Find a TRICARE Provider: 2026 Search Guide | TRICARE.com

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## Quick answer To find a TRICARE-authorized provider, use the official **Find a Doctor** tool on the TRICARE.mil website. You must select your specific plan and region (East or West) to see a list of network doctors, specialists, and facilities that accept your coverage.

Details

Finding a provider depends heavily on your TRICARE plan and where you live. As of 2026, the TRICARE contractors are **Humana Military** (East) and **TriWest Healthcare Alliance** (West).

### 1. Identify Your Region and Contractor Before searching, confirm which regional contractor manages your area: * **TRICARE East Region:** Managed by Humana Military. Covers states from the East Coast to the Mississippi River. * **TRICARE West Region:** Managed by TriWest Healthcare Alliance (effective Jan 1, 2025). Covers the Western U.S., including Alaska and Hawaii.

### 2. Traditional Network Search Visit the [TRICARE Find a Doctor portal](https://www.tricare.mil/findaprovider). You will be redirected to the regional contractor's specific directory. * **Network Providers:** These doctors have a contract with TRICARE and agree to specific negotiated rates. If you are in **TRICARE Prime**, you must use network providers (usually at a Military Treatment Facility first) or have a referral. * **Non-Network Providers:** These can be "Participating" (they accept TRICARE’s payment as full payment) or "Non-Participating" (they may charge up to 15% above the TRICARE-allowable amount).

### 3. Finding Pharmacy and Specialty Care * **Pharmacy:** Drugstores are managed by **Express Scripts**. Use the Express Scripts search tool to find one of the ~50,000 retail network pharmacies. * **Overseas:** If you are outside the U.S., you must use the **International SOS** portal to find validated providers in your country. * **Mental Health:** You can search specifically for behavioral health providers through the same regional portals. For many outpatient mental health visits, TRICARE Select users do not need a referral, but Prime users usually do.

### 4. Costs and Referrals (2026) * **TRICARE Prime:** You generally need a referral from your Primary Care Manager (PCM) to see a specialist. If you see an unauthorized provider without a referral, you may be charged under the "Point-of-Service" option, which includes a $300 deductible for individuals (2026 rates). * **TRICARE Select:** You have more flexibility to choose any TRICARE-authorized provider without a referral, though your out-of-pocket copays are lower if you stay in-network.

## Who this affects * **Active Duty Service Members (ADSMs):** Must generally use MTFs unless referred out. * **Active Duty Family Members (ADFMs):** Can use Prime or Select networks. * **Retirees and their Families:** Includes those on TRICARE For Life (who primarily use Medicare-participating providers). * **National Guard and Reserve:** Those on TRICARE Reserve Select (TRS). * **Survivors and Medically Retired:** Beneficiaries utilizing transitional or long-term TRICARE coverage.

## Sources * **TRICARE.mil:** [Find a Doctor Tool](https://www.tricare.mil/findaprovider) * **Humana Military (East):** [Provider Directory](https://www.humanamilitary.com/beneficiary/find-care) * **TriWest Healthcare Alliance (West):** [Provider Search](https://www.triwest.com/en/beneficiary/) * **Express Scripts:** [Pharmacy Locator](https://www.express-scripts.com/tricare)