TRICARE For Life Provider Phone Number: AK, WY, HI, UT, ID

TRICARE For Life Provider Phone Number: Contact and Hours in Alaska, Wyoming, Hawaii, Utah, and Idaho

The TRICARE For Life provider phone number is 1-866-773-0404. This connects you to Wisconsin Physicians Service (WPS), the TFL claims contractor. Customer service hours are Monday through Friday, 5 a.m. to 10 p.m. Central Time. The TDD line is 1-866-773-0405. All five states — Alaska, Wyoming, Hawaii, Utah, and Idaho — are in the TRICARE West Region, managed by TriWest Healthcare Alliance at 1-888-874-9378.

Quick Facts

What Is TRICARE For Life?

TRICARE For Life (TFL) is Medicare-wraparound coverage for uniformed services retirees and their family members who have Medicare Part A and Medicare Part B. TFL acts as a secondary payer to Medicare. Medicare pays first on your claims, and TFL pays the remaining covered costs, often leaving you with no out-of-pocket expenses for Medicare-covered services. This benefit eliminates most copayments and deductibles that Medicare alone would leave behind.

TFL is not a standalone health plan. You cannot enroll in TFL without Medicare. The coverage is automatic once you have both Medicare Part A and Part B and show as TRICARE-eligible in the Defense Enrollment Eligibility Reporting System (DEERS). There are no TFL enrollment fees. However, you must continue paying your Medicare Part B premium to maintain eligibility.

Who Qualifies for TRICARE For Life

TFL eligibility follows Medicare eligibility, not age alone. You may qualify if you are:

• A uniformed services retiree with Medicare Part A and Part B

• A family member of a retiree who is TRICARE-eligible and has Medicare Part A and Part B

• A surviving spouse or dependent who is TRICARE-eligible and Medicare-eligible

• A beneficiary under age 65 who qualifies for Medicare due to disability or End-Stage Renal Disease (ESRD)

TFL is available regardless of age or where you live. Even if you live overseas where Medicare does not provide coverage, you must still have Medicare Part B to remain eligible for TRICARE. If you are approaching age 65, DEERS notifies you approximately 90 days before you must enroll in Medicare Part B to transition to TFL.

Why TRICARE For Life Matters

Without TFL, Medicare beneficiaries face 20 percent coinsurance on most Medicare-covered services, with no annual out-of-pocket maximum under Original Medicare. TFL covers that remaining 20 percent and also covers services that Medicare does not cover but TRICARE does, such as certain prescription drugs and overseas care. For military retirees and their families, TFL preserves the health care benefit they earned through military service.

TRICARE For Life Provider Phone Numbers and Hours

The primary TRICARE For Life provider phone number is 1-866-773-0404. This number connects you to WPS, the TFL claims processor and customer service contractor. Use this number for claims questions, eligibility verification, benefit explanations, and general TFL inquiries.

The WPS customer service line operates Monday through Friday, 7:30 a.m. to 10 p.m. Central Time. For hearing-impaired beneficiaries, the TDD line is 1-866-773-0405. This number provides text telephone access to the same customer service representatives.

WPS Electronic Data Interchange (EDI) Help Desk

Providers and billing offices that submit electronic claims to TFL use a separate EDI help desk. The WPS Government Services EDI help desk for TRICARE For Life is 1-800-782-2680. Hours are Monday through Friday, 7:55 a.m. to 4:30 p.m. Central Time. This line handles technical issues with electronic claims submission, EDI enrollment, and missing electronic files.

TRICARE For Life Provider Portal

Providers can manage claims and inquiries through the secure TRICARE4u.com provider portal. The portal allows electronic claims filing, claim status checks, eligibility verification, and secure messaging. Providers can also submit appeals through the portal. The portal is available 24 hours a day, 7 days a week.

