TRICARE Florida: Plans, Providers & Base Guide (2026) | TRICARE.com

TRICARE in Florida

Florida is part of the **TRICARE East Region**. All TRICARE beneficiaries in the state are managed by the regional contractor, **Humana Military**. Because Florida has one of the highest concentrations of military retirees and active-duty families in the country, the state features a robust network of civilian providers alongside some of the world’s largest military treatment facilities (MTFs).

*Note: TRICARE.com is an independent reference site and is not the official TRICARE program or a government agency. For official policy and enrollment, visit [TRICARE.mil](https://www.tricare.mil).*

Major military installations

Florida is home to major installations spanning every branch of service. High-volume TRICARE populations are concentrated near:

* **Eglin Air Force Base** – Valparaiso/Fort Walton Beach (Air Force) * **MacDill Air Force Base** – Tampa (Air Force/USCENTCOM) * **Naval Air Station Jacksonville** – Jacksonville (Navy) * **Naval Air Station Pensacola** – Pensacola (Navy) * **Patrick Space Force Base** – Cocoa Beach (Space Force) * **Tyndall Air Force Base** – Panama City (Air Force) * **Naval Station Mayport** – Jacksonville (Navy) * **Hurlburt Field** – Mary Esther (Air Force Special Operations)

Plans available in Florida

Florida residents have access to the full suite of TRICARE programs. Note that the **US Family Health Plan (USFHP)** is available in specific parts of Southern Florida (such as the Miami/Fort Lauderdale area) through Bright Health or similar designated providers.

| Plan | Best For | | :--- | :--- | | **TRICARE Prime** | Active duty families near bases; low out-of-pocket costs with an assigned Primary Care Manager (PCM). | | **TRICARE Select** | Those who want to choose their own doctors; involves annual deductibles and cost-shares. | | **TRICARE Reserve Select (TRS)** | Qualified National Guard and Reserve members (2026 rates apply). | | **TRICARE Retired Reserve (TRR)** | Retired Reserve members under age 60; higher monthly premiums. | | **TRICARE For Life (TFL)** | Retirees with Medicare Parts A & B; acts as secondary payer to Medicare. | | **TRICARE Young Adult (TYA)** | Adult children (up to age 26) who have aged out of standard coverage. |

Finding care in Florida

To find a doctor in Florida, you must use the **Humana Military Provider Directory**.

* **Network vs. Non-Network:** In high-population areas like Jacksonville, Tampa, and Orlando, the Humana Military network is extensive. Using a "Network" provider ensures lower cost-shares and no balance billing. "Non-network" providers may cost significantly more, especially under TRICARE Select. * **Referrals:** If you are on TRICARE Prime, you generally must seek care at a Military Treatment Facility (MTF) first. If the MTF (like the 6th Medical Group at MacDill or Naval Hospital Jacksonville) cannot see you, Humana Military will issue a referral to a civilian specialist. * **Telehealth:** TRICARE covers secure video conferencing for many services. In Florida, Humana Military partners with platforms like Doctor On Demand to provide 24/7 urgent care and mental health visits without a referral for TRICARE Select beneficiaries (Prime still requires PCM coordination).

Common questions for Florida beneficiaries

**What happens if I move (PCS) from Florida to a West Region state?** Since Florida is in the East Region (Humana Military), a move to a West Region state (like Texas or California) means your coverage will transition to **TriWest Healthcare Alliance**. You must update your address in DEERS and contact TriWest to transfer your enrollment within 90 days of the move.

**Does TRICARE work with Florida Medicaid?** By law, TRICARE is the primary payer and Medicaid is the payer of last resort. If you have both, your providers must bill TRICARE first.

**How do I get specialty care in the Florida Panhandle?** The Florida Panhandle has a high density of military hospitals (Eglin, Tyndall, Pensacola). If you are enrolled in Prime near these bases, you will likely be "captured" for care within the MTF system. You only move to the civilian network if the MTF is at capacity.

## Sources * Humana Military (East Region Contractor): [humanamilitary.com](https://www.humanamilitary.com) * TRICARE Official Site: [tricare.mil](https://www.tricare.mil) * Defense Health Agency - Florida MTF Locator: [tricare.mil/mtf](https://tricare.mil/mtf) * Express Scripts Pharmacy: [militaryrx.express-scripts.com](https://militaryrx.express-scripts.com)