TRICARE New York: Plans, Providers & Bases (2026 Guide) | TRICARE.com

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## TRICARE in New York New York is part of the **TRICARE East Region**. Comprehensive health care services for New York beneficiaries are managed by **Humana Military**, the regional contractor. Because New York is in the East Region, service members and families transitioning from Western states will move from TriWest Healthcare Alliance coverage back to Humana Military.

## Major military installations New York is home to several critical military hubs across all service branches. The largest installations include:

* **Fort Drum (Army):** Located near Watertown/LeCray, home to the 10th Mountain Division. * **West Point (Army):** The U.S. Military Academy located in Orange County. * **Saratoga Springs (Navy):** Supporting the Naval Support Activity and Nuclear Power Training Unit. * **Watervliet Arsenal (Army):** Located near Albany, the nation's oldest continuously active arsenal. * **Niagara Falls Air Reserve Station (Air Force):** Home to the 914th Air Refueling Wing. * **Fort Hamilton (Army):** Located in Brooklyn, serving as a major processing and administrative hub in New York City. * **Francis S. Gabreski Air National Guard Base (Air Force):** Located in Westhampton Beach.

## Plans available in New York Residents of New York have access to the following TRICARE plans depending on their status and location:

| Plan Name | Best For | New York Specifics | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty & Dependents | Managed care with a primary care manager (PCM). Available in Prime Service Areas (PSAs). | | **TRICARE Select** | All non-active duty | PPO-style plan with more flexibility to choose providers. | | **US Family Health Plan (USFHP)** | Families & Retirees | A Prime-like option through **Saint Vincent’s HealthCare** in the NYC/Downstate area. | | **TRICARE Reserve Select** | National Guard/Reserve | Premium-based coverage for "Gray Area" or non-activated reservists. | | **TRICARE For Life** | Medicare-wraparound | For beneficiaries with Medicare Part A and B; common in NY's large retiree population. | | **TRICARE Young Adult** | Adult Children | For dependents age 21–26 who are not yet married. |

## Finding care in New York Beneficiaries in New York can find civilian network providers through the **Humana Military East Region Provider Directory**.

* **Network vs. Non-Network:** In highly populated areas like New York City, Long Island, and Buffalo, there are deep networks of civilian providers. However, if you use a non-network provider under TRICARE Select, your out-of-pocket costs (2026 rates) will be higher. * **Telehealth:** Humana Military offers robust telehealth options for New York residents, which is particularly useful for those in rural Upstate regions far from military treatment facilities (MTFs) like Fort Drum. * **US Family Health Plan (USFHP):** If you live in the NYC/New Jersey/Lower Hudson Valley area, you may have the option to enroll in USFHP, where you receive all your care through the Saint Vincent’s HealthCare system rather than at a military base.

Common questions for New York beneficiaries

**I am PCSing to Fort Drum. How do I switch my coverage?** Since Fort Drum is in the East Region, if you are arriving from a West Region state (like California or Texas), you must contact Humana Military to update your enrollment. If you are coming from another East Region state, you simply update your address in DEERS, but you may need to choose a new Primary Care Manager (PCM) at the Fort Drum Guthrie Ambulatory Healthcare Clinic.

**Does New York Medicaid (nystateofhealth) work with TRICARE?** TRICARE is always the first payer before Medicaid. If you are eligible for both, TRICARE pays its share first, and Medicaid acts as the payer of last resort. This is common for some National Guard families or those with specific disability designations in New York.

**Can I use TRICARE at civilian hospitals in Manhattan?** Yes, but your costs depend on your plan. Under TRICARE Select, you can visit major systems like NYU Langone or Mount Sinai, though you should check that the specific physician is a TRICARE-authorized provider to ensure claims are processed.

## Sources * **Humana Military (East Region Contractor):** [humanamilitary.com](https://www.humanamilitary.com/) * **TRICARE.mil Official Site:** [tricare.mil](https://www.tricare.mil/) * **US Family Health Plan (Saint Vincent's):** [usfhp.net](https://www.usfhp.net/) * **Defense Health Agency (DHA):** [health.mil](https://health.mil/)