TRICARE Florida: NAS Pensacola & East Region Guide | TRICARE.com

*Disclaimer: TRICARE.com is an independent reference site and is not affiliated with the Department of Defense or the official TRICARE program. For official policy and enrollment, visit TRICARE.mil.*

## TRICARE in Florida Florida is located in the **TRICARE East Region**. Comprehensive health care services for military members and their families in Florida are managed by the regional contractor, **Humana Military**. Beneficiaries in Florida, particularly those near major hubs like NAS Pensacola, have access to a robust network of civilian providers and some of the largest Military Treatment Facilities (MTFs) in the Southeast.

## Major military installations in Florida Florida is home to over 20 military installations. Key bases include:

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

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

| Plan Type | Eligibility/Description | | :--- | :--- | | **TRICARE Prime** | Managed care option; required for active duty; available in Prime Service Areas (PSAs). | | **TRICARE Select** | PPO-style plan offering the most flexibility in choosing providers; available worldwide. | | **TRICARE Reserve Select** | Premium-based plan for qualified Selected Reserve members. | | **TRICARE Retired Reserve** | Premium-based plan for retired Reserve and National Guard members under age 60. | | **TRICARE For Life** | Medicare-wraparound coverage for retirees 65+ with Medicare Parts A and B. | | **TRICARE Young Adult** | Option for adult children who have aged out of regular TRICARE but are under 26. |

## Finding care in Florida For those stationed at or near **NAS Pensacola**, primary care is typically managed through the **Naval Hospital Pensacola**. If you are enrolled in TRICARE Prime and live in a Prime Service Area, you will generally be assigned a Primary Care Manager (PCM) at the Naval Hospital or a designated network clinic.

To find civilian care in Florida: 1. **Use the Directory:** Access the Humana Military Provider Directory to find "In-Network" providers. This ensures the lowest out-of-pocket costs. 2. **Referrals:** If you are on TRICARE Prime, you must obtain a referral from your PCM for specialty care (e.g., dermatology, cardiology) to avoid "Point-of-Service" charges. 3. **Telehealth:** Humana Military offers extensive telehealth options for Florida residents, including behavioral health services which do not require a referral for active duty family members (ADFMs) in most cases.

Common questions for Florida beneficiaries

**What happens if I PCS from NAS Pensacola to a base in the Western US?** Since Florida is in the East Region (Humana Military) and the West Region is managed by TriWest Healthcare Alliance, you must update your address in DEERS and contact TriWest to transfer your enrollment. Your coverage remains continuous, but your primary care manager will change.

**Can I use TRICARE with Florida Medicaid?** Yes. By law, TRICARE pays secondary to most other health insurance plans, including Florida Medicaid. If you have both, your provider should bill TRICARE last.

**Is there a US Family Health Plan (USFHP) option in Florida?** No, Florida is not currently served by the US Family Health Plan (USFHP). Beneficiaries must use TRICARE Prime or Select via Humana Military.

## Sources * [Humana Military (TRICARE East Regional Contractor)](https://www.humanamilitary.com/) * [TRICARE.mil - Florida Coverage](https://www.tricare.mil) * [Naval Hospital Pensacola Official Site](https://pensacola.tricare.mil/) * [Defense Health Agency - T-5 Contract Info](https://health.mil)