TRICARE For Life is a health plan available to TRICARE beneficiaries who have Medicare Part A and B. The beneficiaries can get services from any authorized providers. The beneficiaries have little out-of-pocket expenses, says the TRICARE comptroller. However, they must pay their Medicare part B premiums.
Beneficiaries get care by making appointments with an authorized provider. The beneficiary does not have to file his own claims; the provider files the claims with Medicare. Medicare pays its part of the claims and automatically forwards the file to TRICARE. According to the TRICARE comptroller, beneficiaries do not have to enroll for this health plan, but they must meet the requirements for essential minimum coverage. Eligible persons are uniformed members and their families, National Guard and Reserve and their families, survivors, former spouses and Medal of Honor Recipients.
There is no annual deductible on the TRICARE For Life health plan for services covered by TRICARE. The maximum out-of-pocket fee beneficiaries have to pay varies, according to the TRICARE comptroller. Active duty families have to pay $1,000 per fiscal year and National Guard and Reserve families pay $1,000 per fiscal year. Retired families and all others have to pay $3,000 per fiscal year. TRICARE for life is available worldwide. In areas where Medicare is not available, TRICARE becomes the primary care provider.