TRICARE Georgia: Fort Moore & East Region Guide 2026 | TRICARE.com

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## TRICARE in Georgia Georgia is part of the **TRICARE East Region**. Since the implementation of the T-5 contract, the regional contractor providing administrative services and managing the provider network is **Humana Military**. With major hubs like Fort Moore and Fort Stewart, Georgia remains one of the highest-density states for TRICARE beneficiaries in the Southeastern United States.

## Major military installations Georgia is home to several large-scale installations across all branches of service:

* **Fort Moore (formerly Fort Benning):** Army – Columbus * **Fort Stewart:** Army – Hinesville * **Hunter Army Airfield:** Army – Savannah * **Fort Eisenhower (formerly Fort Gordon):** Army – Augusta * **Robins Air Force Base:** Air Force – Warner Robins * **Moody Air Force Base:** Air Force – Valdosta * **Marine Corps Logistics Base Albany:** Marine Corps – Albany * **Naval Submarine Base Kings Bay:** Navy – St. Marys

## Plans available in Georgia Beneficiaries residing in Georgia have access to the full suite of TRICARE programs. Eligibility depends on your military status (Active Duty, National Guard/Reserve, or Retiree).

| Plan Type | Best For... | Key Feature (2026) | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty & Families | Low out-of-pocket costs; requires Primary Care Manager (PCM). | | **TRICARE Select** | Retirees & Families | Maximum flexibility; no referrals needed for most services. | | **TRICARE Reserve Select (TRS)** | Qualified Reserve/Guard | Low-cost premium-based plan for the "Selected Reserve." | | **TRICARE Retired Reserve (TRR)** | Qualified Retired Reserve | For "Gray Area" retirees under age 60. | | **TRICARE For Life (TFL)** | Dual-eligible (Medicare) | Wraparound coverage for those with Medicare Parts A & B. | | **TRICARE Young Adult (TYA)** | Adult Children | For dependent children up to age 26 not otherwise eligible. |

*Note: The **US Family Health Plan (USFHP)** is not currently available in Georgia; it is limited to specific areas in the Northeast, Gulf Coast, and Northwest.*

## Finding care in Georgia Most beneficiaries centered around **Fort Moore** utilize the **Martin Army Community Hospital (BAMC)** for primary and specialty care. However, if you are using TRICARE Select or if you are a Prime beneficiary referred to the civilian network, you must use the Humana Military provider directory.

* **Provider Directory:** Access the East Region directory via [HumanaMilitary.com](https://www.humanamilitary.com). * **Network vs. Non-Network:** In Columbus, Savannah, and Augusta, the network is robust. Using a "Network" provider ensures lower cost-shares and no balance billing. Using a "Non-Network" provider (specifically under TRICARE Select) can result in significantly higher out-of-pocket fees. * **Telehealth:** Georgia residents have access to the **Doctor on Demand** and **Teledoc** networks via Humana Military, which provide 24/7 access to urgent care and mental health providers without a referral for most plans (Active Duty Service Members always need a referral for civilian care).

Common questions for Georgia beneficiaries

**I am PCSing to Fort Moore. When should I enroll?** You should update your address in DEERS as soon as you arrive. Because Georgia is in the East Region, if you are moving from a West Region state (like Texas or California), you must specifically transfer your enrollment to Humana Military to ensure your coverage is seamless and your PCM is assigned to Martin Army Community Hospital or a local Columbus clinic.

**Can I use TRICARE at Emory Healthcare or Augusta University Health?** Yes, these major hospital systems are typically "Network" providers in the TRICARE East Region. However, because TRICARE updates its network frequently, always verify current status through the Humana Military portal before scheduling.

**Is travel for specialty care covered if I'm at a remote site in Georgia?** If you are stationed at a remote location (such as a recruiter in a rural Georgia county) and are ordered to travel more than 100 miles for specialty care, you may be eligible for the TRICARE Prime Travel Benefit. This requires specific authorization from Humana Military.

## Sources * **TRICARE East Region (Humana Military):** [humanamilitary.com](https://www.humanamilitary.com) * **TRICARE Official Site:** [tricare.mil](https://www.tricare.mil) * **Martin Army Community Hospital (Fort Moore):** [martin.tricare.mil](https://martin.tricare.mil) * **Defense Health Agency (DHA):** [health.mil](https://health.mil)