TRICARE Insurance for Addiction Treatment

Posted on June 2nd, 2021

  • Does TRICARE Cover Addiction Treatment?
  • Checking Your Insurance Benefits
  • Do Treatment Centers Need to Be In-Network?
  • What Are the Coverage Levels and Plans for TRICARE?
  • What Different Types of Addiction Treatment Does TRICARE Cover?
  • What Should I Do if TRICARE Won't Cover the Total Cost of Rehab?

Dealing with an addiction issue requires a treatment plan that will get you on the road to recovery. This article provides you with information about TRICARE insurance for addiction treatment, how you can access your TRICARE plan, and how to use the insurance to begin the journey to recovery.

“American Addiction Centers (AAC) strives to provide you with the most updated information on each carriers’ addiction insurance coverage, but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels.”

Does TRICARE Cover Addiction Treatment?

Everyone who experiences a drug or alcohol addiction issue will face a host of different problems that require personalized treatment options. Understanding how TRICARE insurance works is a critical part of moving forward and getting the help you need. TRICARE does cover substance abuse treatment, just as all insurance providers do. The extent of what is covered depends on your plan’s specifics.

Checking Your Insurance Benefits

You may wonder if TRICARE covers drug rehab, and the only way to really have the answer is to check your TRICARE health plan coverage. Knowing exactly what TRICARE plans cover can give you peace of mind while you or your loved one is in rehab. You can do the work of getting and staying sober without worrying about unexpected costs or financial struggles. For more information on TRICARE insurance plans and to check what your plan covers, call +1 (888) 341-7785 , click here, or fill out the form below.

Do Treatment Centers Need to Be In-Network?

When going to a drug addiction rehab center, it’s most helpful to stay in-network, where providers have a contract with the facility.1 There are several benefits to using an in-network addiction rehab. You won’t have to pay as much in out-of-pocket costs when you go to one of TRICARE’s providers.2

TRICARE has Eastern and Western regions of network providers you can check with to see if the facility you’re considering is listed. Also, you can verify your healthcare benefits by contacting the rehab center or calling the number on the back of your card.

Verify Your Benefits at an American Addiction Centers Facility

The cost of alcohol or drug addiction treatment may appear to be an obstacle, but we are here to help. Insurance may cover all or some of your rehab.

Find out if your insurance covers long-term addiction rehabilitation.

Check Online Now

What Are the Coverage Levels and Plans for TRICARE?

TRICARE offers healthcare insurance for active duty and military veterans. Coverage is available in 2 main regions:2

West Region: Alaska, Arizona, California, Colorado, Hawaii, Idaho, Iowa (excluding the Rock Island Arsenal area), Kansas, Minnesota, Missouri (excluding the St. Louis area), Montana, Nebraska, Nevada, New Mexico, North Dakota, Oregon, South Dakota, Texas (only the southwestern corner, including El Paso), Utah, Washington, and Wyoming.

East Region: Alabama, Arkansas, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa (Rock Island Arsenal area only), Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri (St. Louis area only), New Hampshire, New Jersey, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas (excluding the El Paso area), Vermont, Virginia, West Virginia, and Wisconsin.

New active-duty service members are eligible for these plans:3

  • TRICARE Prime
  • TRICARE Prime Remote
  • TRICARE Prime Overseas
  • TRICARE Prime Remote Overseas

National Guard or Reserve members qualify for one of the following plans:3

  • Line of Duty Care
  • TRICARE Reserve Select

Other military personnel may qualify for the following plans:3

  • TRICARE Prime
  • TRICARE Prime Remote
  • TRICARE Prime Overseas
  • TRICARE Prime Remote Overseas
  • TRICARE Select
  • TRICARE Select Overseas
  • TRICARE for Life
  • TRICARE Reserve Select
  • TRICARE Retired Reserve
  • TRICARE Young Adult
  • US Family Health Plan

What Different Types of Addiction Treatment Does TRICARE Cover?

Everyone has unique needs when it comes to substance abuse treatment. For some people, inpatient residential care is the best option for their addiction problems, while others thrive from regular intensive therapy sessions.

Although coverage varies depending on the specifics of your plan, you can count on some type of addiction treatment coverage from TRICARE. Here are some of the particular addiction treatment services you may be eligible for under TRICARE’s healthcare coverage:4

  • Inpatient services
  • Medication-assisted treatment (MAT)
  • Opioid treatment programs
  • Partial hospitalization program (PHP)
  • Intensive outpatient programs (IOP)
  • Residential substance use disorder treatment
  • Management of withdrawal symptoms (detoxification)
  • Mental health therapeutic services

What Should I Do if TRICARE Won’t Cover the Total Cost of Rehab?

TRICARE may cover some, and possibly all, of your drug rehab treatment. However, you may be responsible for paying some out-of-pocket costs or deductibles. What should you do in this instance? You can seek out alternative ways to pay for drug rehab. Some options include:

  • Signing up for Medicare or Medicaid if you’re eligible.
  • Taking out a personal loan with low interest rates.
  • Checking for scholarship or financial aid opportunities.
  • Asking about a sliding scale fee plan.
  • Setting up a payment plan with the facility.

Whatever addiction issues you’re facing, TRICARE does offer some assistance with insurance coverage. You can take the first step in your recovery today by calling one of our admissions navigators today. +1 (888) 341-7785


  1. TRICARE. (2020). Network providers.
  2. TRICARE. (2021). TRICARE regional offices.
  3. TRICARE. (2021). Health plans.
  4. TRICARE. (2018). Covered services: Substance use disorder treatment.

Find a Rehab Center Near You

Related Articles