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TRICARE Insurance for Mental Health & Substance Abuse Treatment

Tricare is a nationwide healthcare insurance provider that works to help Veterans and active-duty service members with health solutions.1
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TRICARE Insurance Coverage for Drug and Alcohol Rehab Treatment

Current and former military personnel have access to Tricare insurance coverage because Tricare is part of the U.S. Military healthcare system. 1 If you have served the country in any capacity or still are doing so, then you may have tapped into the resources of Tricare coverage.

Does TRICARE Cover Addiction Treatment?

TRICARE does cover addiction treatment, just as all insurance providers do. The extent of what is covered depends on your plan’s specifics. Struggling with a drug or alcohol addiction is a problem that millions of Americans deal with at some point in their lives. 2 The National Institutes of Health reports that up to 75% of the people who have a form of substance addiction do not seek treatment for various reasons. 2

If you are among those who are battling any type of addiction, it’s crucial to seek treatment promptly instead of delaying it. You may wonder about your Tricare drug coverage options you have. Read on for more information about accessing insurance benefits for an addiction issue and let American Addiction Centers aid you during this process.

Does TRICARE Insurance Cover Drug and Alcohol Addiction Rehab?

If you have  a health insurance policy with TRICARE, you may be wondering if it includes substance abuse rehab coverage. The short answer is yes, however the treatment coverage for drug and alcohol addiction may vary depending on which plan you are on.

Each person who deals with drug addiction has their own journey of healing. Some people need a more extensive rehab program, such as 24/7 care, while others find help on an outpatient basis. Tricare substance abuse treatment coverage manages a range of these services and many others. Here is a closer look at the Tricare substance abuse treatment approaches that may be covered: 3

  • Inpatient services
  • Residential substance use disorder treatment
  • Partial hospitalization programs
  • Intensive outpatient programs
  • Management of withdrawal symptoms (detoxification)
  • Medication-assisted treatment
  • Mental health therapeutic services
  • Opioid treatment programs

Does Tricare Insurance Cover Inpatient Mental Health Treatment Facilities?

Tricare mental health coverage is just as vital to your well-being as substance abuse treatment. Why is that? According to the experts, there is a strong correlation between substance abuse and mental health disorders. 4 About half of those who have one will also have the other condition, and vice versa. 4 Research indicates that people with certain mental health conditions are more prone to abuse substances. Some of these mental health disorders include: 4

  • Anxiety
  • Depression
  • Anti-social personality disorder
  • Borderline personality disorder
  • ADHD

Treating both mental health disorders and substance abuse issues simultaneously is critical for a successful recovery. Otherwise, you can cycle back and forth between the 2 issues.

As you consider Tricare rehab center, it’s crucial to ensure that they offer mental health services, too. Tricare provides mental health coverage for its participants. 5 Some of the services covered include: 5

  • Psychotherapy
  • Psychoanalysis
  • Psychological testing and assessment
  • Medication-assisted treatment
  • Ancillary therapies

TRICARE Health Plans

Tricare offers several insurance plans for active-duty and military Veterans. Your plan will depend on your military service. Here are more specifics.

If you are a new active-duty service member, you can take advantage of the following Tricare insurance plans: 6

  • Tricare Prime
  • Tricare Prime Remote
  • Tricare Prime Overseas
  • Tricare Prime Remote Overseas

If you’re in the National Guard or Reserves, you may qualify for one of the following plans: 6

  • Line of Duty Care
  • Tricare Reserve Select

For other military personnel who are not new service members, National Guard, or Reserves, the following plans are available: 6

  • Tricare Prime
  • Tricare Prime Remote
  • Tricare Prime Overseas
  • Tricare Prime Remote Overseas
  • Tricare Select
  • Tricare Select Overseas
  • Tricare for Life
  • Tricare Reserve Select
  • Tricare Retired Reserve
  • Tricare Young Adult
  • US Family Health Plan

Contact a Tricare insurance coordinator for more details.

What Types of Drug Rehab Centers Does TRICARE Insurance Cover?

