TRICARE for National Guard and Reserve

TRICARE For Life

TRICARE For Life (TFL) is TRICARE’s Medicare-wraparound coverage available to all Medicare/TRICARE beneficiaries, regardless of age, provided they have Medicare Part A and Medicare Part B coverage. TRICARE pays after Medicare for services covered by both TRICARE and Medicare.

TFL is available worldwide. However, because Medicare is not available in most overseas locations, TRICARE is the primary payer and works similar to TRICARE Standard Overseas. Refer to the TRICARE For Life Handbook for details.

For assistance with TFL, call Wisconsin Physicians Service TFL Beneficiary Services at 1-866-773-0404 or visit TRICARE's Web site.

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US Family Health Plan (USFHP) is an additional TRICARE Prime option available to active duty family members through networks of community-based, not-for-profit health care systems in six areas of the United States.

If enrolled in USFHP, your family members will get all their care from USFHP network of hospitals and physicians. Benefits are the same as TRICARE Prime with added enhancements that vary by geographic region. For more information, visit the U.S. Family Health Plan Web site or call 1-800-74-USFHP (1-800-748-7347).

Note: While enrolled in USFHP, your family receives all care through a network of private physicians and hospitals, and cannot use military treatment facilities (MTFs), including MTF pharmacies, except for emergency care when the MTF is the closest emergency facility.

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There are a number of special programs that you and your family members may be eligible for while you are on active duty for more than 30 consecutive days. For example, the Extended Care Health Option (ECHO) provides financial assistance to active duty family members who have a qualifying mental or physical disability. The DoD/National Cancer Institute Cancer Clinical Trials Demonstration Project offers you and your family members access to the latest in cancer preventive care and treatment.

To learn more about these and other programs that may be available to you and your family members while you are on active duty for more than 30 consecutive days, visit the “Overview” section of the TRICARE web site.

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