Humana Military TRICARE East: Contact, Claims and Login Guide
Humana Military administers the TRICARE East Region under a contract with the Defense Health Agency. The main contact number is 1-800-444-5445. Beneficiaries can log in to the Humana Military portal to view claims, check referral status, and manage health care. Claims must be filed within one year of the service date. The TRICARE East Region covers 30 states and the District of Columbia, serving approximately 6 million beneficiaries.
Quick Facts
| Item | Details |
|---|---|
| Benefit | TRICARE health coverage for active duty, retirees, Guard/Reserve, and families in the East Region |
| Eligibility | Active duty, retirees, Guard/Reserve (when activated), survivors, certain former spouses, and family members registered in DEERS |
| Application | Enroll through milConnect (BWE) or by calling Humana Military at 1-800-444-5445 |
| Processing Time | Claims: median 1 day for behavioral health, 9.06 days average overall; 98% within 30 days |
| Official Agency | Defense Health Agency (DHA); administered by Humana Military |
| Required Forms | DD Form 2642 (paper claim); enrollment forms through BWE |
| Updated For | 2026 TRICARE East Region operations and T-5 contract |
What Is Humana Military TRICARE East?
Humana Military is the regional contractor that administers the TRICARE East Region for the Defense Health Agency. TRICARE is the health care program of the U.S. Department of Defense, providing civilian health benefits to approximately 9.6 million eligible beneficiaries worldwide. The East Region covers 30 states and the District of Columbia, with approximately 6.1 million beneficiaries as of the T-5 contract transition in 2025.
What it is: Humana Military handles provider networks, claims processing, referrals, authorizations, and customer service for TRICARE beneficiaries living in the East Region. When you call TRICARE East, you reach Humana Military.
Who qualifies: Active duty service members, active duty family members, retired service members and their families, National Guard and Reserve members (when activated or under certain statuses), survivors of deceased service members, and certain former spouses who meet specific eligibility criteria.
Why it matters: Your regional contractor determines your network of approved providers, the authorization procedures for care, and the claims processing pathway. Every interaction regarding referrals, prior authorization, and benefit questions routes through Humana Military’s systems and customer service lines.
What you should do next: Verify you are in the TRICARE East Region by entering your ZIP code at tricare.mil/regions. If you are in the East Region, save the Humana Military contact information below.
TRICARE East Region: States Covered
The TRICARE East Region includes 30 states and the District of Columbia as of the 2025 T-5 contract transition. Six states moved from the East Region to the West Region on January 1, 2025: Arkansas, Illinois, Louisiana, Oklahoma, Texas, and Wisconsin. Portions of these states remain in the East Region depending on ZIP code.
| Region | States Included |
|---|---|
| East Region | Alabama, Connecticut, Delaware, District of Columbia, Florida, Georgia, Indiana, Iowa (Rock Island Arsenal area only), Kentucky, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri (St. Louis and southeastern Boetheler areas only), New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Vermont, Virginia, West Virginia |
| West Region | Arkansas, Illinois, Louisiana, Oklahoma, Texas, Wisconsin (plus Alaska, Arizona, California, Colorado, Hawaii, Idaho, Iowa (except Rock Island), Kansas, Minnesota, Missouri (except St. Louis area), Montana, Nebraska, Nevada, New Mexico, North Dakota, Oregon, South Dakota, Utah, Washington, Wyoming) |
Veterans May Qualify for Extra Benefits
Check available financial assistance, healthcare programs and other opportunities that may apply to you.
Check EligibilitySource: TRICARE East Region provider handbook, 2025
Important: Some ZIP codes in states that moved to the West Region may still be in the East Region. Always verify your region by entering your ZIP code at tricare.mil/regions.[reference:5]
Humana Military TRICARE East Contact Information
Humana Military is the primary point of contact for all TRICARE East beneficiary needs. The main customer service number is 1-800-444-5445. Representatives are available Monday through Friday, 8 a.m. to 6 p.m. in both Central and Eastern time zones.
