Tricare is a leader in the provision of healthcare insurance for uniformed service members, retirees, and their loved ones. Regardless of where they are in the world, Tricare offers top-notch insurance so that those who have served their country in one way or another receive the utmost quality of care for whatever type of service they are seeking.
For many members of Tricare, treatment for substance use disorders is necessary, which is why Tricare works to provide as much coverage for associated services as possible.
In addition to providing treatment for substance use disorders, Tricare also offers their members a number of different health plans to choose from based on the specific needs of themselves and their families.
What Does Tricare Cover?
Tricare offers various levels of coverage for a wide range of treatments associated with substance use disorders. However, in order to receive any type of coverage for treatment, Tricare must be able to see that the requested care is medically necessary and considered proven prior to approval.
In relation to the treatment of substance use disorders, Tricare does offer coverage for the following for those members who are eligible:
- Inpatient programs
- Intensive outpatient programs
- Detoxification services
- Medication-assisted treatment (MAT)
- Mental health therapy
- Office-based opioid treatment
- Opioid treatment programs
- Partial hospitalization programs
- Residential treatment programs
While Tricare offers coverage for these types of treatment options, it does not cover aversion therapy or unproven treatments. In most cases, however, the treatment services that Tricare can provide coverage for will only be covered to a certain extent, rather than fully covered.
Inpatient Addiction Treatment vs. Outpatient
Inpatient treatment and outpatient are two of the most participated in treatment programs for those with substance use disorder. Both programs, which are geared towards people who have very different challenges with substance use disorders, are highly effective in treating the symptoms and effects of this disease.
Inpatient addiction treatment is a top option for those who require intensive, hands-on treatment. When enrolled in an inpatient addiction treatment program, clients will be able to participate in a number of different services designed specifically to help them get sober and establish a strong footing in recovery. For many clients, they begin inpatient treatment by detoxing with the help of a team of medical and mental health professionals. Once physically and psychologically sound, clients will enter into a steady routine of therapy sessions that can help them identify the underlying causes of their substance use disorder, the people, places, and things that trigger them to use, and what they can do to prevent further substance abuse. And, when ready to complete inpatient treatment, clients will receive help and support in developing an aftercare plan that will encourage their continued recovery. Most clients who complete inpatient treatment spent anywhere from 30-90 days in the program while they lived on campus.
Outpatient treatment offers care for those who are not experiencing full-blown addiction, who have suffered a relapse, or who have already completed other levels of treatment prior to enrolling in outpatient care. When participating in an outpatient treatment program, clients will be provided with a plan that meets their unique needs. Part of that plan will include attending different therapy sessions for the duration of their time in treatment, which is usually anywhere from 6-8 weeks. Clients will also be able to continue to live at home while still engaging in his or her program.
Inpatient addiction treatment and outpatient addiction treatment programs vary in a number of ways, including the following:
- Inpatient requires clients to live on campus while outpatient does not
- Outpatient only requires clients to attend therapy sessions a few days a week while clients of an inpatient program attend therapy every day
- Clients in an inpatient program typically have more needs than those in outpatient treatment
- The level of care provided at inpatient treatment is greater than that offered at outpatient treatment
Before signing up for a program, it can be helpful to speak to a Tricare representative about coverage options so that the right treatment program can be chosen.
Verifying Coverage and Finding the Best, Most Appropriate Treatment
As previously mentioned, verifying insurance coverage is a necessary step in the process of signing up for addiction treatment. Tricare can offer coverage for some services depending on the member’s insurance plan. Tricare recommends that members call and speak with a representative to ensure that they are fully aware of the ins and outs of their insurance plan prior to enrolling in an inpatient or outpatient treatment program, or any other type of program designed to treat substance use disorders.