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.

 

Man in grey shirt speaks to a doctor

Medicare and TRICARE For Life: Finding Providers

News
Aug. 14, 2025

If you have TRICARE For Life, you’ll get health care from Medicare providers. Here’s what you need to know...
Read More
A hand places white flowers on a stone grave

How a Death in the Family May Affect Your TRICAR...

News
Aug. 12, 2025

When a family member passes away, it can feel overwhelming to deal with paperwork on top of the emotional...
Read More
Female teacher leads a group of young students into school

Get Your Child Ready for the New School Year: A ...

News
Aug. 07, 2025

Getting your child’s health care needs taken care of before school starts helps ensure they’re ready to focus...
Read More
Service member pours pills into a pill counter machine

TRICARE Coverage of Weight Loss Medications: Wha...

News
Aug. 05, 2025

Understanding the difference between TRICARE plans and coverage is key to knowing what to expect when filling...
Read More
Two service members laugh together in dressed in uniform

TRICARE Coverage for National Guard and Reserve ...

News
Jul. 31, 2025

Are you or your sponsor in the National Guard or Reserve? Your health coverage changes when activating or...
Read More
Uniformed service member stands outside and holds infant in his arms.

Unlock Your Health: Check Your TRICARE Informati...

News
Jul. 29, 2025

When was the last time you looked to see if your information in the Defense Enrollment Eligibility Reporting...
Read More
Uniformed service member uses mouse and keyboard, looking at desktop screen.

TRICARE Logins: Know How To Access Portals and M...

News
Jul. 24, 2025

Whether you need to make an appointment, check a claim, or download forms, knowing where to log in can make...
Read More
Service member holds a brown paper bag next to ScriptCenter automated machine.

Your TRICARE Pharmacy Program Benefit: Creating ...

News
Jul. 22, 2025

Have you recently filled a prescription at a military pharmacy? If so, you may know that military pharmacies...
Read More

Aug. 14, 2025

Medicare and TRICARE For Life: Finding Providers

If you have TRICARE For Life, you’ll get health care from Medicare providers. Here’s what you need to know about finding different types of Medicare providers.

Aug. 12, 2025

How a Death in the Family May Affect Your TRICARE Coverage

When a family member passes away, it can feel overwhelming to deal with paperwork on top of the emotional burden. This article provides a few steps you should take in the weeks following your family member’s death. Taking these steps can help ensure your coverage continues without interruption.

Aug. 7, 2025

Get Your Child Ready for the New School Year: A TRICARE Parent’s Guide

Getting your child’s health care needs taken care of before school starts helps ensure they’re ready to focus on learning. TRICARE covers the essential services that parents need to check off their back-to-school list.

Aug. 5, 2025

TRICARE Coverage of Weight Loss Medications: What To Know

Understanding the difference between TRICARE plans and coverage is key to knowing what to expect when filling your prescription. There are different rules about how TRICARE covers these drugs based on your plan.

July 31, 2025

TRICARE Coverage for National Guard and Reserve Members: Know Your Options

Are you or your sponsor in the National Guard or Reserve? Your health coverage changes when activating or deactivating. Here’s what you need to know.

July 29, 2025

Unlock Your Health: Check Your TRICARE Information in DEERS Today

When was the last time you looked to see if your information in the Defense Enrollment Eligibility Reporting System is up to date? If it’s been a while, it’s extremely important to take time and log in to DEERS to review or update your information.

July 24, 2025

TRICARE Logins: Know How To Access Portals and Manage Your Benefit

Whether you need to make an appointment, check a claim, or download forms, knowing where to log in can make using your TRICARE benefits easier. Today’s Military Health System relies on multiple online platforms—each with a specific purpose. Understanding them, and how they’re evolving, can help you make the most of your health coverage.

July 22, 2025

Your TRICARE Pharmacy Program Benefit: Creating a Patient-Centered Military Pharmacy Experience

Have you recently filled a prescription at a military pharmacy? If so, you may know that military pharmacies have different procedures than civilian pharmacies. When a provider issues a new prescription to a military pharmacy, you need to activate the prescription before a pharmacist fills it. Recently, the Defense Health Agency has developed and updated two tools—Q-Anywhere and ScriptCenters—to make this prescription pickup process easier and more convenient.

July 17, 2025

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

Did you know that TRICARE beneficiaries can receive a variety of health care 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.

July 15, 2025

New to TRICARE? Here’s How To Get Started With Your Benefit

Have you recently enlisted in or received a commission to a uniformed service? Or, have you just married a uniformed service member? If you’re new to TRICARE, you may have some questions about how to enroll in a plan, get care, and learn more about your coverage.