If you have TRICARE For Life (TFL), enrolling in a Medicare Advantage plan can affect how your benefits work. TFL is designed to work with Original Medicare (Part A and Part B) as secondary coverage (much like a supplement/Medigap plan). When you choose a Medicare Advantage plan, that plan replaces Original Medicare for your healthcare services, which may change provider access, referrals, and out-of-pocket costs. It can also reduce the flexibility TFL normally provides. There can be instances where it makes sense, so it’s important to fully understand how the two plans work together before enrolling.