TRICARE Maryland: Aberdeen Proving Ground Guide (2026) | TRICARE.com

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## TRICARE in Maryland Maryland is part of the **TRICARE East Region**. Since January 1, 2025, the regional contractor for the East is **Humana Military**, which manages the provider network and claims processing for the state. Maryland beneficiaries have unique access to the US Family Health Plan (USFHP) through Johns Hopkins Medicine, providing an additional managed care option alongside standard TRICARE plans.

## Major military installations Maryland is home to several high-density military populations and major command centers:

* **Aberdeen Proving Ground (APG):** Army; located in Harford County (Aberdeen). * **Fort George G. Meade:** Army/Joint; located in Anne Arundel County. * **Joint Base Andrews:** Air Force/Navy; located in Prince George's County. * **Naval Air Station Patuxent River (Pax River):** Navy; located in St. Mary's County. * **Walter Reed National Military Medical Center:** Defense Health Agency/Joint; located in Bethesda. * **United States Naval Academy:** Navy; located in Annapolis.

## Plans available in Maryland Beneficiaries in Maryland can choose from several plans depending on their status and location:

| Plan | Best For | Notes | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty & Families | HMO-style; primary care at Military Treatment Facilities (MTFs) like Kirk Army Health Clinic at APG. | | **TRICARE Select** | Retirees & Families | PPO-style; more flexibility to see civilian specialists; requires 2026 enrollment fees for Group A retirees. | | **TRICARE Reserve Select** | National Guard/Reserve | Premium-based plan for qualified non-active Guard and Reserve members. | | **TRICARE For Life** | Medicare-eligible retirees | Wraparound coverage for those with Medicare Part A and B. | | **US Family Health Plan** | Families & Retirees | A Prime option available in Maryland via **Johns Hopkins USFHP**; excludes MTF use. | | **TRICARE Young Adult** | Adult children (21–25) | Available in Prime or Select formats for those not otherwise eligible for employer coverage. |

## Finding care in Maryland Beneficiaries in the Aberdeen Proving Ground area typically receive primary care at **Kirk Army Health Clinic**. If you are using TRICARE Prime and need care that the MTF cannot provide, or if you are using TRICARE Select, you must use the Humana Military provider directory to find network providers.

* **Provider Directory:** Search the Humana Military East Region directory for specialists in the Baltimore, Bel Air, and Havre de Grace areas. * **Network vs. Non-Network:** Using a network provider in Maryland lowers your out-of-pocket costs. Non-network providers may charge up to 15% above the TRICARE-allowable amount (Point of Service charges). * **Telehealth:** Maryland beneficiaries have access to Doctor On Demand and Telemynd through Humana Military for behavioral health and urgent care needs without a referral in many cases (check 2026 referral requirements for Prime).

Common questions for Maryland beneficiaries

**Can I use civilian doctors in Baltimore if I’m stationed at APG?** If you are on TRICARE Prime, you are generally required to seek care at Kirk Army Health Clinic first. You need a referral from your Primary Care Manager (PCM) to see a civilian specialist in Baltimore. If you are on TRICARE Select, you can see any network specialist without a referral.

**How does the US Family Health Plan work in Maryland?** In Maryland, Johns Hopkins Medicine offers the US Family Health Plan. If you enroll in this, you receive all your care through the Johns Hopkins network and cannot use military hospitals or clinics (except for emergencies). This is a popular choice for families who live far from a base but near a Hopkins facility.

**What happens if I PCS from Maryland to a West Region state?** Because Maryland is East Region (Humana Military) and states like California or Colorado are West Region (**TriWest Healthcare Alliance**), you must contact the West contractor to transfer your enrollment. Your medical records will remain in the DEERS system, but your primary care manager and network will change.

## Sources 1. **TRICARE East Region Contractor:** [HumanaMilitary.com](https://www.humanamilitary.com) 2. **Official TRICARE Plan Information:** [TRICARE.mil](https://www.tricare.mil) 3. **Johns Hopkins USFHP:** [hopkinsusfhp.org](https://www.hopkinsusfhp.org) 4. **Kirk Army Health Clinic (APG):** [kirk.tricare.mil](https://kirk.tricare.mil)