Editor’s Note: This article by MOAA staff is part of MOAA’s 2025-26 TRICARE Guide, brought to you by MOAA Insurance Plans, administered by Association Member Benefits Advisors (AMBA). A version of the guide appeared in the November 2025 issue of Military Officer magazine.  

TRICARE beneficiaries living in six designated service areas throughout the contiguous U.S. have an additional TRICARE Prime option available to them through networks of community-based, not-for-profit health care systems: the US Family Health Plan (USFHP).

Beneficiaries enrolled in USFHP receive all their care, including prescription drug coverage, through a network primary care provider (PCP) available within that specific program.

All USFHP costs mirror TRICARE Prime enrollment and copay structure; active duty family members pay no enrollment fee and no out-of-pocket
costs for any type of care, as long as care is received from the USFHP provider.

[RELATED: How MOAA Is Fighting to Close TRICARE Coverage Gaps]

All others pay TRICARE Prime annual enrollment fees and network copayments.

Care sought without a PCP referral will be treated as point-of-service care, and charges will apply accordingly.

Visit TRICARE.mil for more information. To enroll, follow the same procedures as TRICARE Prime:

• Enroll online via milConnect.
• Call the USFHP-designated provider (see contact information below). Check with the provider to ensure your location is in their coverage area.
• Mail the enrollment form (DD Form 2876-1) to the designated provider’s address on the form.

USFHP enrollment precludes the use of military treatment facility networks, including the pharmacy.

USFHP Systems

• Brighton Marine (800-818-8589) serves Massachusetts, including Cape Cod, Rhode Island, and parts of northern Connecticut.
• CHRISTUS Health (800-678-7347) serves Houston and San Antonio as well as Leesville and Lake Charles, La.
• Martin’s Point Health Care (888-241-4556) serves Maine, New Hampshire, Vermont, upstate and western New York, and parts of Pennsylvania.
• Pacific Medical Center (800-585-5883) serves western Washington, most of central and eastern Washington, northern Idaho, western Oregon, and most of California.
• Vincent Catholic Medical Centers (800-241-4848) serve New Jersey, western Connecticut, the lower Hudson Valley, and New York City, including Nassau and Suffolk counties.
• Johns Hopkins Health Plans (800-801-9322) serves Maryland, Delaware, Washington, D.C., and parts of Pennsylvania, Virginia, and West Virginia.

Visit this link and enter your ZIP code to see if you reside within the coverage sector of USFHP programs. For Johns Hopkins, use this link. 

Who Is Eligible?

• Active duty family members
• Family members of activated National Guard/Reserve members
• Medal of Honor recipients and their families
• Retired servicemembers and their families, including retired National Guard/Reserve members age 60 and older and their family members
• Nonactivated National Guard/Reserve members and family members who qualify under the Transitional Assistance Management Program
• Survivors
• Qualified former spouses 

[LEARN MORE: US Family Health Plan Eligibility]