What if my spouse isn't Medicare-eligible yet?

Each TRICARE beneficiary's coverage is tied to their own age and Medicare status, not the sponsor's.

If you turn 65 first:

• You enroll in Medicare and transition to TFL.
• Your younger spouse stays on TRICARE Prime, Select, or Retired Reserve — whichever they were on before.
• They continue paying any applicable Prime/Select fees.

When your spouse reaches their own Medicare eligibility (age 65, or earlier due to disability/ESRD):

• They enroll in Medicare A and B.
• They transition to their own TFL coverage automatically.

Keep DEERS up to date for both of you, and verify Medicare data in milConnect after each enrollment.