TRICARE Georgia: Fort Stewart & East Region Guide | TRICARE.com

As of April 2026, Georgia is part of the **TRICARE East Region**. Comprehensive medical coverage for military families in the Peach State is managed by the regional contractor, **Humana Military**.

## TRICARE in Georgia Georgia is a "high-density" TRICARE state located entirely within the East Region. All administrative services, from enrollment to claims processing, are handled by Humana Military. While several major Military Treatment Facilities (MTFs) anchor care in the state, a robust network of civilian providers supports those living off-base or using TRICARE Select.

## Major military installations Georgia is home to some of the largest and most strategically significant bases in the United States, including:

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

## Plans available in Georgia Georgia residents have access to the full suite of TRICARE programs.

| Plan Type | Best For | | :--- | :--- | | **TRICARE Prime** | Active duty and their families living near bases (like Fort Stewart). Low out-of-pocket costs with managed care. | | **TRICARE Select** | Those who want to choose their own doctors and don't mind paying deductibles and cost-shares. No referrals needed. | | **TRICARE Reserve Select (TRS)** | Qualified members of the Selected Reserve and their families. | | **TRICARE Retired Reserve (TRR)** | Retired Reserve members under age 60 and their families. | | **TRICARE For Life (TFL)** | Medicare-wraparound coverage for dual-eligible retirees. | | **TRICARE Young Adult (TYA)** | Adult children (21–26) who have aged out of regular TRICARE. |

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

## Finding care in Georgia For those stationed at **Fort Stewart**, the primary hub for medical care is **Winn Army Community Hospital**. Most Active Duty Service Members (ADSMs) and many family members enrolled in Prime will receive their primary care here.

If you are using TRICARE Select or live beyond the drive-time waiver of a military base: * **Provider Directory:** Use the Humana Military East Region provider search to find "Network" providers. Network providers have negotiated rates and file claims for you. * **Referrals:** If you are on Prime and need specialty care not available at Winn Army Community Hospital, your Primary Care Manager (PCM) must submit a request to Humana Military. * **Telehealth:** TRICARE covers secure video conferencing for many services. In Georgia, Humana Military partners with platforms like Doctor On Demand to provide 24/7 urgent care and mental health visits.

Common questions for Georgia beneficiaries

**I am moving (PCS) to Fort Stewart. How do I switch my care?** Do not cancel your current TRICARE coverage before you move. Once you arrive at Fort Stewart and update your address in DEERS, contact Humana Military to transfer your enrollment to the East Region. If you are on Prime, you will be assigned a PCM at Winn Army Community Hospital or a nearby network clinic.

**What happens if I live in Savannah but want to see a specialist in Atlanta?** If you are on TRICARE Select, you can see any TRICARE-authorized specialist in Atlanta without a referral, though using a network provider will save you money. If you are on TRICARE Prime, you must have an approved referral from your PCM, and TRICARE generally requires you to use the closest available network provider.

**Does TRICARE work with Georgia's Medicaid (PeachCare)?** Yes, but TRICARE is always the primary payer. Medicaid is the payer of last resort. If you have both, your providers must bill TRICARE first.

## Sources * Humana Military (TRICARE East Regional Contractor): [humanamilitary.com](https://www.humanamilitary.com/) * TRICARE.mil Official Site: [tricare.mil](https://www.tricare.mil/) * Winn Army Community Hospital (Fort Stewart): [winn.tricare.mil](https://winn.tricare.mil/) * Defense Enrollment Eligibility Reporting System (DEERS): [milconnect.dmdc.osd.mil](https://milconnect.dmdc.osd.mil/)

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*Disclaimer: TRICARE.com is an independent reference website and is not an official program of the Department of Defense or the Defense Health Agency. For official policy and the most up-to-date rate information, visit TRICARE.mil.*