Turning 65? You Have a Decision to Make
We're here to help you navigate health care after age 65.
As a member of the US Family Health Plan about to turn 65, there are some important things you need to know about your health coverage.
We are here to help you navigate them.
Frequently Asked Questions
Explore important information and common questions regarding those who are turning 65 and have military health plans.
It depends on when you enrolled in the US Family Health Plan.
Non-Grandfathered Status
If you enrolled in the US Family Health Plan at Martin's Point ON OR AFTER October 1, 2012: You will be disenrolled from the US Family Health Plan. Your disenrollment will be effective on the last day of the month prior to the month you turn 65. TRICARE For Life (TFL) will be your TRICARE® option. You must enroll in Medicare Part B to maintain your TRICARE eligibility. To be covered by TFL, you must enroll in Medicare Part A and Part B (Original Medicare).
Grandfathered Status
If you enrolled in the US Family Health Plan at Martin's Point BEFORE October 1, 2012: You have the option of staying enrolled with the US Family Health Plan or disenrolling and using TRICARE For Life (TFL).
If you are unsure whether you are grandfathered or non-grandfathered, please contact your local Health Benefits Specialist from the list below.
If you are continuing your membership with the US Family Health Plan, you are not required to enroll in Medicare Part B.
However, we strongly recommend you consider enrolling in Medicare Part B as soon as you are eligible for the following reasons:
- Delay in accessing Medicare Part B and TRICARE benefits: If you ever do disenroll from the US Family Health Plan, you will not be able to access other TRICARE benefits until you are enrolled in Medicare Part B. You will only be able to enroll in Medicare Part B during the General Enrollment Period (January through March each year), with coverage starting on July 1 of the year you sign up. You could be left without medical insurance coverage for an extended period of time should you decide to disenroll from the US Family Health Plan at a later date.
- Penalty in Medicare Part B premiums: If you wait to enroll until after you’re first eligible, your Medicare Part B premium will increase by 10% for each 12-month period that you were originally eligible to enroll.
- Limited coverage for long-term care facilities: Long- term-care facility residents are not eligible for the US Family Health Plan in most cases. Without Medicare Part B, your coverage will be limited to Medicare Part A and you will be responsible for the costs of medical services provided by physicians, labs, etc.
Explore Our US Family Health Plan
Coverage is included for:
- Doctors visits, hospital care, and specialty care
- Preventative services, including annual physicals and annual eye exams
- Comprehensive prescription drug coverage
- Emergency and urgent care available anywhere in the world
- Wide network of local, civilian health care providers
- A 24-hour health coach that can answer questions and provide guidance on any health issue you are concerned about
- Patient advocates who will make sure you are getting the best care possible during hospital stays
- Additional help and guidance for those with chronic conditions, such as diabetes and asthma
You will have access to extra benefits including:
- Discounts on eyewear, hearing aids, fitness memberships, and complementary alternative medicine
- Excellent customer service from our Maine-based member services team
Plan Comparison: US Family Health Plan & TRICARE® for Life (TFL)
Have questions? Contact your local benefits specialist.
If you have questions about the US Family Health Plan, or are looking to enroll for the first time, you can connect with a local benefits specialist to reap the full benefits a partnership with Martin's Point.
