TRICARE Rhode Island: Naval Station Newport & East Region Guide

*TRICARE.com is an independent reference site and is not an official government platform. For official policy and the most current enrollment data, visit TRICARE.mil.*

## TRICARE in Rhode Island Rhode Island is part of the **TRICARE East Region**. Comprehensive health coverage for beneficiaries in the "Ocean State" is managed by **Humana Military**, the regional contractor responsible for provider networks and claims processing. While a small state, Rhode Island features a high concentration of military activity centered around the major naval facilities in Newport.

## Major military installations The primary military presence in Rhode Island is located in the Narragansett Bay area:

* **Naval Station Newport (NAVSTA Newport):** Navy — Newport, RI (Home to the Naval War College and Officer Candidate School). * **Naval Health Clinic New England:** Navy — Newport, RI (Primary medical facility for the base). * **Quonset Point Air National Guard Station:** Air National Guard — North Kingstown, RI. * **Camp Fogarty:** Army National Guard — East Greenwich, RI.

## Plans available in Rhode Island Beneficiaries in Rhode Island have access to several TRICARE programs depending on their duty status and location:

| Plan | Best For | | :--- | :--- | | **TRICARE Prime** | Active duty and their families located near NAVSTA Newport; requires a Primary Care Manager (PCM). | | **TRICARE Select** | Those who prefer to manage their own care without referrals; involves various out-of-pocket costs. | | **TRICARE Reserve Select (TRS)** | Qualified members of the Selected Reserve and their families. | | **TRICARE Retired Reserve (TRR)** | Retired Reserve members under age 60. | | **TRICARE For Life (TFL)** | Dual-eligible beneficiaries (Medicare and TRICARE). | | **TRICARE Young Adult** | Qualified adult children (ages 21–26) who have aged out of regular TRICARE. | | **US Family Health Plan (USFHP)** | An additional Prime option offered through **Brighton Marine** for those living in specific Rhode Island zip codes. |

## Finding care in Rhode Island Most active duty personnel and their families living near Newport will receive primary care at **Naval Health Clinic New England**. For specialty care or for those using TRICARE Select, beneficiaries should use the Humana Military provider directory to find "In-Network" providers to minimize out-of-pocket expenses.

* **Provider Directory:** Access the East Region directory via Humana Military. * **US Family Health Plan:** If you enroll in USFHP through Brighton Marine, you will use their specific network of civilian doctors rather than the military clinic. * **Telehealth:** 2026 rates for telehealth vary by plan; however, many Prime users can access Doctor On Demand or Teledoc with no copay (verify current status with Humana Military).

Common questions for Rhode Island beneficiaries

**I am PCSing to Naval Station Newport. How do I switch my coverage?** You should update your address in DEERS first. Once settled, you can transfer your Prime enrollment to the East Region through Humana Military. Because Newport is a Prime Service Area (PSA), most families will be assigned to the Naval Health Clinic New England for primary care.

**Does Rhode Island Medicaid work with TRICARE?** Yes. By law, TRICARE is the secondary payer to all other health insurance plans except for Medicaid, CHAMPVA, and Indian Health Service. If you have both, TRICARE pays last.

**Can I use any pharmacy in Rhode Island?** You can use the pharmacy at Naval Health Clinic New England for $0 copays. For civilian options, you must use an **Express Scripts** network pharmacy (like CVS or Walgreens) or the TRICARE Pharmacy Home Delivery service for maintenance medications.

## Sources * **TRICARE East Region Contractor:** [Humana Military](https://www.humanamilitary.com/) * **Naval Health Clinic New England:** [NewEngland.tricare.mil](https://newengland.tricare.mil/) * **Official TRICARE Plan Information:** [TRICARE.mil](https://www.tricare.mil) * **US Family Health Plan (Brighton Marine):** [USFHP.net](https://www.usfhp.net)