Educational estimate only. Real costs depend on your final SSA determination, your plan, and how often you use care. TFL has no enrollment fee. Figures use CMS 2026 Part B and IRMAA brackets.
Your inputs
Estimated annual cost — Original Medicare + TFL
$2,435/yr
$203/mo Part B portion
- Part B premium (annual)
- $2,435
- Estimated drug cost
- $0
- TFL cost-share (usage)
- $0
Estimated annual cost — with Part B reduction + extras
$2,435/yr
$203/mo Part B portion
- Part B premium (net of giveback)
- $2,435
- Estimated drug cost
- $0
- TFL cost-share (usage)
- $0
- Less: dental/vision/hearing value
- – $0
Assumptions used
- Standard Part B premium and IRMAA brackets from CMS for 2026.
- TRICARE For Life has no enrollment fee or separate premium.
- TFL cost-share estimate is illustrative — most TFL beneficiaries pay $0 at Medicare-participating providers.
- Drug, dental, vision, and hearing values are your own estimates.