TRICARE Hawaii: Plans, Providers & West Region Guide | TRICARE.com

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## TRICARE in Hawaii Hawaii is part of the **TRICARE West Region**. As of January 1, 2025, the regional contractor for the West is **TriWest Healthcare Alliance**, which replaced the previous contractor, Health Net Federal Services (HNFS). Hawaii is unique due to its high concentration of military personnel and the significant role of Military Treatment Facilities (MTFs) like Tripler Army Medical Center.

## Major military installations Hawaii hosts several critical military installations across the islands, with the highest concentration on Oahu: * **Joint Base Pearl Harbor-Hickam (JBPHH):** Navy/Air Force – Honolulu/Pearl City * **Schofield Barracks:** Army – Wahiawa * **Marine Corps Base Hawaii (MCBH):** Marine Corp – Kaneohe Bay * **Tripler Army Medical Center:** Army/Inter-service – Honolulu * **Wheeler Army Airfield:** Army – Wahiawa * **Pohakuloa Training Area:** Army – Hilo (Island of Hawaii) * **Pacific Missile Range Facility Barking Sands:** Navy – Kekaha (Kauai)

## Plans available in Hawaii Beneficiaries in Hawaii have access to the following TRICARE plans:

| Plan Type | Eligibility | Notes | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty, Retirees, Families | Managed Care; most care at Military Treatment Facilities (MTFs). | | **TRICARE Prime Remote** | Active Duty/Families | Available for those stationed in remote areas (e.g., Maui or Kauai). | | **TRICARE Select** | All non-active duty beneficiaries | PPO-style plan with more flexibility to choose civilian providers. | | **TRICARE Reserve Select (TRS)** | Qualified Guard/Reserve | Premium-based plan for part-time service members. | | **TRICARE Retired Reserve** | Retired Guard/Reserve under 60 | Premium-based coverage for "Gray Area" retirees. | | **TRICARE For Life (TFL)** | Medicare-eligible retirees | Secondary payer to Medicare; requires Medicare Part B. | | **TRICARE Young Adult** | Children ages 21–26 | Available in Prime or Select formats. |

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

## Finding care in Hawaii Because Hawaii’s medical market is concentrated on Oahu, finding specialty care on the neighbor islands (Maui, Kauai, Molokai, Lanai, and Hawaii Island) can be challenging.

* **Provider Directory:** Beneficiaries should use the **TriWest West Region Provider Directory** to find network doctors. * **Network vs. Non-Network:** Using a network provider under TRICARE Select will result in lower out-of-pocket costs (2026 rates vary by plan group—check TRICARE.mil for specific copays). * **Military Treatment Facilities (MTFs):** Tripler Army Medical Center serves as the primary hub for specialty care in the Pacific. Prime enrollees are typically referred here first. * **Telehealth:** Given the geographical separation of the islands, telehealth is a robust option through TriWest’s partnership with platforms like Doctor On Demand.

Common questions for Hawaii beneficiaries

**What happens if I need specialty care on a neighbor island?** If you are enrolled in TRICARE Prime and the necessary specialty care is not available on your home island (e.g., Maui), your PCM will coordinate a referral. In many cases, you may be required to travel to Oahu for care at Tripler. TRICARE may provide travel reimbursement for the patient and a non-medical attendant if the travel meets specific distance and necessity requirements.

**How does TRICARE work with Hawaii QUEST (Medicaid)?** If you have both TRICARE and Hawaii QUEST, TRICARE is always the primary payer. QUEST acts as the "payer of last resort." You must inform your providers that you have both coverages to ensure proper billing.

**Does Hawaii have a "Prime Service Area" (PSA) everywhere?** No. While much of Oahu is a PSA, some remote areas of the neighbor islands are not. If you live outside a PSA, you may be eligible for TRICARE Prime Remote or may choose to use TRICARE Select.

## Sources * **TriWest Healthcare Alliance (West Region):** [https://www.triwest.com](https://www.triwest.com) * **TRICARE Plan Finder:** [https://www.tricare.mil/Plans/PlanFinder](https://www.tricare.mil/Plans/PlanFinder) * **Tripler Army Medical Center:** [https://tripler.tricare.mil](https://tripler.tricare.mil) * **Defense Health Agency (T-5 Contract Info):** [https://health.mil](https://health.mil)