TRICARE Maine: Portsmouth Naval Shipyard & Regional Care Guide

*TRICARE.com is an independent reference site and is not a government agency. For official policy and the primary government portal, visit TRICARE.mil.*

## TRICARE in Maine Maine is part of the **TRICARE East Region**, where the regional contractor is **Humana Military**. Beneficiaries in Maine, particularly those near the New Hampshire border at the Portsmouth Naval Shipyard, access care through a network of military treatment facilities (MTFs) and civilian providers managed under the Humana Military infrastructure.

## Major military installations While Maine is known for its vast geographic area, its military footprint is concentrated in specific coastal and northern hubs:

* **Portsmouth Naval Shipyard (Kittery):** Navy - Located on Seavey's Island in Kittery, this is the primary hub for TRICARE activity in the state. * **Naval Support Activity (NSA) Cutler:** Navy - High-frequency communications station in Washington County. * **Bangor Air National Guard Base:** Air Force/Air National Guard - Home to the 101st Air Refueling Wing. * **Brunswick Landing (Former NAS Brunswick):** Though the base closed, it remains a site for various reserve and veteran services.

Plans available in Maine

| Plan Type | Eligibility | Notes for Maine Residents | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty, Retirees | Available in Prime Service Areas (PSAs), notably around Kittery/Portsmouth. | | **TRICARE Select** | All beneficiaries | PPO-style plan; allows use of any TRICARE-authorized provider in ME. | | **TRICARE Reserve Select** | National Guard/Reserve | Monthly premium-based plan for Maine National Guard members. | | **TRICARE Retired Reserve** | Retired Guard/Reserve | Available until age 60. | | **TRICARE For Life** | Medicare-eligible | Wraparound coverage for Medicare Part A and B. | | **TRICARE Young Adult** | Adult Children (up to 26) | Available in Prime or Select formats. | | **US Family Health Plan** | Dependent/Retired (non-Medicare) | **Highly relevant:** Martin's Point Health Care offers USFHP throughout Maine. |

## Finding care in Maine Beneficiaries in Southern Maine often receive primary or specialty care directly at the **Naval Branch Health Clinic Portsmouth Naval Shipyard**. Those outside the Kittery area or those using TRICARE Select should use the Humana Military Provider Directory to find network doctors in cities like Portland, Lewiston, or Bangor.

* **Network vs. Non-Network:** In rural Maine, you may find fewer "Network" providers. You can still see "Non-Network Authorized" providers, but your out-of-pocket costs will be higher under TRICARE Select. * **US Family Health Plan (Martin's Point):** Many Maine families choose Martin's Point Health Care, which acts as a TRICARE Prime option. If you enroll in USFHP, you use the Martin's Point provider network instead of the standard Humana Military network. * **Telehealth:** Humana Military offers robust telehealth options for Maine residents, particularly useful for those in the northern "North Woods" regions who are far from a physical clinic.

Common questions for Maine beneficiaries

**Does the Kittery area count as Maine or New Hampshire for TRICARE?** While Portsmouth Naval Shipyard is physically in Kittery, Maine, it is often grouped with the Portsmouth, NH medical market. If you are PCSing to the Shipyard, you will be in the East Region (Humana Military) regardless of which side of the state line you live on.

**Can I use the Togus VA Medical Center with TRICARE?** Togus (Augusta) is a VA facility. Generally, TRICARE beneficiaries use civilian network providers or MTFs. However, if you are a dual-eligible veteran, you may receive care at Togus for service-connected disabilities while using TRICARE for other healthcare needs.

**How do I handle specialty referrals in rural Maine?** If you are enrolled in Prime, your Primary Care Manager (PCM) must submit a referral to Humana Military. Due to the lack of specialists in rural Maine, you may be authorized to travel to Portland or even Boston (Mass General/Brigham) for complex care.

## Sources * **Humana Military (East Region Contractor):** [humanamilitary.com](https://www.humanamilitary.com/) * **TRICARE.mil Plan Finder:** [tricare.mil/Plans/PlanFinder](https://www.tricare.mil/Plans/PlanFinder) * **Martin's Point US Family Health Plan:** [martinspoint.org](https://martinspoint.org/shop-for-a-plan/us-family-health-plan) * **Naval Branch Health Clinic Portsmouth:** [portsmouth.tricare.mil](https://portsmouth.tricare.mil/)