TRICARE Michigan: Plans, Providers & Military Bases | TRICARE.com

## TRICARE in Michigan Michigan is located in the **TRICARE East Region**. Comprehensive health care services for Michigan beneficiaries are managed by the regional contractor, **Humana Military**. While Michigan does not host a large active-duty "mega-base," it has a significant National Guard and Reserve presence, meaning many residents utilize TRICARE Reserve Select or TRICARE Select.

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

## Major military installations Michigan is home to several key installations, primarily focused on the National Guard, Coast Guard, and industrial defense support:

* **Selfridge Air National Guard Base** (Air National Guard) – Harrison Township / Mt. Clemens * **Camp Grayling Joint Maneuver Training Center** (Army National Guard) – Grayling * **Fort Custer Training Center** (Army National Guard) – Augusta/Battle Creek * **Coast Guard Sector Detroit** (USCG) – Detroit * **Battle Creek Air National Guard Base** (Air National Guard) – Battle Creek * **Alpena Combat Readiness Training Center** (Air National Guard) – Alpena

## Plans available in Michigan Because Michigan lacks a major Military Treatment Facility (MTF) with an inpatient hospital, many beneficiaries rely on civilian networks under the following plans:

| Plan | Eligibility | Michigan-Specific Note | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty & Families | Limited to Prime Service Areas (PSAs), typically near Selfridge ANGB or major metro areas. | | **TRICARE Select** | All beneficiaries | The most flexible option for Michiganders; allows you to see any TRICARE-authorized provider. | | **TRICARE Reserve Select (TRS)** | Qualified Guard/Reserve | Extremely common in Michigan due to the high volume of National Guard units. | | **TRICARE For Life (TFL)** | Medicare-wraparound | For retirees age 65+; works with Medicare at any provider that accepts both. | | **TRICARE Young Adult (TYA)** | Children age 21–26 | Available in Prime or Select formats for adult children of eligible sponsors. | | **TRICARE Retired Reserve** | Retired Guard/Reserve | For "gray area" retirees under age 60. |

*Note: The US Family Health Plan (USFHP) is NOT currently available in Michigan.*

## Finding care in Michigan To maintain the lowest out-of-pocket costs, beneficiaries should choose "Network" providers.

* **Provider Directory:** Michiganders should use the **Humana Military East Region Provider Search** tool to find local doctors, specialists, and hospitals in the network. * **Network vs. Non-Network:** In rural areas of the Upper Peninsula or Northern Michigan, you may need to see non-network providers. If you are on TRICARE Select, you can do this, but you will pay higher deductibles and cost-shares (2026 rates vary—check the TRICARE website for your specific category). * **Telehealth:** Humana Military offers robust telehealth options for Michigan residents, including behavioral health services through Doctor On Demand and other platform partners, which is highly beneficial for those far from metro hubs like Detroit or Grand Rapids. * **Pharmacy:** Prescriptions can be filled via Express Scripts Home Delivery, at military pharmacies (like the clinic at Selfridge), or at thousands of retail pharmacies across Michigan (e.g., Meijer, Kroger, Walgreens).

Common questions for Michigan beneficiaries

**I am a National Guard member at Camp Grayling. Which plan should I use?** If you are on active service for more than 30 days, you are covered by TRICARE Prime. If you are in a drilling (part-time) status, you are likely eligible for TRICARE Reserve Select (TRS), which requires a monthly premium payment.

**Does Michigan Medicaid (Healthy Michigan Plan) work with TRICARE?** Yes. TRICARE is legally the secondary payer to most other insurance, but it is the primary payer over Medicaid. If you have both, your providers must bill TRICARE first.

**How do I get specialty care in the Upper Peninsula?** If you are in a remote area, you are likely covered under TRICARE Prime Remote or TRICARE Select. Under Prime Remote, you still need a referral from your Primary Care Manager (PCM) for specialty care. Under Select, you can self-refer to any authorized specialist, though using a network provider saves money.

## Sources * Humana Military (East Region Contractor): [humanamilitary.com](https://www.humanamilitary.com) * TRICARE Official Site: [tricare.mil](https://www.tricare.mil) * Express Scripts Pharmacy: [militaryrx.express-scripts.com](https://militaryrx.express-scripts.com) * Defense Health Agency: [health.mil](https://www.health.mil)