TRICARE Michigan: Camp Grayling & 2026 Plan Guide | TRICARE.com

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## TRICARE in Michigan Michigan is part of the **TRICARE East Region**. Comprehensive health care coverage for military families in the state is managed by the regional contractor, **Humana Military**. While Michigan does not house any large active-duty Army or Navy installations, its massive National Guard presence—centered around Camp Grayling—makes TRICARE Reserve Select (TRS) one of the most common plan types used across the state.

## Major military installations Michigan is unique in that its primary military infrastructure supports the National Guard, Coast Guard, and Air National Guard.

* **Camp Grayling Joint Maneuver Training Center (Army National Guard):** Located in Grayling, this is the largest National Guard training facility in the United States. * **Selfridge Air National Guard Base (Air National Guard):** Located in Harrison Township (near Detroit). * **Alpena Combat Readiness Training Center (Air National Guard):** Located in Alpena. * **USCG Sector Detroit / Air Station Detroit (Coast Guard):** Located in Detroit and Mt. Clemens. * **Battle Creek Air National Guard Base (Air National Guard):** Located in Battle Creek.

## Plans available in Michigan Michigan residents have access to the standard suite of TRICARE programs. Note that because there are no Military Treatment Facilities (MTFs) with inpatient capabilities in large portions of the state, many beneficiaries rely exclusively on the civilian network.

| Plan Name | Eligibility | Best For | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty & Families | Managed care with low out-of-pocket costs (limited availability in rural MI). | | **TRICARE Select** | All non-active duty beneficiaries | Maximum flexibility to choose any TRICARE-authorized provider. | | **TRICARE Reserve Select (TRS)** | Qualified National Guard/Reserve | Monthly premium-based plan for members of the Selected Reserve. | | **TRICARE Retired Reserve (TRR)** | Retired Reserve members under 60 | Premium-based coverage for "Gray Area" retirees. | | **TRICARE For Life (TFL)** | Dual-eligible for Medicare | Wraparound coverage for those with Medicare Part A & B. | | **TRICARE Young Adult** | Unmarried children 21–25 | Extension of coverage for adult children not eligible for employer plans. |

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

## Finding care in Michigan Because Michigan lacks a major military hospital (like Walter Reed or Fort Campbell), most beneficiaries—including those at **Camp Grayling**—receive care through the Humana Military civilian provider network.

* **Provider Directory:** Beneficiaries should use the [Humana Military Michigan Directory](https://www.humanamilitary.com/beneficiary/find-care) to locate network doctors. Using an "In-Network" provider results in lower 2026 copays. * **Camp Grayling Area:** For those training at or living near Camp Grayling, local care is often found through the Munson Healthcare system or McLaren Northern Michigan, both of which frequently participate in the TRICARE network. * **Telehealth:** TRICARE covers secure video conferencing for many primary care and mental health appointments. This is a vital resource for Guard members in the rural Upper Peninsula or Northern Lower Peninsula. * **Referrals:** If you are on TRICARE Prime, you must obtain a referral from your Primary Care Manager (PCM) before seeing a specialist.

Common questions for Michigan beneficiaries

**Does Michigan Medicaid work with TRICARE?** Yes. By law, TRICARE is the primary payer and Medicaid is the payer of last resort. If you are eligible for both, you must inform your providers so they can bill TRICARE first.

**Are there Military Treatment Facilities (MTFs) in Michigan?** No. There are small clinics (such as those at Selfridge ANGB) that provide limited services to active-duty personnel, but there are no full-scale military hospitals in Michigan. Most beneficiaries use the Humana Military civilian network.

**How do I get prescriptions near Camp Grayling?** You can use the Express Scripts pharmacy locator to find retail pharmacies in Grayling or Alpena. However, using the TRICARE Pharmacy Home Delivery or a military pharmacy (if available at a clinic) usually offers the lowest 2026 cost-shares.

## Sources * **TRICARE East Regional Contractor:** [HumanaMilitary.com](https://www.humanamilitary.com) * **Official TRICARE Plan Descriptions:** [TRICARE.mil/Plans](https://www.tricare.mil/plans) * **Camp Grayling Official Site:** [Michigan.gov/DMVA](https://www.michigan.gov/dmva/about/camp-grayling) * **Pharmacy Benefits Manager:** [Express-Scripts.com/TRICARE](https://www.express-scripts.com/tricare)