Insurance Provider Information
About TRICARE’s Substance Abuse Coverage
As substance use disorder is considered a mental health issue, the Affordable Care Act dictates that American health insurance companies must provide some degree of coverage to treat it. TRICARE offers a comprehensive approach to addiction treatment services, emphasizing a wide range of approaches that include elements like medication assisted therapy. Plans within the program vary, so you should expect to incur some out-of-pocket expenses for rehab.
TRICARE offers coverage for emergency and non-emergent inpatient hospital services for detoxification and stabilization and any medical issues that may arise from substance abuse.
Understanding Your TRICARE Insurance Coverage
When determining the extent to which your TRICAREpolicy coversdrug rehab, it helps to understand some of the standard terms used to describe your policy parameters.
- Co-pay/coinsurance: Your co-pay or coinsurance is the amount you’ll pay out-of-pocket for services, depending on the percentage designated by TRICARE per your specific policy. For instance, if your policy stipulates a co-pay of $250 for inpatient services, you’re responsible for paying this amount to the provider. If you have a coinsurance rate of 25%, you’re responsible for 25% of the rehab facility’s overall bill and your policy pays the rest.
- Deductible: The deductible is the out-of-pocket cost you have to pay annually before your policy kicks in to cover the rest of your health-care costs.
- Premium: The insurance premium is the amount you pay monthly or annually to your provider for coverage.
TRICARE Insurance Substance Abuse Treatment Coverage Specifics
Drug rehab services covered by TRICARE depend on the type of treatment services you need and what professional treatment advice has led you to choose one option over another. The particulars of coverage may also vary depending on the regional contractor administering your policy, so check the details before settling on certain services. You may need to be flexible regarding residential treatment facility care, as your plan may only cover certain providers or services.
Residential Treatment Centers
Does TRICARE cover mental health?
At Behavioral Health Centers, we accept several insurance plans, including TRICARE for mental health treatment. The TRICARE website encourages individuals experiencing a mental health crisis to get help immediately. TRICARE doesn’t require prior authorization when a person needs emergency mental health care.
TRICARE insurance plans offer coverage for inpatient and outpatient mental health care services for military service members and families. It also offers drug rehab for veterans or retirees.
Healthcare plans that comply with the Affordable Care Act include coverage for mental health services.
Does TRICARE cover diagnoses?
A psychological assessment for treatment planning will help individuals seeking mental health treatment get the interventions they need to address their concerns or be successful in recovery. TRICARE will cover psychological testing to facilitate diagnosis and treatment planning.
TRICARE is a health care insurance program for members of the U.S. armed services. Those eligible for a plan through TRICARE include uniformed service members and their family members, National Guard and Reserve members, former military spouses, survivors, Medal of Honor recipients and others registered through the Defense Enrollment Eligibility Reporting System. The program is managed by the Defense Health Agency, which operates under the auspices of the Department of Defense.
Among its offerings, TRICARE covers services for substance use disorder treatment for various rehab options around the country. Behavioral Health Centers is a TRICARE-covered rehab facility. If you have TRICARE coverage, your plan may cover some aspects of our substance use disorder treatment and military mental health treatment programs.
Intensive Outpatient Drug Rehab
TRICARE also offers coverage for intensive outpatient drug rehab programs. To qualify, you must:
- Have an official diagnosis of substance use disorder
- Not need full-time care in a traditional hospital
- Require stabilization, reduction of symptoms or relapse prevention services
- Require treatment for mental health disorders that have only been partially stabilized
- Need a higher level of care than traditional outpatient treatment
- Be transitioning from an inpatient drug rehab
The need for preauthorization for intensive outpatient programs depends on your regional TRICARE benefits contractor.
Contact Us Today to Learn What Services Are Covered by TRICARE
The addiction treatment specialists at Behavioral Health Centers are prepared to help you with the specifics of your TRICARE health insurance coverage for drug and alcohol detox, mental health therapeutic services and inpatient/outpatient rehab. We also providefinancing through a third party to help with out-of-pocket costs.
Don’t allow concerns about cost and health insurance coverage derail your desire to get addiction treatment. This critical decision can impact the rest of your life, so take every possible avenue available to you to get the help you need. Reach out to Behavioral Health Centers today to learn more about how we can help you break free from the chains of addiction.
