TRICARE West Virginia: Plans, Providers & Guard Hq Guide | TRICARE.com

*TRICARE.com is an independent reference site and is not affiliated with the Department of Defense or the official TRICARE program. For official policy and the most up-to-date figures, visit TRICARE.mil.*

## TRICARE in West Virginia West Virginia is part of the **TRICARE East Region**. Comprehensive health care coverage and administrative services in the state are managed by the regional contractor, **Humana Military**. Because West Virginia has no large active-duty installations, many beneficiaries rely on a network of civilian providers and the West Virginia National Guard infrastructure for administrative support and readiness.

## Major military installations While West Virginia does not host major active-duty "Mega-bases," it is home to critical National Guard and training facilities that serve as hubs for TRICARE beneficiaries:

* **West Virginia National Guard Headquarters (Joint Force HQ):** Charleston * **130th Airlift Wing (Yeager Air National Guard Base):** Charleston * **167th Airlift Wing:** Martinsburg * **Camp Dawson (Army National Guard Training Site):** Kingwood * **Navy Information Operations Command (NIOC) Sugar Grove:** Sugar Grove (Closed/Transitioned; limited services nearby)

## Plans available in West Virginia West Virginia residents have access to the standard suite of TRICARE programs. Because much of the state is considered "remote" or outside a Prime Service Area (PSA), TRICARE Prime Remote is a common choice for those on active duty.

| Plan | Best For | | :--- | :--- | | **TRICARE Prime** | Active duty and retirees in defined Prime Service Areas (mostly near Martinsburg/Charleston). | | **TRICARE Prime Remote** | Active duty and families living in rural West Virginia away from military clinics. | | **TRICARE Select** | Those who want to manage their own specialty care without referrals (requires 2026 enrollment fees for Group A retirees). | | **TRICARE Reserve Select (TRS)** | Qualified National Guard members (Title 32) and their families. | | **TRICARE Retired Reserve** | Retired Guard/Reserve members under age 60. | | **TRICARE For Life** | Dual-eligible beneficiaries with Medicare Part A and B. | | **TRICARE Young Adult** | Adult children up to age 26 who are not otherwise eligible for their own employer insurance. |

## Finding care in West Virginia Since West Virginia lacks a major military treatment facility (MTF) with full inpatient capabilities, most beneficiaries use the **Humana Military Provider Directory** to find civilian network providers.

* **Network vs. Non-Network:** In 2026, using a network provider results in lower out-of-pocket costs and no need to file your own claims. In rural areas like the Potomac Highlands, you may need to use non-network providers; check with Humana Military regarding "Point of Service" charges. * **Telehealth:** TRICARE covers secure video conferencing for many primary care and mental health services in West Virginia. This is particularly useful for beneficiaries in the Appalachian regions where specialty care travel times can be significant. * **Pharmacy:** While some may use the clinic at the 167th Airlift Wing for limited needs, most West Virginians utilize the **Express Scripts** mail-order pharmacy or retail network pharmacies (like CVS, Walgreens, or local apothecaries).

Common questions for West Virginia beneficiaries

**I am a member of the WV National Guard; who handles my Line of Duty (LOD) care?** If you are injured during drill or on active orders, your medical care is coordinated through the West Virginia National Guard Medical Command (MEDCOM) at the Charleston Headquarters. Ongoing care for LOD injuries is managed differently than standard TRICARE Reserve Select.

**Does West Virginia Medicaid work with TRICARE?** Yes. TRICARE is always the first payer, and West Virginia Medicaid (Mountain Health Trust) is the payer of last resort. If you have both, show both ID cards to your doctor so they can bill correctly.

**Moving to West Virginia (PCS) from a West Region state?** If you are moving from a state like Ohio or Kentucky (which are in the East) to West Virginia, your contractor stays the same. If you are moving from a West Region state (managed by TriWest), you must contact Humana Military to transfer your enrollment and update your address in DEERS.

## Sources * TRICARE East Region (Humana Military): [humanamilitary.com](https://www.humanamilitary.com) * Official TRICARE Site: [tricare.mil](https://www.tricare.mil) * West Virginia National Guard: [wv.ng.mil](https://www.wv.ng.mil) * Defense Enrollment Eligibility Reporting System (DEERS): [idco.dmdc.osd.mil/idco/](https://idco.dmdc.osd.mil/idco/)