TRICARE Kentucky: Fort Campbell & East Region Guide | TRICARE.com

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## TRICARE in Kentucky Kentucky is located in the **TRICARE East Region**. Comprehensive health coverage for military members in the Commonwealth is managed by the regional contractor, **Humana Military**. Because Kentucky is home to major training and operational hubs, the state features a robust network of civilian providers that supplement the care provided at Military Treatment Facilities (MTFs) like Blanchfield Army Community Hospital.

## Major military installations Kentucky hosts some of the Army's most critical installations, primarily concentrated in the central and western portions of the state:

* **Fort Campbell:** Army (Hopkinsville/Clarksville border) - Home to the 101st Airborne Division. * **Fort Knox:** Army (Radcliff/Louisville area) - Home to Army Human Resources Command and Cadet Command. * **Blue Grass Army Depot:** Army (Richmond). * **Kentucky Air National Guard Base:** Air Force (Louisville). * **Boone National Guard Center:** Army/Air Force (Frankfort).

## Plans available in Kentucky Regardless of whether you are stationed at Fort Campbell or living in a rural county, several TRICARE plans are available based on your status:

| Plan | Best For | | :--- | :--- | | **TRICARE Prime** | Active duty members and families near Fort Campbell or Fort Knox (MTF-centered care). | | **TRICARE Select** | Those who want to choose their own civilian doctors; requires an annual deductible and copays (2026 rates apply). | | **TRICARE Reserve Select** | National Guard and Reserve members (Kentucky NG) and their families. | | **TRICARE Retired Reserve** | Retired Guard/Reserve members under age 60. | | **TRICARE For Life** | Retirees with Medicare Part A and B; acts as secondary payer to Medicare. | | **TRICARE Young Adult** | Unmarried children (ages 21–26) of eligible sponsors. |

*Note: The US Family Health Plan (USFHP) is generally NOT available in Kentucky as the state falls outside the designated USFHP service areas.*

## Finding care in Kentucky At **Fort Campbell**, most Prime enrollees are assigned to **Blanchfield Army Community Hospital (BACH)**. If you are using TRICARE Select or are a Prime dependent authorized to see a civilian provider, you must use the Humana Military East Region provider directory.

* **Network vs. Non-Network:** In the Louisville, Lexington, and Hopkinsville areas, thousands of doctors are in the Humana Military network. Using a "Network" provider keeps your out-of-pocket costs lower. * **Telehealth:** Humana Military offers robust telehealth options for Kentucky residents. Behavioral health is a common use for telehealth in rural Kentucky areas where specialists may be limited. * **Pharmacy:** While MTF pharmacies at Fort Knox and Fort Campbell offer $0 copays, civilian prescriptions are managed by **Express Scripts** at retail pharmacies or via home delivery.

Common questions for Kentucky beneficiaries

**I am PCSing to Fort Campbell. When should I switch my enrollment?** Do not switch your enrollment until you have physically moved to Kentucky. Once you arrive, update your address in DEERS and contact Humana Military to transfer your Prime enrollment to the East Region.

**What happens if I live in Kentucky but work at Fort Campbell (which sits on the TN border)?** TRICARE coverage is based on your residence and assignment. Since both Kentucky and Tennessee are in the East Region, your contractor (Humana Military) remains the same. You will likely utilize Blanchfield Army Community Hospital for primary care, even if you live in a Kentucky town like Oak Grove or Hopkinsville.

**Can I use the University of Kentucky (UK) Healthcare system?** Yes, UK Healthcare and University of Louisville (UofL) Health are typically part of the TRICARE network. However, if you are on TRICARE Prime, you generally need a referral from your Primary Care Manager (PCM) to see a specialist at these facilities.

## Sources * **TRICARE East Region Contractor (Humana Military):** [humanamilitary.com](https://www.humanamilitary.com/) * **Official TRICARE Plan Finder:** [tricare.mil/Plans/PlanFinder](https://www.tricare.mil/Plans/PlanFinder) * **Blanchfield Army Community Hospital:** [blanchfield.tricare.mil](https://blanchfield.tricare.mil/) * **Defense Health Agency (DHA):** [health.mil](https://health.mil)