TRICARE Pennsylvania & NSA Philadelphia Guide 2026 | TRICARE.com

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## TRICARE in Pennsylvania Pennsylvania is part of the **TRICARE East Region**. Under the current T-5 contract, the regional contractor responsible for managing the network, claims, and referrals in Pennsylvania is **Humana Military**. Beneficiaries in the Philadelphia area benefit from a robust network of civilian providers and close proximity to major military treatment facilities in the surrounding tri-state area.

## Major military installations While Pennsylvania does not host a large "closed" base like Fort Liberty, it is home to several critical support commands and National Guard hubs:

* **Naval Support Activity (NSA) Philadelphia:** Navy/Logistics (Philadelphia) * **NSA Philadelphia – Philadelphia Composite:** Navy/Defense Logistics Agency (Northeast Philadelphia) * **NSA Mechanicsburg (PNS):** Naval Inventory Control/Logistics (Mechanicsburg) * **Harrisburg Air National Guard Base:** Air Force (Middletown) * **Fort Indiantown Gap:** National Guard/Army (Annville) * **Pittsburgh IAP Air Reserve Station:** Air Force Reserve (Pittsburgh) * **Tobyhanna Army Depot:** Army Logistics (Tobyhanna)

## Plans available in Pennsylvania Beneficiaries in Pennsylvania have access to the full suite of TRICARE programs. Note that the **US Family Health Plan (USFHP)** is a popular option in the Philadelphia and Southeast PA region.

| Plan | Eligibility | Notes | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty, Family, Retirees | Managed care; utilizes PCMs for referrals. | | **TRICARE Select** | All TRICARE-eligible (except Active Duty) | PPO-style plan; most flexibility with providers. | | **US Family Health Plan** | Dependents and Retirees | Offered through the Martin's Point Health Care network in parts of PA. | | **TRICARE Reserve Select** | Qualified Guard/Reserve (Selected Reserve) | Monthly premium required ($2026 rates vary). | | **TRICARE Retired Reserve** | Retirees under age 60 | Higher premiums for non-active retirees. | | **TRICARE For Life** | Medicare-eligible beneficiaries | Requires Medicare Part B; acts as secondary payer. | | **TRICARE Young Adult** | Adult children (21–26) | Available in Prime or Select versions. |

## Finding care in Pennsylvania For those stationed at or near **NSA Philadelphia**, primary care is typically sought through the civilian network or the Branch Medical Clinic (BMC) at the Naval Support Activity.

* **Provider Directory:** To find a network doctor, use the [Humana Military Provider Search](https://www.humanamilitary.com/beneficiary/find-care). * **Network vs. Non-Network:** Using a network provider in Pennsylvania results in lower out-of-pocket costs and no requirement to file your own claims. * **Telehealth:** Humana Military offers robust telehealth options for PA residents via Doctor on Demand and other network-integrated platforms. * **Specialty Care:** For complex care, many beneficiaries utilize the University of Pennsylvania Health System or Temple Health, though a referral from a PCM is required for Prime members.

Common questions for Pennsylvania beneficiaries

**Does TRICARE work with Pennsylvania Medical Assistance (Medicaid)?** Yes. If you are "dual-eligible" for both TRICARE and PA Medical Assistance, TRICARE is always the primary payer. Medicaid is the payer of last resort.

**If I am PCSing to NSA Philadelphia, when should I switch regions?** You should wait until you have actually arrived at your new PA address. Once there, you can update your DEERS information and call Humana Military (East) to transfer your enrollment from your previous region (such as TriWest in the West Region).

**Is US Family Health Plan available in Pittsburgh?** Generally, no. In Pennsylvania, the US Family Health Plan (offered through Martin's Point) is typically restricted to specific zip codes in the southeastern/Philadelphia portion of the state. Beneficiaries in Western PA usually choose between Prime and Select.

## Sources 1. [Humana Military East Region Portal](https://www.humanamilitary.com/) 2. [TRICARE.mil Plan Finder](https://www.tricare.mil/Plans/PlanFinder) 3. [Defense Health Agency - NSA Philadelphia](https://www.cnic.navy.mil/regions/ndw/installations/nsa_philadelphia.html) 4. [US Family Health Plan Regional Coverage](https://www.usfhp.com/)