TRICARE New Jersey | NWS Earle & East Region Guide (2026)

*Note: TRICARE.com is an independent reference site and is not the official TRICARE program or affiliated with the Department of Defense. For official policy and the most current data, visit TRICARE.mil.*

## TRICARE in New Jersey New Jersey is part of the **TRICARE East Region**. Since January 1, 2025, **Humana Military** has continued as the regional contractor under the T-5 contract, managing the provider network and claims for beneficiaries across the state. Because of its location in the Northeast, many New Jersey residents also have access to the US Family Health Plan (USFHP) through local civilian healthcare systems.

## Major military installations New Jersey is home to several critical military hubs, with Naval Weapons Station Earle serving as a primary site for Atlantic fleet support. * **Naval Weapons Station (NWS) Earle** (Navy) – Colts Neck / Leonardo * **Joint Base McGuire-Dix-Lakehurst** (Air Force/Army/Navy) – Trenton/Burlington County * **Coast Guard Training Center Cape May** (Coast Guard) – Cape May * **Picatinny Arsenal** (Army) – Wharton * **177th Fighter Wing / Atlantic City Air Guard Base** (Air National Guard) – Egg Harbor Township

## Plans available in New Jersey Beneficiaries in New Jersey, particularly those near NWS Earle, can choose from several plans depending on their status and location.

| Plan Type | Eligibility/Details | | :--- | :--- | | **TRICARE Prime** | Managed care option for active duty and retirees. Primary care usually at an MTF (Military Treatment Facility). | | **TRICARE Select** | PPO-style plan allowing you to see any TRICARE-authorized provider (lower costs for network providers). | | **TRICARE Reserve Select (TRS)** | Premium-based plan for qualified Selected Reserve members. | | **TRICARE Retired Reserve (TRR)** | Premium-based plan for retired Reserve members under age 60. | | **US Family Health Plan (USFHP)** | An additional Prime option available through **Saint Vincent’s Health System** in Northern/Central NJ. | | **TRICARE For Life (TFL)** | Wrap-around coverage for those with Medicare Part A and B. | | **TRICARE Young Adult** | Option for adult children who have aged out of regular coverage but are under 26. |

## Finding care in New Jersey For those stationed at **Naval Weapons Station Earle**, primary care is often managed through the **Branch Health Clinic Earle**. For specialized care or civilian network access, beneficiaries use the Humana Military East Region provider directory.

* **Network Providers:** Choosing a network provider in the Humana Military network results in lower out-of-pocket costs and no need to file your own claims. * **Non-Network Providers:** You may see non-network providers under TRICARE Select, but you will pay higher deductibles and cost-shares (2026 rates vary by plan year). * **Telehealth:** New Jersey beneficiaries can access 24/7 telehealth services through Doctor On Demand and other Humana Military partners without a referral for most plans, though Active Duty Service Members (ADSMs) still require a referral for non-emergency care.

Common questions for New Jersey beneficiaries

**Can I use the US Family Health Plan (USFHP) at NWS Earle?** Yes. Much of Monmouth County falls within the USFHP service area. If you enroll in USFHP, you receive all your TRICARE Prime benefits through the Saint Vincent’s Health System network rather than the military clinic or Humana Military network. Note: You cannot use both; you must choose one.

**How do I handle a PCS move to NWS Earle?** When relocating to New Jersey, do not disenroll from your current region until you arrive. Once you have a local address, contact Humana Military to update your enrollment to the East Region. Your coverage should remain seamless during the transition.

**Does TRICARE work with NJ FamilyCare (Medicaid)?** Yes. By law, TRICARE is the primary payer and NJ FamilyCare/Medicaid is the payer of last resort. If you have both, your providers must bill TRICARE first.

## Sources * Humana Military (TRICARE East): [humanamilitary.com](https://www.humanamilitary.com/) * TRICARE Official Site: [tricare.mil](https://www.tricare.mil/) * US Family Health Plan: [usfhp.com](https://www.usfhp.com/) * Naval Weapons Station Earle (CNIC): [cnic.navy.mil/regions/ndw/installations/nws_earle.html](https://ffr.cnic.navy.mil/cnic.navy.mil/regions/ndw/installations/nws_earle.html)