Humana Military: TRICARE East Region Guide (2026) | TRICARE.com

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Humana Military is the managed care contractor responsible for administering the **TRICARE East Region** health benefit. A subsidiary of Humana Inc., they serve approximately 6 million beneficiaries, including active-duty service members, retirees, and their families across the eastern United States. Under the current T5 contract, which began full delivery on January 1, 2025, Humana Military manages one of the largest healthcare networks in the country to support the Military Health System.

## Who they are Humana Military is a wholly-owned subsidiary of Humana Inc. (NYSE: HUM) and has partnered with the Department of Defense for over 25 years. They currently hold the TRICARE T5 East Region contract, which is valued at an estimated $70.8 billion over its full performance period. Humana Military is headquartered in Louisville, Kentucky, and serves as the primary point of contact for beneficiaries living in the eastern half of the United States.

## What they do As the regional contractor, Humana Military acts as the "insurance company" interface between the Department of Defense and civilian healthcare providers. Their core responsibilities include: * **Provider Network Management:** Recruiting and contracting with civilian doctors, hospitals, and specialists to ensure beneficiary access. * **Claims Processing:** Paying healthcare providers for covered services rendered to TRICARE East beneficiaries. * **Medical Management:** Reviewing and approving prior authorizations and referrals for specialty care. * **Customer Service:** Operating call centers to assist with enrollment, billing, and benefit questions. * **Enrollment Processing:** Managing the enrollment for TRICARE Prime, Select, and Young Adult plans. * **Case Management:** Providing specialized support for beneficiaries with complex medical needs or chronic conditions.

## How to reach them * **Phone (General Inquiries):** 1-800-444-5445 * **Member Portal:** [HumanaMilitary.com](https://www.humanamilitary.com) (Beneficiary Self-Service) * **Mobile App:** Humana Military (Available on iOS and Android) * **Claims Mailing Address:** TRICARE East Region Claims P.O. Box 7071 London, KY 40742-7071

## Service area Humana Military manages the **East Region**, which includes the following 31 states and the District of Columbia: Alabama, Arkansas, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa (Rock Island area), Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri (St. Louis area), New Hampshire, New Jersey, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas (excluding the El Paso area), Vermont, Virginia, West Virginia, and Wisconsin.

## Common issues & how to escalate 1. **Delayed Authorizations:** If a specialty referral is stuck in "pending" status beyond the standard 2–5 business day window, beneficiaries should check the status via the Humana Military self-service portal. 2. **Network Disputes:** If a provider is incorrectly listed as "In-Network" but refuses to accept TRICARE, you can report a directory inaccuracy through the Humana Military website. 3. **Claims Denials:** If a claim is denied for "Missing Information" or "No Authorization," the beneficiary or provider must file a written appeal within 90 days. 4. **Escalation Path:** If basic customer service cannot resolve a systemic issue, beneficiaries should contact the **Beneficiary Counseling and Assistance Coordinator (BCAC)** at their nearest military hospital or clinic. For formal grievances regarding quality of care, a written letter should be submitted to the Humana Military Grievances department via their online portal or mailing address.

## Sources * TRICARE.mil: [East Region Contractor Information](https://www.tricare.mil/East) * Humana Military Official Site: [HumanaMilitary.com](https://www.humanamilitary.com) * Defense Health Agency: [T5 Contract Award Announcements](https://health.mil)