<h2>TRICARE FOR LIFE</h2> <p>{color=#f79646:Download the&nbsp;<a href="https://www.tricare-overseas.com/beneficiaries/tco-media/documents/TOP-2021-Beneficiary-Enrollment-Welcome-Letter" target="_blank">TOP Enrollment Welcome Letter</a>, which includes TRICARE Health Plan-specific information about how to obtain local medical care, Other Health Insurance (OHI), referrals and authorizations, enrollment fees (if applicable), and more.}</p> <p>TRICARE For Life (TFL) is Medicare wraparound coverage available worldwide to TRICARE beneficiaries who have Medicare Part A and Part B, regardless of age or place of residence.</p> <h4>Who Qualifies for TRICARE For Life?</h4> <p>If the sponsor is retired and you are entitled to premium-free Medicare Part A on your record or your spouse’s record, you must have Medicare Part B to remain TRICARE-eligible.</p> <p>This rule applies to all TRICARE beneficiaries even though Medicare generally does not cover health care obtained outside the United States and U.S. territories (American Samoa, Guam, the Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands).</p> <p>{fontweight=500:Note:}<em>&nbsp;Medicare may pay for services you receive aboard a ship in the territorial waters adjoining the land areas of the United States and U.S. territories. In these locations, TFL works exactly as it does in the United States.</em></p> <h4>How Does TRICARE For Life Work Overseas?</h4> <p>Medicare provides coverage in the U.S. and U.S. Territories. Medicare doesn't provide coverage in any other overseas locations.</p> <p>When using TRICARE For Life in all other overseas locations, whether you live overseas or are traveling overseas, TRICARE is the primary payer and you're responsible for paying TRICARE's annual deductible and cost shares. For more information, visit <a href="https://tricare.mil/costs" target="_blank">tricare.mil/costs</a>.&nbsp;</p> <p>If you live overseas, you must have Medicare Part B to remain eligible for TRICARE even though Medicare does not provide coverage overseas.</p> <p>With TRICARE For Life, you manage your own health care and may generally seek care from any&nbsp;<a href="https://tricare-overseas.com/beneficiaries/resources/provider-search" target="_blank">overseas civilian provider</a>&nbsp;without a referral. However, certain services, including nonemergency inpatient admissions for substance use disorders and mental health care, require prior authorization.&nbsp;<a href="https://tricare-overseas.com/beneficiaries/enrollment-and-eligibility/referrals-and-authorizations" target="_blank">Click here</a>&nbsp;for more information.</p> <p>You are responsible for paying an annual deductible and copayments each calendar year. You should expect to pay up front for care and submit a claim to the TOP Claims processor for reimbursement.</p> <p>{fontweight=500:Note:}&nbsp;Outside the U.S. and U.S. territories, nonparticipating non-network providers can charge any amount for care. You’re responsible for paying any amount that is above the TRICARE-allowable charge in addition to your deductible and cost-shares.</p> <h4>What Do You Have to Pay For TRICARE For Life?</h4> <p>With TRICARE For Life, you may seek care from any TRICARE-authorized provider in the United States and U.S. territories, though your provider’s Medicare status will affect your out-of-pocket costs. Overseas, you may seek care from any Purchased Care Sector Provider unless local restrictions apply&nbsp;<em>(such as in the Philippines)</em>. You may need prior authorization for certain services.&nbsp;{contentlink=/beneficiaries/enrollment-and-eligibility/referrals-and-authorizations:Click here}&nbsp;or&nbsp;contact your&nbsp;{contentlink=/contact-us:TOP Regional Call Center}&nbsp;for more information.</p> <h4>How Do You Enroll?</h4> <p>There is no enrollment form and no annual fee for TFL. You are automatically covered if you are entitled to Medicare Part A, have Medicare Part B, and your contact information is up to date in DEERS.</p> <ul> <li>Medicare is your primary payer and TRICARE is the last payer—minimizing your out-of-pocket expenses when you use TFL in the United States or U.S. territories.</li> <li>Outside the United States and U.S. territories and for TRICARE-covered services not covered by Medicare, TRICARE becomes the primary payer and the TRICARE deductible, cost-shares, and prior authorization rules apply.</li> </ul> <h4>TRICARE For Life Handbook</h4> <p>The <a href="https://www.tricare.mil/Publications/Handbooks/tricare_for_life" target="_blank">TRICARE For Life Handbook</a> provides an overview of the TFL program—Medicare-wraparound coverage for beneficiaries who are eligible for both TRICARE and Medicare. The handbook describes how TFL works, getting care, TFL coverage, pharmacy coverage, dental coverage, claims and keeping DEERS information up to date during life changes. Contact information is also included.</p> <p>For more information about TRICARE For Life, visit <a href="https://tricare.mil/Plans/HealthPlans/TFL" target="_blank">https://tricare.mil/Plans/HealthPlans/TFL</a>.&nbsp;</p>