An official website of the United States government
A .mil website belongs to an official U.S. Department of Defense organization in the United States.
A lock (lock ) or https:// means you’ve safely connected to the .mil website. Share sensitive information only on official, secure websites.

News | Dec. 11, 2024

Check the TRICARE Network Provider Directories Ahead of 2025

By TRICARE Communications

If you’re getting care outside of a military hospital or clinic, it’s important to understand your civilian provider options. With TRICARE, there are two types of civilian providers: network and non-network. The type of provider you see can determine how much you pay and your process for filing claims.

You should know that TRICARE’s new regional contracts, which begin Jan. 1, 2025, will affect the TRICARE provider networks in the U.S. You’re now able to check the network provider directories for both the East Region and West Region.

“It’s recommended to start looking through the network provider directories now, so you know which providers are in the network in the new year,” said Paul Wuerdeman, lead, provider networks, TRICARE Health Plan, at the Defense Health Agency.

Here’s how to see if your providers will remain in the TRICARE network on Jan. 1.

Viewing network provider directories

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.

Not sure of the differences between a network and non-network provider? Keep reading to learn more.

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.

TRICARE For Life

If you have TRICARE For Life, you can choose among Medicare participating, non-participating, or opt-out providers. Each type of Medicare provider is different, so be sure to review the Medicare Provider Directory to learn more.

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:

*Note: In the Philippines, TRICARE has a Preferred Provider Network. PPN providers:
  • Accept network copayments and cost-shares
  • File claims for you
  • Important: Non-network providers in the Philippines must still be certified to be covered by TRICARE, except for emergency services.

Remember: If you live in the West Region and want to find a network provider, you should use the:

Some services may require a referral or pre-authorization, depending on your TRICARE health plan. Remember to check the provider type before you get care, so you know what to expect.

Do you have more questions about how the new TRICARE contracts may affect you in 2025? Check out these articles on the TRICARE Newsroom:

Would you like the latest TRICARE news sent to you by email? Visit TRICARE Subscriptions, and create your personalized profile to get benefit updates, news, and more.

 

Map of West Region states and TRICARE logo. Text: Referral approval waiver: Referral approvals are waived through June 30.

Defense Health Agency Extends Referral Approval ...

News
Apr. 30, 2025

Do you live in the West Region? Do you have TRICARE Prime? You should know that the Defense Health Agency has...
Read More
TRICARE logo; map of West Region U.S. states in blue. Text reads "Attention West Region Beneficiaries: Submit your payments by April 30 to avoid disenrollment. If you are disenrolled, call TriWest at 888-TRIWEST to reinstate your TRICARE health plan."

Disenrolled From Your TRICARE Plan in the West R...

News
Apr. 29, 2025

Do you currently live in the TRICARE West Region? Do you pay for your TRICARE coverage using a bank electronic...
Read More
Drop off unused, unneeded, or expired drugs at military pharmacies in the U.S.

Safely Dispose of Unused Prescriptions on April ...

News
Apr. 24, 2025

Did you know that Saturday, April 26, is the next National Drug Take Back Day? It’s a day to safely dispose of...
Read More
TRICARE For Life Handbook graphic

Want To Learn About TRICARE For Life? Check Out ...

News
Apr. 22, 2025

You may be approaching age 65, or you may have a disability or a medical condition that makes you eligible for...
Read More
Smiling woman stands in front of American flag.

Unlock Your Health: Need Help With Your TRICARE ...

News
Apr. 18, 2025

Did you know that military hospitals and clinics have support staff who can help you navigate your TRICARE...
Read More
Four young children stand in a huddle, laughing and holding a soccer ball. Text reads: Stay in the Game - Stop Measles Before It Starts! Defense Health Agency and Unlock Your Health text.

Measles Cases on the Rise in the U.S.: Recognize...

News
Apr. 17, 2025

You may have heard about the ongoing measles outbreak in the U.S. Measles is a highly contagious illness that...
Read More
Uniformed service member answers phone standing in front of computer screen

TRICARE’s Near Patient Program: What To Know

News
Apr. 15, 2025

For service members and their family members living overseas, challenges like language barriers and unfamiliar...
Read More
Graphic with TRICARE logo that reads, "Patients needed on April 25 for a focus group discussion on menopause. Sign up deadline is April 24. Learn if you qualify." Drawing of three womn sitting around a laptop.

