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What are the TRICARE regions and contractors?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
AI-assisted (gemini)
Quick Answer
TRICARE has two US regions (East and West) plus overseas regions, each with a contracted health plan administrator managing the network.
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Key Takeaways
- Two US regions: East and West
- Humana Military covers East
- Health Net covers West
- Overseas has separate contractors
Detailed Answer
TRICARE is administered through regional contractors who manage networks and claims.
US Regions
- TRICARE East: Humana Military
- TRICARE West: Health Net Federal Services
- Dividing line runs through multiple states
TRICARE East States
- All states east of the Mississippi River
- Plus parts of Texas, Oklahoma, and more
- Contractor: Humana Military
TRICARE West States
- All states west of dividing line
- Alaska, Hawaii, Pacific territories
- Contractor: Health Net Federal Services
Overseas Regions
- Eurasia-Africa
- Latin America and Canada
- Pacific
- Managed by International SOS
What Contractors Do
- Maintain provider networks
- Process claims
- Handle authorizations
- Customer service
- Enrollment assistance
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What do most military families add to their TRICARE coverage?
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Supplemental health insurance is the most common addition — it covers dental, vision, and out-of-pocket costs that TRICARE leaves uncovered. Life insurance and a legal will are also highly recommended.
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