TRICARE Texas & Fort Bliss: Coverage, Plans, and Doctors | TRICARE.com

*Disclaimer: TRICARE.com is an independent reference site and is not an official government platform. For official policy, enrollment, and personal health data, visit TRICARE.mil.*

## TRICARE in Texas Texas is uniquely divided between the **TRICARE East** and **TRICARE West** regions. While the majority of the state falls under the East Region (managed by **Humana Military**), several western counties, including El Paso and the area surrounding **Fort Bliss**, are part of the West Region. As of January 1, 2025, **TriWest Healthcare Alliance** is the official contractor for the West Region, replacing Health Net Federal Services (HNFS).

## Major military installations Texas is home to some of the largest and most strategically significant military bases in the world. Key installations include:

* **Fort Bliss:** (Army) - El Paso * **Fort Cavazos:** (formerly Fort Hood; Army) - Killeen * **Joint Base San Antonio (JBSA):** (Air Force/Army) - San Antonio (includes Lackland, Randolph, and Fort Sam Houston) * **Dyess Air Force Base:** (Air Force) - Abilene * **Laughlin Air Force Base:** (Air Force) - Del Rio * **Goodfellow Air Force Base:** (Air Force) - San Angelo * **Naval Air Station Corpus Christi:** (Navy) - Corpus Christi * **Sheppard Air Force Base:** (Air Force) - Wichita Falls

## Plans available in Texas Texas beneficiaries have access to a full suite of TRICARE plans. Because Fort Bliss sits on the regional border, residents must verify their ZIP code to determine if they are managed by Humana Military or TriWest.

| Plan Type | Eligibility/Description | | :--- | :--- | | **TRICARE Prime** | Managed care option for active duty and retirees near military hospitals. | | **TRICARE Select** | PPO-style plan with flexibility to see any authorized provider. | | **TRICARE Reserve Select** | Premium-based plan for qualified Selected Reserve members. | | **TRICARE Retired Reserve** | Premium-based plan for retired Reserve/Guard members under age 60. | | **TRICARE For Life** | Medicare-wraparound coverage for those with Medicare Parts A & B. | | **TRICARE Young Adult** | For adult children (21–25) who are not eligible for their own employer coverage. | | **US Family Health Plan** | Available in specific parts of Texas via CHRISTUS Health. |

*Note: Enrollees in the El Paso/Fort Bliss area typically use the TRICARE West regional contractor (TriWest).*

## Finding care in Texas Finding a provider depends on your specific Texas location and plan:

1. **Direct Care:** If you are enrolled in TRICARE Prime at Fort Bliss, your primary point of care is the **William Beaumont Army Medical Center (WBAMC)**. 2. **Network Providers:** Use the online provider directory for your specific region. For Fort Bliss/El Paso, use the **TriWest Healthcare Alliance** directory. For Central or East Texas (e.g., San Antonio, Fort Cavazos), use **Humana Military**. 3. **Non-Network Providers:** TRICARE Select members can use non-network providers but will face higher out-of-pocket costs and 2026 cost-shares. 4. **Telehealth:** Secure video appointments are available through regional contractors. Many Texas beneficiaries use Doctor On Demand or Teledoc, depending on specific plan network agreements.

Common questions for Texas beneficiaries

**What happens if I PCS from Fort Cavazos (East) to Fort Bliss (West)?** Because you are crossing from the East Region to the West Region, you must update your address in DEERS and contact TriWest Healthcare Alliance to transfer your enrollment. Your coverage does not "move" automatically between contractors.

**Can I use the US Family Health Plan in Texas?** Yes, but only in specific areas. The US Family Health Plan (USFHP) is offered through **CHRISTUS Health** in parts of Southeast Texas and the Gulf Coast. It is a Prime-like option where you receive care from civilian providers instead of military facilities.

**How does TRICARE interact with Texas Medicaid?** TRICARE is always the primary payer to Medicaid. If you or a family member are dual-eligible, the healthcare provider must bill TRICARE first. Texas Medicaid is the payer of last resort.

## Sources * TRICARE West Region (TriWest): [triwest.com](https://www.triwest.com) * TRICARE East Region (Humana Military): [humanamilitary.com](https://www.humanamilitary.com) * William Beaumont Army Medical Center: [william-beaumont.tricare.mil](https://william-beaumont.tricare.mil) * TRICARE Official Site: [tricare.mil](https://www.tricare.mil)