TRICARE Florida: Regional Guide & MacDill AFB Info | TRICARE.com

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## TRICARE in Florida Florida is part of the **TRICARE East Region**. Since January 1, 2025, the regional contractor providing administrative services and managing the provider network is **Humana Military**. With one of the largest veteran and active-duty populations in the country, Florida offers a robust network of civilian providers that supplement the care found at major military treatment facilities (MTFs) like MacDill Air Force Base.

## Major military installations Florida hosts dozens of military sites, but the largest installations managing healthcare for the majority of beneficiaries include:

* **MacDill Air Force Base** (Air Force) – Tampa * **Eglin Air Force Base** (Air Force) – Valparaiso * **Naval Air Station Jacksonville** (Navy) – Jacksonville * **Naval Air Station Pensacola** (Navy) – Pensacola * **Patrick Space Force Base** (Space Force) – Cocoa Beach * **Mayport Naval Station** (Navy) – Jacksonville * **Tyndall Air Force Base** (Air Force) – Panama City

## Plans available in Florida Beneficiaries in Florida have access to the full suite of TRICARE programs. Note that for retirees and those using TRICARE Select, your costs are determined by your "Group" (Group A or Group B) and the 2026 rates.

| Plan Type | Description | | :--- | :--- | | **TRICARE Prime** | Managed care with a Primary Care Manager (PCM). Common for those living near MacDill or NAS Jax. | | **TRICARE Select** | PPO-style plan allowing you to see any network provider without a referral. | | **TRICARE Reserve Select** | Premium-based plan for qualified members of the Selected Reserve. | | **TRICARE Retired Reserve** | Premium-based plan for retired National Guard/Reserve members under age 60. | | **TRICARE For Life (TFL)** | Wrap-around coverage for those with Medicare Part A and B. | | **TRICARE Young Adult** | Coverage for adult children up to age 26 who are not otherwise eligible. |

## Finding care in Florida If you are stationed at or living near **MacDill AFB**, you are likely enrolled in the 6th Medical Group on base. However, for specialty care or if the base is at capacity, you will use the Humana Military East Region provider directory.

* **Network Providers:** These providers have agreements with Humana Military to provide care at established 2026 rates and will file claims for you. * **Non-Network Providers:** You may pay higher out-of-pocket costs and may have to file your own claims. * **Telehealth:** In Florida, TRICARE beneficiaries can access Doctor On Demand or Telemynd without a referral for most outpatient mental health services, though some Prime restrictions may apply.

Common questions for Florida beneficiaries

**I am PCSing to MacDill AFB. When should I switch my enrollment?** You should update your address in DEERS immediately upon arrival. Because Florida is in the East Region (managed by Humana Military), if you are moving from a West Region state (e.g., California or Texas), you must specifically request an enrollment transfer to the East Region to ensure your coverage remains active and your PCM is assigned locally.

**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.

**Can I use civilian pharmacies in Tampa or Jacksonville?** Yes. While the MacDill or NAS Jax pharmacies offer $0 copays, you can use any Express Scripts network pharmacy (like Walgreens or CVS) for a 2026 copay, or use the Home Delivery service.

## Sources 1. **TRICARE East Region Contractor:** [HumanaMilitary.com](https://www.humanamilitary.com/) 2. **Official TRICARE Plan Information:** [TRICARE.mil](https://www.tricare.mil/) 3. **Pharmacy Benefits:** [Express-Scripts.com](https://www.express-scripts.com/tricare) 4. **MacDill 6th Medical Group:** [MacDill.af.mil](https://macdill.pds.af.mil/Units/6th-Medical-Group/)