TRICARE Maryland: Plans, Providers, and Maryland Bases | TRICARE.com

TRICARE in Maryland

Maryland is located in the **TRICARE East Region**. Comprehensive health care services for beneficiaries in this state are managed by the regional contractor, **Humana Military**. Because of its proximity to Washington D.C., Maryland features one of the most robust military healthcare infrastructures in the world, including the prestigious Walter Reed National Military Medical Center.

*Note: TRICARE.com is an independent reference site and is not the official TRICARE program. For official policy and the most current enrollment data, visit [TRICARE.mil](https://www.tricare.mil).*

Major military installations

Maryland is home to several critical military installations spanning all branches of service:

* **Walter Reed National Military Medical Center (NSA Bethesda):** Navy/Joint - Bethesda * **Fort Meade:** Army - Anne Arundel County * **Joint Base Andrews:** Air Force - Camp Springs * **Patuxent River Naval Air Station:** Navy - St. Mary's County * **Aberdeen Proving Ground:** Army - Aberdeen * **Fort Detrick:** Army - Frederick * **United States Naval Academy:** Navy - Annapolis

Plans available in Maryland

Beneficiaries living in Maryland have access to the full suite of TRICARE programs. Notably, Maryland is one of the few states where the **US Family Health Plan (USFHP)** is available through Johns Hopkins Medicine.

| Plan | Best For | | :--- | :--- | | **TRICARE Prime** | Managed care with a Primary Care Manager (PCM), primarily at Military Treatment Facilities (MTFs). | | **TRICARE Select** | PPO-style plan allowing you to see any TRICARE-authorized provider (lower costs in-network). | | **US Family Health Plan** | A Prime option available in MD through Johns Hopkins Medicine; you cannot use MTFs with this plan. | | **TRICARE Reserve Select** | Premium-based plan for qualified Selected Reserve members. | | **TRICARE Retired Reserve** | Premium-based plan for retired National Guard and Reserve members under age 60. | | **TRICARE For Life** | Secondary coverage for those with Medicare Part A and B. | | **TRICARE Young Adult** | Coverage for adult children (21–26) who have aged out of regular TRICARE. |

Finding care in Maryland

To find an authorized provider in Maryland, beneficiaries should use the **Humana Military East Region Provider Directory**.

* **Network vs. Non-Network:** In Maryland’s high-cost areas (like Bethesda or Baltimore), using "Network" providers significantly reduces your out-of-pocket costs. If you see a "Non-Network" provider, you may have to pay up to 15% above the TRICARE-allowable charge. * **Military Treatment Facilities (MTFs):** If you are enrolled in Prime, you will likely be assigned to a PCM at a facility like Walter Reed or Kimbrough Ambulatory Care Center (Ft. Meade). * **Telehealth:** Humana Military offers a telehealth network for Maryland residents, allowing virtual visits for primary care and mental health. 2026 copays apply based on your specific plan and sponsor status.

Common questions for Maryland beneficiaries

**What happens if I am PCSing to Maryland?** If you are moving to Maryland, you must update your address in DEERS immediately. Once your address is updated, you can transfer your enrollment to the East Region via Humana Military. Do not disenroll from your old region until you have arrived and updated your DEERS record.

**Can I use Johns Hopkins for my TRICARE coverage?** Yes, but typically only through the **US Family Health Plan (USFHP)**. If you enroll in USFHP, Johns Hopkins becomes your exclusive provider. You will not be able to get prescriptions or specialty care at Walter Reed or other military bases; all care must come through the Johns Hopkins network.

**How does TRICARE interact with Maryland Medicaid?** By law, TRICARE is the secondary payer to all other health insurance (OHI) except for Medicaid and TRICARE supplemental insurance. If you qualify for Maryland Medicaid, TRICARE pays first, and Medicaid is the "payer of last resort."

## Sources * Humana Military East Region: [humanamilitary.com](https://www.humanamilitary.com/) * TRICARE East Region Information: [tricare.mil/East](https://www.tricare.mil/About/Regions/East) * US Family Health Plan via Johns Hopkins: [hopkinsusfhp.org](https://www.hopkinsusfhp.org/) * Defense Health Agency: [health.mil](https://health.mil/)