How Much is TRICARE for Life for Retired Military?
As a retired military member, you’ve earned the right to quality healthcare through the Department of Defense’s (DoD) TRICARE program. TRICARE for Life (TFL) is a premium-based health insurance program designed specifically for retired military personnel and their families. But how much does TRICARE for Life cost, and what are the benefits you can expect?
Cost of TRICARE for Life
The cost of TRICARE for Life varies depending on your age, marital status, and the number of dependents enrolled in the program. Here’s a breakdown of the costs:
- Retirees under age 65: $309.40 per year (individual) or $623.40 per year (family)
- Retirees 65 and older: $444.40 per year (individual) or $888.40 per year (family)
- Surviving spouses: $276.40 per year (individual) or $552.40 per year (family)
- Dependents (under age 21 or full-time student under age 23): $276.40 per year (individual) or $552.40 per year (family)
Benefits of TRICARE for Life
TRICARE for Life provides comprehensive health insurance coverage for retired military personnel and their families. Here are some of the key benefits:
- No deductibles or copays: TFL has no deductibles or copays for covered services, making it an attractive option for retirees who want to minimize out-of-pocket expenses.
- Worldwide coverage: TFL provides coverage for medical services received anywhere in the world, including the United States, Europe, Asia, and other regions.
- No network restrictions: TFL has no network restrictions, allowing you to see any doctor or hospital you choose.
- Prescription drug coverage: TFL covers prescription drugs, including brand-name and generic medications, with a $3 copay for each prescription.
- Dental and vision coverage: TFL offers limited dental and vision coverage, including routine cleanings, fillings, and eye exams.
Eligibility for TRICARE for Life
To be eligible for TRICARE for Life, you must meet the following requirements:
- Retired military personnel: You must have at least 20 years of active duty service or be retired due to a disability.
- Surviving spouses: You must be the surviving spouse of a retired or deceased military member.
- Dependents: You must be the dependent child or full-time student of a retired or deceased military member.
How to Enroll in TRICARE for Life
To enroll in TRICARE for Life, follow these steps:
- Check your eligibility: Verify your eligibility for TRICARE for Life by contacting the TRICARE Service Center or checking the TRICARE website.
- Enroll online: Enroll in TRICARE for Life online through the TRICARE website or by contacting the TRICARE Service Center.
- Provide required documents: Provide required documents, including proof of identity, age, and military service.
- Pay your premium: Pay your annual premium by credit card or electronic funds transfer (EFT).
Conclusion
TRICARE for Life is a valuable health insurance program for retired military personnel and their families. With no deductibles or copays, worldwide coverage, and no network restrictions, TFL provides comprehensive healthcare coverage at an affordable cost. By understanding the costs and benefits of TRICARE for Life, you can make informed decisions about your healthcare and ensure you receive the best possible care.
Table: TRICARE for Life Costs
| Category | Individual Annual Premium | Family Annual Premium |
|---|---|---|
| Retirees under age 65 | $309.40 | $623.40 |
| Retirees 65 and older | $444.40 | $888.40 |
| Surviving spouses | $276.40 | $552.40 |
| Dependents (under age 21 or full-time student under age 23) | $276.40 | $552.40 |
Additional Resources
- TRICARE Service Center: www.tricare.mil
- TRICARE for Life website: www.tricare4u2.com
- Department of Veterans Affairs: www.va.gov
