TRICARE Oklahoma: Altus AFB & East Region Guide | TRICARE.com

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## TRICARE in Oklahoma Oklahoma is part of the **TRICARE East Region**. Under the current T-5 contract, the regional contractor providing administrative services and provider networks for Oklahoma is **Humana Military**. Beneficiaries living near Altus Air Force Base or other Oklahoma installations fall under the East Region’s jurisdiction for all enrollment and claims processing.

## Major military installations in Oklahoma Oklahoma is home to several major Air Force and Army installations, each supported by a Military Treatment Facility (MTF):

* **Altus Air Force Base (AFB):** Altus (Jackson County) - Home to the 97th Air Mobility Wing. * **Tinker Air Force Base:** Oklahoma City (Oklahoma County) - Major logistics hub and home to the 72nd Air Base Wing. * **Vance Air Force Base:** Enid (Garfield County) - Pilot training base for the Air Education and Training Command. * **Fort Sill:** Lawton (Comanche County) - Home to the United States Army Field Artillery School. * **McAlester Army Ammunition Plant:** McAlester (Pittsburg County).

## Plans available in Oklahoma Beneficiaries in Oklahoma can choose from several plans depending on their duty status and location. Near Altus AFB, most active-duty families utilize TRICARE Prime, while those in more rural areas or seeking greater flexibility choose Select.

| Plan Name | Eligibility | Resident Notes | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty, Retirees | Managed care via 97th Medical Group at Altus AFB. | | **TRICARE Select** | Active Duty families, Retirees | Freedom to see any network provider without a referral. | | **TRICARE Reserve Select** | National Guard/Reserve | Monthly premium-based plan for "drilling" members. | | **TRICARE Retired Reserve** | Retired Guard/Reserve | For gray-area retirees under age 60. | | **TRICARE For Life** | Medicare-eligible retirees | Wraparound coverage for those with Medicare Part A & B. | | **TRICARE Young Adult** | Unmarried children 21–25 | Available in Prime or Select formats. |

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

## Finding care in Oklahoma For beneficiaries near Altus, the primary point of care is the **97th Medical Group**. However, because Altus is located in a relatively rural part of Southwest Oklahoma, specialty care often requires a referral to network providers in Lawton or Oklahoma City.

* **Provider Directory:** Use the Humana Military East Region provider search tool to find "In-Network" providers. Choosing network providers ensures lower out-of-pocket 2026 cost-shares. * **Network vs. Non-Network:** In Oklahoma City and Lawton, there are robust networks. In rural areas, you may need to use non-network providers; however, you will pay higher point-of-service fees unless you have a specific waiver. * **Telehealth:** Humana Military offers telehealth services through Doctor On Demand for urgent care and mental health, which is a vital resource for Altus residents who may be hours away from a major medical center.

Common questions for Oklahoma beneficiaries

**I am PCSing to Altus AFB. When do I switch my enrollment?** You should not switch your enrollment until you have physically arrived in Oklahoma. Once you have a local address, visit the [milConnect](https://milconnect.dmdc.osd.mil/) portal or contact Humana Military to update your DEERS information and move your enrollment from your previous region to the East Region.

**What happens if I need specialty care not available at the 97th Medical Group?** Altus is a "Prime Service Area" (PSA). If the 97th Medical Group cannot provide the service, they will issue a referral through Humana Military. Most specialty referrals for Altus residents are sent to civilian specialists in Lawton or Oklahoma City.

**Does Oklahoma Medicaid (Soonercare) work with TRICARE?** Yes. TRICARE is always the primary payer to Medicaid. If you are eligible for both, you must show both ID cards to your provider. The provider will bill TRICARE first, and Medicaid will be the payer of last resort.

## Sources * **Humana Military (East Region Contractor):** [humanamilitary.com](https://www.humanamilitary.com/) * **Altus Air Force Base 97th Medical Group:** [altus.tricare.mil](https://altus.tricare.mil/) * **TRICARE Official Site:** [tricare.mil](https://www.tricare.mil/) * **Defense Health Agency - T-5 Contract Info:** [health.mil](https://health.mil/)