Key Contact Numbers
| Purpose | Contact |
|---|---|
| Main customer service | 1-800-444-5445 |
| Claims submission (fax) | 877-489-0007 |
| Provider phone | 1-800-444-5445 |
| Government self-service | 1-800-334-4817 (8 a.m.–6 p.m. ET, M–F) |
| Warrior Navigation and Assistance Program | 1-888-4GO-WNAP (1-888-446-9627) |
| DEERS Support Office | 1-800-538-9552 |
| TRICARE Pharmacy (Express Scripts) | 877-363-1303 |
| TRICARE Active Duty Dental Program | 866-984-2337 (CONUS) |
| TRICARE Dental Program | 844-653-4061 (CONUS) |
Source: TRICARE.mil contact wallet card, 2025–2026
Claims Mailing Address
All paper claims and supporting documentation for TRICARE East should be mailed to:
TRICARE East Region: New Claims
P.O. Box 202146
Florence, SC 29502-2146
Fax: 877-489-0007
Source: Humana Military claims submission page
Email Contact
For mobile app support: hmmobiledevelopers@humanamilitary.com
Source: TRICARE East App listing
How to Submit a TRICARE East Claim
Claims for TRICARE East benefits must be filed with Humana Military no later than one year after the date the services were provided. This timely filing guideline does not apply if the beneficiary is an active duty service member on the date of service.
Step-by-Step Claim Submission
Confirm the provider is TRICARE-authorized. If you see a provider who is not eligible for TRICARE authorization, you will be responsible for the full cost of care.
Gather your documentation. You will need the completed claim form (DD Form 2642), itemized bills, and any supporting documentation.
Submit the claim by mail or fax. Claims cannot be filed digitally for TRICARE East — you must file via mail or fax. However, you can check claim status online after submission.
Mail to: TRICARE East Region: New Claims, P.O. Box 202146, Florence, SC 29502-2146
Fax to: 877-489-0007
Track your claim online. Register at the Humana Military beneficiary portal to check the status of your claims and view your Explanation of Benefits (EOB).
Timely Filing Exceptions
The one-year filing deadline does not apply in the following cases:
Claims regarding a retroactive eligibility/preauthorization determination
Administrative error by the contractor
Inability to communicate or mental incompetency without an appointed legal guardian on the date of service
Delayed adjudication by a primary insurance
Dual eligibility with Medicare where Medicare accepted the claim as timely
In these instances, TRICARE East may consider payment for services received during the six years immediately preceding the request. Services claimed for more than six years before the request will be denied.
Claims Processing Time
| Claim Type | Processing Time |
|---|---|
| Behavioral health claims | Median 1 day; 84% within 30 days |
| Overall average | 9.06 days |
| Contractual requirement | 98% of claims within 30 days |
| Electronic claims (provider) | 7–14 days average |
| Paper claims (provider) | Up to 30 days |
Source: GAO-25-107484 and DHA reports
How to Log In to the Humana Military Beneficiary Portal
The Humana Military beneficiary portal allows you to view claims, check referral and authorization status, verify eligibility, view your Explanation of Benefits (EOB), and manage your TRICARE health care online.
How to Register for an Account
Go to www.tricare.mil/east or www.humanamilitary.com.
Select “Log in” or “Register for an account.”
Review the privacy information on the next screen.
Create your user ID and password.
Complete the registration process with your DEERS information.
Source: Humana Military Beneficiary Self-Service Guide
What You Can Do in the Portal
Check referral or authorization status
Verify eligibility
View claims and check their status
View billing summaries
View Explanation of Benefits (EOBs)
Make payments
View payment history
Find network providers
View your Primary Care Manager (PCM) information
Check your deductible and cap
Source: Humana Military self-service documentation
TRICARE East Mobile App
The TRICARE East mobile app allows you to manage your health care on the go. The app is available for free on the Google Play Store and Apple App Store. It allows you to view claim details, referral and authorization status, provider information, and associated dates. You can also view eligibility, PCM information, deductible, and make payments.
Login Changes: myAuth Transition
The Defense Health Agency is transitioning TRICARE logins to a new platform called myAuth by the end of 2026. This replaces the legacy DS Logon system. Users will sign in using a username and password plus a secure multi-factor authentication method. Humana Military’s TRICARE East portal is included in this transition.
TRICARE East Provider Network
Humana Military maintains the TRICARE East provider network and directory. The network provider directory is continuously updated as new providers join. Beneficiaries in the East Region can use the same Humana Military provider directory that has been in place, as Humana Military remains the regional contractor under the T-5 contract.
How to Find a TRICARE East Provider
Use the Find a Doctor tool at tricare.mil/findaprovider.
Search by specialty, location, or provider name.
Verify the provider is TRICARE-authorized before scheduling.
Check if the provider is in-network for your TRICARE plan (Prime or Select).
Inviting a Provider to Become TRICARE-Authorized
If you want to see a provider who does not currently accept TRICARE, you can print a handout from TRICARE.mil and give it to the provider. The handout explains the benefits of being a TRICARE-authorized provider and the authorization process. Most providers with a valid professional license can become TRICARE-authorized.
