Using TRICARE For Life with Other Health Insurance
If you have other health insurance, such as a Medicare supplement or an employer-sponsored health plan, you may use TRICARE For Life (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 other health insurances pay. After Medicare processes the claim it automatically forwards it to your other health insurance. Once your other health insurance processes the claim, you must file a paper claim with the TFL contractor. The contractor will process the claim and pay TRICARE's portion of the claim directly to you.
You must submit your paper claims to the TFL contractor along with a copy of your provider's itemized bill, the Medicare Summary Notice, and explanation of benefits from all other health insurances. You must file TFL claims within one year from the date of care.