When you hit 60 and start collecting your reserve retirement and become eligible for TRICARE your wife will also be covered by TRICARE, despite being only 53. Later on, when you become eligible for Medicare, you’ll have to sign up for Parts A & B and at that point in time you will begin to use Tricare for Life. However, your wife will continue to utilize TRICARE Prime or Standard until such time as she becomes eligible for Medicare. At that point, she too will switch to TRICARE for Life. It should be fairly straight-forward. Just make sure all your family information in the Defense Enrollment Eligibility Reporting System is up to date and accurate.