How Does Medicare and Tricare Work Together?

If you or your spouse are retired from the military and under 65, you and your family are eligible for TRICARE. Once you or your spouse reaches the age of 65, you are eligible for Medicare and Tricare for Life.

If you receive TRICARE for Life, you must also enroll in Medicare Parts A and B. Once you are enrolled in Medicare Parts A and B, you are eligible to enroll in a Medicare Advantage plan to receive all the additional benefits that are available to you based on where you live. that TRICARE for Life covers that Medicare does not cover.

How Does This Help Me?

When you enroll in a Medicare Advantage plan, your TRICARE for Life will coordinate benefits with your plan. Medicare will pay first for Medicare-covered services and TRICARE for Life will pay your Medicare deductible and coinsurance amounts as well as any service that TRICARE for Life covers that Medicare does not cover.

What is TRICARE For Life?

The federal government offers TRICARE, a health insurance program, to active-duty, retired, and military personnel’s families. There are numerous TRICARE program available. Medicare is supplemented with the TRICARE for Life (TFL) program, which is a Medicare wraparound coverage for TRICARE Beneficiaries.

How To Use TRICARE and Medicare Together?

As mentioned above, TRICARE For Life will automatically cover you if you have Medicare Parts A and B. For TRICARE For Life, there are no enrollment fees or paperwork requirements.

Your primary payer is Medicare.
If you have additional health care insurance, such as Medicare or employer-sponsored insurance, in addition to TRICARE, TRICARE will pay last or second to last to Medicare. The term “other health insurance” does not apply to TRICARE pharmacy program.
The coinsurance and deductible for services covered by both Medicare and TRICARE covered services.
When retired service members or eligible family members turn 65 and qualify for Medicare, they are then qualified for TRICARE For Life and are no longer allowed to sign up for other TRICARE plans.

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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.

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Your information will be provided to a licensed insurance agent for future contact. 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 and its affiliates, agents, representatives, and service providers (collectively, “Senior Healthcare Advisors”) to send you marketing telephone calls, pre-recorded calls, text messages, and emails at the number and email address you provided using an ATDS or automated system for the selection or dialing of telephone numbers. Your consent is not required as a condition of purchase. Not all plans offer all these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply. Currently, we represent(6) organizations that offer (81,602) products across [3,081] counties. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP)to get information on all of your options. 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, 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. Enrollment in a plan may 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.
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