Comparison of TFL Contact Numbers

TRICARE West Region: Alaska, Wyoming, Hawaii, Utah, Idaho

All five states covered in this guide — Alaska, Wyoming, Hawaii, Utah, and Idaho — are part of the TRICARE West Region. The West Region contractor is TriWest Healthcare Alliance, which took over from Health Net Federal Services on January 1, 2025. The West Region now covers 26 states.

TriWest Contact Information

TriWest handles TRICARE Prime, TRICARE Select, TRICARE Reserve Select, and TRICARE Retired Reserve enrollment for beneficiaries in the West Region. For TRICARE For Life beneficiaries, TriWest is the regional contractor for referrals and authorizations, while WPS remains the TFL claims processor.

TRICARE West Region States (Full List)

Alaska, Arizona, Arkansas, California, Colorado, Hawaii, Idaho, Illinois, Iowa, Kansas, Louisiana, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming.

TRICARE East Region (For Reference)

If you move to a state outside the West Region, you will fall under the East Region, managed by Humana Military at 1-800-444-5445. The East Region includes states such as Alabama, Connecticut, Delaware, Florida, Georgia, Kentucky, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Vermont, Virginia, and West Virginia.

Alaska TRICARE For Life Contacts

Alaska TRICARE For Life beneficiaries are part of the TRICARE West Region. The state has unique health care challenges due to its geography and limited provider networks. Alaska has several military treatment facilities and a dedicated TRICARE Alaska Regional Office (TARO) that coordinates health care delivery.

Alaska Key Contacts

Alaska Military Treatment Facilities

Alaska has several military treatment facilities (MTFs) that TRICARE For Life beneficiaries can use when space is available:

• JBER Hospital (673rd Medical Group) — Joint Base Elmendorf-Richardson, Anchorage

• Bassett Army Community Hospital — Fort Wainwright, Fairbanks

• US Coast Guard BASE Kodiak — Rockmore-King Clinic, Kodiak

Alaska TRICARE For Life Notes

Alaska’s TRICARE network consists primarily of specialty providers and required facility types. The TRICARE Alaska Regional Office (TARO) coordinates beneficiary satisfaction activities with MTFs. TRICARE provides services at military treatment facilities and supplements that with access to civilian health care networks where necessary.

For state-specific veterans benefits in Alaska, contact the Alaska Office of Veterans Affairs at (907) 428-6663 or toll-free (888) 917-3608.

Wyoming TRICARE For Life Contacts

Wyoming TRICARE For Life beneficiaries are part of the TRICARE West Region. Wyoming has limited military treatment facility options, so most TFL beneficiaries receive care from civilian Medicare-participating providers.

Wyoming Key Contacts

Wyoming Military Treatment Facilities

Wyoming has limited military treatment facilities. The primary MTF serving the state is:

• F.E. Warren Air Force Base — 90th Medical Group, Cheyenne. The clinic serves active duty, retirees, and their families. For more information, call the base operator or check tricare.mil/mtf.

Wyoming TRICARE For Life Notes

Because Wyoming has limited MTF capacity, TFL beneficiaries in Wyoming typically rely on Medicare-participating civilian providers. TFL acts as secondary payer to Medicare. For state veterans benefits, contact the Wyoming Veterans Commission at (307) 777-8152.

Hawaii TRICARE For Life Contacts

Hawaii TRICARE For Life beneficiaries are part of the TRICARE West Region. Hawaii has a robust military health care system with several major military treatment facilities, including Tripler Army Medical Center, a major teaching hospital.

Hawaii Key Contacts

Hawaii Military Treatment Facilities

Hawaii has 10 military medical facilities and 9 dental facilities under the Defense Health Network Indo-Pacific (DHN-IP). Key MTFs include:

• Tripler Army Medical Center (TAMC) — Honolulu. A major teaching hospital and the primary referral center for the Pacific.

• Desmond T. Doss Health Clinic — Schofield Barracks.

• 15th Medical Group — Joint Base Pearl Harbor-Hickam.

