Texas TRICARE & JBSA Guide: 2026 Plans & Contractors | TRICARE.com

*Notice: TRICARE.com is an independent reference site and is not the official TRICARE program or affiliated with the Department of Defense. For official policy and the most current data, visit TRICARE.mil.*

## TRICARE in Texas Texas is part of 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 in 2025, Texas remains firmly in the East Region, ensuring stability for families navigating the massive Joint Base San Antonio (JBSA) healthcare system.

## Major Military Installations in Texas Texas is home to some of the largest and most critical military installations in the United States, several of which fall under the JBSA umbrella:

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

## Plans Available in Texas Texas residents have access to the full suite of TRICARE programs. Notably, parts of Texas also offer the US Family Health Plan (USFHP), a unique TRICARE Prime option provided through local not-for-profit health care systems.

| Plan | Best For... | | :--- | :--- | | **TRICARE Prime** | Active duty and families near JBSA or Fort Cavazos; lower out-of-pocket costs. | | **TRICARE Select** | Those who want to choose their own doctors without a primary care manager. | | **TRICARE Reserve Select** | Qualified National Guard and Reserve members. | | **TRICARE Retired Reserve** | Retired Reserve members under age 60 and their families. | | **TRICARE For Life** | Retirees with Medicare Part A and B. | | **TRICARE Young Adult** | Adult children who have aged out of regular TRICARE but are under 26. | | **US Family Health Plan** | Available in Southeast Texas through CHRISTUS Health. |

## Finding Care in Texas Beneficiaries in Texas can find care through the **Humana Military Provider Directory**. Because of the high density of military installations, many beneficiaries near San Antonio or Killeen will seek care primarily at Military Medical Treatment Facilities (MTFs) like the San Antonio Military Medical Center (SAMMC).

* **Network vs. Non-Network:** Using Humana Military network providers results in lower 2026 cost-shares. Non-network providers may charge up to 15% above the TRICARE-allowable charge. * **Telehealth:** TRICARE covers secure video conferencing for many services. In Texas, Humana Military partners with platforms like Doctor On Demand to provide 24/7 access to urgent care and mental health services. * **San Antonio Market:** JBSA operates as a unified "market," meaning your care may shift between Lackland, Randolph, or Fort Sam Houston depending on specialty availability.

Common Questions for Texas Beneficiaries

**If I am PCSing to JBSA, when should I switch my enrollment?** You should contact Humana Military as soon as you arrive at your new Texas address. Do not disenroll from your previous region until you have arrived; TRICARE allows for a "seamless" transfer to ensure no gap in coverage.

**Can I use TRICARE and Texas Medicaid simultaneously?** Yes. By law, TRICARE pays before Medicaid. Medicaid is always the payer of last resort. If you have both, show both ID cards to your provider.

**Does the US Family Health Plan cover all of Texas?** No. In Texas, the US Family Health Plan is primarily available in the Gulf Coast and Southeast regions (including Houston, Beaumont, and Galveston) through CHRISTUS Health. It is not available in all parts of North or West Texas.

## Sources 1. **TRICARE East Regional Contractor:** [HumanaMilitary.com](https://www.humanamilitary.com) 2. **Official TRICARE Plan Finder:** [TRICARE.mil/Plans](https://www.tricare.mil/Plans) 3. **JBSA Official Medical Site:** [jbsa.mil/Resources/Medical](https://www.jbsa.mil) 4. **US Family Health Plan Texas:** [usfhp.com](https://www.usfhp.com)