Will TRICARE pay my Medicare deductible?

Yes, in most situations. That's the whole point of TFL being a wraparound.

Here's how it works for a typical doctor visit:

1. You see a Medicare-participating provider.
2. Medicare pays 80% of the approved amount after your annual Part B deductible is met.
3. The claim crosses over electronically to WPS (the TFL contractor).
4. TFL pays the Part B deductible (if not yet met) and the 20% coinsurance.
5. You owe $0.

Same idea for inpatient hospital care under Part A — TFL covers the deductible and coinsurance.

The exceptions:

• Services Medicare covers but TRICARE doesn't (rare). Medicare pays its portion; you owe the rest.
• Services TRICARE covers but Medicare doesn't (e.g., overseas care). TFL pays first.
• Out-of-pocket caps don't apply — Original Medicare has no MOOP, but with TFL acting as your secondary, you typically don't need one.