TRICARE For Life Provider Phone Number: Contact and Hours
The TRICARE For Life provider phone number is 1-866-773-0404. This line connects you to Wisconsin Physicians Service (WPS), the TFL claims contractor. Customer service is available Monday through Friday, 5 a.m. to 10 p.m. Central Time. The TDD line for hearing-impaired callers is 1-866-773-0405. For overseas TFL assistance, contact International SOS through the TRICARE Overseas Program.
Quick Facts
| Item | Details |
|---|---|
| Primary TFL Contact | Wisconsin Physicians Service (WPS) |
| Toll-Free Phone | 1-866-773-0404 |
| TDD (Hearing Impaired) | 1-866-773-0405 |
| Customer Service Hours | Mon–Fri, 5 a.m.–10 p.m. CT |
| EDI Help Desk | 1-800-782-2680 |
| Overseas Contractor | International SOS |
| Pharmacy Contact | Express Scripts, 1-877-363-1303 |
| Claims Address | WPS/TRICARE For Life, P.O. Box 7890, Madison, WI 53707-7890 |
| Official Agency | Defense Health Agency (DHA) |
| Updated For | 2026 |
What Is TRICARE For Life?
TRICARE For Life (TFL) is Medicare-wraparound coverage for uniformed services retirees and their family members who have Medicare Part A and Medicare Part B. TFL acts as a secondary payer to Medicare. Medicare pays first on your claims, and TFL pays the remaining covered costs, often leaving you with no out-of-pocket expenses for Medicare-covered services. This benefit matters because it eliminates most copayments and deductibles that Medicare alone would leave behind.
TFL is not a standalone health plan. You cannot enroll in TFL without Medicare. The coverage is automatic once you have both Medicare Part A and Part B and show as TRICARE-eligible in the Defense Enrollment Eligibility Reporting System (DEERS). There are no TFL enrollment fees. However, you must continue paying your Medicare Part B premium to maintain eligibility.
Who Qualifies for TRICARE For Life
TFL eligibility follows Medicare eligibility, not age alone. You may qualify if you are:
A uniformed services retiree with Medicare Part A and Part B
A family member of a retiree who is TRICARE-eligible and has Medicare Part A and Part B
A surviving spouse or dependent who is TRICARE-eligible and Medicare-eligible
A beneficiary under age 65 who qualifies for Medicare due to disability or End-Stage Renal Disease (ESRD)
TFL is available regardless of age or where you live. Even if you live overseas where Medicare does not provide coverage, you must still have Medicare Part B to remain eligible for TRICARE. If you are approaching age 65, DEERS notifies you approximately 90 days before you must enroll in Medicare Part B to transition to TFL.
Why TRICARE For Life Matters
Without TFL, Medicare beneficiaries face 20 percent coinsurance on most Medicare-covered services, with no annual out-of-pocket maximum under Original Medicare. TFL covers that remaining 20 percent and also covers services that Medicare does not cover but TRICARE does, such as certain prescription drugs and overseas care. For military retirees and their families, TFL preserves the health care benefit they earned through military service.
TRICARE For Life Provider Phone Numbers and Hours
The primary TRICARE For Life provider phone number is 1-866-773-0404. This number connects you to WPS, the TFL claims processor and customer service contractor. Use this number for claims questions, eligibility verification, benefit explanations, and general TFL inquiries. The WPS customer service line operates Monday through Friday, 5 a.m. to 10 p.m. Central Time.
Veterans May Qualify for Extra Benefits
Check available financial assistance, healthcare programs and other opportunities that may apply to you.
Check EligibilityFor hearing-impaired beneficiaries, the TDD line is 1-866-773-0405. This number provides text telephone access to the same customer service representatives.
WPS Electronic Data Interchange (EDI) Help Desk
Providers and billing offices that submit electronic claims to TFL use a separate EDI help desk. The WPS Government Services EDI help desk for TRICARE For Life is 1-800-782-2680. Hours are Monday through Friday, 7:55 a.m. to 4:30 p.m. Central Time. This line handles technical issues with electronic claims submission, EDI enrollment, and missing electronic files.
TRICARE For Life Provider Portal
Providers can manage claims and inquiries through the secure TRICARE4u.com provider portal. The portal allows electronic claims filing, claim status checks, eligibility verification, and secure messaging. Providers can also submit appeals through the portal. The portal is available 24 hours a day, 7 days a week.
