10/16/2026
What you need to know as you approach 65
• Timing matters. Your Medicare enrollment window runs from 3 months before to 3 months after the month you turn 65. Missing it can mean a lifelong penalty on your Part B premium. If you have missed yours, ask Social Security about a Special or General Enrollment Period.
• VA is its own system. There is no enrollment fee for all 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 the other.
Not yet enrolled in VA Healthcare?
Apply with VA Form 10-10EZ using one of these methods.
Online: http://www.va.gov/health-care/apply-for-health-care-form-10-10ez/introd
By phone: 877-222-VETS (877-222-8387), Monday through Friday, 8:00 a.m. to 8:00 p.m. ET.
By mail or in person
Download VA Form 10-10EZ, sign it, and mail it to:
Health Eligibility Center
PO Box 5207
Janesville, WI 53547-5207
Or bring the completed form to your nearest VA facility.
