TRICARE Wisconsin: Plans, Providers, and Regional Info | TRICARE.com

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## TRICARE in Wisconsin Wisconsin is part of the **TRICARE East Region**. Comprehensive health care services for military members and their families in the state are managed by **Humana Military**, the regional contractor. While Wisconsin does not have a major active-duty "Mega-Base," it hosts significant Army Reserve and National Guard populations that rely heavily on the TRICARE network across the Great Lakes area.

## Major military installations Wisconsin is home to several critical training and support installations. Because there is no large military treatment facility (MTF) with an inpatient hospital in the state, most beneficiaries utilize the civilian TRICARE network.

* **Fort McCoy (Army):** Located between Sparta and Tomah, this is a major Total Force Training Center. * **Volk Field Air National Guard Base (Air Force):** Located in Camp Douglas. * **General Mitchell Air National Guard Base (Air Force):** Located in Milwaukee. * **Truax Field Air National Guard Base (Air Force):** Located in Madison. * **U.S. Coast Guard Sector Lake Michigan:** Headquartered in Milwaukee with multiple stations along the Lake Michigan and Lake Superior shorelines.

## Plans available in Wisconsin The following TRICARE plans are available to eligible beneficiaries residing in Wisconsin for the 2026 plan year:

| Plan | Best For... | | :--- | :--- | | **TRICARE Prime** | Active duty members and families near Milwaukee or Madison who prefer managed care with no out-of-pocket costs. | | **TRICARE Select** | Those who want to choose their own doctors and don't mind paying an annual deductible and copays. | | **TRICARE Reserve Select (TRS)** | Qualified National Guard and Reserve members (a very common plan in Wisconsin). | | **TRICARE Retired Reserve (TRR)** | Retired Reserve members under the age of 60. | | **TRICARE For Life (TFL)** | Dual-eligible beneficiaries (TRICARE and Medicare) regardless of geographic location. | | **TRICARE Young Adult** | Unmarried children of eligible sponsors who have "aged out" (up to age 26). |

*Note: The US Family Health Plan (USFHP) is **not** available in Wisconsin.*

## Finding care in Wisconsin Because Wisconsin lacks a large military hospital, most beneficiaries receive care through the TRICARE civilian provider network.

* **Provider Directory:** Beneficiaries should use the [Humana Military Provider Locator](https://www.humanamilitary.com/beneficiary/find-care) to search for "Network" providers. Using network providers results in lower out-of-pocket costs (copays) compared to "Non-Network" providers. * **Prime Service Areas (PSA):** TRICARE Prime is generally available within a 40-mile radius of a "Prime Service Area," typically centered around larger cities like Milwaukee and Madison. If you live in a rural part of Northern Wisconsin, TRICARE Select or TRS is often the more flexible option. * **Telehealth:** Humana Military offers robust telehealth options for Wisconsin residents, including behavioral health services through platforms like Doctor On Demand and Telemynd. * **Pharmacy:** Prescriptions can be filled at military pharmacies (like the clinic at Fort McCoy), via Express Scripts Home Delivery, or at retail network pharmacies such as Walgreens or CVS.

Common questions for Wisconsin beneficiaries

**I am a member of the Wisconsin National Guard. Am I eligible for TRICARE?** Yes. Most drilling members of the Wisconsin National Guard qualify for TRICARE Reserve Select (TRS). However, if you are a federal employee eligible for the Federal Employees Health Benefits (FEHB) program, you are currently restricted from TRS (though legislative changes may affect this in future years).

**What happens if I need specialty care near Fort McCoy?** Since the Fort McCoy health clinic has limited services, you will likely be referred to civilian specialists in the Tomah, Sparta, or La Crosse areas. If you are on TRICARE Prime, you must obtain a referral from your Primary Care Manager (PCM) before seeing a specialist.

**Which region covers me if I live in Superior, WI but work in Duluth, MN?** Both Wisconsin and Minnesota are part of the **TRICARE East** region. You will be managed by Humana Military and can seek care across the state line within the East network without changing regions.

## Sources * **Humana Military (TRICARE East):** [humanamilitary.com](https://www.humanamilitary.com) * **TRICARE Official Site:** [tricare.mil](https://www.tricare.mil) * **Fort McCoy Official Site:** [home.army.mil/mccoy](https://home.army.mil/mccoy) * **Express Scripts Pharmacy:** [militaryrx.express-scripts.com](https://militaryrx.express-scripts.com)