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Learn About TRICARE Mental Health Coverage

Tricare mental health care coverage is an option for those who are both seeking help with managing health care issues while meeting the strict eligibility requirements in order to participate in a Tricare health care insurance plan. Tricare mental health providers work with those who are eligible to seek out their services under the Tricare umbrella. Tricare plans are crafted for those who are active duty members of the United States Armed Forces. Other elements of the Armed Forces, such as the National Guard and reservists are eligible for participation as are other categories of potential enrollees.

Tricare behavioral health care services are provided by qualified professionals. A Tricare therapist or other counselor or mental health professional is licensed and practices solely within the limits and scope of their professional license. To find out more about the mental health services obtainable through Tricare health insurance plans, download our free, comprehensive guide.

Who qualifies for TRICARE Mental Health Care coverage?

Tricare mental health benefits are only obtainable by those who qualify for the Tricare suite of health insurance options and plans. These plans, including Tricare behavioral health insurance options, are crafted specifically to those individuals who are serving in the United States Armed Forces in some way, or are family of active duty military members as well as select other categories of individuals and their families. Many may also ask ‘Does Tricare cover counseling for dependents?’ as well as for sponsors. To answer more of those questions, the following is a list of the categories of individuals eligible for Tricare coverages.

  • Service members – Men and women who are listed as active duty and uniformed members of the United States Armed Forces are considered eligible to benefit from Tricare programs. This includes their families, such as spouses and dependent children.
  • DEERS – Any people who are registered in the Defense Enrollment Eligibility Reporting System (DEER) may also participate in Tricare mental health care insurance coverage plans.
  • Survivors – This category of individuals is made up of those who are the survivors of the primary Tricare member, such as an active duty serviceman or woman or National Guardsman or woman, who died.
  • Former Spouses – The former spouses of eligible Tricare participants may be eligible to continue with their coverage even though they are no longer in a state of marriage with the sponsor.
  • National Guard/Reserves – Eligibility for Tricare behavioral health benefits is also extended to the members of the United States National Guard and/or the members of the Reserves as well as their families.
  • Medal of Honor – Anyone who received Congressional Medal of Honor, which is the highest military distinction that may be bestowed on an individual, is eligible for Tricare coverages, as are the members of their family.

Tricare mental health plans always categorize the potential participants into two baskets. The two categories for anyone wishing receive Tricare benefits are:

  • Sponsors – Sponsors are the active duty, Reserve, National Guard, or retired members of these military services who have the eligibility to receive benefits from Tricare programs.
  • Family members – Family members are the spouses and dependent children of the sponsors who are registered with DEER.

Tricare mental health benefits may vary from plan to plan and they may also be subject to those who are listed as beneficiaries. Depending on the nature of those who are on the plan the coverages and benefits afforded to them may change. The different categories of the individuals who may enroll into a plan include the following:

  • Active duty service members and families
  • National Guard/Reserve members and families
  • Retired service members and families
  • Retired Reserve members and families
  • Beneficiaries eligible for TRICARE and Medicare
  • Survivors
  • Children
  • Former spouses
  • Medal of Honor recipients and their families
  • Dependent parents and parents-in-law
  • Foreign Force members and families

What treatments does TRICARE Mental Health provide?

Tricare mental health providers offer a wide array of services, medications, therapies, and counseling to those individuals and/or families who are both eligible and enrolled in an approved Tricare health care insurance plan. The various types of issues which Tricare therapists or other providers can work with you to improve or maintain a healthy life include the following:

  • Applied Behavior Analysis for any insured on the autism spectrum of disorders
  • Autism Spectrum Disorders
  • Cognitive Rehabilitation Therapy
  • Collateral Visits
  • Drug Testing
  • Eating Disorders
  • Family Therapy
  • Gender Dysphoria
  • Intensive Outpatient Programs
  • Inpatient Hospital Services
  • Detoxification
  • Office-Based Opioid Treatment
  • Psychoanalysis/Psychotherapy
  • Psychotropic Medication
  • Substance Abuse Treatment
  • Residential Treatment Facility Care
  • Therapeutic Services

Other services may also be available as well as more in-depth versions and ancillary benefits to the services listed above.

Learn About TRICARE Behavioral Health Care Costs

The costs for Tricare mental health plans can vary according to a variety of factors. The date of entry into the Armed Forces, or the National Guard or the Reserves, can affect how much a sponsor and his or her family must pay in monthly premiums. Additionally, the type of mental health plan from Tricare will also have an influence on the monthly premium bill. There are many options to choose from for a mental heath care plan including the following:

  • TRICARE for Life
  • TRICARE Prime
  • TRICARE Reserve Select
  • TRICARE Retired Reserve
  • TRICARE Select
  • TRICARE Young Adult Prime
  • TRICARE Young Adult Select

Costs can vary according to the Tricare mental health plan and the services offered under those plans. Some guidelines to keep in mind when shopping for your plan and when choosing what you can afford are that all active duty armed services members are exempt from paying any out-of-pocket expenses for any services or care of any kind.

Tricare mental health insured members who are the family members of an active service member only pay when using a Prime plan if they receive care or services without first getting a referral, if they use Tricare Select plans, or if they use a network pharmacy or Tricare home delivery services. Other plans may have other costs associated with being remote or stationed overseas.

To learn more about mental health coverage, download our comprehensive guide.