TRICARE Delaware: Dover AFB and East Region Guide | TRICARE.com

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## TRICARE in Delaware Delaware is part of the **TRICARE East Region**. Beneficiaries in the "First State" receive their health care management and administrative support through **Humana Military**, the regional contractor for the East. Because Delaware is a small state with a heavy concentration of military activity around Dover, most residents live within a designated Prime Service Area (PSA).

## Major military installations Delaware’s military presence is anchored by one major active-duty installation and several National Guard centers:

* **Dover Air Force Base (DAFB):** Air Mobility Command, Dover. * **Delaware Air National Guard Base:** New Castle (Wilmington). * **Army National Guard Headquarters:** Wilmington. * **Bethany Beach Training Site:** Delaware Army National Guard, Bethany Beach.

Dover AFB is the primary hub for military medicine in the state, housing the **436th Medical Group**, which provides outpatient services to thousands of active-duty members and their families.

## Plans available in Delaware Delaware residents have access to the standard suite of TRICARE programs. Enrollment depend on your status (Active Duty, National Guard, or Retiree).

| Plan | Best For... | Key Feature in DE | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty & Families near Dover AFB | Enrollment at 436th Medical Group for primary care. | | **TRICARE Select** | Those wanting more provider choice | No referrals needed; uses Humana Military's network. | | **TRICARE Reserve Select** | National Guard members | Premium-based plan for "grey area" and drilling guardsmen. | | **TRICARE Retired Reserve** | Retired Guard members under age 60 | High-premium coverage for early retirees. | | **TRICARE For Life** | Retirees 65+ with Medicare A & B | Wraparound coverage used at any Medicare provider. | | **TRICARE Young Adult** | Adult children age 21–25 | Available in both Prime and Select formats. | | **US Family Health Plan** | Families in Northern DE | Available to those living in zip codes served by the **Johns Hopkins USFHP** network (specifically New Castle County). |

## Finding care in Delaware For beneficiaries enrolled in **TRICARE Prime** near Dover Air Force Base, your Primary Care Manager (PCM) will likely be located at the 436th Medical Group clinic. If you are referred to a specialist or are using **TRICARE Select**, you must use the Humana Military East Region provider directory to find "In-Network" providers to keep your out-of-pocket costs at the 2026 rates.

* **Network Providers:** Have a contract with Humana Military and handle all billing. * **Non-Network Providers:** May charge up to 15% above the TRICARE-allowable amount (Point-of-Service charges). * **Telehealth:** Humana Military offers robust telehealth options for Delaware residents, particularly useful for behavioral health services which can be limited in the southern part of the state (Sussex and Kent counties).

Common questions for Delaware beneficiaries

**Can I use the Flight Medicine clinic at Dover AFB if I’m not active duty?** Generally, no. The Flight Medicine clinic focuses on flyers and active-duty readiness. However, family members and retirees enrolled in Prime are typically seen at the Family Health or Pediatric clinics within the 436th Medical Group.

**What happens if I move from Dover AFB to a different state?** A move is a Qualifying Life Event (QLE). You must update your address in DEERS and contact Humana Military (or TriWest if moving West) to transfer your enrollment within 90 days to avoid a gap in coverage.

**Is there a US Family Health Plan (USFHP) option in Delaware?** Yes, but accessibility depends on your zip code. Residents in Northern Delaware (New Castle County) are often eligible for the US Family Health Plan through Johns Hopkins Medicine, which provides an alternative to standard TRICARE Prime using a civilian network.

## Sources 1. **Humana Military (East Region Contractor):** [humanamilitary.com](https://www.humanamilitary.com) 2. **436th Medical Group - Dover AFB:** [dover.tricare.mil](https://dover.tricare.mil) 3. **US Family Health Plan (Johns Hopkins):** [hopkinsmedicine.org/usfhp](https://www.hopkinsmedicine.org/us-family-health-plan) 4. **Official TRICARE Plan Finder:** [tricare.mil/plans](https://tricare.mil/plans)