TRICARE Contractors: East, West, and Pharmacy Index | TRICARE.com

TRICARE is a government-managed health program, but its daily operations—managing provider networks, processing claims, and answering customer service calls—are handled by private regional contractors. As of April 29, 2026, the TRICARE landscape is managed under the T-5 contract structure.

*Note: TRICARE.com is an independent reference site and is not the official TRICARE program or the Department of Defense. For official policy and secure portal access, visit TRICARE.mil.*

## What you'll find here This index organizes information regarding the private insurance companies that manage TRICARE benefits. You will find links to detailed pages on regional contractors, pharmacy managers, overseas support, and how these companies interact with your specific plan.

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### Regional Contractors - [Humana Military: East Region Overview](/contractors/humana-military-east) - [TriWest Healthcare Alliance: West Region Overview](/contractors/triwest-healthcare-alliance-west) - [International SOS: TRICARE Overseas Program](/contractors/international-sos-overseas) - [The T-5 Contract Transition: What Changed in 2025?](/contractors/t5-contract-explained) - [How to File a Claim with Your Regional Contractor](/contractors/how-to-file-claims) - [Finding an In-Network Provider via Contractor Portals](/contractors/finding-network-providers) - [Contractor Customer Service Phone Numbers](/contractors/contact-phone-directory) - [Appeals and Grievances: Working with Your Contractor](/contractors/appeals-and-grievances)

### Pharmacy & Specialty Contractors - [Express Scripts: TRICARE Pharmacy Program (TPrP)](/contractors/express-scripts-pharmacy) - [MetLife: TRICARE Dental Program for Active Duty Families](/contractors/metlife-dental) - [United Concordia: TRICARE Dental Program for Guard/Reserve](/contractors/united-concordia-dental) - [Benefeds: FEDVIP Vision and Dental via OPM](/contractors/benefeds-vision-dental) - [Health Net Federal Services (HNFS): Legacy Contract History](/contractors/health-net-federal-services-history) - [Accredo: Specialty Pharmacy Managed by Express Scripts](/contractors/accredo-specialty-pharmacy)

### Contractor-Related FAQ - [How do I know if I am in the East or West region?](/faq/east-vs-west-region-lookup) - [What is the secure portal login for Humana Military?](/faq/humana-military-login-help) - [How do I access the TriWest beneficiary portal?](/faq/triwest-beneficiary-portal-login) - [Why did my TRICARE contractor change?](/faq/why-did-my-tricare-contractor-change) - [Can I stay with the same doctor if the contractor changes?](/faq/doctor-continuity-contractor-change) - [Who do I call for pharmacy claims?](/faq/pharmacy-claims-contact) - [How do contractors verify DEERS eligibility?](/faq/contractor-deers-verification) - [Do contractors set the 2026 copay rates?](/faq/who-sets-tricare-rates)

### Glossary of Contractor Terms - [Managed Care Support Contractor (MCSC)](/glossary/managed-care-support-contractor) - [Regional Contractor](/glossary/regional-contractor) - [Network Provider](/glossary/network-provider) - [Non-Network Provider](/glossary/non-network-provider) - [Prior Authorization](/glossary/prior-authorization) - [Medical Necessity](/glossary/medical-necessity) - [T-5 Contract](/glossary/t5-contract) - [Direct Care vs. Purchased Care](/glossary/direct-vs-purchased-care)

## Tips for finding what you need * **Identify Your Region First:** All administrative tasks, from finding a primary care manager to paying 2026 enrollment fees, depend on whether you live in the East (Humana Military) or West (TriWest) region. * **Search for Specific Providers:** If you are looking for a doctor, use our "States" pages to find links to the contractor-specific provider directories for your local area. * **Use FAQ for Logistics:** If you have questions about claim status or portal logins, the FAQ section provides direct links to the contractor help desks. * **Check the Glossary:** If you encounter military-medical jargon like "PCM" or "NAS," the glossary will define these terms in the context of contractor requirements.