Important: Providers do not have to join the TRICARE network to see TRICARE beneficiaries, but they must become TRICARE-authorized. If you see a provider who is not eligible for TRICARE authorization, you will be responsible for the full cost of care.
TRICARE East Plan Options
TRICARE East beneficiaries can choose from several health plan options. The plan you are enrolled in determines your cost share, referral requirements, and whether you must use network providers.
| Plan | Eligible Population | Network Requirement | Referral Required? |
|---|---|---|---|
| TRICARE Prime | Active duty, retirees, and families who enroll | Must use network providers | Yes — PCM referral + authorization |
| TRICARE Select | Retirees and family members who choose Select | Network preferred; out-of-network available at higher cost | No referral; prior authorization still required |
| TRICARE For Life (TFL) | Medicare-eligible retirees (65+) with Part A & B | Medicare providers | No referral; Medicare rules apply |
| TRICARE Prime Remote | Active duty and families living in remote areas | Must use network providers | Yes — PCM referral |
Source: BrightStar Care TRICARE plan comparison and TRICARE.mil
What you should do next: If you need to change your TRICARE plan, the TRICARE Open Season runs from November 11 through December 9 each year. You can make changes through Beneficiary Web Enrollment (BWE) at milConnect or by calling Humana Military at 1-800-444-5445.
TRICARE East Region Changes: 2025 T-5 Contract
The TRICARE Fifth Generation (T-5) contracts began health care delivery on January 1, 2025. Humana Military continues as the TRICARE East Region contractor under an 8-year contract running through 2032.
Key Changes
Six states moved from East to West: Arkansas, Illinois, Louisiana, Oklahoma, Texas, and Wisconsin transferred to the West Region. Approximately 1.1 million beneficiaries were impacted. Portions of these states remain in the East Region depending on ZIP code.
TriWest became the West Region contractor, replacing Health Net Federal Services.
Claims processor changed: Humana Military’s claims processor is now PGBA LLC. The 2025 TRICARE East Payer ID is 99727.
Referrals transfer when beneficiaries move: Referrals now go with patients when they PCS or move, both intra-region and cross-region. New MTFs review to determine if they have capability and capacity.
Copays and cost shares did not change due to the new contracts.
What you should do next: If you moved from a state that transferred to the West Region, confirm your TRICARE region at tricare.mil/regions. Keep your address, email, and phone number up to date in DEERS to ensure you receive communications from your correct regional contractor.
TRICARE East vs. TRICARE West: Key Differences
TRICARE is divided into two stateside regions, each managed by a separate contractor. The East Region is administered by Humana Military, and the West Region is administered by TriWest Healthcare Alliance.
| Feature | TRICARE East (Humana Military) | TRICARE West (TriWest) |
|---|---|---|
| Contractor | Humana Military | TriWest Healthcare Alliance |
| Phone | 1-800-444-5445 | 1-888-TRIWEST (874-9378) |
| Website | tricare.mil/east | tricare.mil/west |
| Beneficiaries | ~6.1 million | ~2.8 million (pre-T-5); ~4.2 million (post-T-5) |
| States covered | 30 states + D.C. | 26 states |
| Claims address | P.O. Box 202146, Florence, SC 29502-2146 | TriWest claims address |
| Payer ID | 99727 | Varies |
Source: GAO-25-107484 and TRICARE.mil
Common Mistakes TRICARE East Beneficiaries Make
Avoiding these errors can prevent claim denials, delayed payments, and coverage gaps:
Filing claims after the one-year deadline. TRICARE East requires claims within one year of the service date. Late claims are denied unless you qualify for a timely filing waiver.
Using a non-authorized provider. If you see a provider who is not TRICARE-authorized, you pay the full cost of care. Always verify authorization before your appointment.
Not updating DEERS information. If your address, email, or phone number is outdated in DEERS, you may miss important communications from Humana Military or your new contractor if you move.
Assuming a referral guarantees payment. A referral or authorization is not proof of eligibility or a guarantee of benefits.
Trying to file claims digitally. TRICARE East claims cannot be filed online. You must mail or fax them. You can only check claim status online.
Forgetting to check if your ZIP code changed regions. Six states moved from East to West in 2025. Some ZIP codes in those states remain in the East Region. Verify your region at tricare.mil/regions.[reference:39]
Not creating a portal account. Without a Humana Military portal account, you cannot view your EOBs online, check claim status, or manage your health care digitally.
