TRICARE Illinois: Plans, Providers, and Regional Guide | TRICARE.com

TRICARE in Illinois

Illinois is part of the **TRICARE East Region**. Comprehensive health care services for military members and their families in Illinois are managed by the regional contractor, **Humana Military**. While the TRICARE West Region transitioned to TriWest Healthcare Alliance on January 1, 2025, Illinois remains firmly in the East Region under Humana Military’s oversight.

*Note: TRICARE.com is an independent reference site and is not the official TRICARE program or a government agency. For official policy and enrollment, visit [TRICARE.mil](https://www.tricare.mil).*

Major military installations

Illinois is home to several critical military installations across different branches, primarily concentrated in the northern and central parts of the state:

* **Scott Air Force Base (AFB):** Located in St. Clair County near Belleville; headquarters for U.S. Transportation Command. * **Naval Station Great Lakes:** Located in North Chicago; it is the U.S. Navy's only boot camp. * **Rock Island Arsenal:** An Army installation located on the Mississippi River in Rock Island. * **182nd Airlift Wing (Air National Guard):** Located in Peoria. * **126th Air Refueling Wing (Air National Guard):** Located at Scott AFB.

Plans available in Illinois

Beneficiaries in Illinois have access to the following TRICARE plans based on their eligibility status:

| Plan | Eligibility | Notes | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty, Retirees | Managed care with a Primary Care Manager (PCM). Available in Prime Service Areas (PSAs). | | **TRICARE Select** | Active Duty Families, Retirees | PPO-style plan offering more flexibility in choosing providers. | | **TRICARE Reserve Select (TRS)** | Qualified Selected Reserve | Premium-based plan for Guard/Reserve members. | | **TRICARE Retired Reserve (TRR)** | Qualified Retired Reserve | Premium-based plan for gray-area retirees. | | **TRICARE For Life (TFL)** | Medicare-eligible retirees | Wraparound coverage for those with Medicare Part A and B. | | **TRICARE Young Adult (TYA)** | Adult children under 26 | Available in Prime or Select formats for those who aged out of standard coverage. |

*Note: The US Family Health Plan (USFHP) is **not** available in Illinois.*

Finding care in Illinois

Because Illinois is in the East Region, beneficiaries should use the **Humana Military Provider Directory** to find network doctors, hospitals, and specialists.

* **Network vs. Non-Network:** Using network providers results in lower out-of-pocket costs and no need to file your own claims. In areas like Chicago or near Scott AFB, the network is robust. In rural Southern Illinois, you may need to use non-network providers; ensure they are "TRICARE-authorized" to receive any reimbursement. * **Direct Care:** Beneficiaries near North Chicago may receive care at the **Captain James A. Lovell Federal Health Care Center**, the nation’s first integrated Department of Veterans Affairs and Department of Defense center. * **Telehealth:** Humana Military offers a range of telehealth options for Illinois residents, which is particularly useful for behavioral health services in downstate areas. Contact Humana Military to verify if a specific telehealth platform is covered under 2026 rates.

Common questions for Illinois beneficiaries

**What happens if I am moving (PCS) from Illinois to a West Region state?** Since Illinois is in the East Region, if you move to a state like Missouri or Iowa (West Region), you will transition from Humana Military to TriWest Healthcare Alliance. You must update your address in DEERS and contact TriWest to transfer your enrollment.

**Can I use TRICARE with Illinois Medicaid?** Yes. By law, TRICARE pays secondary to most other insurance plans, including Illinois Medicaid. Medicaid is the payer of last resort.

**Is there a Military Treatment Facility (MTF) in Chicago?** While there are no active-duty base hospitals in the city center, the Captain James A. Lovell Federal Health Care Center in North Chicago serves as the primary MTF for the region.

## Sources * TRICARE East Region - Humana Military: [https://www.humanamilitary.com/](https://www.humanamilitary.com/) * TRICARE Plans Overview: [https://www.tricare.mil/Plans/HealthPlans](https://www.tricare.mil/Plans/HealthPlans) * Captain James A. Lovell Federal Health Care Center: [https://www.lovell.fhcc.va.gov/](https://www.lovell.fhcc.va.gov/) * Defense Health Agency (DHA): [https://health.mil/](https://health.mil/)