Humana TRICARE and Medicare

Tricare for Life coverage will be effective when your Medicare is effective. Medicare Part A is free for eligible beneficiaries, but there will be a premium for Medicare Part B. The premium amount varies yearly and may be based on your income.

Humana TRICARE and Medicare are two programs that play crucial roles in providing health coverage to different groups of individuals. Here’s what you need to know:

  1. TRICARE and Medicare Interaction:
    • TRICARE is the health care program for uniformed service members, retirees, and their families. It provides comprehensive coverage for medical services, prescriptions, and more.
    • Medicare, on the other hand, is a federal health insurance program primarily for people aged 65 and older, as well as certain younger individuals with disabilities or specific medical conditions.
  2. Becoming Medicare-Eligible:
    • At Age 65:
      • If you’re age 65 and entitled to Medicare, you are automatically covered by TRICARE For Life (TFL). TFL acts as a wraparound coverage, paying your out-of-pocket costs in Original Medicare for TRICARE-covered services.
      • You are not eligible to enroll in other TRICARE health plans.
    • Under Age 65:
      • If you’re under age 65 and Medicare-eligible, you have options:
        • Enroll in a TRICARE Prime option or use TRICARE For Life.
        • TRICARE-eligible family members under 65 can also enroll in different TRICARE health plans.
        • Request enrollment changes within 90 days of the Medicare-eligible family member’s Medicare effective date.
  3. Medicare Basics:
    • Original Medicare (Parts A and B):
      • Part A: Hospital insurance (financed by payroll deductions during working years).
      • Part B: Medical insurance (primarily covers outpatient services; you pay a premium based on income).
    • Medicare Supplement Insurance (Medigap):
      • Optional coverage that pays out-of-pocket costs in Original Medicare.
    • Medicare Advantage (Part C):
      • Offered by private companies, it provides all Part A and Part B services, often with Part D pharmacy coverage.
    • TRICARE For Life:
      • Coordinates with Medicare, eliminating the need for you to file claims.
  4. Important Considerations:
    • Medicare Part B Requirement:
      • To maintain TRICARE coverage, you must have Medicare Part B, even if you live overseas.
      • Failure to have Part B may result in losing TRICARE coverage.
      • Sign up for Part B during your Medicare Initial Enrollment Period.
    • Veterans and Medicare Advantage Plans:
      • Humana Medicare Advantage (MA) plans complement VA coverage.
      • They offer additional benefits, affordable costs, and options for care closer to home.

Medicare Part B

For 2024, the standard monthly premium for Medicare Part B enrollees will be $174.70, which is an increase of $9.80 from the 2023 premium of $164.901. Additionally, the annual deductible for all Medicare Part B beneficiaries will be $240 in 2024, up from $226 in 20231.

If your income is above a certain threshold, you may be subject to an Income-Related Monthly Adjustment Amount (IRMAA), which is an additional charge on top of the standard monthly premium. The IRMAA affects individuals with an income of more than $103,000, or couples filing jointly with an income above $206,0002. The exact amount of the IRMAA depends on your income level.

Please note that these figures are based on the information available as of now and could be subject to change. It’s always a good idea to check the latest details from the official Medicare website or contact Medicare directly for the most current information.

Understanding the intricacies of TRICARE and Medicare is essential!

TRICARE Fit with Medicare

At age 65, TRICARE health care plans morph into the TRICARE For Life Medicare supplement plan, also known as TFL. For TFL to function, you must have Medicare Parts A and B. Health care providers bill Medicare as the primary payer and TRICARE as the secondary payer.

If you’re entitled to premium-free Medicare Part A, you must also have Medicare Part B to keep TRICARE, regardless of your age or place of residence (exceptions to this rule are discussed in the Delaying Medicare Part B Enrollment section).

Once you have both Medicare Part A and Part B, you automatically receive TRICARE benefts under TRICARE For Life (TFL). TFL is the health plan for TRICARE benefciaries who have Medicare Part A and Part B. Medicare Part C (Medicare Advantage plans) and Part D (prescription drug coverage) aren’t required for you to have TFL coverage.

Regardless of your age or the age of your spouse, you will not lose TRICARE medical coverage if you do not signup for Medicare. Simply enroll in Medicare and TRICARE For Life. Your window to apply starts three months before the month you turn 65. It lasts seven months.

But don’t wait. Two or three months before your birthday, visit Medicare.gov and enroll. Early enrollment ensures you receive your Medicare card in the mail. Your TFL coverage begins the first day you have both Medicare Parts A and B; there is no separate enrollment paperwork for TRICARE For Life.

Medicare Part A has no premium. Part B has a monthly premium based on your income level. The Part B premium is per person, per month. Medicare uses the last reported tax filing, two years ago, from the IRS to determine your income level. Search “Part B Cost” at Medicare.gov to find your current cost.

If you travel overseas, your TFL converts to TRICARE Select Overseas. You’ll be covered at TRICARE Select rates. You will pay for services overseas out of your own pocket and be reimbursed by TRICARE after you file a claim.

Understanding all the nuances of health care can be tricky. MOAA has subject-matter experts on hand to assist Premium and Life Members. Call  (800) 234-6622 or email msc@moaa.org and we can properly direct you to assistance.


References:

  1. https://www.moaa.org/content/publications-and-media/news-articles/2020-news-articles/you-ask,-moaa-answers-tricare-at-65-and-over/
  2. https://www.tricare.mil/-/media/Files/TRICARE/Publications/BrochuresFlyers/TRICARE_Medicare_Turning_Age_65_Brochure_Feb2023_022123_FINAL_508.pdf