TRICARE Illinois: Scott AFB & East Region 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**. Please note that TRICARE.com is an independent reference site and is not a government agency; visit [TRICARE.mil](https://www.tricare.mil) for official policy and real-time enrollment data.

Major military installations

While Illinois has several reserve and National Guard facilities, the primary active-duty hub is located in the Metro East area:

* **Scott Air Force Base (AFB):** Air Force - St. Clair County (near Belleville/O'Fallon). * **Naval Station Great Lakes:** Navy - North Chicago (Lake County). * **Rock Island Arsenal:** Army - Rock Island. * **Peoria Air National Guard Base:** Air National Guard - Peoria. * **Abraham Lincoln Capital Airport:** Air National Guard - Springfield.

Plans available in Illinois

Beneficiaries in Illinois have access to the full suite of TRICARE programs. Eligibility is generally based on beneficiary category (Active Duty, Retiree, Guard/Reserve) and geographic location relative to a Military Treatment Facility (MTF).

| Plan | Best For | | :--- | :--- | | **TRICARE Prime** | Active duty and families near Scott AFB or Naval Station Great Lakes. Mandatory for active duty. | | **TRICARE Select** | Those who prefer any network provider without needing a referral; uses a PPO model. | | **TRICARE Reserve Select (TRS)** | Qualified members of the Selected Reserve and their families. | | **TRICARE Retired Reserve (TRR)** | Retired Reserve members under age 60. | | **TRICARE For Life (TFL)** | Retirees and family members who are Medicare-eligible (A and B). | | **TRICARE Young Adult (TYA)** | Adult children (21-25) who have aged out of regular TRICARE coverage. |

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

Finding care in Illinois

Beneficiaries at **Scott Air Force Base** are primarily served by the **375th Medical Group**. This facility offers family medicine, pediatrics, and various specialty clinics. If the 375th Medical Group cannot provide specific care, you will be referred to a network provider in the St. Louis/Metro East area.

* **Provider Directory:** To find civilian doctors in Chicago, Rock Island, or the Metro East area, use the [Humana Military East Region Provider Directory](https://www.humanamilitary.com). * **Network vs. Non-Network:** Using a "Network" provider keeps your out-of-pocket costs lower. In 2026, TRICARE Select beneficiaries pay significantly higher copays when seeing non-network "Authorized" providers. * **Telehealth:** Illinois residents have access to Doctor On Demand and Telemynd for behavioral health and urgent care needs. Most telehealth visits for TRICARE Prime require a referral from your Primary Care Manager (PCM) unless the visit is for mental health.

Common questions for Illinois beneficiaries

### How do I switch care when PCSing to Scott AFB? When moving to Scott AFB, do not disenroll from your current region until you arrive. Once you are in Illinois, contact Humana Military to update your address in DEERS and request a PCM at the 375th Medical Group or a local civilian network provider if the base is at capacity.

### Can I use TRICARE at Illinois civilian hospitals? Yes. Major systems like Barnes-Jewish/BJC (near Scott AFB), Northwestern Medicine (Chicago), and Advocate Health often participate in the Humana Military network. Always verify a specific doctor's network status before your appointment to avoid unexpected 2026 cost-sharing fees.

### Does TRICARE work with Illinois Medicaid? If you are eligible for both TRICARE and Illinois Medicaid (All Kids or FamilyCare), TRICARE is always the primary payer. Medicaid is the payer of last resort.

## Sources 1. [TRICARE East Region - Humana Military](https://www.humanamilitary.com) 2. [375th Medical Group - Scott AFB Official Site](https://scott.tricare.mil/) 3. [TRICARE Plan Finder](https://www.tricare.mil/Plans/PlanFinder) 4. [Defense Health Agency - T-5 Contract Information](https://www.health.mil)