TRICARE Texas: Fort Cavazos & East Region Guide 2026 | TRICARE.com

*TRICARE.com is an independent reference site and is not a government agency. For official policy and enrollment, visit TRICARE.mil.*

## TRICARE in Texas Texas is located entirely within the **TRICARE East Region**. Comprehensive health care services for Texas beneficiaries are managed by the regional contractor, **Humana Military**. While the TRICARE West Region transitioned to TriWest Healthcare Alliance on January 1, 2025, Texas remains firmly in the East Region under Humana Military’s oversight.

## Major military installations Texas is home to some of the largest and most strategically important military installations in the world, headlined by Fort Cavazos. * **Fort Cavazos (formerly Fort Hood):** Army - Killeen/Copperas Cove * **Joint Base San Antonio (Fort Sam Houston, Lackland AFB, Randolph AFB):** Army/Air Force - San Antonio * **Fort Bliss:** Army - El Paso * **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 residents have access to the full suite of TRICARE programs. Eligibility depends on your military status (Active Duty, Guard/Reserve, or Retired).

| Plan Type | Eligibility/Notes | | :--- | :--- | | **TRICARE Prime** | Managed care option for Active Duty and their families; required for ADSMs near bases like Fort Cavazos. | | **TRICARE Select** | PPO-style plan with more provider choice; available for family members and retirees. | | **TRICARE Reserve Select (TRS)** | Premium-based plan for qualified members of the Selected Reserve. | | **TRICARE Retired Reserve (TRR)** | Premium-based plan for retired National Guard and Reserve members under age 60. | | **TRICARE For Life (TFL)** | Medicare-wrap-around coverage for retirees 65+ with Medicare Parts A and B. | | **TRICARE Young Adult** | Option for adult children age 21–26 who are not otherwise eligible for their own employer coverage. | | **US Family Health Plan (USFHP)** | Available in specific Texas zip codes (primarily Southeast/Houston area) via CHRISTUS Health. |

## Finding care in Texas Texas beneficiaries have multiple avenues for care. Beneficiaries at **Fort Cavazos** typically receive primary care at the Carl R. Darnall Army Medical Center (CRDAMC).

1. **Military Hospitals and Clinics:** Priority is given to TRICARE Prime enrollees. 2. **Network Providers:** Use the [Humana Military Provider Directory](https://www.humanamilitary.com) to find civilian doctors in the East Region who have agreed to TRICARE's payment rates and administrative requirements. 3. **Telehealth:** Humana Military offers robust telehealth options for Texas residents, including mental health services and urgent care through partners like Doctor on Demand. 4. **Specialty Care at Fort Cavazos:** Most specialty referrals from Darnall Army Medical Center are routed through the TRICARE network if the MTF (Military Treatment Facility) is at capacity.

Common questions for Texas beneficiaries

**What happens if I PCS from Fort Cavazos to a base in the West Region?** Since Texas is in the East Region (Humana Military) and states like New Mexico or Colorado are in the West Region (TriWest), you must transfer your enrollment. You can do this via the Beneficiary Web Enrollment (BWE) portal or by calling your new regional contractor after you arrive at your new duty station.

**Does TRICARE work with Texas Medicaid?** By law, TRICARE is the secondary payer to most other health insurance plans, but it is the **primary** payer to Medicaid. If you have both, TRICARE pays first, and Texas Medicaid is the payer of last resort.

**Can I use the US Family Health Plan (USFHP) at Fort Cavazos?** No. USFHP in Texas is specifically offered through CHRISTUS Health and is generally restricted to the Houston, Galveston, and Beaumont areas. Beneficiaries in the Killeen/Fort Cavazos area typically utilize TRICARE Prime (at the MTF) or TRICARE Select.

## Sources * **TRICARE East Regional Contractor:** [Humana-Military.com](https://www.humanamilitary.com) * **Official TRICARE Site:** [TRICARE.mil](https://www.tricare.mil) * **Carl R. Darnall Army Medical Center:** [darnall.tricare.mil](https://darnall.tricare.mil) * **Defense Health Agency:** [health.mil](https://health.mil)