TRICARE health insurance is a healthcare program that is only available to military members (both active and retired) and their families. In most of its plans, TRICARE provides its members with not just medical and dental care but also a variety of mental health services. This insurance company was previously known as the Uniformed Services Civilian Health and Medical Program.
The Defense Health Agency, or Military Health System, of the United States manages TRICARE health insurance. Its objective is to provide superior medical benefits to those who serve or have served our nation, as well as their family members.
Does TRICARE Cover Drug and Alcohol Detox?
Several types of drug and alcohol detox are covered by TRICARE programs. Having TRICARE inpatient coverage does not automatically entitle you to full coverage for drug and alcohol detox. Detox clinics that accept TRICARE may ask you to pay partial expenses according to your individual insurance plan, or you may be required to obtain a doctor’s authorization and recommendation. Many insurance companies, for example, mandate that you satisfy specific requirements before being admitted to an inpatient detox treatment. TRICARE may find that you can be detoxed effectively in an outpatient setting.
The following services may be covered by TRICARE:
- Inpatient services
- Intervention programs
- Intensive outpatient programs
- Family therapeutic services
- Medication-assisted treatment
- Residential treatment
- Partial hospitalization programs
Many variables influence whether treatment and rehab services are covered by TRICARE, including specific plan details, the location of the individual seeking treatment, legal requirements, and the type of treatment requested.
Does TRICARE Cover Therapy?
Yes, various types of psychotherapy, including one-on-one therapy sessions and counseling consultations, are often covered by TRICARE for its members. Marriage and family counseling, as well as various types of group treatment for a range of mental health disorders, are frequently covered by TRICARE.
TRICARE supports numerous forms of psychological testing — tests that assist diagnose patients with specific mental health issues – in addition to treatment and counseling. This service member-exclusive insurance company may also cover various experiential treatments, such as art therapy and music therapy.
TRICARE Health Plans
Those with TRICARE coverage have numerous alternatives accessible to them, just as those with other medical insurance programs. All of the plans provided meet or exceed the criteria set by the Affordable Care Act (ACA) to guarantee that people have access to excellent health insurance alternatives that fit their unique needs.
There are eight distinct programs available, each with a thorough summary of what it does and does not cover:
- TRICARE Prime is a plan that provides coverage in specified geographical areas in the United States that are deemed “prime” locales.
- TRICARE Prime Remote is a plan that provides coverage in more remote parts of the United States, as well as in select international locations.
- TRICARE Standard and Extra is a plan that needs a cost but no enrollment in order for members to get service.
- TRICARE Standard Overseas is a plan that offers complete coverage to those living abroad.
- TRICARE for Life is a Medicare coverage option that offers additional assistance to those with Medicare Parts A and B.
- TRICARE Reserve Select is a premium-based plan that covers qualifying reserve military members and their families.
- TRICARE Retired Reserve is a premium-based plan that offers coverage to retired military members and their families under the age of 60.
- TRICARE Young Adult is a plan that offers coverage to young adult children who do not meet the requirements for other TRICARE coverage.
The nature of an individual’s service and credentials will determine specific coverage.
Inpatient Treatment Coverage
TRICARE will pay for residential treatment if the following requirements are met: the patient has an official drug use disorder diagnosis, the patient experiences withdrawal symptoms severe enough to require physician help, and the patient struggles to function in daily life. TRICARE will fund both emergency and non-emergency inpatient addiction treatment if these conditions are satisfied. When a person is in a medical or psychological crisis and requires rapid medical assistance, they are said to be in need of emergency treatment. The costs of detoxification, stabilization, and any other medical problems will be covered by TRICARE. When an individual decides to seek treatment for substance misuse on his or her own, this is referred to as non-emergency treatment. Prior permission from TRICARE is required before coverage may be granted.
Outpatient Treatment Coverage
If an individual’s plan fulfills the particular qualification standards, TRICARE will also fund outpatient therapy. A person must be addicted yet not require hospitalization or round-the-clock care. TRICARE covers several forms of outpatient care, including conventional outpatient programs, partial hospitalization programs (PHP), and intensive outpatient programs (IOP). These programs include the same therapeutic tools as residential treatment, such as group therapy and specialized counseling, but are delivered through numerous weekly treatment sessions to allow patients to keep their jobs and families while in treatment.
Standard outpatient treatment is the least intense kind of outpatient care, requiring patients to attend therapy once or twice a week at a TRICARE-approved location. IOPs are more rigorous and include therapy that must be completed multiple days per week. PHPs are the most intensive outpatient programs, requiring daily therapy lasting four to eight hours.
Do Treatment Centers Need to Be In-Network?
TRICARE generally only provides full coverage for providers that have been pre-approved by the insurance carrier. For billing addiction treatment services, participating in-network providers have a pricing agreement with TRICARE. As an out-of-pocket payment, patients at in-network addiction treatment clinics are only liable for a tiny fraction of the cost.
Patients participating in the TRICARE Select, Retired Reserve, Reserve Select, Family Health, Young Adult Select, and Prime Remote plans can see any out-of-network physician they want. Patients who choose out-of-network treatment, on the other hand, maybe required to file individual claims and pay a greater proportion of the service cost. Out-of-network providers, in fact, can charge up to 15% more than the permitted price. In some circumstances, TRICARE members must pay the entire cost of out-of-network treatments and then request reimbursement from the insurance carrier when treatment is finished.