What do mental health services cost under TRICARE?
Quick Answer
Mental health costs are the same as other healthcare: active duty $0, Prime has low copays, Select has cost shares, and care counts toward the catastrophic cap.
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Key Takeaways
- Same costs as other healthcare
- Active duty is $0
- Counts toward catastrophic cap
- Free alternatives available
Detailed Answer
Mental health costs follow standard TRICARE cost-sharing.
Active Duty
- All mental health care: $0
- No copays
- No deductibles
TRICARE Prime (Families/Retirees)
- Outpatient therapy: $20-$30 copay
- Group therapy: $15-$20
- Inpatient: Per-day copay
- No deductible
TRICARE Select
- Annual deductible applies
- Network: 15-20% cost share
- Non-network: 20-25% cost share
- Inpatient cost shares
What Counts Toward Cap
- All mental health cost shares
- Psychiatric medication copays
- Inpatient costs
- Outpatient costs
Free Options
- Military OneSource: 12 sessions
- Chaplain counseling
- Vet Centers (combat vets)
- Peer support programs
Related TRICARE Terms
Related Questions
How much does TRICARE cost?
Costs vary by plan and beneficiary status. Active duty members have no costs. Retirees and their families pay enrollment fees and cost-shares.
What mental health services does TRICARE cover?
TRICARE covers outpatient therapy, psychiatry, inpatient treatment, intensive outpatient programs, substance abuse treatment, and crisis intervention.
What do most military families add to their TRICARE coverage?
Supplemental health insurance is the most common addition — it covers dental, vision, and out-of-pocket costs that TRICARE leaves uncovered. Life insurance and a legal will are also highly recommended.
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