Common Questions
What is the phone number for Humana Military TRICARE East?
The main customer service number for TRICARE East is 1-800-444-5445. Representatives are available Monday through Friday, 8 a.m. to 6 p.m. Central and Eastern time. You can also visit Humanamilitary.com for self-service options.
How do I file a TRICARE East claim?
Complete DD Form 2642 and mail it to TRICARE East Region: New Claims, P.O. Box 202146, Florence, SC 29502-2146. You can also fax it to 877-489-0007. Claims must be filed within one year of the service date. You cannot file claims digitally.
How do I log in to the Humana Military portal?
Go to www.tricare.mil/east or www.humanamilitary.com and select “Log in” or “Register for an account.” Review the privacy information and create your user ID and password. The portal lets you view claims, check referral status, and manage your health care.
What states are in the TRICARE East Region?
The East Region includes 30 states and the District of Columbia: Alabama, Connecticut, Delaware, D.C., Florida, Georgia, Indiana, Iowa (Rock Island Arsenal area), Kentucky, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri (St. Louis area), New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Vermont, Virginia, West Virginia, and parts of other states.
Did my state move to TRICARE West in 2025?
Six states moved from East to West on January 1, 2025: Arkansas, Illinois, Louisiana, Oklahoma, Texas, and Wisconsin. Some ZIP codes in these states remain in the East Region. Verify your region by entering your ZIP code at tricare.mil/regions.
How long does TRICARE East take to process claims?
The median processing time for behavioral health claims is 1 day, with 84% processed within 30 days. The overall average is 9.06 days. Humana Military is contractually required to process 98% of claims within 30 days.
Can I file a TRICARE East claim online?
No. TRICARE East claims must be filed by mail or fax. However, you can check the status of your claims online through the Humana Military beneficiary portal after submission.
What is the TRICARE East payer ID for electronic claims?
The 2025 TRICARE East Payer ID is 99727. This ID is used by providers submitting electronic claims through clearinghouses to PGBA LLC, Humana Military’s claims processor.
What is the TRICARE East mobile app?
The TRICARE East mobile app lets you view claim details, referral and authorization status, provider information, and eligibility from your phone. It is available for free on the Google Play Store and Apple App Store.
What is myAuth, and how does it affect my TRICARE East login?
myAuth is a new login platform the Defense Health Agency is transitioning to by the end of 2026. It replaces the legacy DS Logon system. You will sign in with a username and password plus multi-factor authentication.
Can I change my TRICARE plan during Open Season?
Yes. TRICARE Open Season runs from November 11 through December 9 each year. You can change plans through Beneficiary Web Enrollment (BWE) at milConnect or by calling Humana Military at 1-800-444-5445.
What happens if I see a provider who is not TRICARE-authorized?
If you see a provider who is not eligible for TRICARE authorization, you will be responsible for the full cost of care. Always verify that your provider is TRICARE-authorized before your appointment.
Key Takeaways
Humana Military administers the TRICARE East Region under a contract with the Defense Health Agency.
The main customer service number is 1-800-444-5445; representatives are available M–F, 8 a.m.–6 p.m. CT/ET.
Claims must be filed within one year of service; mail to P.O. Box 202146, Florence, SC 29502-2146 or fax to 877-489-0007.
The Humana Military beneficiary portal allows you to view claims, check referral status, and manage health care online.
The TRICARE East Region covers 30 states and D.C., serving approximately 6 million beneficiaries.
Six states moved from East to West on January 1, 2025: Arkansas, Illinois, Louisiana, Oklahoma, Texas, and Wisconsin.
Claims processing averages 9.06 days; behavioral health claims have a median of 1 day.
The TRICARE East Payer ID for electronic claims is 99727.
The T-5 contract runs through 2032; Humana Military continues as East Region contractor.
myAuth will replace DS Logon for TRICARE logins by the end of 2026.
Official Resources
TRICARE East Region — Official TRICARE East information page.
Humana Military — Official TRICARE East contractor website.
TRICARE Beneficiary Portal — Log in to view claims and manage health care.
TRICARE Claims Addresses — Official claims mailing addresses.
Find a TRICARE Provider — Provider directory tool.
TRICARE Regions — Verify your TRICARE region by ZIP code.
TRICARE Open Season — Annual plan change period.
DEERS Enrollment — Update your DEERS information.
TRICARE Pharmacy Program — Prescription information.
TRICARE Dental Program — Dental coverage information.
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