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 | March 13, 2025

How To Find and Choose Your TRICARE Provider

By TRICARE Communications

 *Note: This article was updated April 29 to reflect the extension of the West Region referral approval waiver through June 30 and the West Region point-of-service fee waiver through Sept. 30.*

If you’re looking for a provider, it’s important to understand the different types of TRICARE providers you can see. The type of provider you see can determine how much you pay for care and the process for filing claims.

“Before getting care, always find out if your provider is TRICARE-authorized and in your TRICARE contractor’s network,” said Paul Wuerdeman, lead, provider networks, TRICARE Health Plan, at the Defense Health Agency. “Knowing your provider options will help you lower your costs and find the right care for your needs.”

Keep reading to learn about provider types and how to find a provider.

Network providers

Are you wondering which type of provider you should see? There are two main types of TRICARE providers: Network and non-network providers. Network providers have signed agreements to work directly with TRICARE, as described in the TRICARE Choices in the United States Handbook. Seeing a network provider has several important benefits. Network providers:
  • Charge lower costs for your care and won’t surprise you with extra bills above what TRICARE allows
  • Take care of filing your claims, which means less paperwork for you
  • Have agreed to follow TRICARE’s rules and procedures for your care

Network providers are often your most affordable and convenient choice. You’ll only have to pay your cost-share to a network provider.

Non-network providers

Non-network providers can treat TRICARE beneficiaries, but they don’t have direct agreements with TRICARE. There are two types of non-network providers you should know about: participating non-network providers and non-participating providers.

Participating non-network providers will:

  • Accept TRICARE’s payment rate for your care
  • Only bill you for your share of the costs
  • Handle your claims paperwork for you

Non-participating providers might:

  • Charge you more than what TRICARE allows, resulting in higher out-of-pocket costs
  • Ask for full payment before they treat you
  • Expect you to file your own claims

Important: Remember to ask non-network providers if they’re TRICARE-authorized before getting care—even if they’ve accepted TRICARE in the past. If they aren’t TRICARE-authorized, TRICARE won’t pay for any part of your claim.

How to find a provider

You have several options to search for providers:

If you live in the West Region, your regional contractor is now TriWest Healthcare Alliance. You can access the TriWest provider directory.

If you live in the East Region, check out the Humana Military network provider directory.

If you live overseas, use the International SOS provider directory to locate nearby providers.

Note: TRICARE has a Preferred Provider Network in the Philippines. Non-network providers in the Philippines must be certified to be covered by TRICARE, except for emergency services. Providers in the PPN:

  • Accept network copayments and cost-shares
  • File claims for you

Learn more about getting care in the Philippines on the TRICARE website.

Rules for different TRICARE plans

Your TRICARE plan determines the rules for which providers you can see. Here’s what you need to know about each plan.

If you have TRICARE Select, TRICARE Reserve Select, TRICARE Retired Reserve, or TRICARE Young Adult - Select Option, you can:

  • Visit any provider who is approved by TRICARE 

If you have TRICARE Prime, including TRICARE Young Adult - Prime Option:

  • You get routine care from an assigned or selected primary care manager.
  • Your PCM may be at a military hospital or clinic or a civilian TRICARE network provider.
  • You’ll need a referral for specialty care and some diagnostic services.
    • Note: Do you live in the West Region? There is a referral approval waiver in place through June 30. This means you still need to get a referral for specialty care, but you don’t need to wait for TriWest to approve the referral before seeing the specialist.
  • You can use the point-of-service option to see a non-network provider, but you may have higher costs.
    • Important: Do you live in the West Region? Through Sept. 30, you won’t have to pay POS fees for care received from a non-network provider. The Defense Health Agency has issued a waiver for POS fees, as long as the provider is TRICARE-authorized. Starting Oct. 1, if the provider is still a non-network provider and isn’t named on your referral or pre-authorization, you’ll need to pay POS fees.

If you have TRICARE Prime Remote:

  • You can see non-network providers if no network providers practice in your area.

If you have TRICARE For Life:

Keeping costs low

You can take several steps to keep your healthcare costs down:
  • Choose network providers whenever possible.
  • Check if you need TRICARE’s approval before getting treatment.
  • Ask providers if they’re TRICARE-authorized before making appointments.
  • Learn and follow your plan’s specific rules about getting care.

To learn more about making appointments and getting the care you need, visit the TRICARE website.

 

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
Picture of a rear-view mirror in traffic.

New TRICARE Drive Time Waiver Policy Makes it Ea...

News
Apr. 08, 2025

Are you moving to a new home? Is it more than a 30-minute drive from your primary care manager? If so, TRICARE...
Read More

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.

April 1, 2025

Unlock Your Health by Getting Virtual Health Care at Home With TRICARE

Did you know that TRICARE beneficiaries can receive a variety of healthcare services via virtual health? These services take place through secure video calls, phone appointments, and other technology platforms. TRICARE virtual health coverage includes primary care, urgent care, mental health, and specialty services.