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Does TRICARE cover mental health services?
Quick Answer
Yes, TRICARE covers mental health services including therapy, counseling, and psychiatric care with the same cost-shares as medical services.
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Detailed Answer
TRICARE provides comprehensive mental health coverage:
Covered Services
- Individual and group therapy
- Family counseling
- Psychiatric evaluations
- Medication management
- Substance abuse treatment
- Inpatient psychiatric care
How to Access:
TRICARE Prime
- Contact your PCM for referral
- Mental health referrals cover multiple sessions
TRICARE Select
- No referral needed
- Self-refer to any authorized provider
Cost-Sharing
- Prime: $0-$34 per visit
- Select: Deductible + 15-25% cost-share
Free Resources:
Military OneSource
- 12 free counseling sessions per issue
- Confidential, no impact on TRICARE
- Available to all military families
Crisis Resources
- National Suicide Prevention: 988
- Veterans Crisis Line: 988 (Press 1)
- TRICARE Nurse Advice Line: 1-800-TRICARE
Mental health care is confidential and protected. Don't hesitate to seek support.
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What do most military families add to their TRICARE coverage?
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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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