TRICARE Florida: Patrick SFB & East Region Guide | TRICARE.com

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## TRICARE in Florida Florida is part of the **TRICARE East Region**. Since January 1, 2025, Humana Military has continued as the regional contractor responsible for managing the provider network, processing claims, and coordinating care across the state. Because of its high density of military retirees and active-duty personnel, Florida features one of the most robust TRICARE provider networks in the country.

## Major military installations Florida is home to several major installations across all branches of service, including: * **Patrick Space Force Base** – Space Force (Cocoa Beach/Brevard County) * **MacDill Air Force Base** – Air Force (Tampa) * **Naval Air Station Jacksonville** – Navy (Jacksonville) * **Eglin Air Force Base** – Air Force (Valparaiso/Niceville) * **Naval Air Station Pensacola** – Navy (Pensacola) * **Tyndall Air Force Base** – Air Force (Panama City) * **Mayport Naval Station** – Navy (Jacksonville Beach) * **Hurlburt Field** – Air Force (Mary Esther)

## Plans available in Florida Beneficiaries in Florida have access to the full suite of TRICARE programs. Availability often depends on your distance from a military hospital or clinic (MTF).

| Plan | Eligibility | Notes for FL Residents | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty, Retirees | Managed care; required for ADSMs near Patrick SFB or MacDill. | | **TRICARE Select** | Retirees, Family Members | PPO-style plan; allows more freedom of choice in Florida’s large private network. | | **TRICARE Reserve Select** | Qualified Guard/Reserve | Premium-based plan for non-activated members. | | **TRICARE Retired Reserve** | Retired Guard/Reserve | For "gray area" retirees under age 60. | | **TRICARE For Life** | Medicare-eligible | Wraparound coverage for those with Medicare Part A & B. | | **TRICARE Young Adult** | Children ages 21–26 | Available in Prime or Select formats. | | **US Family Health Plan** | Dependents/Retirees | **Not available in Florida.** This plan is restricted to specific Northeast, Gulf Coast (TX/LA), and Northwest regions. |

## Finding care in Florida Florida beneficiaries can find care through the **Humana Military East Region Provider Directory**.

* **Patrick SFB Area:** Most Prime enrollees at Patrick SFB receive primary care at the 45th Medical Group. If care is unavailable on-base, you will be referred to network providers in the Melbourne, Cocoa Beach, or Viera areas. * **Network vs. Non-Network:** To keep out-of-pocket costs low, ensure your doctor is a "Network" provider. In Florida, non-network providers can charge up to 15% above the TRICARE allowable charge (limited by federal law), which you would be responsible for paying. * **Telehealth:** Humana Military offers robust telehealth options for Florida residents, allowing visits with primary care and mental health providers via smartphone or computer. This is particularly useful for those living in rural parts of the Florida Panhandle or the Everglades region.

Common questions for Florida beneficiaries

**What happens if I PCS from Patrick SFB to a base in the West Region?** Since Florida is in the East (Humana Military) and the West is managed by TriWest Healthcare Alliance (as of 2025), you must update your address in DEERS and contact TriWest to transfer your enrollment. Your coverage does not "follow" you automatically across regional lines.

**Does TRICARE work with Florida Medicaid (AHCA)?** Yes. By law, TRICARE is the secondary payer to most insurance plans, but it is the **primary payer** to Medicaid. If you are eligible for both in Florida, providers must bill TRICARE first.

**Can I use the pharmacy at Patrick SFB if I have TRICARE Select?** Yes. All TRICARE beneficiaries can fill prescriptions at military pharmacies (like the 45th Medical Group) at $0 copay, regardless of whether they are enrolled in Prime or Select, provided the medication is on the base formulary.

## Sources * **TRICARE East Region Contractor:** [Humana Military](https://www.humanamilitary.com/) * **Official TRICARE Plan Information:** [TRICARE.mil](https://www.tricare.mil/) * **Space Launch Delta 45 (Patrick SFB):** [Patrick Space Force Base Med Group](https://patrick.tricare.mil/) * **Pharmacy Benefits Manager:** [Express Scripts](https://militaryrx.express-scripts.com/)