TRICARE Nevada: Creech AFB & West Region Guide | TRICARE.com

TRICARE in Nevada

Nevada is part of the **TRICARE West Region**. Since January 1, 2025, the regional contractor for Nevada is **TriWest Healthcare Alliance**, which replaced the previous contractor, Health Net Federal Services. Residents in Nevada, including those at Creech Air Force Base, utilize TriWest's provider networks and administrative services for their healthcare management.

*Note: TRICARE.com is an independent reference site and is not the official TRICARE program. For official enrollment and policy information, visit TRICARE.mil.*

Major military installations

Nevada is home to several high-tempo military installations, with a heavy concentration in the southern part of the state near Las Vegas.

* **Creech Air Force Base:** Indian Springs (The primary hub for Remotely Piloted Aircraft/RPA operations). * **Nellis Air Force Base:** Las Vegas (Home to the U.S. Air Force Warfare Center). * **Naval Air Station (NAS) Fallon:** Fallon (The legendary "TOPGUN" training site). * **Nevada National Guard:** Carson City/Reno (Army and Air National Guard headquarters). * **Hawthorne Army Depot:** Hawthorne.

Plans available in Nevada

Beneficiaries in Nevada have access to the standard suite of TRICARE plans. Note that while Creech AFB is located in Indian Springs, many personnel live in North Las Vegas or the Las Vegas valley, which impacts their "Prime" service area proximity.

| Plan Name | Eligibility | Highlights | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty & Dependents | Managed care through military clinics or TriWest network; required for Active Duty. | | **TRICARE Select** | All beneficiaries | PPO-style plan with more flexibility; requires annual 2026 enrollment fees for Group A retirees. | | **TRICARE Reserve Select (TRS)** | Qualified Guard/Reserve | Premium-based plan for drilling members not on active duty. | | **TRICARE Retired Reserve (TRR)** | Retired Guard/Reserve | Premium-based plan for "Grey Area" retirees under age 60. | | **TRICARE For Life (TFL)** | Medicare-eligible | Wraparound coverage for those with Medicare Part A and B. | | **TRICARE Young Adult** | Dependents age 21–26 | Available in Prime or Select formats for adult children not yet 26. |

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

Finding care in Nevada

For those stationed at **Creech Air Force Base**, primary care is often managed via the 99th Medical Group. However, because Creech is categorized as a "remotely located" base for many living in the Indian Springs area, you may be eligible for **TRICARE Prime Remote** depending on your residential ZIP code.

* **Provider Directory:** Use the [TriWest Provider Directory](https://www.triwest.com) to search for network providers in Las Vegas, Henderson, or Fallon. * **Network vs. Non-Network:** In the West Region, using a network provider results in lower out-of-pocket costs and no need to file your own claims. Non-network providers may charge up to 15% above the TRICARE-allowable amount. * **Telehealth:** Nevada beneficiaries have access to Doctor on Demand and other telehealth platforms via TriWest. This is particularly useful for those living in Indian Springs or rural areas far from the Las Vegas valley clinics.

Common questions for Nevada beneficiaries

**What if I live in Las Vegas but work at Creech AFB?** Most personnel at Creech commute from the Las Vegas area. Your TRICARE Prime enrollment will likely be tied to the **99th Medical Group at Nellis AFB**. You will typically receive specialty care and primary care through Nellis or through TriWest network providers in North Las Vegas.

**How does TRICARE interact with Nevada Medicaid?** By law, TRICARE is the secondary payer to most health insurance plans, but it is the **primary payer to Medicaid**. If you are a low-income veteran or family member covered by both, TRICARE pays first, and Nevada Medicaid pays last.

**What happens if I PCS to Nevada from the East Region?** Since Nevada is in the West Region, you must transfer your enrollment from Humana Military to **TriWest Healthcare Alliance**. You can do this via the Beneficiary Web Enrollment (BWE) portal or by calling TriWest directly after you have updated your address in DEERS.

## Sources 1. **TRICARE West Region Contractor:** [TriWest Healthcare Alliance](https://www.triwest.com/en/beneficiary/) 2. **Official TRICARE Plan Information:** [TRICARE.mil Plans](https://www.tricare.mil/Plans) 3. **Military Installations in Nevada:** [Military OneSource - Nevada](https://www.militaryonesource.mil) 4. **Pharmacy Benefits:** [Express Scripts TRICARE](https://www.express-scripts.com/tricare)