REGIONAL GUIDE
TRICARE Regional Contractors
TRICARE is administered by different contractors depending on your location. Understanding your region helps you find the right resources and support.
TRICARE East
Humana Military
States/Areas Covered:
Alabama
Arkansas
Connecticut
Delaware
District of Columbia
Florida
Georgia
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas (most)
Vermont
Virginia
West Virginia
Wisconsin
Key Features:
- Largest geographic coverage area
- Extensive network of civilian providers
- Online portal for claims and referrals
- Nurse advice line 24/7
TRICARE West
Health Net Federal Services
States/Areas Covered:
Alaska
Arizona
California
Colorado
Hawaii
Idaho
Iowa (Rock Island Arsenal area)
Montana
Nebraska
Nevada
New Mexico
North Dakota
Oregon
South Dakota
Texas (El Paso area)
Utah
Washington
Wyoming
Key Features:
- Western US coverage
- Strong network in military-dense areas
- Telehealth options available
- Dedicated military family support
TRICARE Overseas
International SOS
States/Areas Covered:
Europe Region
Pacific Region
Latin America/Canada Region
All overseas locations
Key Features:
- Coverage outside the US
- 24/7 emergency assistance
- Evacuation services when needed
- Local provider networks in many countries
Moving Between Regions: What Changes?
| Item | Changes When Moving? |
|---|---|
| Your TRICARE plan type (Prime/Select) | No Change |
| Your benefits and coverage | No Change |
| Your regional contractor | Yes - Action Required |
| Your network providers | Yes - Action Required |
| Your PCM (must re-enroll with new one) | Yes - Action Required |
| Customer service phone numbers | Yes - Action Required |
| Your deductibles reset mid-year | No Change |
Quick Reference: East vs West
TRICARE East (Humana Military)
Covers 35 states and territories east of the Mississippi River, plus several central states.
TRICARE West (Health Net)
Covers 18 states west of the Mississippi River, including Alaska and Hawaii.