How Does Medicare  and Tricare Work Together?

If you or your spouse have served in the military and are under the age of 65, you may be eligible for TRICARE, a valuable health insurance program. However, as you approach the age of 65, you become eligible for Medicare and TRICARE for Life, which introduces additional options and considerations. This page provides essential information about how Medicare and TRICARE work together to ensure you receive comprehensive healthcare coverage.

medicare and tricare

Medicare and TRICARE Interaction


  1. TRICARE Eligibility Under 65:

    • If you are under the age of 65 and either you or your spouse are retired from the military, you, along with your family, may be eligible for TRICARE, a government-sponsored healthcare program designed to cater to military personnel and their families.
  2. Transition to Medicare and TRICARE for Life at Age 65:

    • Once you or your spouse reach the age of 65, you become eligible for Medicare. In addition to Medicare, you are also eligible for TRICARE for Life, ensuring continuous healthcare coverage as you age.
  3. Enrollment Requirements for TRICARE for Life:

    • If you receive TRICARE for Life, you must enroll in both Medicare Parts A and B. These are the foundational components of Original Medicare, which provides essential coverage for hospital care (Part A) and medical services (Part B).
  4. Unlocking Additional Benefits with Medicare Advantage:

    • Enrolling in Medicare Parts A and B opens up the opportunity to sign up for a Medicare Advantage plan (Part C). These plans, offered by private insurers, often include extra benefits based on your location. They complement the coverage provided by TRICARE for Life and may cover services that Medicare alone does not.

medicare and tricare

Benefits of Coordinating Medicare and TRICARE


  1. Coordination of Benefits:
    • When you enroll in a Medicare Advantage plan, your TRICARE for Life works in conjunction with your chosen plan. Medicare takes the lead in covering services included in its plan, while TRICARE for Life steps in to cover your Medicare deductible and coinsurance. It also addresses services that TRICARE for Life covers that may not be part of Medicare.

Understanding TRICARE for Life


  1. Federal Health Insurance for Military Personnel and Families:

    • TRICARE is a comprehensive health insurance program provided by the federal government. It caters to active-duty, retired, and military personnel’s families, offering various TRICARE program options to meet diverse healthcare needs.
  2. Supplementing Medicare with TRICARE for Life (TFL):

    • For those eligible for both Medicare and TRICARE, the TRICARE for Life (TFL) program serves as a Medicare wraparound coverage. It ensures that TRICARE beneficiaries receive seamless healthcare coverage by complementing Medicare benefits.

Using TRICARE and Medicare in Tandem

  1. Automatic Coverage with Medicare Parts A and B:

    • TRICARE for Life automatically covers individuals who have enrolled in Medicare Parts A and B, without the need for enrollment fees or paperwork.
  2. Primary Payer: Medicare:

    • In cases where you have additional health insurance, such as Medicare or employer-sponsored coverage, alongside TRICARE, Medicare typically serves as the primary payer. TRICARE follows as the secondary payer for covered services.
  3. Coinsurance and Deductibles:

    • Coinsurance and deductible costs for services covered by both Medicare and TRICARE are coordinated to ensure comprehensive coverage.
  4. Transition to TRICARE for Life at Age 65:

    • Upon turning 65 and becoming eligible for Medicare, retired service members and eligible family members qualify for TRICARE For Life, making them ineligible for other TRICARE plans.

In conclusion, the coordination of Medicare and TRICARE provides comprehensive healthcare coverage for military retirees and their families. Understanding the eligibility criteria, enrollment requirements, and the interplay between these programs ensures that you receive the healthcare benefits you deserve.

“Get Help Enrolling in a Medicare Advantage Plan from a Licensed Sales Agent”

    Get In Touch

    Electronic Scope of Appointment

    Senior Healthcare Advisors offers Medicare Advantage plans, Supplement Insurance plans, and Stand-Alone Prescription Drug plan options.
    Agreeing to this does not affect your current or future Medicare enrollment status, nor will it obligate you to enroll or automatically enroll you in a plan. This scope of appointment is effective as of: and grants permission to discuss the above plan types, You may revoke consent to contact or scope of appointment at any time.

    Terms & Conditions

    You may be contacted by a licensed insurance agent. Providing your number (000.000.0000) and clicking “yes” is your electronic signature authorizing Senior Healthcare Advisors, LLC, and its affiliates, agents, representatives, and service providers (collectively, “Senior Healthcare Advisors”) to send you marketing telephone calls, pre-recorded calls, text messages, and messages at the number and email address you provided using an ATDS or automated systems for the selection or dialing of telephone numbers. Your consent is not required as a condition of purchase. Benefits may vary by carrier and location. Limitations and exclusions may apply. We do not offer every plan available in your area. Currently we represent [6] organizations which offer [81,602] products in your area. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. We are not responsible for the content or accuracy of the information provided by other sources. It is important to note that our marketing materials may not include all the plans available in your area, and any information we provide is limited to the plans we offer in your area. You also confirm that you are the subscriber to, or the customary user of, the telephone number and e-mail address you provided. You may unsubscribe at any time. Senior Healthcare Advisors, LLC, a licensed health insurance agency that sells Medicare products and operates as Senior Healthcare Advisors,LLC owns Senior Healthcare, Advisors, LLC a non-government organization. Please note that Senior Healthcare Advisors is not affiliated with or connected with Medicare or any other government program or agency. Senior Healthcare Advisors, LLC, represents Medicare Advantage [HMO, PPO and PFFS] organizations [and stand-alone PDP prescription drug plans] that have a Medicare contract. Enrollment depends on the plan’s contract renewal. Enrollment can be limited to certain times of the year unless you qualify for a special election or enrollment period or you are in your Medicare Initial Election Period. General Benefits: Not all plans offer all of these benefits; benefits may vary by carrier and location. Limitations and exclusions may apply.

    Skip to content