TRICARE Insurance Coverage for Drug and Alcohol Rehab Centers Near Me
TRICARE is a health insurance plan that specifically covers military members. If you’re in the military and struggle with substance use, you can feel isolated and alone. You might even worry about being disciplined and damaging your career if you get caught.
The truth is, you’re not alone. More than one in 10 veterans who seek care at the VA meet the criteria for a substance use disorder.1, first paragraph If you’re struggling with substance use and are ready to break free, you might already know that you need rehab treatment. But how do you afford it?
TRICARE insurance coverage can help you pay for the treatment you need. Like all long-term insurance plans, the Affordable Care Act (ACA) requires TRICARE to offer at least some coverage for 10 essential health benefits, which include mental health and substance use treatment.2, fifth bullet
The exact coverage you get will depend on your individual plan, so be sure to verify your coverage before you commit to a treatment program. You can call the number on the back of your insurance card or contact American Addiction Centers (AAC) anytime. Our admissions navigators can review your coverage in just a few minutes.
Tricare Insurance alcohol and drug treatment coverage
TRICARE insurance will focus on covering medically-necessary, evidence-based treatment programs. However, there’s no single treatment plan that works for everyone. Instead, your doctor will work with you to create a personalized plan that fits your needs.
Some of the most common treatment programs include:3,4
- Inpatient rehab. Inpatient care provides an escape from the everyday distractions that can hinder someone’s ability to focus on getting well. This style of care allows for around-the-clock support and supervision, which can be extremely beneficial for those who are struggling with substance use. Inpatient care also provides a fresh start in a new environment, where you are able to learn new habits and coping mechanisms without the influence of your regular surroundings.
- Outpatient rehab. Outpatient treatment is a way to get help for addiction while maintaining a more normal daily schedule. You can continue to work or attend school during outpatient treatment, as the program usually meets at night or in the early morning. Outpatient care focuses on drug abuse education, individual and group counseling, and teaching participants how to cope without their substance use. Outpatient treatment can be a starting point for treatment or a follow-up after you graduate from inpatient treatment.
- Intensive outpatient programs (IOP). IOP programs offer counseling, educational programs, and medication management if required, all in a structured setting. This type of care is more focused than regular outpatient care and can help you build the skills you need to live life without substance use. IOPs are also a great place to learn about the issues that cause addiction and find ways to address them.
- Medication-assisted treatment (MAT). MAT is the use of medications, in combination with counseling and behavioral therapies, as part of substance use treatment for alcohol or opioid disorders. It can provide a “whole-patient” approach to treatment and improve outcomes for long-term recovery.
The most important part of any treatment program is that you complete it fully. It’s tempting to leave early when you start feeling better, but that can leave you vulnerable to falling back into old habits under pressure. When you finish your treatment program, you can practice your new habits in a safe environment, so you’re prepared for whatever life throws at you.
You deserve complete freedom from substance use, so be sure to take advantage of your entire treatment program.
Are Mental health treatment facilities covered by Tricare Insurance?
Mental health concerns can be overwhelming, especially when you also struggle with substance use. However, it’s more common than you might think. In fact, studies show that 50% of those who struggle with substance use also have a mental health diagnosis, which is known as a co-occurring disorder.5, second paragraph
When you have a co-occurring disorder, it’s important to treat both your mental health and substance use at the same time. Research has shown that integrated treatment gives you a much better chance at long-term recovery.6, first paragraph
Fortunately, many rehab treatment centers have treatment programs that specialize in treating both mental health and substance use. When this is part of your treatment plan, you’ll want to look for rehabs that have this specific program available.
Will your TRICARE coverage help pay for mental health treatment as well? Yes, TRICARE mental health coverage can help you get the care you need. TRICARE covers inpatient and outpatient therapy, MAT, and more.7, table
TRICARE is a health insurance program for active duty military and their families, National Guard and Reserve members and their families, and some military retirees and survivors.8, first paragraph
With TRICARE coverage you can use both the Military Health System and a network of civilian providers.8, second paragraph Depending on your military status, you’ll be eligible for at least one of 12 different plans offered by TRICARE.8, what plans can I choose from You can enroll in TRICARE online or by calling the TRICARE 800 number.8, Getting started is easy
TRICARE divides the US into two regions for coverage, TRICARE East and TRICARE West.8, Can I get… There are also three overseas regions.8, Can I get…
In general, which TRICARE plan you qualify for will depend on your military status and where you live in the world.8, what plans can I choose from As you look into getting treatment for substance use, it’s important to understand the details of your individual plan. To get the details, call TRICARE directly or reach out to AAC anytime by phone or online.
Our admissions navigators can review your insurance in just a few minutes and are available to answer any questions you have about rehab.
Tricare covered Rehab and Detox Centers
How do you know what treatment programs are part of the TRICARE network? There are several ways to find out.
You can contact TRICARE directly and find out what treatment centers are covered with your plan, or you can log in to your account and use the provider finder online. You can also ask a treatment center if they accept your specific TRICARE plan.
One very easy way to find out what your options are is to contact AAC or fill out our form below. We’re available 24/7 by phone or online. Our admissions navigators will review your coverage in a few minutes while chatting with you, and you can ask any questions you have about treatment.
AAC is proud to run a network of high-quality treatment centers, including Desert Hope treatment center in Las Vegas. Desert Hope has a special military-focused treatment program called Salute to Recovery. We know that the experiences of military members are unique and it’s easier to overcome substance use when you can talk to people who share your background.
We are ready to help you break free. All you need to do is take the first step to get started.
Rehab not covered by Tricare insurance policy
Depending on the treatment program you choose, you might find that only part of the cost of rehab is covered, and you have to pay the rest.
Or, you might find that the specific treatment program you’re interested in isn’t one of the TRICARE-approved residential treatment centers, so you have to pay the full cost of treatment yourself.
Don’t let that stop you from getting the care you need. There are many ways to pay for rehab, and your TRICARE rehab coverage is only part of the solution. For example, the treatment program might have a scholarship, or you may be able to set up a payment plan.
Some people find a treatment program with a sliding scale of fees based on their financial situation or borrow money from family and friends. Once you are free of substance use, you’ll be in a far better position to manage your finances.
The most important thing is not to delay treatment due to cost. Substance use has very serious long-term legal and health impacts, and you want to break free before it’s too late. Take the first steps to getting treatment today.
How to find Tricare-covered rehab?
Finding a rehab that’s covered by your insurance plan doesn’t have to be hard. You can simply contact AAC anytime, 24/7. We’re available by phone or online, or through the form below.
We can verify your insurance coverage and help you find a treatment center that’s part of your TRICARE network. There are a variety of high-quality AAC treatment centers around the country, and finding the right program for your needs is a top priority.
As a military member, you’ve already made significant sacrifices for our nation. You don’t have to let substance use hold you back from fulfilling your dreams. Instead, break free by getting the treatment you need today.
Contact us to take the first step toward a happier, healthier life.