Covering Treatment Services
If you or someone you love is battling drug or alcohol dependence, pressure to sort through good care can be overwhelming—especially where insurance and price come into play. Tricare insurance is a sought-after choice among many families, yet trying to figure out what rehabs accept Tricare, becomes very frustrating with all the conflicting news out there.
Having an idea where to go and what to expect from Tricare coverage can make all the difference. With all the options, policies, and treatment programs out there, it’s easy to get lost in the shuffle. But having straight information up front about your benefits, what kinds of treatment are covered, and how to access care can take a huge weight off your shoulders. If you are helping out a relative or asking for help yourself, being aware of how your Tricare works gives you the power to proceed with confidence.
What Is Tricare?
Tricare is a health insurance program provided by the U.S. Department of Defense. It offers healthcare to active-duty service members, retirees, and their families. With several plan options, Tricare insurance works with civilian and military providers to give service members the medical and behavioral health care they need.
There are several Tricare plans available:
- Tricare Prime
- Tricare Select
- Tricare Reserve Select
- Tricare for Life
Each plan has different costs, eligibility rules, and provider networks. However, all plans aim to make medical and behavioral health treatment more accessible to those who serve.
If you’ve asked, “Is Tricare expensive?” The answer depends on the plan. Many active-duty members have little or no out-of-pocket costs, while retirees or reservists may have copays or enrollment fees. Despite these costs, Tricare insurance coverage is often more affordable than private market plans.
Does Tricare Cover Addiction Treatment?
Tricare coverage includes treatment for:
- Drug addiction
- Alcohol addiction
- Mental health conditions
- Dual diagnosis and co-occurring disorders
If someone is dealing with substance abuse and also facing mental health conditions like PTSD, depression, or anxiety, Tricare often covers care for both issues at the same time. This is especially important because these challenges are deeply connected, and treating one without the other can make recovery harder. With Tricare, individuals can access care that addresses their full picture of needs—helping them work through addiction while also finding support for their emotional and psychological struggles.
Levels of care often covered include:
- Medical detox
- Inpatient rehab
- Partial hospitalization programs (PHP)
- Intensive outpatient programs (IOP)
- Individual and group therapy
Each type of care might require you to get a referral from your doctor or pre-approval from Tricare, which can feel like one more thing to worry about when you’re already dealing with a lot. That’s why it’s helpful to take a closer look at your specific Tricare plan so you know what services are included and what steps you need to take to get approved. This can help avoid any delays and give you peace of mind. So if you’re still asking yourself, What does Tricare cover?—the answer is: a lot more than you might think, especially when the rehab facility is in-network and works directly with Tricare to simplify the process for you.
What Rehabs Accept Tricare?
Trying to find a rehab that accepts Tricare can feel overwhelming, especially when you’re already dealing with the stress of addiction or supporting someone who is. The truth is, not every treatment center works with Tricare, and sorting through the options can take time and patience. Some facilities are in-network, which usually means fewer out-of-pocket costs, while others might be out-of-network or require you to pay first and wait for reimbursement. This process can be confusing if you’re not familiar with how Tricare insurance works, but with the right guidance, it becomes more manageable.
Here’s what to look for:
- Accreditation: Make sure the rehab facility is licensed and accredited.
- Tricare Network Status: Ask if the center is an in-network or out-of-network provider.
- Level of Care: Ensure the facility offers the kind of program you need—whether it’s detox, inpatient, or outpatient care.
- Mental Health Services: Check if the program treats co-occurring disorders and offers dual diagnosis care.
At HB Treatment Center in Huntington Beach, we take great pride in supporting military families and veterans by working directly with Tricare to make sure they can access high-quality care without unnecessary stress. We understand how confusing insurance can be—especially when you’re already dealing with addiction or mental health struggles—so our team is here to make things easier. From the first call, our caring staff will help you verify your Tricare benefits and walk you through each step of the approval process. You won’t be left guessing about what’s covered or facing surprise costs. Instead, you’ll feel supported, informed, and empowered to focus on what truly matters—healing and recovery.
