TRICARE Hawaii & JBPHH Guide: Plans, Costs, and Providers

*DISCLOSURE: TRICARE.com is an independent reference site and is not affiliated with the Department of Defense or the official TRICARE program. For official policy and the most current data, visit TRICARE.mil.*

## 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 Health Net Federal Services (HNFS) under the T-5 contract transition. Beneficiaries in Hawaii, including those at Joint Base Pearl Harbor-Hickam (JBPHH), primarily receive care through Military Treatment Facilities (MTFs) or a robust network of civilian providers across the islands.

## Major military installations * **Joint Base Pearl Harbor-Hickam (JBPHH):** Navy/Air Force – Honolulu/Pearl City * **Schofield Barracks:** Army – Wahiawa * **Marine Corps Base Hawaii (MCBH):** Marine Corps – Kaneohe Bay * **Fort Shafter:** Army – Honolulu * **Tripler Army Medical Center:** Army (Joint Service) – Honolulu * **Pohakuloa Training Area:** Army – Hilo (Hawaii Island) * **Pacific Missile Range Facility (PMRF) Barking Sands:** Navy – Kekaha (Kauai)

## Plans available in Hawaii | Plan Type | Eligibility | Key Feature | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty, Retirees | Managed care; primary care usually at MTF (e.g., Makalapa Clinic at JBPHH). | | **TRICARE Prime Remote** | Active Duty in remote areas | For those stationed away from major MTFs (common on neighbor islands). | | **TRICARE Select** | All except Active Duty | PPO-style plan with choice of providers; requires 2026 enrollment fees for Group A retirees. | | **TRICARE Reserve Select** | Qualified Reserve/Guard | Premium-based plan for "gray area" reservists and their families. | | **TRICARE For Life** | Medicare-eligible retirees | Wraparound coverage for Medicare Part A and B; standard 2026 Medicare rules apply. | | **TRICARE Young Adult** | Unmarried children (21-26) | Available in Prime or Select formats for adult children of eligible sponsors. |

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

## Finding care in Hawaii For beneficiaries at **Joint Base Pearl Harbor-Hickam**, the first point of care is usually the **Makalapa Medical Training Facility** or the **15th Medical Group**. If the MTF cannot provide the specialized service required, you will be referred to the civilian network or to **Tripler Army Medical Center**, the premier military medical facility in the Pacific.

To find civilian network providers under the 2026 West Region contract: 1. Use the **TriWest Healthcare Alliance** provider directory on their official website. 2. **Network vs. Non-Network:** Using a network provider results in lower out-of-pocket costs (copays vary by plan year — check TRICARE.mil for current 2026 rates). In Hawaii, many specialty groups on Oahu are in-network, but availability can be tighter on Maui, Kauai, and the Big Island. 3. **Telehealth:** TriWest offers specialized telehealth portals for behavioral health and urgent care to help bridge geographical gaps between islands.

## Common questions for Hawaii beneficiaries **What happens if I need specialty care on a neighbor island?** If you are stationed on a neighbor island (like Kauai or Maui) and require specialty care not available locally, TRICARE Prime may cover travel expenses through the Prime Travel Benefit if the care is more than 100 miles from your primary care manager.

**Can I see a civilian doctor in Waikiki or Honolulu?** If you are on TRICARE Select, you can see any TRICARE-authorized provider without a referral. If you are on TRICARE Prime, you generally must see your MTF doctor at JBPHH or Tripler unless you receive a formal referral to a civilian network specialist from TriWest.

**Is there a Quest (Medicaid) interaction in Hawaii?** TRICARE is always the secondary payer to Medicaid (known as Quest in Hawaii). If you have both, your provider must file with Quest after TRICARE has paid its portion.

## Sources * **TRICARE West Region (TriWest):** [https://www.triwest.com](https://www.triwest.com) * **TRICARE.mil Plan Finder:** [https://www.tricare.mil/Plans/Enroll](https://www.tricare.mil/Plans/Enroll) * **Tripler Army Medical Center:** [https://tripler.tricare.mil](https://tripler.tricare.mil) * **JBPHH 15th Medical Group:** [https://hickam.tricare.mil](https://hickam.tricare.mil)