TRICARE Sitemap: Navigate Benefits, Plans, and 2026 Costs
## Quick answer The TRICARE.com sitemap is a comprehensive directory designed to help military members, retirees, and their families quickly locate information on TRICARE health plans, regional contractors, and pharmacy benefits. Whether you are looking for 2026 copay rates or the contact info for TriWest (West Region) and Humana Military (East Region), this page serves as a centralized navigation hub.
*Note: TRICARE.com is an independent reference site and is not affiliated with the Department of Defense or the official TRICARE.mil program.*
In detail
Navigating military health insurance can be complex due to regional shifts and annual fee updates. This sitemap categorizes our resource guides into logical sections to ensure you find the exact policy or pricing data you need for the current 2026 plan year.
### 1. TRICARE Health Plans Guides detailing eligibility, enrollment, and coverage for primary plans: * **TRICARE Prime:** The managed care option, similar to an HMO. * **TRICARE Select:** A self-managed, preferred provider organization (PPO) option. * **TRICARE For Life (TFL):** Medicare-wraparound coverage for retirees. * **TRICARE Reserve Select (TRS):** Premium-based coverage for qualified Selected Reserve members. * **TRICARE Retired Reserve (TRR):** For members of the Retired Reserve under age 60. * **TRICARE Young Adult (TYA):** Coverage for adult children up to age 26.
### 2. Regional Contractors (T-5 Contract Era) As of 2026, TRICARE operates under the T-5 contract structure. It is critical to know your regional manager for claims and authorizations: * **East Region:** Managed by **Humana Military**. * **West Region:** Managed by **TriWest Healthcare Alliance** (Transitioned from HNFS in 2025). * **Overseas:** Managed by **International SOS**.
### 3. Costs and 2026 Rates We provide detailed breakdowns of out-of-pocket expenses: * **Catastrophic Caps:** The maximum amount you pay out-of-pocket per year. * **Enrollment Fees:** Annual costs for Prime and Select (Group A vs. Group B). * **Pharmacy Costs:** Managed by **Express Scripts**, including home delivery and retail network pricing.
### 4. Special Programs and Claims * **Dental Program:** Managed by United Concordia. * **Vision Coverage:** Managed through FEDVIP/BENEFEDS. * **Claims Filing:** How to submit medical and pharmacy claims.
## Who this applies to * **Active Duty Service Members (ADSMs):** Mandatory Prime enrollment; $0 out-of-pocket costs. * **Active Duty Family Members (ADFMs):** Options for Prime or Select; varying copays for 2026. * **Retirees & Their Families:** Subject to annual enrollment fees and higher catastrophic caps. * **National Guard and Reserve:** Eligibility for TRS depends on military status. * **Medicare-Eligible Beneficiaries:** Automatic transition to TRICARE For Life.
Common scenarios
**Scenario 1: West Region Specialist Visit** A TRICARE Select beneficiary in San Diego (West Region) visits a network specialist in 2026. Since TriWest is the contractor, the beneficiary checks the sitemap to find the "Network Provider" guide. For a Group A retiree, the 2026 copay for a specialist might be approximately $38–$45 depending on the specific service.
**Scenario 2: Pharmacy Refill via Mail Order** A family in Georgia (East Region) needs to refill maintenance medication. They use the sitemap to find the **Express Scripts** portal link. In 2026, a 90-day supply of a generic drug via home delivery is often the most cost-effective method (e.g., $16 for generic vs. higher retail rates).
**Scenario 3: Transitioning to Medicare** A retired Navy Commander turns 65 in 2026. He uses the sitemap to locate the **TRICARE For Life** guide to understand how Medicare Part B acts as the primary payer while TRICARE becomes the secondary payer.
## Related terms * **Catastrophic Cap:** The maximum out-of-pocket limit a family pays for covered services in a calendar year. * **Group A vs. Group B:** "Group A" entered service before Jan 1, 2018; "Group B" entered on or after that date, often facing different fee structures. * **Network Provider:** A doctor or facility that has a contract with Humana Military or TriWest to provide care at negotiated rates. * **DEERS:** The Defense Enrollment Eligibility Reporting System; the database that determines your TRICARE eligibility. * **PCM (Primary Care Manager):** The doctor assigned to coordinate your care under a Prime plan.
## Sources * **TRICARE Official Site:** https://www.tricare.mil * **Humana Military (East):** https://www.humanamilitary.com * **TriWest Healthcare Alliance (West):** https://www.triwest.com * **Express Scripts (Pharmacy):** https://militaryrx.express-scripts.com