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Just curious. Don't you get a benefit booklet yearly that tells you what TriCare covers. Also, updates with any changes? From what Geaton posted, like any Medicare suppliment it pays mainly healthcare costs. I don't know about TrCare, but suppliments only pay for what Medicare allows. Medicare pays 80% of what they consider reasonable and supplimentals may pay the 20% left. Does Tricare have an online site that explains the benefits they have?
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My husband is a twenty-year Navy veteran with a 50 percent service disconnected disability rating. He receives 13 hours of services through a home health agency. The rest I pay for out of pocket. I contacted Vet Connect and we do not qualify for Aid & Attendance due to his income.

The response from Geaton777 sums it up nicely.
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(The following was researched through ChatGPT5.3)

"No, Tricare for Life by itself generally does not cover long-term custodial care, such as:

Assisted living
Memory care
Most senior living communities
Long-term nursing home residence when the primary need is help with activities of daily living (bathing, dressing, eating, supervision, etc.)
Ongoing in-home caregiving for dementia or frailty

What Tricare for Life Does Cover
Tricare for Life works as a supplement to Medicare. It generally covers medically necessary care, including:

Hospitalizations
Physician visits
Skilled nursing care after a qualifying hospital stay
Home health services prescribed by a physician (skilled nursing, physical therapy, occupational therapy, etc.)
Hospice care
Durable medical equipment

What It Usually Does NOT Cover

If someone needs:

A caregiver to stay with them
Help bathing, dressing, toileting
Dementia supervision
Assisted living rent and services
Long-term memory care
those costs are typically paid out-of-pocket unless another program applies.

For Veterans

A veteran with 20 years of service may have additional options beyond Tricare for Life:

VA Benefits
Depending on:

Disability rating
Service-connected conditions
Income and assets
Wartime service history
the veteran may qualify for:

VA homemaker and home health aide services
Adult day health care
Respite care
Community nursing home care
VA Community Living Centers
Home-Based Primary Care
Veteran-Directed Care (in some areas)

Aid and Attendance

The VA's Aid and Attendance benefit can provide a significant monthly payment to help offset:

Assisted living
Memory care
In-home caregivers
Many veterans and spouses are unaware they may qualify."
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