TRICARE New York: West Point & East Region Guide | TRICARE.com

## TRICARE in New York New York is part of the **TRICARE East Region**. Comprehensive medical coverage for military members and their families in New York is managed by the regional contractor, **Humana Military**. *Please note: TRICARE.com is an independent reference site and is not the official TRICARE program; visit TRICARE.mil for official policy and enrollment.*

The healthcare landscape in New York is unique due to the concentration of military personnel around West Point and the availability of the US Family Health Plan (USFHP) in specific downstate and Hudson Valley zip codes.

## Major military installations New York is home to several critical military installations across various branches:

* **United States Military Academy (West Point):** Army - West Point / Highland Falls * **Fort Drum:** Army - Watertown * **Watervliet Arsenal:** Army - Watervliet * **Stratton Air National Guard Base:** Air Force - Schenectady * **Hancock Field Air National Guard Base:** Air Force - Syracuse * **Niagara Falls Air Reserve Station:** Air Force - Niagara Falls * **NSA Saratoga Springs:** Navy - Saratoga Springs

## Plans available in New York Depending on your status (Active Duty, Guard/Reserve, or Retired), the following plans are available in New York:

| Plan | Availability & Details | | :--- | :--- | | **TRICARE Prime** | Available in Prime Service Areas (PSAs), including areas around West Point and Fort Drum. | | **TRICARE Select** | PPO-style plan available statewide to those not in a PSA or who prefer more provider flexibility. | | **US Family Health Plan** | Available in NYC, Long Island, and the Hudson Valley through **Saint Vincent’s Health Healthcare Services**. | | **TRICARE Reserve Select** | Premium-based plan for qualified members of the Selected Reserve. | | **TRICARE Retired Reserve** | Premium-based plan for retired Guard/Reserve members under age 60. | | **TRICARE For Life** | Medicare-wraparound coverage for dual-eligible beneficiaries. | | **TRICARE Young Adult** | For adult children under age 26 who have "aged out" of regular TRICARE. |

## Finding care in New York Beneficiaries in New York have access to a robust network of civilian and military providers.

* **West Point Beneficiaries:** Most Prime enrollees at West Point receive primary care at the **Keller Army Community Hospital (KACH)**. For specialty care not available on-base, referrals are sent to network providers in the Hudson Valley or New York City. * **Provider Directory:** To find a civilian doctor in the East Region network, use the [Humana Military Provider Locator](https://www.humanamilitary.com/beneficiary/find-a-provider). * **Network vs. Non-Network:** Using network providers results in lower out-of-pocket costs. In high-cost areas like New York City, ensure your provider accepts TRICARE allowable charges to avoid "balance billing." * **Telehealth:** Humana Military offers several telehealth options for New York residents, including Doctor on Demand and specialized mental health services through Telemynd.

Common questions for New York beneficiaries

**I am moving (PCS) to West Point. What should I do first?** As soon as you arrive, update your address in DEERS and contact Humana Military to transfer your enrollment to the East Region. Most family members will be assigned to Keller Army Community Hospital for primary care.

**What is the US Family Health Plan (USFHP) in New York?** USFHP is an additional Prime option available in specific zip codes (mostly NYC, Long Island, and southern Westchester). If you choose USFHP, you receive all your care through Saint Vincent’s Health Healthcare Services and cannot use military hospitals or other TRICARE providers.

**Does TRICARE work with New York State Medicaid?** By law, TRICARE is the secondary payer to most other health insurance plans, but it is the primary payer before Medicaid. If you have both, TRICARE pays first, and the New York State Medicaid program pays last.

## Sources * [TRICARE East Region - Humana Military](https://www.humanamilitary.com/) * [TRICARE.mil - New York Coverage](https://www.tricare.mil) * [Keller Army Community Hospital](https://keller.tricare.mil/) * [US Family Health Plan - Saint Vincent’s](https://www.usfhp.net/)