TRICARE Pennsylvania: Plans, Providers, and Bases Guide | TRICARE.com

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## TRICARE in Pennsylvania Pennsylvania is part of the **TRICARE East Region**. Since January 1, 2025, the regional contractor for the East is **Humana Military**, which manages the provider network and claims processing for the state. Because Pennsylvania has a significant population of National Guard and Reserve members, many residents utilize TRICARE Reserve Select (TRS) in addition to traditional Prime and Select plans.

## Major military installations Pennsylvania is unique for having several large-scale logistics, training, and industrial military sites across the Commonwealth:

* **Fort Indiantown Gap (Army/National Guard)** – Annville * **Carlisle Barracks (Army)** – Carlisle * **Letterkenny Army Depot (Army)** – Chambersburg * **Naval Support Activity Philadelphia (Navy/DLA)** – Philadelphia * **Naval Support Activity Mechanicsburg (Navy)** – Mechanicsburg * **Tobyhanna Army Depot (Army)** – Tobyhanna * **Pittsburgh International Airport Air Reserve Station (Air Force)** – Coraopolis * **Willow Grove Air Reserve Station (Air Guard/Navy)** – Horsham

## Plans available in Pennsylvania Beneficiaries in Pennsylvania have access to the following 2026 TRICARE plans depending on their status and location:

| Plan | Eligibility | Notes | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty, Retirees | Managed care with a Primary Care Manager (PCM). Available in Prime Service Areas (PSAs). | | **TRICARE Select** | Active Duty Families, Retirees | PPO-style plan allowing you to see any TRICARE-authorized provider. | | **TRICARE Reserve Select** | Qualified Guard/Reserve | Premium-based health plan for secondary force members. | | **TRICARE Retired Reserve** | Qualified Retired Reserve | For retired Guard/Reserve members under age 60. | | **TRICARE For Life** | Medicare-eligible retirees | Wraparound coverage for those with Medicare Part A and B. | | **TRICARE Young Adult** | Adult Children (up to age 26) | Available in both Prime and Select formats. | | **US Family Health Plan** | Various (Location-specific) | Available in parts of SE Pennsylvania/Philadelphia via the **St. Vincent's/Johns Hopkins** networks. |

## Finding care in Pennsylvania To find a doctor in Pennsylvania, you should use the **Humana Military East Region Provider Directory**.

* **Network vs. Non-Network:** In high-density areas like Philadelphia and Pittsburgh, there is a robust network of TRICARE-authorized providers. If you use a "Network" provider, your out-of-pocket costs (2026 rates) are lower. If you use a "Non-Network Authorized" provider, you will pay higher cost-shares under TRICARE Select. * **Telehealth:** Humana Military offers several telehealth options for PA residents, which is particularly useful for those living in rural areas of the "T" (central and northern PA) who may be far from a Military Treatment Facility (MTF). * **US Family Health Plan (USFHP):** Residents in the Philadelphia metropolitan area may have the option to enroll in USFHP, which provides TRICARE Prime benefits through local civilian healthcare systems rather than military hospitals.

Common questions for Pennsylvania beneficiaries

**What happens if I move from Pennsylvania to a western state?** Since Pennsylvania is in the East Region (Humana Military) and the West Region is managed by TriWest Healthcare Alliance, you must update your address in DEERS and contact TriWest to transfer your enrollment. Your coverage does not "follow" you automatically across regional lines.

**Does TRICARE work with Pennsylvania Medical Assistance (Medicaid)?** Yes. By law, TRICARE is the secondary payer to most other health insurance plans, including Pennsylvania’s Medicaid program (Medical Assistance). You must inform both TRICARE and your local PA County Assistance Office of your dual coverage.

**Can I use the pharmacy at any Pennsylvania military base?** If you are eligible, you can fill prescriptions at MTF pharmacies like those at Carlisle Barracks or Fort Indiantown Gap for a $0 copay (2026 rates). For civilian prescriptions, most Pennsylvania residents use the **Express Scripts** network or home delivery.

## Sources * Humana Military (East Region Contractor): [humanamilitary.com](https://www.humanamilitary.com) * TRICARE East Region Information: [tricare.mil/east](https://www.tricare.mil/east) * US Family Health Plan: [usfhp.com](https://www.usfhp.com) * Defense Health Agency: [health.mil](https://www.health.mil)