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The day your 'Trainee' leaves for MEPS he or she is covered by Tri Care. Many will ask when should I take them off the insurance. Since there are many factors to this please consider the following.

  • There may be unforeseen circumstances that may happen which will cause separation from service and then you'll have the difficulty of getting them back on to your insurance if at all possible.
  • You may need conformation that they are covered in order to be taken off of your insurance. You can take a copy of their reporting orders.
  • Many will wait until they are completed with BMT and or Tech. before taking them off of the family insurance. Again, you'll need to verify with your insurance company for the policy on this.

Tricare is the primary provider for healthcare insurance for Active Duty military members. Active Duty Personnel are covered through TriCare the day they ship out to Basic Military Training (BMT). Therefore they may NOT have or use any other insurance other than TriCare. For those that are covered through their parent's insurance, the parent needs to notify their insurance company of this life changing situation. Those insurance companies needing verification may use Military Verification for Active Duty

Dependents of Active Duty Personnel are allowed to have have more than one insurance, in which case TriCare would be the secondary or last used/billed insurance.

Tricare is broken down by regions, including if you and your family are stationed overseas. Following are the regions with links to the appropriate offices.


Health Net Federal Services, LLC

To find a service center near you:

Customer Service



States in this region:

  • Connecticut
  • Delaware
  • the District of Columbia
  • Illinois
  • Indiana
  • Iowa (Rock Island area - the remainder of Iowa is covered by the West Region)
  • Kentucky (except Fort Campbell, which is covered under the South Region)
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Missouri (St. Louis Area - the remainder of Missouri is covered by the West Region)
  • New Hampshire
  • New Jersey
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • Rhode Island
  • Vermont
  • Virginia
  • West Virginia
  • Wisconsin


Humana Military

To find a service center near you:

Customer Service


States in this region:

  • Alabama
  • Arkansas
  • Florida
  • Georgia
  • Louisiana
  • Mississippi
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas (excluding the El Paso area- El Paso and other parts of Texas are covered by the West Region)
  • Fort Campbell, Kentucky


United Health Care West

To find a service center near you:

Customer Service



States in this region:

  • Alaska
  • Arizona
  • California
  • Colorado
  • Hawaii
  • Idaho
  • Iowa (excluding Rock Island Arsenal area)
  • Kansas
  • Minnesota
  • Missouri (except the St. Louis area)
  • Montana
  • Nebraska
  • Nevada
  • New Mexico
  • North Dakota
  • Oregon
  • South Dakota
  • Texas (the southwestern corner, including El Paso)
  • Utah
  • Washington
  • Wyoming


Overseas assignments are broken down further into three groups. Please contact the Tricare Service Center for your overseas area:


Countries in this region:

  • Bahrain
  • Brussels
  • Germany
  • Greece
  • Italy
  • Portugal
  • Spain
  • Turkey
  • United Kingdom


Countries/TSCs in this region:

  • US Naval Hospital Guantanamo Bay
  • Rodriguez Army Health Clinic, Puerto Rico
  • Ramey Clinic, Borinquen, Puerto Rico
  • U.S. Coast Guard Base, San Juan, Puerto Rico

There are NOT TSCs in Canada, Central or South America, or the Virgin Islands. For assistance in these locations, contact International SOS,



Countries in this region:

  • Japan
  • Korea
  • Guam


As of 1 April 2013 United Health Care Insurance will now be the primary insurance for the Western Region of the US. This provider is adding convenience care clinics, urgent care centers, the United Health Care Premium program network, centers of excellence, and telemedicine. It's important that referrals need to be updated as TRICARE is only being honored for current pregnancy up until birth. Another change is that you must live within 40 miles of a military base/MTF to enroll in this new program. If you do not use a MTF, (Military Treatment Facility) or one of their new network providers then you will have to pay up-front and seek reimbursement later. Carry a special envelope or binder to put in all your receipts.



Big changes are coming to Tricare effective 1 Oct 2013 (the first day of the Federal Government's Fiscal Year). One of the biggest changes is they are changing the boundaries of their Tricare Prime Service Areas (PSAs). While the changes being made to the PSAs affect retirees and their families more so than Active Duty members and their dependents, they CAN affect Active Duty Members, National Reservists and Guard members.

To have it explained more fully, you can read through any of these links:

General run down on the changes -

Is your area being affected? Find out here -

*the above information was compiled by Nancy M Dickenson

  • For those that are married and your spouse is at BMT, please keep track of all expenses along with medical records, and I like to suggest that you get a card/name of the office person/Dr that you saw. Records will be need for reimbursement. It can take about 30 days to get the medical card, however you are covered from the day they leave for BMT.

Dental: Here is the official TRICARE page for dental:

Are you expecting? If so and you have not yet received your TriCare packet. Please retain ALL receipts! In most cases if not all, you'll be reimbursed.

Dental Tricare Cost Co-Pay Schedule: 

  **Official information can be viewed & printed by clicking on the official links.
*All other information is considered ©AirForceMOMSBMT for personal use only not to be used in part or whole for or by any other group without explicit written consent from Lorraine Silva