TRICARE Missouri: Fort Leonard Wood & East Region Guide | TRICARE.com

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## TRICARE in Missouri Missouri is part of the **TRICARE East Region**. Comprehensive health care coverage for Missouri beneficiaries is managed by **Humana Military**, the regional contractor. While the state is home to major military hubs like Fort Leonard Wood, coverage varies based on whether you live in a Prime Service Area (PSA) or a more rural part of the state.

## Major military installations Missouri hosts significant military populations, particularly in the central and western parts of the state:

* **Fort Leonard Wood:** A major Army installation located in the Ozarks (St. Robert/Waynesville), home to the Maneuver Support Center of Excellence. * **Whiteman Air Force Base:** Located near Knob Noster, this is the home of the B-2 Spirit stealth bomber. * **Rosecrans Air National Guard Base:** Located in St. Joseph. * **Lambert-St. Louis Air National Guard Station:** Located in St. Louis.

## Plans available in Missouri Most Missouri residents have access to the following TRICARE plans, depending on their military status and location:

| Plan | Best For | | :--- | :--- | | **TRICARE Prime** | Active duty and their families near Fort Leonard Wood or Whiteman AFB (Managed care). | | **TRICARE Select** | Those who want to choose their own providers and don't mind higher out-of-pocket costs. | | **TRICARE Reserve Select** | Qualified National Guard and Reserve members. | | **TRICARE Retired Reserve** | Retired Guard/Reserve members under age 60. | | **TRICARE For Life** | Retirees with Medicare Part A and B (secondary payer to Medicare). | | **TRICARE Young Adult** | Adult children up to age 26 who are not otherwise eligible for their own employer insurance. |

**Note on US Family Health Plan (USFHP):** Missouri does not currently fall within a USFHP service area.

## Finding care in Missouri For beneficiaries near **Fort Leonard Wood**, the primary point of care is usually the **General Leonard Wood Army Community Hospital (GLWACH)**. If you are enrolled in TRICARE Prime and need care that GLWACH cannot provide, you will be referred to a network provider in the surrounding area or in larger hubs like Springfield or St. Louis.

* **Provider Directory:** Use the Humana Military East Region provider search tool to find doctors, specialists, and urgent care centers in Missouri. * **Network vs. Non-Network:** In Missouri cities like Kansas City or St. Louis, you will find a large network. In rural areas, you may need to use non-network providers, which typically results in higher point-of-service charges for TRICARE Select users. * **Telehealth:** Humana Military offers robust telehealth options for Missouri residents, which is especially useful for those living in the rural northern or southern portions of the state.

Common questions for Missouri beneficiaries

**I am PCSing to Fort Leonard Wood. When should I update my enrollment?** You should update your address in DEERS as soon as you arrive. Because Missouri is in the East Region, if you are moving from a West Region state (like Kansas), you must coordinate the region transfer with Humana Military to ensure your Prime enrollment remains active.

**Does Missouri Medicaid (MO HealthNet) work with TRICARE?** Yes. TRICARE is always the primary payer to Medicaid. If you have both, your providers should bill TRICARE first.

**Can I see a civilian doctor in St. Robert?** If you are on TRICARE Prime and assigned to GLWACH, you generally need a referral to see a civilian doctor. If you are on TRICARE Select, you can see any TRICARE-authorized civilian provider, though your costs will be lower if they are in the Humana Military network.

## Sources * Humana Military (TRICARE East Contractor): [humanamilitary.com](https://www.humanamilitary.com/) * TRICARE.mil Missouri Coverage: [tricare.mil](https://www.tricare.mil/) * General Leonard Wood Army Community Hospital: [leonard-wood.tricare.mil](https://leonard-wood.tricare.mil/) * Express Scripts Pharmacy: [militaryrx.express-scripts.com](https://militaryrx.express-scripts.com/)