TRICARE Washington: Plans, Providers & Base Info | TRICARE.com

## TRICARE in Washington Washington is part of the **TRICARE West Region**. As of January 1, 2025, the West Region contractor is **TriWest Healthcare Alliance**, which replaced Health Net Federal Services (HNFS). Washington is a high-density military state, home to a massive joint base, major naval operations, and a robust network of military treatment facilities (MTFs).

*Note: TRICARE.com is an independent reference site and is not the official TRICARE program or a government entity. For official policy and the most current enrollment data, visit TRICARE.mil.*

## Major military installations Washington hosts several of the Department of Defense's most critical strategic assets, concentrated primarily around the Puget Sound and Spokane areas:

* **Joint Base Lewis-McChord (JBLM):** Army and Air Force (Tacoma/Lakewood) * **Naval Base Kitsap:** Navy (Bremerton, Bangor, and Keyport) * **Naval Air Station Whidbey Island:** Navy (Oak Harbor) * **Naval Station Everett:** Navy (Everett) * **Fairchild Air Force Base:** Air Force (Spokane) * **Coast Guard Base Seattle:** Coast Guard (Seattle)

## Plans available in Washington Beneficiaries in Washington have access to the full suite of TRICARE programs. Enrollment options depend on your status (Active Duty, Guard/Reserve, or Retired) and your proximity to a military base.

| Plan | Best For | | :--- | :--- | | **TRICARE Prime** | Active duty members and families near bases like JBLM or NAS Whidbey Island. Lowest out-of-pocket costs. | | **TRICARE Select** | Those who want to choose their own doctors and don't mind paying deductibles/copays. No referrals required. | | **TRICARE Reserve Select (TRS)** | Qualified Selected Reserve members and their families. | | **TRICARE Retired Reserve (TRR)** | Retired Reserve members under age 60 and their families. | | **TRICARE For Life (TFL)** | Dual-eligible military retirees who have Medicare Part A and Part B. | | **TRICARE Young Adult** | Unmarried children (ages 21–25) of eligible sponsors who have aged out of regular TRICARE. | | **US Family Health Plan (USFHP)** | Available in certain Puget Sound ZIP codes through **Pacific Medical Centers (PacMed)**. |

## Finding care in Washington Because of the heavy military presence in Western Washington, there is a dense network of civilian providers familiar with TRICARE.

* **Provider Directory:** Use the [TriWest Healthcare Alliance West Region Provider Directory](https://www.triwest.com) to find network doctors, specialists, and hospitals. * **Military Treatment Facilities (MTFs):** Many beneficiaries in Washington receive primary care at **Madigan Army Medical Center** (JBLM), **Naval Hospital Bremerton**, or **Naval Hospital Oak Harbor**. * **Network vs. Non-Network:** Using "Network" providers keeps your 2026 out-of-pocket costs lower. Non-network providers may charge "up to 15% above the TRICARE-allowable amount" (known as excess charges). * **Telehealth:** TriWest provides access to Doctor on Demand and other telehealth platforms for Washington residents, including mental health services which do not require a referral for active duty family members or retirees.

Common questions for Washington beneficiaries

**Can I use the US Family Health Plan in Washington?** Yes, if you live in the Puget Sound area (including parts of Seattle, Tacoma, and Everett). This plan is managed locally by **Pacific Medical Centers (PacMed)**. If you enroll in USFHP, you receive all your care through PacMed providers rather than at military bases.

**What happens if I move from JBLM to a different state?** A move is a Qualifying Life Event (QLE). You must update your address in DEERS first. If you move out of the West Region to the East Region (e.g., to Fort Liberty, NC), your coverage will transition from TriWest to Humana Military.

**Are there specific TRICARE rules for the Washington Apple Health (Medicaid) program?** If you are eligible for both TRICARE and Washington Apple Health, TRICARE pays first as the primary payer. Apple Health is the payer of last resort.

## Sources * **TRICARE West Region (TriWest):** [https://www.triwest.com](https://www.triwest.com) * **Official TRICARE Plan Finder:** [https://www.tricare.mil/Plans/PlanFinder](https://www.tricare.mil/Plans/PlanFinder) * **US Family Health Plan (PacMed):** [https://www.usfhpnw.org](https://www.usfhpnw.org) * **Defense Health Agency (DHA):** [https://health.mil](https://health.mil)