TRICARE North Carolina: Fort Liberty & East Region Guide | TRICARE.com

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## TRICARE in North Carolina North Carolina is part of the **TRICARE East Region**. Comprehensive health care services for service members and their families are managed by the regional contractor, **Humana Military**. Beneficiaries in North Carolina, particularly those stationed at Fort Liberty, have access to a robust network of civilian providers and some of the largest Military Treatment Facilities (MTFs) in the Department of Defense.

## Major military installations North Carolina is home to several major installations across all branches of service: * **Fort Liberty:** (Army) Located in Fayetteville/Spring Lake; formerly known as Fort Bragg. * **Camp Lejeune:** (Marine Corps) Located in Jacksonville. * **Marine Corps Air Station (MCAS) Cherry Point:** (Marine Corps) Located in Havelock. * **Seymour Johnson Air Force Base:** (Air Force) Located in Goldsboro. * **MCAS New River:** (Marine Corps) Located in Jacksonville. * **Coast Guard Base Elizabeth City:** (Coast Guard) Located in Elizabeth City.

## Plans available in North Carolina Residents of North Carolina have access to the full suite of TRICARE programs. Enrollment usually depends on your military status (active duty, Guard/Reserve, or retired).

| Plan | Best For... | | :--- | :--- | | **TRICARE Prime** | Active duty and families near bases like Fort Liberty who want managed care with $0 out-of-pocket costs. | | **TRICARE Select** | Those who want to choose their own doctors and don't mind paying an annual deductible and copays (2026 rates apply). | | **TRICARE Reserve Select** | Qualified Selected Reserve members and their families (requires monthly premiums). | | **TRICARE Retired Reserve** | Retired Reserve members under age 60. | | **TRICARE For Life** | Retirees with Medicare Part A and B; acts as secondary coverage to Medicare. | | **TRICARE Young Adult** | Unmarried adult children (ages 21–25) who have aged out of regular TRICARE. |

## Finding care in North Carolina Beneficiaries in North Carolina can receive care through two primary channels: Military Treatment Facilities (MTFs) or the civilian TRICARE network.

* **Womack Army Medical Center (Fort Liberty):** This is the primary MTF for the Fayetteville area. If you are enrolled in TRICARE Prime, you will likely be assigned a Primary Care Manager (PCM) here. * **Civilian Network:** For those on TRICARE Select or those at Fort Liberty who cannot be seen at Womack due to capacity, use the **Humana Military Provider Directory** to find "network" providers. Using a network provider ensures lower out-of-pocket costs compared to "non-network" providers. * **Telehealth:** Humana Military offers robust telehealth options for North Carolina residents. Services like Doctor On Demand and Televisits are available for urgent care and behavioral health, often with no referral required for Select North Carolina beneficiaries.

Common questions for North Carolina beneficiaries

**What happens if I am PCSing to Fort Liberty?** If you are moving to North Carolina, you must update your address in DEERS immediately. Once settled, contact Humana Military to transfer your enrollment to the East Region. If you are Prime, you will be assigned a new PCM at Womack or a nearby community clinic.

**Can I use TRICARE with North Carolina Medicaid?** Yes. By law, TRICARE pays secondary to most health insurance plans, but it pays *primary* to Medicaid. If you are eligible for both in North Carolina, your providers must bill TRICARE first.

**Where do I fill prescriptions in North Carolina?** You can use the pharmacy at Womack Army Medical Center or Naval Medical Center Camp Lejeune for $0 copays. For civilian options, Express Scripts manages a network of retail pharmacies (like CVS, Walgreens, or Harris Teeter) throughout the state.

## Sources 1. **Humana Military (East Region Contractor):** [humanamilitary.com](https://www.humanamilitary.com) 2. **TRICARE.mil Plan Finder:** [tricare.mil/Plans/HealthPlans](https://www.tricare.mil/Plans/HealthPlans) 3. **Womack Army Medical Center:** [womack.tricare.mil](https://womack.tricare.mil) 4. **Express Scripts Pharmacy:** [militaryrx.express-scripts.com](https://militaryrx.express-scripts.com)