Army National Guard: Retired

Benefit Fact Sheet


TRICARE for Life (TFL) is TRICARE's Medicare-wraparound coverage available worldwide to TRICARE beneficiaries who are also entitled to Medicare. Essentially, TFL acts as a supplement to Medicare Part A and B, there are no special enrollment procedures or TRICARE premium payments. Medicare Part B information.

DFAS will provide IRS Form 1095-C to all U.S. military members, and IRS Form 1095-B to all Retirees, Annuitants, former Spouses and all other individuals having TRICARE coverage during all or any portion of tax year 2020. An IRS Form 1095 documents you (and your Family members, if applicable) have the minimum essential coverage. These forms will document the information that DFAS will provide to the IRS on yourself and your authorized Family members. According to the IRS, these forms are not required to prepare or file income tax returns but will be available via myPay no later than 31 January 2021.


Retired National Guard Soldiers who have Medicare Part A and B and in receipt of retired pay are eligible for TFL, as are their dependent Family Members, apache helicopter with stars shining overhead Surviving Spouses and certain former Spouses who  have Medicare Part A & B. "Gray-area" retirees are not eligible for TFL, but may be eligible for TRICARE Retired Reserve.

Dependent parents and parents-in-law are not eligible for TRICARE for Life. When TRICARE beneficiaries become entitled to Medicare Part A and B (1) on the basis of age (65), (2) disability, or (3) end-stage renal disease, they are eligible for TRICARE for Life (TFL). Note: In order to be covered under TFL, beneficiaries must be enrolled in Medicare Part B and have a current military ID card.

Beneficiaries entitled to Medicare Part A who decline Medicare Part B coverage will lose TRICARE eligibility.

The key to TRICARE eligibility depends on enrollment in the Defense Enrollment Eligibility Reporting System (DEERS), which will indicate the dates of eligibility. All uniformed services sponsors (active, reserve or retired) should ensure that their family status (marriage, death, divorce, new Child, etc.) and residential address are current in DEERS at all times.

TRICARE Benefits change frequently so be sure to reference the TRICARE site at

Benefit Highlights

How TFL Works with Medicare and Other Health Insurance (OHI):

Beneficiaries with OHI, such as a Medicare supplement or an employer-sponsored health plan, may use TFL as long as you're eligible for Medicare Part A and have Medicare Part B coverage. By law, TRICARE pays claims only after all OHIs have paid. Typically, after Medicare processes a claim-either approving or denying it-the claim is automatically forwarded to the beneficiary's OHI, (unless your OHI is an employer based plan with fewer than 20 employees, in which case Medicare pays first, the employer plan second, and TFL last). Once the OHI processes the claim, the beneficiary needs to file a paper claim with TRICARE for any out-of-pocket expenses. TRICARE may reimburse the beneficiary if the services provided are covered by TRICARE. Exact copayments for inpatient and outpatient services can be found on TRICARE's cost matrix .

NOTE: Retirees eligible for TFL will face higher outpatient costs at VA hospitals and clinics for non-service-connected care as Medicare will not pay for services at VA facilities.

TRICARE for Life Out-of-Pocket Costs

Type of Service

Medicare Pays


You Pay

Covered by TRICARE and Medicare

Medicare-authorized amount

Remaining amount


Covered by Medicare only

Medicare-authorized amount


Medicare deductible and cost-share

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)

Additional Information

For more information, please visit the TRICARE for Life webpage maintained by the TRICARE Management Activity:

TRICARE DEERS Information:

TRICARE for Life Handbook:

Medicare Part B information:

Document Review Date: 20 January 2021