TRICARE Mississippi: Plans, Providers, and Base Info | TRICARE.com

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## TRICARE in Mississippi Mississippi is part of the **TRICARE East Region**. Comprehensive health coverage for Mississippi beneficiaries is managed by the regional contractor, **Humana Military**. Service members and families in the Magnolia State utilize the East Region’s provider network, which includes a mix of military treatment facilities (MTFs) and civilian healthcare providers.

## Major military installations Mississippi is home to several critical military installations across various branches. Most beneficiaries residing near these bases will receive primary care at an on-base Military Treatment Facility (MTF).

* **Keesler Air Force Base** – Biloxi (Host to the 81st Training Wing and a major Medical Center) * **Naval Air Station (NAS) Meridian** – Meridian * **Naval Construction Battalion Center (NCBC) Gulfport** – Gulfport * **Columbus Air Force Base** – Columbus * **Camp Shelby Joint Forces Training Center** – Hattiesburg (National Guard/Reserve) * **Camp McCain Training Center** – Grenada (National Guard/Reserve)

## Plans available in Mississippi Mississippi residents have access to the standard suite of TRICARE plans. Availability usually depends on your military status (Active Duty, Guard/Reserve, or Retiree) and your proximity to a base.

| Plan Name | Eligibility | Best For | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty & Families | Low out-of-pocket costs; care usually at MTFs like Keesler. | | **TRICARE Select** | All non-active duty | Maximum flexibility to choose any TRICARE-authorized provider. | | **TRICARE Reserve Select (TRS)** | Qualified Select Reserve | Premium-based plan for National Guard and Reserve members. | | **TRICARE Retired Reserve (TRR)** | Qualified Retired Reserve | Premium-based plan for "Gray Area" retirees under age 60. | | **TRICARE For Life** | Medicare-eligible retirees | Wraparound coverage for those with Medicare Part A and B. | | **TRICARE Young Adult** | Unmarried children (21–26) | For adult children who have aged out of regular TRICARE. |

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

## Finding care in Mississippi To find a doctor, specialist, or dentist in Mississippi, use the **Humana Military Provider Directory**. Because Mississippi is in the East Region, you must ensure your provider is "In-Network" to keep out-of-pocket costs at 2026 rates.

* **Network Providers:** These doctors have an agreement with Humana Military to accept TRICARE-negotiated rates. If you are in TRICARE Prime, you generally must see these providers after a referral from your Primary Care Manager (PCM). * **Non-Network Providers:** You may pay higher cost-shares and may have to file your own claims. * **Telehealth:** Humana Military offers robust telehealth options for Mississippi residents, including Doctor on Demand and other virtual urgent care services. This is particularly useful for beneficiaries in rural areas of the Delta or northern Mississippi who are far from an MTF. * **Pharmacy:** Prescriptions can be filled at MTF pharmacies (Keesler, Columbus, etc.) for a $0 copay, or via **Express Scripts** home delivery and retail network pharmacies.

Common questions for Mississippi beneficiaries

**I am PCSing to Keesler AFB. What should I do?** Do not cancel your current coverage before you move. Once you arrive in Mississippi, update your address in DEERS. You can then transfer your enrollment to the TRICARE East Region via the Humana Military portal or by calling their enrollment line.

**Can I use TRICARE and Mississippi Medicaid at the same time?** Yes. TRICARE is always the primary payer to Medicaid. If you are eligible for both, TRICARE will pay first, and Medicaid will act as the payer of last resort.

**How do I find a specialist in Jackson or Gulfport?** If you are on TRICARE Prime, your PCM must submit a referral to Humana Military. Once approved, you can use the Humana Military East Region provider search tool to find a specialist in major hubs like Jackson (UMMC) or the Gulf Coast.

## Sources 1. **Humana Military (East Region Contractor):** [humanamilitary.com](https://www.humanamilitary.com) 2. **TRICARE East Region Information:** [tricare.mil/East](https://tricare.mil/About/Regions/East) 3. **Keesler 81st Medical Group:** [keesler.tricare.mil](https://keesler.tricare.mil) 4. **Express Scripts Pharmacy:** [militaryrx.express-scripts.com](https://militaryrx.express-scripts.com)