Comparison of TFL Contact Numbers
| Contact Type | Phone Number | Hours | Best For |
|---|---|---|---|
| Beneficiary Customer Service | 1-866-773-0404 | Mon–Fri, 5 a.m.–10 p.m. CT | Claims, eligibility, benefits |
| TDD (Hearing Impaired) | 1-866-773-0405 | Same as above | Text telephone access |
| EDI Help Desk (Providers) | 1-800-782-2680 | Mon–Fri, 7:55 a.m.–4:30 p.m. CT | Electronic claims issues |
| Overseas TFL (International SOS) | Country-specific numbers | 24/7 | Overseas claims and care |
| TRICARE Pharmacy | 1-877-363-1303 | 24/7 | Prescriptions and home delivery |
TRICARE For Life Overseas Contact Information
If you live overseas or are traveling outside the United States and U.S. territories, TRICARE For Life works differently. Medicare does not provide coverage overseas. In these locations, TRICARE is the primary payer and you are responsible for TRICARE’s annual deductible and cost-shares. You must still have Medicare Part B to remain eligible for TFL even though Medicare does not cover you overseas.
International SOS is the TRICARE overseas contractor and handles TFL claims, provider referrals, authorizations, and customer service for beneficiaries outside the U.S. and U.S. territories. Contact information varies by country. You can find country-specific toll-free numbers and contact details at tricare-overseas.com/contact-us.
For overseas claims, file them where you received care. Do not send overseas claims to the WPS Madison, Wisconsin address. Contact International SOS or the TRICARE Area Office for your region.
TRICARE Area Offices
| Region | Contact |
|---|---|
| Eurasia-Africa | +44-20-8762-8384 |
| Pacific | 877-678-1207 |
| Latin America and Canada | Contact International SOS |
TRICARE For Life Claims Addresses and Mailing Information
All TRICARE For Life claims for care received in the United States and U.S. territories go to WPS in Madison, Wisconsin. The correct address depends on the type of correspondence.
Claims Submission
Send all TFL claims to:
WPS/TRICARE For Life
P.O. Box 7890
Madison, WI 53707-7890
Fax for claims: 608-301-2114
Written Correspondence
Send all written items, including appeals, to:
WPS/TRICARE For Life
P.O. Box 7889
Madison, WI 53707-7890
Fax: 608-301-2114
Appeals
Appeals go to a separate address:
WPS TRICARE For Life
ATTN: APPEALS
P.O. Box 7490
Madison, WI 53707-7490
You may also submit appeals through the secure provider portal at TRICARE4u.com.
Program Integrity
Fraud and abuse reports go to:
WPS/TRICARE Program Integrity
P.O. Box 7516
Madison, WI 53707
TRICARE Pharmacy Contact for TFL Beneficiaries
TRICARE For Life beneficiaries use the same TRICARE Pharmacy Program as other TRICARE beneficiaries. Express Scripts administers the pharmacy benefit for beneficiaries in the U.S. and U.S. territories. The pharmacy phone number is 1-877-363-1303. The TDD/TTY line is 1-877-540-6261. For specialty medications through Accredo, call 1-877-882-3324.
Express Scripts can help with:
General pharmacy information and drug coverage questions
TRICARE Pharmacy Home Delivery enrollment and management
Retail network pharmacy locations
Specialty drug availability and coverage
Prior authorization and coverage limitations
Pharmacy claims for non-network pharmacies
If you live overseas, contact International SOS for pharmacy questions instead of Express Scripts.
TRICARE East and West Regional Contractor Contacts
TRICARE For Life beneficiaries do not enroll in TRICARE Prime or Select. TFL is a separate program for Medicare-eligible beneficiaries. However, if you have family members under age 65 who remain in TRICARE Prime or Select, they use the regional contractors.
As of January 1, 2025, the TRICARE regions and contractors are:
| Region | Contractor | Phone |
|---|---|---|
| East | Humana Military | 1-800-444-5445 |
| West | TriWest Healthcare Alliance | 1-888-TRIWEST (1-888-874-9378) |
These numbers are not for TFL claims. TFL beneficiaries should call WPS at 1-866-773-0404 for TFL-specific questions. If a TFL beneficiary has a family member covered under TRICARE Prime or Select, that family member uses the regional contractor number.
