TRICARE Claims Address: 2026 Directory & Filing Guide
*Note: TRICARE.com is an independent reference site and is not the official TRICARE program. For official policy and the most current government updates, visit TRICARE.mil.*
## Quick answer Where you send a TRICARE claim depends on where you live and what type of care you received (medical, pharmacy, or dental). Generally, you do not need to file claims for care at Military Treatment Facilities (MTFs) or with network providers; however, for out-of-network care, you must mail paper claims to either Humana Military (East), TriWest Healthcare Alliance (West), or International SOS (Overseas).
In detail
Determining the correct claims address is critical to ensuring your reimbursement is processed without delays. TRICARE divided the United States into two regions (East and West) as of January 1, 2025, under the T-5 contract.
Medical Claims (U.S. and Overseas)
If you are filing a manual claim (Form DD 2642), use the address corresponding to the region where you live, not where you received the care:
* **TRICARE East (Humana Military):** TRICARE East Region Claims Department P.O. Box 7071 London, KY 40742-7071 * **TRICARE West (TriWest Healthcare Alliance):** TRICARE West Region Claims Department P.O. Box 2128 Lowell, AR 72745-2128 * **TRICARE Overseas (International SOS):** TRICARE Overseas Region P.O. Box 7985 Madison, WI 53707-7985 (USA)
### Pharmacy and Dental Claims Pharmacy and dental benefits are managed by separate contractors and have their own specific mailing addresses:
* **Pharmacy (Express Scripts):** Express Scripts, Inc. P.O. Box 52132 Phoenix, AZ 85072-2132 * **Dental Program (United Concordia):** TRICARE Dental Program P.O. Box 69451 Harrisburg, PA 17106-9451 * **Retiree Dental (FEDVIP):** Claims addresses vary by specific carrier (e.g., Delta Dental, MetLife, BCBS). Visit the BENEFEDS website for your specific carrier's address.
### Electronic vs. Paper Filing While addresses are provided for paper mail, TRICARE.mil and the regional contractors strongly encourage using their **secure member portals** to upload digital copies of claims. This typically results in processing times that are 5–10 days faster than mail.
### Claim Submission Deadlines (2026 Rules) For care received in 2026, the following deadlines apply: * **In the U.S.:** Claims must be filed within one year of the date of service. * **Overseas:** Claims must be filed within three years of the date of service.
## Who this applies to * **TRICARE Select Beneficiaries:** Most likely to use this if seeing a non-network provider who does not file on their behalf. * **TRICARE Prime Members:** Applies if you received emergency care from a non-network hospital or authorized care outside of your region. * **TRICARE For Life (TFL) Users:** Usually only applies if you are traveling overseas where Medicare is not primary; in the U.S., providers usually bill Medicare first, and the claim rolls over to TRICARE automatically. * **TRICARE Reserve Select/Retired Reserve:** Applies when visiting non-network civilian specialists.
Common scenarios
**Scenario A: The Out-of-Network Specialist** Jane is on TRICARE Select (Group A) in Virginia (East Region). She sees an out-of-network specialist in early 2026 who charges $300. The provider does not file claims. Jane pays the $300 upfront and mails DD Form 2642 to the **Humana Military address in London, KY**. Since her 2026 deductible is met, TRICARE reimburses her the allowable amount minus her 20% cost-share.
**Scenario B: Emergency in the West Region** Mark lives in California (West Region) and is on TRICARE Prime. While hiking, he goes to an out-of-network ER. To ensure he isn't balance-billed, he files a claim online via the **TriWest Healthcare Alliance portal** (addressing the claim to the Lowell, AR processing center) and ensures his Primary Care Manager (PCM) issues a retroactive referral.
**Scenario C: Overseas Pharmacy Purchase** A retiree living in Germany purchases a prescription at a local pharmacy. They must mail the claim and the receipt to the **Express Scripts pharmacy address in Phoenix, AZ**, or use the mobile app to upload the receipt for reimbursement.
## Related terms * **DD Form 2642:** The official "TRICARE Do-it-Yourself" claim form for patient-filed medical claims. * **Allowable Charge:** The maximum amount TRICARE will pay for a covered health care service. * **Explanation of Benefits (EOB):** The statement sent to you after a claim is processed explaining what was paid and what you owe. * **Network Provider:** A healthcare professional who has an agreement with the regional contractor to file claims for you. * **T-5 Contract:** The fifth generation of TRICARE contracts that transitioned West Region services to TriWest in 2025.
## Sources * TRICARE.mil Claims Information: https://www.tricare.mil/claims * Humana Military (East): https://www.humanamilitary.com/ * TriWest Healthcare Alliance (West): https://www.triwest.com/ * Express Scripts (Pharmacy): https://www.express-scripts.com/tricare