TRICARE Prime vs. US Family Health Plan: Regional Alternative
The US Family Health Plan (USFHP) is a TRICARE Prime option available through select not-for-profit healthcare networks in six regions. It offers the same benefits as TRICARE Prime but uses a dedicated local network instead of the standard TRICARE network.
Eligibility
TRICARE Prime
Active duty families, retirees under 65 within Prime Service Areas.
US Family Health Plan
Active duty families, retirees under 65 living in USFHP service areas (six regions).
Feature Comparison
| Feature | TRICARE Prime | US Family Health Plan |
|---|---|---|
| Provider Network | TRICARE contractor network + MTFs | Dedicated USFHP regional network |
| PCM Required | Yes | Yes |
| Referrals Required | Yes | Yes |
| Military Pharmacy | Yes | No — uses USFHP pharmacy network |
| Availability | Nationwide in Prime Service Areas | Six regions only (ME, MA, MD, NY, PA, TX) |
Cost Comparison
| Cost | TRICARE Prime | US Family Health Plan |
|---|---|---|
| Enrollment Fee | $0 (ADFMs) | $0 (ADFMs) |
| Office Visit | $0 (ADFMs) | $0 (ADFMs) |
| ER Visit | $0 (ADFMs) | $0 (ADFMs) |
Pros & Cons
TRICARE Prime
Pros
- Available nationwide
- Military pharmacy access
- MTF access
- Standard TRICARE contractor support
Cons
- Contractor-managed — larger bureaucracy
- MTF wait times may apply
US Family Health Plan
Pros
- Dedicated local provider network
- Often higher patient satisfaction
- Not-for-profit healthcare partners
- May have better local specialist access
Cons
- Only available in six regions
- No military pharmacy access
- No MTF access
- Cannot use TRICARE network providers
Best For
TRICARE Prime
Families who want standard TRICARE Prime with MTF access and military pharmacy benefits, available anywhere in a Prime Service Area.
US Family Health Plan
Families in one of the six USFHP regions who prefer a dedicated local healthcare network with potentially better provider access and satisfaction.