TRICARE Arizona: Plans, Networks, and 2026 Rates | TRICARE.com

Arizona is part of the **TRICARE West Region**. Since January 1, 2025, the regional contractor for Arizona is **TriWest Healthcare Alliance**, which replaced Health Net Federal Services (HNFS) under the T-5 contract. Beneficiaries in Arizona have access to a robust network of military treatment facilities (MTFs) and civilian providers across the Phoenix and Tucson corridors.

*Note: TRICARE.com is an independent reference site and is not the official TRICARE program. For official policy and enrollment, visit [TRICARE.mil](https://www.tricare.mil).*

## Major military installations in Arizona Arizona is home to several critical military installations representing the Air Force, Army, and Marine Corps:

* **Luke Air Force Base** – Glendale (Maricopa County) * **Davis-Monthan Air Force Base** – Tucson (Pima County) * **Fort Huachuca (U.S. Army)** – Sierra Vista (Cochise County) * **Marine Corps Air Station (MCAS) Yuma** – Yuma (Yuma County) * **Yuma Proving Ground (U.S. Army)** – Yuma (Yuma County) * **Papago Park Military Reservation (National Guard)** – Phoenix

## Plans available in Arizona Depending on your status (Active Duty, National Guard/Reserve, or Retiree), the following plans are available in Arizona for 2026:

| Plan Name | Eligibility Focus | Note | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty & Families | Managed care with a Primary Care Manager (PCM). | | **TRICARE Select** | All beneficiaries | Self-managed plan with higher flexibility but out-of-pocket costs. | | **TRICARE Reserve Select (TRS)** | Qualified Guard/Reserve | Premium-based plan for part-time service members. | | **TRICARE Retired Reserve** | Retired Guard/Reserve | For those under age 60. | | **TRICARE For Life** | Medicare-eligible retirees | Wraparound coverage for those with Medicare Parts A & B. | | **TRICARE Young Adult** | Adult children | Available for those under age 26 who aren't yet eligible for their own plan. |

*Note: The US Family Health Plan (USFHP) is NOT currently available in Arizona.*

## Finding care in Arizona Because Arizona is in the West Region, all network provider searches are conducted through the **TriWest Healthcare Alliance** provider directory.

* **Network vs. Non-Network:** In metropolitan areas like Phoenix, Mesa, and Tucson, the TriWest network is extensive. However, if you are in rural areas or near the Rim Country, you may need to use non-network providers, which typically results in higher 2026 cost-shares for TRICARE Select users. * **Military Treatment Facilities (MTFs):** Those enrolled in Prime near Luke AFB or Davis-Monthan AFB will generally be assigned to the base clinic for primary care. * **Telehealth:** Arizona beneficiaries have access to Doctor On Demand and Teledoc via TriWest, though specific availability depends on your plan and 2026 referral requirements. Retain your "Direct Care" (MTF) authorization if required by your PCM.

Common questions for Arizona beneficiaries

**I am PCSing to Luke AFB; when should I switch my enrollment?** You should contact TriWest Healthcare Alliance as soon as you arrive in Arizona to update your DEERS address and request a new Primary Care Manager. Do not wait until you are sick, as "pointing" your coverage to the West Region can take a few days to process.

**How does TRICARE interact with Arizona Medicaid (AHCCCS)?** By law, TRICARE is the secondary payer to most other health insurance plans, but it is the primary payer to Medicaid. If you or a family member are enrolled in the Arizona Health Care Cost Containment System (AHCCCS), AHCCCS pays last after TRICARE has paid its portion.

**Are there specialized military providers in Sierra Vista?** Yes. Due to the presence of Fort Huachuca, Sierra Vista has a high concentration of TRICARE-authorized providers who are accustomed to military billing, though complex specialty care is often referred to Tucson or the Raymond W. Bliss Army Health Center.

## Sources * TRICARE West Region - TriWest Healthcare Alliance: [https://www.tricare-west.com/](https://www.tricare-west.com/) * TRICARE Official Site: [https://www.tricare.mil/](https://www.tricare.mil/) * Defense Health Agency - T-5 Transition Info: [https://health.mil/](https://health.mil/) * Military OneSource Arizona Guide: [https://www.militaryonesource.mil/](https://www.militaryonesource.mil/)