TRICARE Kentucky: Plans, Providers, and Military Bases | TRICARE.com

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## TRICARE in Kentucky Kentucky is located entirely within the **TRICARE East Region**. Comprehensive health care services are managed by the regional contractor, **Humana Military**, which oversees the provider network, referrals, and claims processing for the Bluegrass State. Kentucky beneficiaries rely heavily on a mix of large military treatment facilities (MTFs) and an extensive network of civilian providers in major hubs like Louisville, Lexington, and the Fort Campbell area.

## Major military installations Kentucky is home to several high-profile installations that serve as the primary hubs for military medicine for thousands of families.

* **Fort Campbell (Army):** Located on the Kentucky-Tennessee border near Hopkinsville/Clarksville; home to the 101st Airborne Division and Blanchfield Army Community Hospital. * **Fort Knox (Army):** Located near Radcliff and Elizabethtown; home to the Human Resources Command and Ireland Army Health Clinic. * **Blue Grass Army Depot (Army):** Located in Richmond. * **Kentucky Air National Guard Base (Air Force):** Located at Louisville Muhammad Ali International Airport.

## Plans available in Kentucky While the coverage is standardized nationwide, administrative management in Kentucky is handled through the East Region.

| Plan Type | Eligibility/Description | | :--- | :--- | | **TRICARE Prime** | Managed care option; primary care usually at MTFs like Blanchfield (Ft. Campbell) or Ireland (Ft. Knox). | | **TRICARE Select** | PPO-style plan allowing you to see any network or non-network provider without a referral. | | **TRICARE Reserve Select** | Premium-based plan for qualified members of the Selected Reserve. | | **TRICARE Retired Reserve** | Premium-based plan for retired National Guard and Reserve members under age 60. | | **TRICARE For Life** | Medicare-wraparound coverage for retirees age 65+ (must have Medicare Part A & B). | | **TRICARE Young Adult** | Option for adult children ages 21–25 who are not otherwise eligible for their own employer coverage. |

*Note: The US Family Health Plan (USFHP) is NOT currently available in the state of Kentucky.*

## Finding care in Kentucky Because Kentucky is in the East Region, beneficiaries must use the **Humana Military Provider Directory** to locate network doctors, specialists, and behavioral health providers.

* **Network vs. Non-Network:** In cities like Louisville and Lexington, the Humana Military network is robust. Using a network provider ensures lower out-of-pocket costs and no requirement to file your own claims. * **Telehealth:** Humana Military offers standardized telehealth options for Kentucky residents. This is particularly useful for those living in rural areas of Eastern Kentucky far from Fort Knox or Fort Campbell. * **Pharmacy:** While many utilize MTF pharmacies at Fort Campbell or Fort Knox for $0 copays, Kentucky residents can also use the **Express Scripts** network of retail pharmacies (such as Walgreens or CVS) or utilize the Home Delivery service.

Common questions for Kentucky beneficiaries

**I am PCSing to Fort Campbell. Which region am I in?** Fort Campbell straddles the Kentucky and Tennessee border. Both states fall under the **TRICARE East Region** managed by Humana Military. You do not need to change regions when moving to Fort Campbell from another East Region state, but you must update your address in DEERS and primary care manager (PCM) through Humana Military.

**Can I use TRICARE at the University of Kentucky (UK) Healthcare system?** Yes, UK Healthcare and many University of Louisville (UofL) Health providers participate in the TRICARE network. Always verify current participation status via the Humana Military directory before booking an appointment to ensure you pay the lowest "network" rate.

**How does TRICARE work with Kentucky Medicaid?** By law, TRICARE is the secondary payer to most other health insurance plans, but it is the primary payer to Medicaid. If you are eligible for both, TRICARE pays first and Kentucky Medicaid is the payer of last resort.

## Sources 1. **Humana Military (East Region Contractor):** [humanamilitary.com](https://www.humanamilitary.com) 2. **Blanchfield Army Community Hospital (Fort Campbell):** [blanchfield.tricare.mil](https://blanchfield.tricare.mil) 3. **Ireland Army Health Clinic (Fort Knox):** [ireland.tricare.mil](https://ireland.tricare.mil) 4. **Official TRICARE Plan Finder:** [tricare.mil/Plans/Eligibility](https://www.tricare.mil/Plans/Eligibility)