• Naval Health Clinic Hawaii — Multiple locations.

Hawaii TRICARE For Life Notes

Hawaii’s military health care system is extensive, and TFL beneficiaries may receive care at military hospitals and clinics when space is available. For state veterans benefits, contact the Hawaii Office of Veterans’ Services at (808) 433-0420.

Utah TRICARE For Life Contacts

Utah TRICARE For Life beneficiaries are part of the TRICARE West Region. Utah has one primary military treatment facility — the 75th Medical Group at Hill Air Force Base — which serves a large TRICARE population.

Utah Key Contacts

Utah Military Treatment Facilities

Utah’s only military treatment facility is:

• 75th Medical Group, Hill Air Force Base — 7321 Balmer Street, Bldg 570, Hill AFB, UT. The clinic provides primary care and a limited range of specialty services. It serves approximately 750 enrollees and more than 72,000 TRICARE beneficiaries in Utah.

Utah TRICARE For Life Notes

Because Utah has only one MTF, TFL beneficiaries in Utah often receive care from civilian Medicare-participating providers. TFL acts as secondary payer to Medicare. For state veterans benefits, contact the Utah Department of Veterans and Military Affairs at (801) 326-2372 or toll-free (800) 894-9497.

Idaho TRICARE For Life Contacts

Idaho TRICARE For Life beneficiaries are part of the TRICARE West Region. Idaho has one primary military treatment facility at Mountain Home Air Force Base.

Idaho Key Contacts

Idaho Military Treatment Facilities

Idaho’s primary military treatment facility is:

• Mountain Home Air Force Base Medical Group — 90 Hope Dr, Bldg 6000, Mountain Home AFB, ID 83648. The clinic serves active duty, retirees, and their families.

Idaho TRICARE For Life Notes

Idaho has a limited MTF presence, so TFL beneficiaries typically rely on civilian Medicare-participating providers. Key installations served include Mountain Home AFB and Gowen Field (Boise). For state veterans benefits, contact the Idaho Division of Veterans Services at (208) 780-1300.

TRICARE For Life Overseas Contact Information

If you live overseas or are traveling outside the United States and U.S. territories, TRICARE For Life works differently. Medicare does not provide coverage overseas. In these locations, TRICARE is the primary payer and you are responsible for TRICARE’s annual deductible and cost-shares. You must still have Medicare Part B to remain eligible for TFL even though Medicare does not cover you overseas.

International SOS is the TRICARE overseas contractor and handles TFL claims, provider referrals, authorizations, and customer service for beneficiaries outside the U.S. and U.S. territories. Contact information varies by country. You can find country-specific toll-free numbers and contact details at tricare-overseas.com/contact-us.

For overseas claims, file them where you received care. Do not send overseas claims to the WPS Madison, Wisconsin address. Contact International SOS or the TRICARE Area Office for your region.

TRICARE Area Offices

TRICARE For Life Claims Addresses and Mailing Information

All TRICARE For Life claims for care received in the United States and U.S. territories go to WPS in Madison, Wisconsin. The correct address depends on the type of correspondence.

Claims Submission

Send all TFL claims to:

WPS/TRICARE For Life
P.O. Box 7890
Madison, WI 53707-7890

Fax for claims: 608-301-2114

Written Correspondence

Send all written items, including appeals, to:

WPS/TRICARE For Life
P.O. Box 7889
Madison, WI 53707-7890

Fax: 608-301-2114

Appeals

Appeals go to a separate address:

WPS TRICARE For Life
ATTN: APPEALS
P.O. Box 7490
Madison, WI 53707-7490

You may also submit appeals through the secure provider portal at TRICARE4u.com.