How Much Does Tricare Cover?
Tricare typically covers a significant portion of addiction treatment and mental health care when medically necessary and provided by an authorized facility.
Coverage can include:
- Full or partial payment for detox and rehab services
- Therapy sessions (individual and group)
- Medications for treatment
- Aftercare and relapse prevention services
How much does Tricare cover? That depends on:
- Your Tricare plan type
- Whether the facility is in-network
- Referral and prior authorization requirements
- Your deductible or copay structure
For active-duty members, most treatment costs are fully covered. Retirees and reservists may need to cover some costs out of pocket. Fortunately, HB Treatment Center accepts most major Tricare plans and works to minimize your expenses as much as possible.
Does Tricare Cover Mental Health Disorder Treatment?
Yes—Tricare does offer coverage for mental health disorder treatment. Tricare provides access to essential care that can truly make a difference for individuals facing emotional and psychological challenges. Whether someone is experiencing depression, PTSD, anxiety, or another mental health concern, Tricare helps connect them to professional support and services that can restore balance and improve well-being. That coverage includes:
- Psychiatric evaluation
- Inpatient psychiatric care
- Outpatient therapy
- Medication management
- Crisis intervention
It’s not uncommon for people struggling with addiction to also experience mental health issues like anxiety, depression, or trauma. These overlapping challenges are referred to as co-occurring disorders or dual diagnosis, and they often feed into each other in ways that make recovery more difficult if only one is treated. Someone might turn to drugs or alcohol as a way to cope with emotional pain, while the substance use itself worsens the mental health symptoms. That’s why it’s so important to treat both issues together—with compassion, understanding, and the right kind of support. Getting help for both addiction and mental health at the same time isn’t just helpful—it’s crucial for true healing that lasts.
At HB Treatment, we recognize that treating mental health isn’t optional—it’s vital. Our licensed clinicians help Tricare members find stability by providing real, evidence-based care.
HB Treatment Center and Tricare Insurance Coverage
HB Treatment proudly works with Tricare insurance to provide care to service members, veterans, and their families.
Here’s what we offer:
- Detox programs for drug and alcohol addiction
- Inpatient rehab with 24-hour care
- Outpatient programs for flexible support
- Counseling and psychiatric services for mental health
- Programs that address co-occurring disorders
We believe in making rehab accessible and effective, without excessive paperwork or surprise costs. Our admissions team works directly with Tricare representatives to confirm your insurance coverage and get you the care you need—without delays.
If any portion of your treatment isn’t fully covered, we’ll discuss financing options that keep recovery within reach. No one should be denied treatment because of money.
Get Help at HB Treatment
Recovery begins with a single, brave decision—and you don’t have to make it alone. If you or someone close to you has Tricare and needs support for addiction or mental health treatment, HB Treatment Center is here to help you through it. We know how overwhelming it can be to navigate insurance and figure out next steps, especially when emotions are running high. That’s why our kind, knowledgeable team is ready to walk beside you, answer your questions, verify your Tricare benefits, and guide you with care every step of the way. You deserve peace of mind, real answers, and a place where hope feels possible again.
If you’re ready to take that step, don’t wait—reach out to HB Treatment today! We’re here when you need us most.
FAQs
1. What is Tricare?
Tricare is a health insurance program for military members, retirees, and their families. It provides access to medical and behavioral healthcare services.
2. What does Tricare cover for addiction treatment?
Tricare may cover detox, inpatient and outpatient rehab, therapy, and medications, depending on your plan and treatment needs.
3. Does HB Treatment accept Tricare insurance?
Yes, HB Treatment works with Tricare to provide addiction and mental health services for eligible clients.
4. How much does Tricare cover for rehab?
Coverage varies by plan type, provider network status, and level of care. Our team will help you verify benefits before admission.
5. Does Tricare cover mental health disorder treatment?
Yes, Tricare covers treatment for mental health conditions such as depression, PTSD, anxiety, and more—often alongside addiction care.