TRICARE Rhode Island: Plans, Providers, and Newport Bases

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## TRICARE in Rhode Island Rhode Island is part of the **TRICARE East Region**. Comprehensive medical coverage for military families in the Ocean State is managed by the regional contractor, **Humana Military**. Services in Rhode Island are centered around the high concentration of military activity in the Newport area, though residents across the state have access to a robust network of civilian providers.

## Major military installations Rhode Island is home to several critical military facilities, primarily focused on naval education and research.

* **Naval Station Newport (Navy):** Located in Newport and Middletown, this is the primary hub for Navy training and the Naval War College. * **Quonset Point Air National Guard Station (Air Force/Air National Guard):** Located in North Kingstown, home to the 143d Airlift Wing. * **Camp Fogarty (Army National Guard):** Located in East Greenwich, providing training facilities for the RI National Guard. * **Naval Undersea Warfare Center (Navy):** Located in Newport, focusing on research and development for submarine systems.

## Plans available in Rhode Island Beneficiaries in Rhode Island have access to most standard TRICARE programs. Note that the **US Family Health Plan (USFHP)** is a popular option in this region, provided locally through Brighton Marine.

| Plan | Eligibility | Best For | | :--- | :--- | :--- | | **TRICARE Prime** | Active Duty & families in Prime Service Areas | Managed care with lowest out-of-pocket costs. | | **TRICARE Select** | Active Duty families & Retires | Flexibility to see any TRICARE-authorized provider. | | **US Family Health Plan** | Families and retirees (under age 65) | A Prime option using the Brighton Marine/Tufts Health Plan network. | | **TRICARE Reserve Select** | Qualified Guard/Reserve members | Affordable premiums for part-time service members. | | **TRICARE Retired Reserve** | Retired Guard/Reserve under age 60 | Health coverage before reaching "gray area" retirement age. | | **TRICARE For Life** | Dual-eligible for Medicare and TRICARE | Wraparound coverage for Medicare-eligible retirees. | | **TRICARE Young Adult** | Adult children under age 26 | Extension of coverage for those no longer eligible for standard plans. |

*Note: 2026 enrollment fees and catastrophic caps vary by beneficiary group (Group A vs. Group B). Check the Humana Military portal for current 2026 rate sheets.*

## Finding care in Rhode Island Because Rhode Island is a small state, many beneficiaries live within range of the **Naval Health Clinic New England (NHCNE)** in Newport. However, those using TRICARE Select or those living outside the Newport Prime Service Area rely on civilian networks.

* **Provider Directory:** Use the Humana Military East Region provider search tool to find network doctors in Providence, Warwick, or Cranston. * **US Family Health Plan:** If enrolled in USFHP, you will use the **Brighton Marine** provider network rather than the standard Humana Military network. * **Telehealth:** TRICARE covers secure video conferencing for many services. In Rhode Island, you can access telehealth through Doctor On Demand or via individual network providers who offer virtual visits. * **Pharmacy:** While prescriptions can be filled at Naval Station Newport, most beneficiaries use **Express Scripts** for home delivery or retail pharmacies like CVS or Walgreens.

Common questions for Rhode Island beneficiaries

**I am PCSing to Naval Station Newport; how do I switch my care?** You should contact Humana Military to transfer your enrollment to the East Region as soon as you arrive. If you were previously in the West Region (California, Washington, etc.), your records will be accessible, but you must actively update your address in DEERS and select a new Primary Care Manager (PCM) in Rhode Island.

**Can I use TRICARE and Rhode Island Medicaid (RIte Care) together?** Yes. If you are eligible for both, TRICARE is the primary payer and Medicaid is the payer of last resort. This means providers will bill TRICARE first, and Medicaid may cover the remaining out-of-pocket costs or copayments.

**Is there a military hospital in Providence?** No. While there is a major VA Medical Center in Providence, it primarily serves Veterans. Active duty families and retirees in the Providence area typically use the TRICARE civilian network or travel to the Naval Health Clinic in Newport for military-specific care.

## Sources * TRICARE East Region - Humana Military: [humanamilitary.com](https://www.humanamilitary.com/) * Naval Health Clinic New England: [newengland.tricare.mil](https://newengland.tricare.mil/) * US Family Health Plan (Brighton Marine): [usfhp.net](https://www.usfhp.net/) * TRICARE Pharmacy Program - Express Scripts: [militaryrx.express-scripts.com](https://militaryrx.express-scripts.com/)