TRICARE North Carolina: Plans, Bases, and Network Info | TRICARE.com

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## TRICARE in North Carolina North Carolina is part of the **TRICARE East Region**. Comprehensive health coverage for military members and their families in the state is managed by the regional contractor, **Humana Military**. North Carolina hosts one of the largest concentrations of military personnel in the United States, centered primarily around the massive hubs of Fort Liberty and Camp Lejeune.

## Major military installations North Carolina is home to several major installations across various branches of service:

* **Fort Liberty** (Army - formerly Fort Bragg) – Fayetteville * **Camp Lejeune** (Marine Corps) – Jacksonville * **MCAS Cherry Point** (Marine Corps Air Station) – Havelock * **MCAS New River** (Marine Corps Air Station) – Jacksonville * **Seymour Johnson Air Force Base** (Air Force) – Goldsboro * **Coast Guard Base Elizabeth City** (Coast Guard) – Elizabeth City * **Military Ocean Terminal Sunny Point** (Army) – Southport

## Plans available in North Carolina Residents of North Carolina have access to all major TRICARE plan types depending on their duty status and location:

| Plan Name | Eligibility | Best For | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty, Retirees | Lowest out-of-pocket costs; requires PCM referrals. | | **TRICARE Select** | Active Duty Families, Retirees | Maximum flexibility to see any network provider without a referral. | | **TRICARE Reserve Select (TRS)** | Selected Reserve members | Affordable monthly premiums for qualified National Guard/Reserve members. | | **TRICARE Retired Reserve (TRR)** | Retired Reserve members | Coverage 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** | Adult children age 21–26 | For children no longer eligible for standard TRICARE due to age. |

*Note: The US Family Health Plan (USFHP) is not currently available in North Carolina.*

## Finding care in North Carolina Because North Carolina has such a large military presence, there is a robust network of civilian providers who accept TRICARE.

* **Military Treatment Facilities (MTFs):** If you are enrolled in Prime near a base like Fort Liberty or Camp Lejeune, your primary care will likely be at a base clinic or Womack Army Medical Center / Naval Medical Center Camp Lejeune. * **Network Providers:** Use the [Humana Military Provider Directory](https://www.humanamilitary.com/beneficiary/find-care) to locate civilian doctors in the East Region who have agreements with TRICARE. * **Telehealth:** 2026 TRICARE benefits include robust coverage for telehealth services. Beneficiaries can use Doctor On Demand or other network-approved platforms for urgent care and mental health without a referral (though Prime members generally need a referral for specialty care).

Common questions for North Carolina beneficiaries

**I am PCSing to Fort Liberty. When should I update my coverage?** You should update your address in DEERS as soon as you arrive. Because North Carolina is in the East Region (Humana Military), if you are moving from another East Region state (like Virginia or South Carolina), your contractor stays the same, but you must update your Primary Care Manager (PCM) to a local provider.

**Does North Carolina Medicaid (NC Medicaid) work with TRICARE?** Yes. TRICARE is always the primary payer and Medicaid is the payer of last resort. If you are eligible for both, ensure your providers have information for both plans.

**Is there a specific TRICARE office for the Research Triangle area?** There are no major installations in Raleigh/Durham/Chapel Hill, but the area has a dense network of civilian "Network Providers" through Humana Military. Beneficiaries in this area typically utilize TRICARE Select or Prime Remote.

## Sources * TRICARE East Region Contractor: [HumanaMilitary.com](https://www.humanamilitary.com) * Official TRICARE Plan Information: [TRICARE.mil](https://www.tricare.mil) * Defense Enrollment Eligibility Reporting System: [milConnect](https://milconnect.dmdc.osd.mil/) * Womack Army Medical Center: [womack.tricare.mil](https://womack.tricare.mil)