10/28/2026
Are you a veteran approaching 65…? VA Healthcare, Medicare and TRICARE For Live (TFL) can work together. The right mix depends on your individual needs.
What you need to know:
• Timing matters.
• VA is its own system. There is no enrollment fee for veterans and no bill to Medicare or TFL for care you receive at VA.
• TFL fills the gaps. Once active, TRICARE For Life covers deductibles, copays and extras that Medicare alone does not, such as routine eye exams.
• Access can change over time. Your VA priority, local wait times and health needs may shift. Medicare keeps that door open.
• VA and TFL work together. Enrolling in one does not cancel out the other.
Not enrolled in VA Healthcare yet?
• Apply with VA Form 10-10EZ, using one of these methods:
o Online at http://www.va.gov/health-care/apply-for-health-care-form-10-10ez/introd
o By phone, dialing 877-222-VETS (8387)
o By mail or in person (Bring the completed form to your nearest VA facility)
ď‚§ If mailing, mail to:
• Health Eligibility Center
P.O. Box 5207
Janesville, WI 53547-5207
If you still have questions, an accredited Veterans Service Organization (VSO) representative, attorney or claims agent can help you navigate VA, Medicare and TFL together, at no cost.
Find one at va.gov/get-help-from-accredited-representative.
This is general information. Eligibility, costs and deadlines depend on your individual circumstances.