Program Integrity

Fraud and abuse reports go to:

WPS/TRICARE Program Integrity
P.O. Box 7516
Madison, WI 53707

TRICARE Pharmacy Contact for TFL Beneficiaries

TRICARE For Life beneficiaries use the same TRICARE Pharmacy Program as other TRICARE beneficiaries. Express Scripts administers the pharmacy benefit for beneficiaries in the U.S. and U.S. territories. The pharmacy phone number is 1-877-363-1303. The TDD/TTY line is 1-877-540-6261. For specialty medications through Accredo, call 1-877-882-3324.

Express Scripts can help with:

• General pharmacy information and drug coverage questions

• TRICARE Pharmacy Home Delivery enrollment and management

• Retail network pharmacy locations

• Specialty drug availability and coverage

• Prior authorization and coverage limitations

• Pharmacy claims for non-network pharmacies

If you live overseas, contact International SOS for pharmacy questions instead of Express Scripts.

What the TRICARE For Life Provider Phone Number Can Help With

When you call WPS at 1-866-773-0404, you can get help with:

• Claims status — Whether your claim was received, processed, or denied

• Explanation of Benefits (EOB) — Understanding your EOB and payment amounts

• Eligibility questions — Confirming your TFL coverage and Medicare status

• Benefit coverage — Whether a specific service is covered by TFL

• Provider questions — Finding a TRICARE-authorized provider

• Appeals — How to file an appeal for a denied claim

• Address changes — Updating your mailing address

• Other health insurance — Reporting other coverage that may affect TFL payment

• Claims filing — How to file a claim for care you paid for out of pocket

What the TFL Phone Number Cannot Help With

The WPS TFL line does not handle:

• Medicare enrollment — Contact Social Security at 1-800-772-1213 or Medicare at 1-800-MEDICARE

• DEERS updates — Contact your local ID card office or use milConnect

• TRICARE Prime or Select enrollment — Contact TriWest at 1-888-874-9378

• VA disability claims — Contact the VA at 1-800-827-1000

• Dental coverage — Contact the TRICARE Dental Program contractor

Common Mistakes with TRICARE For Life Contact

Calling the Wrong Number

The most frequent mistake is calling the TRICARE East contractor (Humana Military) for TFL issues. All five states covered here are in the West Region, so you should contact TriWest for regional TRICARE questions and WPS for TFL claims. TFL is administered separately by WPS.

Not Having Medicare Information Ready

Before calling WPS, have your Medicare card, TRICARE eligibility information, and the claim or Explanation of Benefits you are asking about. Without this information, the representative cannot look up your account efficiently.

Assuming Medicare Covers Overseas Care

Medicare does not cover care received outside the United States and U.S. territories. If you live or travel overseas, TRICARE is your primary payer. Do not file overseas claims with Medicare or with WPS. Contact International SOS.

Forgetting to Report Other Health Insurance

If you have employer-sponsored health insurance in addition to Medicare and TRICARE, you must report it. Other health insurance can change the order of payment and affect your out-of-pocket costs. Call WPS to report other coverage.

Not Updating DEERS

TFL eligibility depends on your DEERS record showing you as TRICARE-eligible. If you move, change your name, or experience a qualifying life event, update DEERS. Contact your local ID card office or use milConnect at milconnect.dmdc.osd.mil.

TRICARE For Life Claims Process

How TFL Claims Work

When you receive care from a Medicare-participating provider, the provider files the claim with Medicare first. Medicare processes the claim and sends it to WPS for TFL consideration. WPS pays the remaining covered costs according to TRICARE rules. You may receive an Explanation of Benefits from both Medicare and WPS.

If you see a provider who does not participate in Medicare, you may need to file the claim yourself. In these cases, Medicare and TRICARE may pay differently, and your out-of-pocket costs may be higher.

Filing a Claim Yourself

If you paid out of pocket for care, you can file a claim with WPS for reimbursement. Send the completed claim form, itemized bill, and proof of payment to the claims address. Use the TRICARE For Life claims form available on TRICARE4u.com. Claims must generally be filed within one year of the date of service.

