TRICARE Maine: National Guard Hq & Humana East Guide | TRICARE.com

*Note: TRICARE.com is an independent reference site and is not the official TRICARE program or a government agency. For official policy and the most current enrollment figures, please visit TRICARE.mil.*

## TRICARE in Maine Maine is located in the **TRICARE East Region**. Under the current T-5 contract (effective January 2025), the regional contractor for the state is **Humana Military**. While Maine does not have a large active-duty base with an On-Base Military Treatment Facility (MTF) outside of small clinics, the state’s TRICARE population is predominantly served by a network of civilian providers and the VA Maine Healthcare System.

## Major military installations Maine is home to several critical military sites, though most healthcare for TRICARE beneficiaries is managed through civilian networks rather than large base hospitals. * **Maine National Guard Headquarters (Camp Keyes):** Augusta (Army and Air National Guard) * **Portsmouth Naval Shipyard:** Kittery (Technically on the Maine/New Hampshire border; a major hub for Navy personnel) * **Brunswick Landing (Former NAS Brunswick):** Brunswick (Currently hubs various Reserve and Guard units) * **Bangor Air National Guard Base:** Bangor (Home to the 101st Air Refueling Wing) * **Saco Armory / 240th Regional Training Institute:** Saco/Bangor * **United States Coast Guard Sectors:** Portland, Boothbay Harbor, and South Portland

## Plans available in Maine Beneficiaries in Maine have access to the following TRICARE plans, depending on their service status:

| Plan | Best For... | Key Detail | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty & Families | Managed care with a Primary Care Manager (PCM). Available in "Prime Service Areas." | | **TRICARE Select** | Most Beneficiaries | PPO-style plan with the most flexibility to choose providers without a referral. | | **TRICARE Reserve Select (TRS)** | National Guard/Reserve | Premium-based plan for "gray area" or drilling Guardsmen at Maine National Guard Hq. | | **TRICARE Retired Reserve** | Retired Guard/Reserve | Premium-based coverage for retirees under age 60. | | **TRICARE For Life** | Medicare-eligible | Wraparound coverage for those with Medicare Part A & B. | | **TRICARE Young Adult** | Adult Children | For dependent children ages 21–25 who are not otherwise eligible for employer coverage. | | **US Family Health Plan (USFHP)** | Locally eligible | Offered through Martin’s Point Health Care in Portland and across Maine. |

## Finding care in Maine Because Maine lacks a large Military Treatment Facility (MTF) like Walter Reed or Fort Liberty, most beneficiaries utilize the **Humana Military East Region Provider Directory**.

* **Network vs. Non-Network:** Using "Network" providers in Maine (such as those affiliated with MaineHealth or Northern Light Health) will results in lower out-of-pocket costs. * **US Family Health Plan (USFHP):** Maine is unique because **Martin's Point Health Care** is a designated TRICARE provider. If you enroll in USFHP through Martin's Point, you get all your TRICARE Prime benefits through their network of civilian doctors rather than military clinics. * **Telehealth:** Humana Military offers robust telehealth options for Maine residents, which is particularly useful for those living in rural areas or "The County" (Aroostook). Doctor On Demand and Teledoc are frequently used network partners.

## Common questions for Maine beneficiaries **Q: I am drilling at Maine National Guard Hq in Augusta; which plan should I use?** A: Most drilling Guardsmen use **TRICARE Reserve Select (TRS)**. It offers comprehensive coverage for a monthly premium. Note that if you are on active duty orders for more than 30 days, you transition to TRICARE Prime or Select (Active Duty).

**Q: Does MaineCare (Medicaid) work with TRICARE?** A: Yes, but TRICARE is always the primary payer. MaineCare is the payer of last resort. If you have both, ensure your providers are in both networks to minimize costs.

**Q: Where can I get prescriptions filled in Maine?** A: You can use the pharmacy at the Portsmouth Naval Shipyard (if nearby), the **Express Scripts** mail-order pharmacy, or any network retail pharmacy (like CVS, Walgreens, or Maine-based local pharmacies).

## Sources 1. **Humana Military East Region:** [humanamilitary.com](https://www.humanamilitary.com) 2. **TRICARE.mil Plan Finder:** [tricare.mil/Plans/Eligibility](https://www.tricare.mil) 3. **Martin’s Point US Family Health Plan:** [martinspoint.org](https://martinspoint.org) 4. **Maine National Guard Official Site:** [me.ng.mil](https://www.me.ng.mil)