Have TRICARE For Life Questions?
CALL TRACY NOW! (877) 549-1212
36 Years of Hands-On Experience Helping America's Military Retirees Get the Dental, Vision, Hearing, and Health Benefits They Deserve.
Not affiliated with or endorsed by the government or Federal Medicare program.
Are You Turning 65?
Or Do You Already Have Medicare?
If you are a Retired Military or a Military Spouse and have TRICARE For Life or CHAMPVA, book a call with me to go over your options.
Hi, my name is Tracy McManamon and I
work exclusively with retired military and
their spouses.
The Medicare market can be confusing with too many options and
not enough straight answers. I can help you unpack your benefits in
simple, easy-to-understand language.
I have over 36 years of experience in the insurance and finance
industry ― and I have family members currently serving in the U.S.
military. This work is personal to me.
Let me help you maximize your Medicare Advantage benefits using
your well-deserved TRICARE For Life - with plans specifically designed with veterans in mind.
Benefits You Could Be Getting Right Now — At $0 Extra Monthly Premium
✅ Routine Dental Care — cleanings, fillings, and more
✅ Vision Coverage — eye exams and eyewear allowances
✅ Hearing Aids — covered fittings and devices
✅ Fitness Membership — SilverSneakers gym access
✅ OTC Monthly Health Card — vitamins, pain relief, and supplies
✅ Part B Premium Savings — possible reduction or elimination of your Medicare Part B premium if you participate in one of these programs
✅ Medical Transportation — rides to your appointments
✅ Telehealth Visits — virtual doctor visits with no copay
✅ Worldwide Emergency Coverage — protection wherever you travel
How TRICARE For Life Works With Medicare Advantage
Retired military members receive TRICARE For Life, which covers what Medicare doesn't — including prescription drugs.
If you have Part A and Part B, you can enroll in a Medicare Advantage (Part C) plan without losing TRICARE. Just choose a plan without drug coverage, since TRICARE already handles that. TRICARE For Life remains secondary and continues covering your co-pays.
Turning 65? Enroll in Medicare Part B three months before your birthday — your TRICARE Prime or Select automatically converts to TRICARE For Life at no premium. Dependents with CHAMPVA qualify for the same Medicare Advantage options.
For more information, visit tricare.mil
Retired Military Specialist
TRICARE FOR LIFE + MEDICARE ADVANTAGE
Serving Veterans in:
OHIO
Cleveland, Columbus, Cincinnati, Dayton, Youngstown, Akron, Toledo, Cambridge
NORTH CAROLINA
Raleigh, Greensboro, Wilmington, Winston-Salem, Charlotte, Asheville, Fayetteville, Goldsboro
SOUTH CAROLINA
Charleston, Columbia, Greenville, Hilton Head
All About Tracy
I have been in the finance and insurance industry since the early 1990s — over 36 years of experience helping people protect what matters most.
I have family members currently serving in the United States military. This is not just a career for me — it is personal. I know what it means to watch someone you love serve this country and trust that their benefits will be there when they need them.
I find great satisfaction in helping the retired military community. TRICARE For Life is an incredible benefit reserved only for those who have served at least 20 years. You earned it. The Medicare Advantage plans I work with coordinate with TRICARE For Life without affecting your military benefits in any way.
Today I focus exclusively on helping retired military and their spouses with Medicare Advantage. This focus allows me to give every client the level of service and attention they deserve.
Licensed to Serve You In:
OHIO
Cleveland, Columbus, Cincinnati, Dayton, Youngstown, Akron, Toledo, Cambridge
NORTH CAROLINA
Raleigh, Greensboro, Wilmington, Winston-Salem, Charlotte, Asheville, Fayetteville, Goldsboro
SOUTH CAROLINA
Charleston, Columbia, Greenville, Hilton Head
What Veterans Are Saying
Bill H., U.S. Army Veteran, Ohio
"Tracy walked me through everything I was missing. I had no idea I could add a Medicare Advantage plan on top of TRICARE. Now I have dental, vision, and a gym membership — all for $0 more per month."
Carol S., Military Spouse, North Carolina
"Tracy has family in the military and you can feel that he genuinely cares. He is not trying to sell you something — he is making sure you get what you earned."
David R., Retired USMC, South Carolina
"I have been retired for 12 years and nobody ever told me about these benefits until Tracy. Do not wait as long as I did."
FAQs
Key Questions Answered: Simplifying Your Insurance Choices
Will I lose my TRICARE For Life benefits?
No. TRICARE For Life will continue to work as your secondary insurance alongside Medicare Advantage. Your co-pays, prescriptions, and military benefits remain fully intact.
Who covers the cost of my prescriptions and where can I pick them up?
TRICARE For Life still covers your prescriptions. Have them filled just as before — at your military pharmacy, Express Scripts, or retail pharmacy. There are no changes.
Am I still paying my Medicare Part B premium?
Yes, you continue paying your Medicare Part B premium. However, depending on the plan you choose, a portion of that premium may be paid back to you by the plan through a Part B giveback benefit.
Will I have co-pays?
TRICARE For Life continues to cover your co-pays on Medicare Advantage plans, just as it does on Original Medicare.
Which card do I present to my doctors and hospitals?
Present your Medicare Advantage card first as your primary insurance, then show your military ID so the provider knows TRICARE For Life is your secondary. Billing is handled automatically between the two.
Can I see the same doctors I currently see?
Yes, in most cases. The majority of doctors who accept Original Medicare also accept Medicare Advantage. The plans Tracy works with are PPO programs — no referrals needed and you can see specialists directly.
Do I need a referral to see a specialist?
No. The plans Tracy recommends are PPO plans so you do not need a referral to see a specialist. It is best to stay in-network for simplified billing but out-of-network options are available.
Can I go back to Original Medicare or change my plan?
Yes. During the Annual Enrollment Period each year from October 15 to December 7 you can switch plans or return to Original Medicare. You are never permanently locked in.
My spouse has CHAMPVA — do they qualify too?
Yes. Dependents with CHAMPVA are eligible for the same Medicare Advantage programs available to TRICARE For Life recipients. This is one of the most frequently missed benefits for surviving spouses.
When can I enroll in Medicare Advantage?
You can enroll once you have Medicare Parts A and B. You can sign up three months before turning 65 and up to three months after. You may also qualify earlier if you are medically retired or have a qualifying disability.
Thank you for requesting your copy.
Click the button below to download your free brief instantly. Tracy or a member of the One Source Benefits team will also be in touch within one business day.
CALL TRACY NOW!
(877) 549-1212
(877) 549-1212
255 North 3rd Street
Steubenville, Ohio 43952