Claims Processing Time

TFL claims are typically processed within 30 days after WPS receives the claim from Medicare. If you file a claim yourself, processing may take longer. You can check claim status by calling 1-866-773-0404 or by logging into the beneficiary portal at TRICARE4u.com.

TRICARE For Life Appeals Process

If WPS denies a claim or pays less than you believe is correct, you have the right to appeal. The appeal process for TFL follows Medicare and TRICARE rules.

How to File an Appeal

1. Review your Explanation of Benefits (EOB) to understand the denial reason.

2. Write a signed letter stating the specific matter you disagree with.

3. Include any additional documentation not included in the original claim.

4. Mail the appeal to: WPS TRICARE For Life, ATTN: APPEALS, P.O. Box 7490, Madison, WI 53707-7490.

5. Submit within 90 days of the denial date.

Your provider may also file the appeal on your behalf in many cases. Providers can submit appeals through the secure portion of TRICARE4u.com.

Appeal Timeframe

Appeals must be filed within 90 days of the date of the denial. Once WPS receives your appeal, it reviews all TFL claims for the entire course of treatment, not just the specific claim in question.

Latest TRICARE For Life Rule Changes for 2025–2026

GLP-1 Medication Coverage Ended

On August 31, 2025, TRICARE ended coverage of GLP-1 medications for TRICARE For Life beneficiaries being treated for obesity-related medical conditions. This change affected beneficiaries who were using medications such as semaglutide (Ozempic, Wegovy) and tirzepatide (Mounjaro, Zepbound) for weight management.

Continued Focus on Military Treatment Facility Care

In 2026, 21 military treatment facilities are prioritizing bringing back TRICARE For Life patients for primary and specialty care. This initiative aims to improve continuity of care for Medicare-eligible beneficiaries and reduce reliance on civilian providers. TFL beneficiaries can receive care at military hospitals and clinics where space is available.

TRICARE For Life and Employer Health Coverage

TRICARE published updated guidance in June 2026 on how TFL works with employer-sponsored health insurance. If you have employer coverage in addition to Medicare and TFL, the order of payment depends on your employment status and the size of the employer. Contact WPS for details about your specific situation.

Common Questions

What is the TRICARE For Life provider phone number?

The TRICARE For Life provider phone number is 1-866-773-0404. This connects you to WPS, the TFL claims processor. Call this number for claims, eligibility, benefits, and provider questions. Hours are Monday through Friday, 7:30 a.m. to 10 p.m. Central Time.

What are the TRICARE For Life customer service hours?

WPS customer service for TRICARE For Life is available Monday through Friday, 7:30 a.m. to 10 p.m. Central Time. The line is closed on weekends and federal holidays. Secure messaging through TRICARE4u.com is available 24 hours a day, 7 days a week.

What is the TDD number for TRICARE For Life?

The TDD (Telecommunications Device for the Deaf) number for TRICARE For Life is 1-866-773-0405. This line provides text telephone access to customer service representatives during regular business hours.

How do I contact TRICARE For Life in Alaska?

TRICARE For Life beneficiaries in Alaska call WPS at 1-866-773-0404 for claims and TFL questions. For TRICARE West Region questions, call TriWest at 1-888-874-9378. For state veterans benefits, contact the Alaska Office of Veterans Affairs at (907) 428-6663 or (888) 917-3608.

How do I contact TRICARE For Life in Wyoming?

TRICARE For Life beneficiaries in Wyoming call WPS at 1-866-773-0404 for claims. For TRICARE West Region questions, call TriWest at 1-888-874-9378. For state veterans benefits, contact the Wyoming Veterans Commission at (307) 777-8152.

How do I contact TRICARE For Life in Hawaii?

TRICARE For Life beneficiaries in Hawaii call WPS at 1-866-773-0404 for claims. For TRICARE West Region questions, call TriWest at 1-888-874-9378. For state veterans benefits, contact the Hawaii Office of Veterans’ Services at (808) 433-0420.

