TRICARE For Life is Medicare-wraparound coverage for TRICARE-eligible beneficiaries who have Medicare Part A and B. 

  • Enrollment not required
  • Available worldwide:
    • TRICARE pays after Medicare in the U.S. and U.S. Territories
    • TRICARE is the first payer in all other overseas areas

Who Can Participate?

TRICARE-eligible beneficiaries who have both Medicare Part A and B can use TRICARE For Life.

Not sure if you're eligible? Check out the Eligibilty Page for details.

How it Works

You may visit any ized provider. >>Find a Doctor

  • Your provider files your claims with Medicare. 
  • Medicare pays its portion and sends the claim to the TRICARE For Life claims processor. >>View what Medicare pays
  • TRICARE For Life then pays the provider directly for TRICARE-covered services. 
  • You won't receive a TRICARE wallet card, all you need is your Medicare card and zxyyjy.comitary ID as proof of coverage.

You can get care at zxyyjy.comitary hospitals and clinics, but only if space is available. >>Find a zxyyjy.comitary Hospital or Clinic

What You Pay

You don't pay any enrollment fees, but you must pay Medicare Part B monthly premiums. Your Part B premium is based on your income.

For more information about Part B premiums:

  • Visit the Medicare website 
  • Call Social Security at 1-800-772-1213 (TTY: 1-800-325-0778)

If you're looking for what Medicare pays for services covered by Medicare and TRICARE, check out the TRICARE For Life Cost MatrixYou'll pay nothing out of pocket for services covered by both Medicare and TRICARE. >>View TRICARE For Life Costs





Covered by TRICARE and Medicare

Medicare-ized amount

Remaining amount


Covered by Medicare only

Medicare-ized amount


Medicare deductible and cost-shareA percentage of the total cost of a covered health care service that you pay.

Covered by TRICARE only


TRICARE-allowable amount

TRICARE deductible and cost-share

Not covered by TRICARE or Medicare



Billed charges (which may exceed the Medicare or TRICARE-allowable amount)

TRICARE For Life Contractors

The TRICARE For Life contractors assist with claims and provide customer service to all beneficiaries using TRICARE For Life.

  • In the U.S. and U.S. Territories: Wisconsin Physicians Service (WPS)
  • All other overseas areas: International SOS

Is TRICARE For Life Right for You?

TRICARE For Life is the plan for you if:

  • You're eligible for TRICARE
  • You have both Medicare Part A and B

Coverage is available worldwide and you can see any provider you want. However, you'll pay more if you get care from Veteran's Administration providers or providers who opt-out of Medicare, because they're not allowed to bill Medicare. 

When retired service members and their fazxyyjy.comies become eligible for TRICARE For Life, typically at 65, they are no longer able to enroll in TRICARE Prime.

>>Learn More about TRICARE and Medicare Eligibility Requirements

Can I suspend my FEHB coverage to use TRICARE For Life?

Yes. Call the Office of Personnel Management’s Retirement Information line at 1-888-767-6738 to get a suspension form.

Last Updated 6/5/2018