07/24/2026
Got a bill and not sure why? Remember:
- All TRICARE Prime beneficiaries NEED a referral before seeking out specialty care, with only a handful of specific exceptions. Only TRICARE Select beneficiaries can skip on referrals, but there will be a copay and deductible to pay.
- The provider you’re seeing MUST be in-network. It is the responsibility of the patient to make sure the specialty provider they’re being referred to is in-network prior to your visit.
- The procedure, test, or equipment MUST be covered by TRICARE. Some providers will let you know when a specific procedure, test, or equipment is not covered and will have to be paid out of pocket, but not all of them do. When in doubt, call Humana at (800) 444-5445 to verify.
- The clinic does NOT issue back-dated referrals, including for Urgent Care visits.
Need help? Reach out to our Patient Advocate at [email protected].