TRICARE Tennessee: Plans, Providers, and Regional Info | TRICARE.com

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## TRICARE in Tennessee Tennessee is part of the **TRICARE East Region**. Comprehensive health care services for military members and their families in the state are managed by **Humana Military**, the current regional contractor. While Tennessee is home to a massive Army presence and multiple National Guard units, residents have access to a robust network of civilian providers across the state's major metropolitan areas like Nashville, Memphis, and Knoxville.

## Major military installations Tennessee hosts several key military facilities, most notably one of the largest Army installations in the world which spans the border with Kentucky.

* **Fort Campbell:** Army (Clarksville, TN / Hopkinsville, KY) * **Naval Support Activity Mid-South:** Navy (Millington) * **Arnold Air Force Base:** Air Force (Tullahoma) * **McGhee Tyson Air National Guard Base:** Air National Guard (Knoxville) * **Berry Field Air National Guard Base:** Air National Guard (Nashville) * **Holston Army Ammunition Plant:** Army (Kingsport)

## Plans available in Tennessee Beneficiaries in Tennessee can choose from several plans depending on their service status and location within the state.

| Plan Name | Eligibility | Best For | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty, Retirees | Low out-of-pocket costs; managed care by a Primary Care Manager (PCM). | | **TRICARE Select** | Active Duty Families, Retirees | Maximum flexibility to choose any TRICARE-authorized provider without a referral. | | **TRICARE Reserve Select (TRS)** | Selected Reserve | Low-cost premium-based plan for qualified Reservists and National Guard members. | | **TRICARE Retired Reserve (TRR)** | Retired Reserve | For "gray area" retirees under age 60. | | **TRICARE For Life (TFL)** | Medicare-eligible | Wraparound coverage for those with Medicare Part A and B. | | **TRICARE Young Adult** | Qualified Adult Children | For adult children up to age 26 who have aged out of regular TRICARE. |

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

## Finding care in Tennessee To find a doctor, specialist, or hospital, Tennessee beneficiaries should use the **Humana Military Provider Directory**.

* **Network vs. Non-Network:** In Tennessee's urban centers, there is a high density of "Network" providers who have agreed to TRICARE's payment rates and handle all claims paperwork. If you live in more rural parts of Middle or East Tennessee, you may need to see a "Non-Network" provider; while these providers are TRICARE-authorized, you may pay higher cost-shares and may need to file your own claims. * **Telehealth:** TRICARE covers secure video conferencing for many services in Tennessee. This is particularly useful for beneficiaries living far from Fort Campbell or Millington who require behavioral health services. * **Pharmacy:** Express Scripts manages the pharmacy benefit. Beneficiaries can use the MTF pharmacies at Fort Campbell/NSA Mid-South, local retail network pharmacies (like Walgreens or CVS), or the Home Delivery program.

Common questions for Tennessee beneficiaries

**I am moving to Fort Campbell (PCS). How do I switch my coverage?** Since Fort Campbell sits on the TN/KY line, you will remain in the East Region (Humana Military). You must update your address in DEERS first, then you can transfer your Prime enrollment via the Humana Military web portal or by calling them directly.

**Does TRICARE work with TennCare (Tennessee Medicaid)?** Yes, but TRICARE is always the primary payer. If you are eligible for both, TennCare acts as the payer of last resort. You must inform your providers and both insurance programs that you have dual coverage to ensure proper billing.

**Can I use Vanderbilt University Medical Center with TRICARE?** Vanderbilt is generally a TRICARE-authorized provider and often participates in the network. However, Prime beneficiaries usually require a referral from their PCM or Humana Military to see specialists at large academic medical centers like Vanderbilt.

## Sources * **TRICARE East Region Contractor:** [Humana Military](https://www.humanamilitary.com/) * **Official TRICARE Plan Information:** [TRICARE.mil Plans](https://www.tricare.mil/Plans) * **Fort Campbell Official Site:** [home.army.mil/campbell](https://home.army.mil/campbell/) * **Pharmacy Benefits:** [Express Scripts - TRICARE](https://www.express-scripts.com/tricare)