TRICARE Wisconsin: Fort McCoy & Regional Coverage Guide | 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 the regional contractor, **Humana Military**. While Wisconsin does not have a large active-duty naval or air base, it serves as a critical hub for the Army Reserve and National Guard, centered primarily around Fort McCoy.

## Major military installations Wisconsin is a vital training ground for the Total Force, particularly for the Reserve and National Guard components. * **Fort McCoy (Army):** Located between Sparta and Tomah in Monroe County. It is the only U.S. Army installation in Wisconsin and one of the most active Reserve Component training facilities in the United States. * **Volk Field Air National Guard Base (Air Force):** Located in Camp Douglas; serves as a Combat Readiness Training Center. * **General Mitchell Air National Guard Base (Air Force):** Located in Milwaukee; home to the 128th Air Refueling Wing. * **Truax Field Air National Guard Base (Air Force):** Located in Madison; home to the 115th Fighter Wing.

## Plans available in Wisconsin Beneficiaries in Wisconsin can choose from several plans depending on their service status and location.

| Plan | Best For | | :--- | :--- | | **TRICARE Prime** | Active duty members and families living in "Prime Service Areas" (usually near Milwaukee or Madison). | | **TRICARE Select** | Those who want to choose their own doctors and don't mind higher out-of-pocket costs; available statewide. | | **TRICARE Reserve Select** | Qualified Selected Reserve members and their families (huge footprint in WI). | | **TRICARE For Life** | Retirees with Medicare Part A and B; acts as secondary payer to Medicare. | | **TRICARE Retired Reserve** | Retired Reserve members under age 60 and their families. | | **TRICARE Young Adult** | Unmarried children (ages 21–25) of eligible sponsors. |

*Note: The US Family Health Plan (USFHP) is generally not available in Wisconsin as the state is outside the designated USFHP service areas.*

## Finding care in Wisconsin Because Fort McCoy is a training installation, it has limited on-base medical facilities (typically clinics for active-duty training requirements). Most TRICARE beneficiaries in Wisconsin receive their primary and specialty care from civilian providers in the TRICARE network.

* **Provider Directory:** Use the [Humana Military East Region Directory](https://www.humanamilitary.com/beneficiary/find-care) to search for network doctors in cities like La Crosse, Sparta, Tomah, Madison, and Milwaukee. * **Network vs. Non-Network:** Using network providers will result in lower out-of-pocket costs for TRICARE Select and Reserve Select users. * **Telehealth:** Humana Military offers robust telehealth options for Wisconsin residents, which is particularly useful for those in rural areas surrounding Fort McCoy. Mental health services via telehealth are widely available for 2026.

Common questions for Wisconsin beneficiaries

**I am a Reservist training at Fort McCoy. How do I get medical care?** Active duty and Reserve members on orders for more than 30 days are covered under TRICARE Prime or Prime Remote. For minor issues during training, you will typically use the Fort McCoy Occupational Health Clinic or the Troop Medical Clinic (TMC) on post. For emergencies, local civilian hospitals in Tomah or Sparta are used.

**Does Wisconsin Medicaid (BadgerCare Plus) work with TRICARE?** Yes. If you have both TRICARE and BadgerCare Plus, TRICARE pays first as the primary payer, and Medicaid is the "payer of last resort." You must inform your providers that you have both coverages to ensure proper billing.

**What happens if I move from Wisconsin (East Region) to a West Region state?** If you PCS or move to a West Region state (like Minnesota or Iowa), your coverage must be transferred to **TriWest Healthcare Alliance**, the West Region contractor as of 2025. You can manage this through the "Enroll or Purchase a Plan" tool on milConnect.

## Sources * [TRICARE East Region - Humana Military](https://www.humanamilitary.com/) * [Fort McCoy Official Site](https://home.army.mil/mccoy/) * [TRICARE.mil Plan Finder](https://www.tricare.mil/Plans/PlanFinder) * [Defense Health Agency - T-5 Contract Info](https://www.health.mil/Military-Health-Topics/Business-Support/Partnering-with-the-DHA/TRICARE-Health-Plan-Contracts)