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

The short answer is that **Indiana is part of the TRICARE East Region**. This means all TRICARE managed care services in the state are administered by **Humana Military**. Whether you are stationed at Grissom Air Reserve Base or living in Indianapolis, your benefits are governed by East Region rules and provider networks.

*Note: TRICARE.com is an independent reference site and is not an official government entity. For official policy and enrollment, visit TRICARE.mil.*

## TRICARE in Indiana Indiana is situated entirely within the **TRICARE East Region**. Under the current T-5 contract, **Humana Military** serves as the regional contractor responsible for managing the provider network, processing claims, and assisting with authorizations for Indiana beneficiaries. Because Indiana lacks a large active-duty "Mega-Base," many residents utilize a mix of network civilian providers and military clinics at Reserve and National Guard installations.

## Major military installations While Indiana does not host a massive active-duty Army or Navy installation, it is home to several critical Air Reserve and National Guard hubs:

* **Grissom Air Reserve Base** (Air Force Reserve) – Kokomo/Peru area. * **Camp Atterbury** (Army National Guard) – Edinburgh. * **Muscatatuck Urban Training Center** (Army National Guard) – Butlerville. * **Naval Surface Warfare Center (NSWC) Crane Division** (Navy) – Crane. * **122nd Fighter Wing** (Air National Guard) – Fort Wayne. * **181st Intelligence Wing** (Air National Guard) – Terre Haute.

## Plans available in Indiana Indiana residents have access to several TRICARE dental and health plan options depending on their military status (Active Duty, Guard/Reserve, or Retiree).

| Plan | Best For | Enrollment Type | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty & families near military bases | Managed Care (HMO style) | | **TRICARE Select** | Those who want to choose their own doctors | PPO style; No referrals needed | | **TRICARE Reserve Select (TRS)** | Qualified National Guard & Reserve members | Premium-based health plan | | **TRICARE Retired Reserve (TRR)** | Retired Guard/Reserve under age 60 | Premium-based health plan | | **TRICARE For Life (TFL)** | Retirees with Medicare Part A & B | Wraparound coverage for Medicare | | **TRICARE Young Adult** | Adult children (18-26) not otherwise eligible | Available in Prime or Select options |

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

## Finding care in Indiana To find a doctor in Indiana, you must use the **Humana Military East Region Provider Directory**.

* **Network vs. Non-Network:** In cities like Indianapolis, Fort Wayne, and Evansville, there is a robust network of TRICARE-authorized providers. Using a "Network" provider keeps your out-of-pocket costs lower. If you use a non-network provider, you may face higher deductibles and cost-shares (2026 rates vary by plan—refer to the TRICARE.mil cost tool). * **Military Treatment Facilities (MTFs):** Many Indiana beneficiaries receive primary care through civilian providers, but those near Grissom ARB or Crane may have limited access to on-base clinics. * **Telehealth:** Indiana allows for broad telehealth services. Humana Military partners with Doctor On Demand for urgent care and mental health visits that do not require a referral for TRICARE Select patients.

Common questions for Indiana beneficiaries

**What happens if I move from Indiana to a West Region state?** Since Indiana is in the East (Humana Military), moving to a West Region state (like Illinois or Iowa) means switching your contractor to **TriWest Healthcare Alliance**. You must update your address in DEERS and contact TriWest to transfer your enrollment to avoid a coverage gap.

**How does TRICARE work with Indiana Medicaid?** TRICARE is always the primary payer to Medicaid. If you are a low-income veteran or family member in Indiana receiving Medicaid (Healthy Indiana Plan), TRICARE must pay its share of the claim first before Medicaid covers the remaining balance.

**Are there specialized military clinics in Indianapolis?** While there is no major active-duty hospital in Indianapolis, the **Richard L. Roudebush VA Medical Center** serves veterans. However, most TRICARE Prime and Select dependents in the Indy metro area utilize the civilian network, including systems like IU Health and Community Health Network.

## Sources * **TRICARE East Region Contractor:** [Humana Military](https://www.humanamilitary.com/) * **Official TRICARE Plan Finder:** [TRICARE.mil/Plans](https://www.tricare.mil/Plans) * **Defense Regional Office - East:** [TRICARE.mil/About/Regions/East](https://www.tricare.mil/About/Regions/East) * **DEERS Official Site:** [milConnect](https://milconnect.dmdc.osd.mil/)