How do I contact TRICARE For Life in Utah?

TRICARE For Life beneficiaries in Utah call WPS at 1-866-773-0404 for claims. For TRICARE West Region questions, call TriWest at 1-888-874-9378. For state veterans benefits, contact the Utah Department of Veterans and Military Affairs at (801) 326-2372 or (800) 894-9497.

How do I contact TRICARE For Life in Idaho?

TRICARE For Life beneficiaries in Idaho call WPS at 1-866-773-0404 for claims. For TRICARE West Region questions, call TriWest at 1-888-874-9378. For state veterans benefits, contact the Idaho Division of Veterans Services at (208) 780-1300.

Who is eligible for TRICARE For Life?

TFL is for uniformed services retirees and their family members who are TRICARE-eligible and have Medicare Part A and Medicare Part B. Coverage is automatic once you have both Medicare parts and show as TRICARE-eligible in DEERS.

Do I need Medicare Part B for TRICARE For Life?

Yes. You must have Medicare Part A and Part B to qualify for TFL. If you decline Medicare Part B, you lose TFL eligibility. This applies even if you live overseas where Medicare does not provide coverage.

How long does TRICARE For Life claims processing take?

TFL claims are typically processed within 30 days after WPS receives the claim from Medicare. If you file a claim yourself, processing may take longer. Check claim status by calling 1-866-773-0404 or logging into TRICARE4u.com.

Can I see any provider with TRICARE For Life?

TFL generally follows Medicare rules for provider participation. If your provider accepts Medicare, they will generally accept TFL as secondary coverage. If you see a provider who does not participate in Medicare, your out-of-pocket costs may be higher.

What is the EDI help desk number for TRICARE For Life providers?

Providers submitting electronic claims should call the WPS EDI help desk at 1-800-782-2680. Hours are Monday through Friday, 7:55 a.m. to 4:30 p.m. Central Time.

How do I update my address for TRICARE For Life?

Update your address in DEERS through milConnect at milconnect.dmdc.osd.mil or by visiting a local ID card office. You should also notify WPS by calling 1-866-773-0404.

Key Takeaways

• The TRICARE For Life provider phone number is 1-866-773-0404.

• WPS customer service hours are Monday–Friday, 7:30 a.m.–10 p.m. Central Time.

• The TDD line for hearing-impaired callers is 1-866-773-0405.

• Alaska, Wyoming, Hawaii, Utah, and Idaho are all in the TRICARE West Region.

• The TRICARE West contractor is TriWest Healthcare Alliance at 1-888-874-9378.

• TFL claims go to WPS/TRICARE For Life, P.O. Box 7890, Madison, WI 53707-7890.

• Appeals go to ATTN: APPEALS, P.O. Box 7490, Madison, WI 53707-7490.

• The TRICARE Pharmacy phone number is 1-877-363-1303.

• You must have Medicare Part A and Part B to qualify for TFL.

• TFL is Medicare-wraparound coverage — Medicare pays first, TFL pays remaining covered costs.

Official Resources

• TRICARE For Life: tricare.mil/tfl

• TRICARE4u (WPS Beneficiary Portal): tricare4u.com

• TRICARE West (TriWest): tricare-west.com

• TRICARE Pharmacy: tricare.mil/pharmacy

• Express Scripts (TRICARE Pharmacy): militaryrx.express-scripts.com

• Medicare: medicare.gov

• Social Security Administration: ssa.gov

• DEERS / milConnect: milconnect.dmdc.osd.mil

• Defense Health Agency: health.mil

• Alaska Office of Veterans Affairs: veterans.alaska.gov

• Wyoming Veterans Commission: wvc.wyo.gov

• Hawaii Office of Veterans’ Services: dod.hawaii.gov

• Utah Department of Veterans and Military Affairs: veterans.utah.gov

• Idaho Division of Veterans Services: veterans.idaho.gov

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