Check the TRICARE Network Provider Directories Ahead of 2025
If you live in the West Region, or a state that’s moving to the West Region on Jan. 1, your new regional contractor is TriWest Healthcare Alliance. TriWest’s network provider directory is available at tricare.mil/west. You should use this directory to see which providers will be in the network for care you get starting Jan. 1.
Note: Are you planning to get care between now and Dec. 31? Keep using the Health Net Federal Services, LLC network provider directory to find a network provider.
If you live in the East Region, Humana Military will remain your regional contractor. This means you can keep using the same Humana Military network provider directory in the new year.
These network provider directories are continuously updated as new providers join the network.
Network providers
A network provider is part of TRICARE’s contract network, as outlined in the TRICARE Choices in the United States Handbook. These providers have an agreement with TRICARE to follow specific rules.
Here’s what to expect from network providers:
- Care agreements: Network providers have signed a contract with TRICARE to offer services at pre-determined rates. • Cost-sharing: They accept your network copayment or cost-share as payment in full, which can lower your costs. • Claims processing: Network providers handle claims directly with TRICARE. This means you don’t have to file them yourself.
If you have TRICARE Prime Overseas or TRICARE Prime Remote Overseas, network providers offer cashless, claimless services. This means you don’t have to pay upfront or file claims.
Non-network providers
Non-network providers aren’t part of the TRICARE network. But they’re authorized to provide care to TRICARE beneficiaries. Non-network providers fall into two categories:
- Participating providers: These providers file claims for you and accept payment from TRICARE. They agree to the TRICARE-allowable charge, which includes your copayment or cost-share.
- Nonparticipating providers: These providers haven’t agreed to the TRICARE-allowable charge. They may charge more than this rate for care. If you see a nonparticipating provider, you may need to pay upfront and file a claim for reimbursement.
Here are some important things to consider when getting care from a non-network provider:
- Upfront costs: Non-network providers might ask you to pay for services at your visit.
- Additional charges: In the U.S., non-network providers may charge you above the TRICARE-allowable amount. • Claims responsibility: With non-network providers, you may need to file your own claims.
Are you living or traveling overseas? The TRICARE Overseas Program Handbook describes what you need to know about non-network care.
Remember: If you get care from a non-TRICARE-authorized provider, you’ll be responsible for the full cost of your care. Before getting care, encourage them to check out how to become a TRICARE provider.
Finding a provider
To locate a TRICARE provider, you can use the Find a Doctor tool or browse All Provider Directories. Or visit your regional contractor’s website to search their online directory:
*Please help Mission:Milspouse spread the word and makeTRICARE coverage in the New year a Priority!
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