What the TRICARE For Life Provider Phone Number Can Help With
When you call WPS at 1-866-773-0404, you can get help with:
Claims status — Whether your claim was received, processed, or denied
Explanation of Benefits (EOB) — Understanding your EOB and payment amounts
Eligibility questions — Confirming your TFL coverage and Medicare status
Benefit coverage — Whether a specific service is covered by TFL
Provider questions — Finding a TRICARE-authorized provider
Appeals — How to file an appeal for a denied claim
Address changes — Updating your mailing address
Other health insurance — Reporting other coverage that may affect TFL payment
Claims filing — How to file a claim for care you paid for out of pocket
What the TFL Phone Number Cannot Help With
The WPS TFL line does not handle:
Medicare enrollment — Contact Social Security at 1-800-772-1213 or Medicare at 1-800-MEDICARE
DEERS updates — Contact your local ID card office or use milConnect
TRICARE Prime or Select enrollment — Contact your regional contractor
VA disability claims — Contact the VA at 1-800-827-1000
Dental coverage — Contact the TRICARE Dental Program contractor
Common Mistakes with TRICARE For Life Contact
Calling the Wrong Number
The most frequent mistake is calling the TRICARE East or West regional contractor for TFL issues. Humana Military and TriWest do not handle TFL claims. TFL is administered separately by WPS. Always call 1-866-773-0404 for TFL questions.
Not Having Medicare Information Ready
Before calling WPS, have your Medicare card, TRICARE eligibility information, and the claim or Explanation of Benefits you are asking about. Without this information, the representative cannot look up your account efficiently.
Assuming Medicare Covers Overseas Care
Medicare does not cover care received outside the United States and U.S. territories. If you live or travel overseas, TRICARE is your primary payer. Do not file overseas claims with Medicare or with WPS. Contact International SOS.
Forgetting to Report Other Health Insurance
If you have employer-sponsored health insurance in addition to Medicare and TRICARE, you must report it. Other health insurance can change the order of payment and affect your out-of-pocket costs. Call WPS to report other coverage.
Not Updating DEERS
TFL eligibility depends on your DEERS record showing you as TRICARE-eligible. If you move, change your name, or experience a qualifying life event, update DEERS. Contact your local ID card office or use milConnect at milconnect.dmdc.osd.mil.
TRICARE For Life Claims Process
How TFL Claims Work
When you receive care from a Medicare-participating provider, the provider files the claim with Medicare first. Medicare processes the claim and sends it to WPS for TFL consideration. WPS pays the remaining covered costs according to TRICARE rules. You may receive an Explanation of Benefits from both Medicare and WPS.
If you see a provider who does not participate in Medicare, you may need to file the claim yourself. In these cases, Medicare and TRICARE may pay differently, and your out-of-pocket costs may be higher.
Filing a Claim Yourself
If you paid out of pocket for care, you can file a claim with WPS for reimbursement. Send the completed claim form, itemized bill, and proof of payment to the claims address. Use the TRICARE For Life claims form available on TRICARE4u.com. Claims must generally be filed within one year of the date of service.
Claims Processing Time
TFL claims are typically processed within 30 days after WPS receives the claim from Medicare. If you file a claim yourself, processing may take longer. You can check claim status by calling 1-866-773-0404 or by logging into the beneficiary portal at TRICARE4u.com.
TRICARE For Life Appeals Process
If WPS denies a claim or pays less than you believe is correct, you have the right to appeal. The appeal process for TFL follows Medicare and TRICARE rules.
How to File an Appeal
Review your Explanation of Benefits (EOB) to understand the denial reason.
Write a signed letter stating the specific matter you disagree with.
Include any additional documentation not included in the original claim.
Mail the appeal to: WPS TRICARE For Life, ATTN: APPEALS, P.O. Box 7490, Madison, WI 53707-7490.
Submit within 90 days of the denial date.
Your provider may also file the appeal on your behalf in many cases. Providers can submit appeals through the secure portion of TRICARE4u.com.
Appeal Timeframe
Appeals must be filed within 90 days of the date of the denial. Once WPS receives your appeal, it reviews all TFL claims for the entire course of treatment, not just the specific claim in question.
Latest TRICARE For Life Rule Changes for 2025–2026
GLP-1 Medication Coverage Ended
On August 31, 2025, TRICARE ended coverage of GLP-1 medications for TRICARE For Life beneficiaries being treated for obesity-related medical conditions. This change affected beneficiaries who were using medications such as semaglutide (Ozempic, Wegovy) and tirzepatide (Mounjaro, Zepbound) for weight management. Military advocacy organizations continue to push for restoration of this coverage.
Continued Focus on Military Treatment Facility Care
In 2026, 21 military treatment facilities are prioritizing bringing back TRICARE For Life patients for primary and specialty care. This initiative aims to improve continuity of care for Medicare-eligible beneficiaries and reduce reliance on civilian providers. TFL beneficiaries can receive care at military hospitals and clinics where space is available.
TRICARE For Life and Employer Health Coverage
TRICARE published updated guidance in June 2026 on how TFL works with employer-sponsored health insurance. If you have employer coverage in addition to Medicare and TFL, the order of payment depends on your employment status and the size of the employer. Contact WPS for details about your specific situation.