Provide Feedback on Clinical Practice Guidelines...

News
Apr. 10, 2025

Did you know that your feedback could be a key ingredient in developing health policies, treatments, and...
Read More

April 30, 2025

Defense Health Agency Extends Referral Approval Waiver Through June 30 for West Region TRICARE Prime Enrollees

Do you live in the West Region? Do you have TRICARE Prime? You should know that the Defense Health Agency has extended the West Region referral approval waiver through June 30. TRICARE-authorized specialty care providers don’t need to wait for TriWest Healthcare Alliance to approve referrals issued by your primary care manager before providing outpatient care.

April 29, 2025

Disenrolled From Your TRICARE Plan in the West Region? Here’s How To Reinstate Your Coverage After April 30

Do you currently live in the TRICARE West Region? Do you pay for your TRICARE coverage using a bank electronic funds transfer, credit card, or debit card? If you haven’t done so already, you must securely provide your payment information to the West Region contractor, TriWest Healthcare Alliance, by April 30. If you haven’t submitted payment to TriWest by April 30, you and your family members will be disenrolled from your TRICARE plan on May 1. This disenrollment is retroactive to your paid-through date.

April 24, 2025

Safely Dispose of Unused Prescriptions on April 26, National Drug Take Back Day

Did you know that Saturday, April 26, is the next National Drug Take Back Day? It’s a day to safely dispose of unwanted, expired, or excess medications. But it’s also important to know that military pharmacies offer ways to safely dispose of drugs all year long through the Military Health System Drug Take Back program.

April 22, 2025

Want To Learn About TRICARE For Life? Check Out This Handbook

You may be approaching age 65, or you may have a disability or a medical condition that makes you eligible for Medicare and TRICARE For Life before you turn age 65. In either case, you’ll benefit from checking out the TRICARE For Life Handbook.

April 18, 2025

Unlock Your Health: Need Help With Your TRICARE Benefit? A Beneficiary Counseling and Assistance Coordinator Can Help

Did you know that military hospitals and clinics have support staff who can help you navigate your TRICARE benefit? These include Beneficiary Counseling and Assistance Coordinators. You can find them at any military hospital or clinic.

April 17, 2025

Measles Cases on the Rise in the U.S.: Recognize the Symptoms and Protect Your Family

You may have heard about the ongoing measles outbreak in the U.S. Measles is a highly contagious illness that can cause serious complications. Anyone who isn’t protected against measles can get the illness—and children are especially at risk of getting seriously sick.

April 15, 2025

TRICARE’s Near Patient Program: What To Know

For service members and their family members living overseas, challenges like language barriers and unfamiliar health systems may make getting medical care stressful. But getting health care overseas doesn’t have to be difficult. Luckily, TRICARE offers the Near Patient Program to help monitor your medical care and assist you in ten overseas locations.

April 10, 2025

Provide Feedback on Clinical Practice Guidelines in Joint DOD, VA Patient Focus Groups: Menopause Discussion on April 25

Did you know that your feedback could be a key ingredient in developing health policies, treatments, and models of care for the military and veteran healthcare systems? The Department of Defense and Veterans Health Administration are seeking volunteers for four upcoming virtual patient focus groups. The next focus group, on diagnosing and treating menopause, is on April 25 at 2 p.m. ET. The deadline to register is April 24 at 5 p.m. ET.

April 8, 2025

New TRICARE Drive Time Waiver Policy Makes it Easier To Keep Your Primary Care Manager if You Move

Are you moving to a new home? Is it more than a 30-minute drive from your primary care manager? If so, TRICARE is making it simpler to keep your TRICARE Prime coverage. Now, most families who live more than 30 minutes but less than 100 miles from their PCM can continue seeing them without taking action.

April 3, 2025

Q&A: Your TRICARE Catastrophic Cap

You can’t always predict your family’s healthcare needs. But you can know the most you could have to pay for TRICARE covered services. TRICARE calls this your catastrophic cap. Your catastrophic cap limits how much you and your family will pay for TRICARE covered healthcare services each calendar year.