TRICARE Nevada: Plans, Providers, and TriWest Guide | TRICARE.com

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## TRICARE in Nevada Nevada is part of the **TRICARE West Region**. As of January 1, 2025, the West regional contractor is **TriWest Healthcare Alliance**, which replaced Health Net Federal Services (HNFS) under the new T-5 contract. Beneficiaries in Nevada, including those at Nellis and Fallon, manage their care, authorizations, and claims through TriWest.

## Major military installations Nevada is home to several critical Air Force and Navy installations that serve as the primary hubs for military medicine in the state:

* **Nellis Air Force Base** (Las Vegas) - Home to the Mike O'Callaghan Military Medical Center. * **Creech Air Force Base** (Indian Springs) - Primarily served by Nellis AFB facilities. * **Naval Air Station (NAS) Fallon** (Fallon) - Home of "TOPGUN" and the Naval Aviation Warfighting Development Center. * **Nevada National Guard Headquarters** (Carson City/Reno). * **Hawthorne Army Depot** (Hawthorne).

## Plans available in Nevada Residents of Nevada have access to the following TRICARE plans depending on their service status:

| Plan | Eligibility | Notes | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty, Retirees | Managed care with a Primary Care Manager (PCM). Las Vegas is a Prime Service Area. | | **TRICARE Select** | Active Duty families, Retirees | PPO-style plan; more flexibility to choose doctors without a referral. | | **TRICARE Reserve Select (TRS)** | Qualified Select Reservists | Premium-based health plan for National Guard and Reserve members. | | **TRICARE Retired Reserve (TRR)** | Qualified Retired Reservists | Premium-based plan for "gray area" retirees under age 60. | | **TRICARE For Life (TFL)** | Medicare-eligible retirees | Wraparound coverage for those with Medicare Part A and B. | | **TRICARE Young Adult (TYA)** | Adult children (ages 21–25) | Available in Prime or Select formats for those not otherwise eligible. |

*Note: The US Family Health Plan (USFHP) is NOT available in Nevada as of 2026/2027.*

## Finding care in Nevada In Nevada, the way you find care depends largely on your proximity to Las Vegas or Fallon.

* **Provider Directory:** Because Nevada is in the West Region, you must use the **TriWest Healthcare Alliance** provider directory to find network doctors, specialists, and hospitals. * **Military Treatment Facilities (MTFs):** If you are enrolled in TRICARE Prime and live near Nellis AFB, your Primary Care Manager (PCM) will likely be at the Mike O'Callaghan Military Medical Center. * **Network vs. Non-Network:** Using TriWest network providers results in lower out-of-pocket costs for TRICARE Select and Reserve Select members. If you see a non-network provider, you may have to pay "up-front" and file your own claims. * **Telehealth:** Nevada beneficiaries have access to Doctor on Demand and other TriWest-approved telehealth portals for urgent care and behavioral health, which can be critical for those living in rural Northern Nevada or near the Hawthorne Army Depot.

Common questions for Nevada beneficiaries

**I am PCSing to Nellis AFB; how do I switch my coverage?** You must update your address in DEERS first. Once settled, you can transfer your enrollment to the West Region via the TriWest portal or by calling 1-844-866-WEST. Because Nevada moved to TriWest in 2025, ensure your payment information for premiums is updated in their new system.

**Is there a TRICARE Prime Service Area (PSA) in Reno?** While Reno is a major city, it is not always designated as a Prime Service Area (PSA) depending on the current year’s contract maps. If you live outside a PSA, you may be required to enroll in TRICARE Select or use the "Prime Remote" option if active duty.

**How does TRICARE interact with Nevada Medicaid?** If you are eligible for both TRICARE and Nevada Medicaid (Nevada Check Up), TRICARE always pays first. Medicaid is the payer of last resort. You must inform your providers that you have both coverages to ensure proper billing.

## Sources * **TriWest Healthcare Alliance (West Contractor):** [triwest.com](https://www.triwest.com) * **TRICARE.mil Plan Finder:** [tricare.mil/Plans/Enroll](https://www.tricare.mil/Plans/Enroll) * **Mike O'Callaghan Military Medical Center:** [nellis.tricare.mil](https://nellis.tricare.mil) * **Defense Health Agency (T-5 Contract Info):** [health.mil](https://health.mil)