TRICARE Virginia: Naval Station Norfolk & East Region Guide

Virginia is a cornerstone of the military health system, home to the largest concentration of naval forces in the world. As of 2026, Virginia is part of the **TRICARE East Region**, managed by the regional contractor **Humana Military**. Beneficiaries in Virginia, particularly those near Naval Station Norfolk, have access to an extensive network of military hospitals, clinics, and civilian providers.

*Note: TRICARE.com is an independent reference site and is not the official TRICARE program or the Department of Defense. Visit [TRICARE.mil](https://www.tricare.mil) for official policy and enrollment.*

## TRICARE in Virginia Virginia is firmly situated in the **TRICARE East Region**. While the TRICARE West Region transitioned to TriWest Healthcare Alliance in 2025, the East Region remains under the management of **Humana Military**. Because of the high density of military personnel in the Hampton Roads and Northern Virginia areas, the state offers some of the most robust provider networks in the country, including specialized plans like the US Family Health Plan (USFHP).

## Major military installations Virginia hosts dozens of installations across all service branches. Key hubs include: * **Naval Station Norfolk (Navy):** Norfolk – The world’s largest naval base and the primary hub for TRICARE East beneficiaries in Hampton Roads. * **Joint Base Langley-Eustis (Air Force/Army):** Hampton/Newport News. * **Joint Base Myer-Henderson Hall (Army/Marines):** Arlington. * **Marine Corps Base Quantico (Marines):** Triangle. * **Fort Belvoir (Army):** Fairfax County. * **Fort Gregg-Adams (Army):** Prince George (formerly Fort Lee). * **NAS Oceana (Navy):** Virginia Beach.

## Plans available in Virginia Beneficiaries in Virginia can choose from several plans based on their status and location:

| Plan | Best For | Notes for Virginia | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty & Families | Requires enrollment; primary care usually at MTFs like NMCP. | | **TRICARE Select** | All non-active duty | More flexibility to see civilian providers without a referral. | | **TRICARE Reserve Select** | Qualified Reservists | Monthly premiums apply (2026 rates apply). | | **TRICARE Retired Reserve** | Retired Reservists < 60 | Higher monthly premiums for retired members. | | **TRICARE For Life** | Medicare-eligible retirees | Wraparound coverage for Medicare Part A and B. | | **US Family Health Plan** | Families & Retirees | Available in specific ZIP codes near Hampton Roads via Brighton Marine. |

## Finding care in Virginia For those stationed at **Naval Station Norfolk**, your primary hub for care is the **Naval Medical Center Portsmouth (NMCP)** and its associated branch clinics (Tidewater Multi-Service Market).

* **Provider Directory:** To find civilian network providers in Virginia, use the Humana Military East Region provider search tool. * **Network vs. Non-Network:** Using network providers will significantly lower your out-of-pocket costs for TRICARE Select and TRICARE Prime (when referred). Virginia has a high "saturation" of network providers, meaning finding a participating doctor is generally easier than in more rural states. * **Telehealth:** Humana Military offers robust telehealth options for Virginia residents. In 2026, many behavioral health appointments can be conducted via secure video, though certain state-specific licensing regulations for providers may apply.

Common questions for Virginia beneficiaries

**I am PCSing to Naval Station Norfolk. How do I switch my coverage?** You should visit the TRICARE "Moving" portal or call Humana Military once you have arrived in Virginia. Since you are moving within or into the East Region, you must update your address in DEERS first, then request a primary care manager (PCM) change if you are on TRICARE Prime.

**Can I use the US Family Health Plan (USFHP) in Norfolk?** Yes. Portions of Virginia, particularly the Hampton Roads area, are covered by the US Family Health Plan. This is a TRICARE Prime option offered through private, not-for-profit healthcare systems like Brighton Marine. If you enroll in USFHP, you cannot get care at military hospitals or clinics except in emergencies.

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

## Sources * [Humana Military (TRICARE East)](https://www.humanamilitary.com/) * [Naval Medical Center Portsmouth](https://portsmouth.tricare.mil/) * [TRICARE.mil - Moving to Virginia](https://www.tricare.mil/moving) * [US Family Health Plan](https://www.usfhp.com/)