Which statement describes TRICARE for Life costs?

Which statement describes TRICARE for Life costs?

• A. Minimal out-of-pocket costs.
• B. Enrollment is required.
• C. It has no out-of-pocket costs.
• D. It requires a separate premium.

Answer: (A)

TRICARE for Life is a Medicare wraparound coverage. Once you have both Medicare Part A and Part B, TRICARE for Life acts as the secondary payer to Medicare and covers most of the costs Medicare doesn’t fully pay. Because there’s no separate TRICARE for Life enrollment and no separate premium for the plan (you still pay the Medicare Part B premium), out-of-pocket costs are typically minimal beyond Medicare cost-sharing. Some services may involve small copayments or coinsurance, but the overall burden to you is kept to a minimum. The other statements don’t fit: you don’t enroll separately for TRICARE for Life, it isn’t true that there are no out-of-pocket costs in all cases, and it doesn’t require a separate TRICARE for Life premium (you’d still pay Medicare Part B).

TRICARE for Life is a Medicare wraparound coverage. Once you have both Medicare Part A and Part B, TRICARE for Life acts as the secondary payer to Medicare and covers most of the costs Medicare doesn’t fully pay. Because there’s no separate TRICARE for Life enrollment and no separate premium for the plan (you still pay the Medicare Part B premium), out-of-pocket costs are typically minimal beyond Medicare cost-sharing. Some services may involve small copayments or coinsurance, but the overall burden to you is kept to a minimum. The other statements don’t fit: you don’t enroll separately for TRICARE for Life, it isn’t true that there are no out-of-pocket costs in all cases, and it doesn’t require a separate TRICARE for Life premium (you’d still pay Medicare Part B).