Common Questions
What is the TRICARE For Life provider phone number?
The TRICARE For Life provider phone number is 1-866-773-0404. This connects you to WPS, the TFL claims processor. Call this number for claims, eligibility, benefits, and provider questions. Hours are Monday through Friday, 5 a.m. to 10 p.m. Central Time.
What are the TRICARE For Life customer service hours?
WPS customer service for TRICARE For Life is available Monday through Friday, 5 a.m. to 10 p.m. Central Time. The line is closed on weekends and federal holidays. Secure messaging through TRICARE4u.com is available 24 hours a day, 7 days a week.
What is the TDD number for TRICARE For Life?
The TDD (Telecommunications Device for the Deaf) number for TRICARE For Life is 1-866-773-0405. This line provides text telephone access to customer service representatives during regular business hours.
How do I contact TRICARE For Life from overseas?
If you are outside the United States and U.S. territories, contact International SOS, the TRICARE overseas contractor. Country-specific toll-free numbers are available at tricare-overseas.com/contact-us. Do not call the WPS domestic number from overseas.
Where do I mail TRICARE For Life claims?
Send all TFL claims for care received in the U.S. or U.S. territories to WPS/TRICARE For Life, P.O. Box 7890, Madison, WI 53707-7890. For written correspondence and appeals, use P.O. Box 7889 or P.O. Box 7490 respectively.
What is the TRICARE For Life pharmacy phone number?
The TRICARE Pharmacy Program phone number is 1-877-363-1303 for beneficiaries in the U.S. and U.S. territories. The TDD/TTY line is 1-877-540-6261. For specialty medications through Accredo, call 1-877-882-3324.
Who is eligible for TRICARE For Life?
TFL is for uniformed services retirees and their family members who are TRICARE-eligible and have Medicare Part A and Medicare Part B. Coverage is automatic once you have both Medicare parts and show as TRICARE-eligible in DEERS.
Do I need Medicare Part B for TRICARE For Life?
Yes. You must have Medicare Part A and Part B to qualify for TFL. If you decline Medicare Part B, you lose TFL eligibility. This applies even if you live overseas where Medicare does not provide coverage.
How long does TRICARE For Life claims processing take?
TFL claims are typically processed within 30 days after WPS receives the claim from Medicare. If you file a claim yourself, processing may take longer. Check claim status by calling 1-866-773-0404 or logging into TRICARE4u.com.
Can I see any provider with TRICARE For Life?
TFL generally follows Medicare rules for provider participation. If your provider accepts Medicare, they will generally accept TFL as secondary coverage. If you see a provider who does not participate in Medicare, your out-of-pocket costs may be higher.
What is the EDI help desk number for TRICARE For Life providers?
Providers submitting electronic claims should call the WPS EDI help desk at 1-800-782-2680. Hours are Monday through Friday, 7:55 a.m. to 4:30 p.m. Central Time. Press 1 for TRICARE For Life or 2 for TRICARE Overseas.
How do I update my address for TRICARE For Life?
Update your address in DEERS through milConnect at milconnect.dmdc.osd.mil or by visiting a local ID card office. You should also notify WPS by calling 1-866-773-0404. Keeping your address current ensures you receive Explanation of Benefits statements and other important correspondence.
Key Takeaways
The TRICARE For Life provider phone number is 1-866-773-0404.
WPS customer service hours are Monday–Friday, 5 a.m.–10 p.m. Central Time.
The TDD line for hearing-impaired callers is 1-866-773-0405.
Overseas TFL beneficiaries contact International SOS, not WPS.
TFL claims go to WPS/TRICARE For Life, P.O. Box 7890, Madison, WI 53707-7890.
Appeals go to ATTN: APPEALS, P.O. Box 7490, Madison, WI 53707-7490.
The TRICARE Pharmacy phone number is 1-877-363-1303.
You must have Medicare Part A and Part B to qualify for TFL.
TFL is Medicare-wraparound coverage — Medicare pays first, TFL pays remaining covered costs.
GLP-1 coverage for obesity-related conditions ended August 31, 2025.
Official Resources
TRICARE For Life:Â tricare.mil/tfl
TRICARE4u (WPS Beneficiary Portal):Â tricare4u.com
TRICARE Overseas:Â tricare-overseas.com
TRICARE Pharmacy:Â tricare.mil/pharmacy
Express Scripts (TRICARE Pharmacy):Â militaryrx.express-scripts.com
Medicare:Â medicare.gov
DEERS / milConnect:Â milconnect.dmdc.osd.mil
Defense Health Agency:Â health.mil
USA.gov Veterans Benefits: usa.gov/veterans-benefits
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