TRICARE Tennessee: Arnold AFB & East Region Guide | TRICARE.com

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## TRICARE in Tennessee Tennessee is part of the **TRICARE East Region**. Under the current T-5 contract, the regional contractor for Tennessee is **Humana Military**. Beneficiaries in the state, particularly those near Arnold Air Force Base, utilize the Humana Military network for civilian healthcare services and referrals.

## Major military installations Tennessee is home to several critical military facilities, with a heavy concentration of activity in the Middle and West Tennessee regions:

* **Arnold Air Force Base (AFB):** Near Tullahoma/Manchester (Air Force Materiel Command). * **Fort Campbell:** Located on the Tennessee-Kentucky border near Clarksville (Army - 101st Airborne Division). * **Naval Support Activity Mid-South:** Millington (Navy). * **Holston Army Ammunition Plant:** Kingsport (Army). * **Milan Army Ammunition Plant:** Milan (Army). * **Berry Field Air National Guard Base:** Nashville (Air Force). * **McGhee Tyson Air National Guard Base:** Knoxville (Air Force).

## Plans available in Tennessee Beneficiaries in Tennessee have access to the full suite of TRICARE programs. Eligibility depends on your military status (active duty, retiree, National Guard/Reserve).

| Plan | Best For | Notable for 2026 | | :--- | :--- | :--- | | **TRICARE Prime** | Active duty and their families near bases like Arnold AFB or Fort Campbell. | Primary care is assigned at a Military Medical Treatment Facility (MTF) or a network provider. | | **TRICARE Select** | Those who want to choose their own doctors without referrals. | Deductibles and varying copays apply for 2026. | | **TRICARE Reserve Select** | Qualified Selected Reserve members. | Monthly premiums apply; check Humana Military for 2026 rates. | | **TRICARE Retired Reserve** | Retired Reserve members under age 60. | Higher monthly premiums than TRS. | | **TRICARE For Life** | Retirees with Medicare Part A and B. | Secondary payer to Medicare. | | **TRICARE Young Adult** | Unmarried adult children age 21–25. | Available in Prime or Select formats. |

*Note: The US Family Health Plan (USFHP) is generally not available in Tennessee, as it is restricted to specific geographic areas in the Northeast, Northwest, and Gulf Coast.*

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

* **Network Providers:** Using network providers minimizes out-of-pocket costs and eliminates the need for you to file your own claims. In the Tullahoma and Manchester area surrounding Arnold AFB, many local providers are in-network. * **Non-Network Providers:** While you can see non-network providers under TRICARE Select, your costs will be higher. * **Telehealth:** Humana Military offers robust telehealth options for Tennessee residents, including mental health services through platforms like Doctor on Demand and Telemynd. * **Arnold AFB Clinic:** Active duty members stationed at Arnold AFB typically receive primary care at the 7th Medical Group (Arnold AFB Clinic), though certain specialty care may be referred to network providers in Murfreesboro, Nashville, or Huntsville, AL.

Common questions for Tennessee beneficiaries

**How do I handle a PCS move to Arnold AFB?** When relocating to Tennessee, do not cancel your TRICARE coverage. Once you have arrived and updated your address in DEERS, call Humana Military to switch your enrollment to the East Region. If you are Prime-eligible, you will be assigned a new Primary Care Manager (PCM) in the Tullahoma/Manchester area.

**Can I use TRICARE with TennCare (Tennessee Medicaid)?** Yes. By law, TRICARE pays before TennCare. If you have both, TRICARE is the primary payer and TennCare is the payer of last resort. Ensure both programs have your current information to coordinate benefits correctly.

**Where do I fill prescriptions near Arnold AFB?** You can use the Arnold AFB clinic pharmacy for most medications at $0 copay. For maintenance medications, **Express Scripts** Home Delivery is the preferred method for retirees and families. You also have access to thousands of retail network pharmacies across Tennessee, including major chains like Walgreens and CVS.

## Sources * [Humana Military (TRICARE East Contractor)](https://www.humanamilitary.com/) * [TRICARE.mil - Tennessee Plan Finder](https://www.tricare.mil/Plans/Eligibility) * [Arnold AFB Official Website](https://www.arnold.af.mil/) * [Express Scripts TRICARE Pharmacy](https://militaryrx.express-scripts.com/)