No matter what plan you have, Tricare drug coverage is one component of your insurance. However, you need to ensure that the facility you choose is one of the Tricare-approved residential treatment centers. You can find out by contacting the phone number on the back of your card or contacting the rehab facility.

You may find that certain rehab centers are in-network and others are out-of-network. If a drug rehab is in-network, they have a contract with Tricare and your out-of-pocket costs will be lower. If a rehab is out-of-network, you can still participate in rehab at the facility, but you will have to pay more.

Tricare Therapy Coverage for Drug or Alcohol Rehab

Desert Hope Treatment Center offers special programs and services for Veterans. The Rally Point: AAC program provides a comprehensive, evidence-based addiction treatment rehab. Desert Hope understands the trauma, depression, and substance use that often accompany being in the military. Through detox and therapy, healing and recovery are within reach. Some of the specific therapy regimens Desert Hope uses include:

  • Cognitive-behavioral therapy
  • Dialectical behavioral therapy
  • Motivational interviewing
  • Eye movement desensitization and reprocessing
  • Family therapy
  • Psychoeducation
  • Matrix model

How Can I Pay the Costs Not Covered by TRICARE Insurance?

Depending on the exact level of your Tricare rehab coverage, it may or may not pay for every cost. You might have to pay for part of the treatment costs. If this occurs, there are other payment options you can explore, such as:

  • Sliding scale fee
  • Credit card
  • Borrow from family or friends
  • Financing or payment arrangements with the rehab facility

It’s vital that you find a way to get the addiction treatment you need and deserve. Self-care is essential to your health right now. Don’t delay reaching out to any of the Tricare drug treatment providers near you for more information.

How to Find Tricare Covered Rehab Centers?

With the help of American Addiction Centers (AAC), you can begin the journey to a new you. American Addiction Centers employs licensed and experienced staff who will provide you with quality care. At AAC, we can verify your insurance coverage and start the admission process immediately. Simply fill out the form listed below and get your answer right away.

For further details, you can call the hotline at AAC and speak to a representative. They will check your benefits right then while you wait on the phone. Find out more by calling today.


Does TRICARE Insurance Cover Drug and Alcohol Detox Programs?

Yes, TRICARE covers drug and alcohol detox and rehabilitation. The degree of coverage depends on each individual’s plan. It may cover different levels of care:7
Inpatient treatment
Residential programs
Partial hospitalization
Outpatient services
Medication management
Behavioral health services
Treatment for opioid use disorder
TRICARE plans never cover aversion therapy and treatment types that aren’t evidence-based.7

Will TRICARE Cover Medication-Assisted Treatment?

Yes, TRICARE plans cover medication-assisted treatment (MAT) for substance use disorder.2 MAT merges mental health treatment and medication therapy. The beneficiary has to be eligible for this type of care and, in the case of buprenorphine treatment, the rehab facility needs to be certified to administer it.8

What Behavioral Health Treatments Does TRICARE Cover?

TRICARE provides coverage for a wide scope of mental health services, including:9
Mental health assessment.
Individual, group, and family psychotherapy.
Psychoanalysis (if the center has adequate certification and the services are pre-authorized).
Medication for mental health disorders.
Medication-assisted treatment.
Ancillary therapeutic approach (as part of certain levels of care).
Electroconvulsive therapy (if applicable).

Does TRICARE Cover Intensive Outpatient (IOP) Rehab Centers?

Some member could qualify for intensive outpatient treatment covered by TRICARE if they:10
Suffer from a substance use or mental health disorder.
Don’t require hospitalization.
Require symptom management, stabilization, or relapse prevention.
Require higher-intensity outpatient treatment.
Are making a transition from inpatient care, residential treatment, partial hospitalization or a standard outpatient program.

What Are Some of the Benefits That TRICARE Offers for Addiction Treatment?

TRICARE covers substance use treatment services that are evidence-based.7 Also, a professional assessment has to confirm them to be medically necessary for the patient. Particular regulations and limitations apply to some services. Also, certain treatment options, such as aversion therapy, aren’t included.7

Get the Care & Support You Need

Rediscover your joy during your stay at one of our American Addiction Center's facilities. We provide you the care you need to get clean and stay sober.

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