Insurance & Benefits

Tricare Insurance Coverage for Behavioral Health Treatment

Speranza Behavioral Health works with Tricare Insurance for addiction treatment and mental health care. Tricare — the health insurance program for active-duty service members, veterans, and their families — provides comprehensive behavioral health and substance use disorder coverage. Tricare covers addiction treatment and mental health services including outpatient programs, therapy, and medication management. Coverage is available for both active-duty members and retirees.

In-network with most major insurance providers

Medically Reviewed By

Brittany Kowalski, LCSW, ACS, CCS

Clinical Director, Speranza Behavioral Health · Last clinically reviewed July 2026

Tricare Coverage

Tricare offers several plan options (Tricare Prime, Tricare Select, Tricare for Life) with different coverage structures for behavioral health. Active-duty members typically use Tricare Prime, while retirees and family members may use Tricare Select. Our admissions team is experienced in working with military families and understands the unique challenges veterans and active-duty members face when seeking behavioral health treatment.

What's Covered

Partial Care Program (PHP) — covered as intensive outpatient treatment

Intensive Outpatient Program (IOP) — covered under outpatient behavioral health benefits

Outpatient therapy — individual and group therapy sessions covered

Psychiatry & medication management — covered under behavioral health benefits

Dual diagnosis treatment — covered for co-occurring disorders

MAT (Medication-Assisted Treatment) — covered for opioid and alcohol use disorders

PTSD & trauma treatment — covered, particularly relevant for military and veteran populations

How to Verify Your Benefits

Call (866) 814-0126 for free insurance verification with your Tricare information

We confirm Tricare Prime vs. Tricare Select coverage differences

We check pre-authorization requirements for outpatient programs

We verify copay and cost-share amounts and any referral requirements

We confirm covered sessions and program length under your Tricare plan

Typical Wait Time

24–72 hours to begin treatment after verification

Deductible & Copays

Varies by plan. We'll verify exact costs upfront.

Questions About Your Tricare Coverage?

Our admissions team specializes in insurance verification and can answer all your questions about coverage, costs, and benefits. We handle all the paperwork — you just need to be ready to get help.

(866) 814-0126 — Call Now Free Assessment

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