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  • Writer's pictureJerzy Grzebieluch, MD

Navigating Mental Healthcare: A Comprehensive Guide to TRICARE Insurance Coverage


Mental healthcare is an integral aspect of overall well-being, and for military personnel and their families, access to quality mental health services is a crucial component of their healthcare coverage. In the United States, TRICARE serves as the primary healthcare provider for active-duty service members, retirees, and their dependents.

In this comprehensive guide, we will explore the mental healthcare services covered by TRICARE insurance, shedding light on the resources available, the coverage options, and the steps to access mental health support.

Understanding TRICARE Insurance

TRICARE is a health insurance program that provides coverage to uniformed service members, retirees, and their families. Managed by the Department of Defense (DoD), TRICARE offers different plans, each designed to meet the unique needs of its beneficiaries.

These plans include TRICARE Prime, TRICARE Select, TRICARE For Life, TRICARE Reserve Select, and TRICARE Young Adult.

Mental Healthcare Coverage under TRICARE

TRICARE recognizes the importance of mental health and offers a range of services to address the diverse needs of its beneficiaries. Mental health coverage under TRICARE includes:

1. Outpatient Mental Health Services:

  • Beneficiaries can access outpatient mental health services, including individual and group therapy sessions.

  • TRICARE covers psychotherapy for various mental health conditions, allowing individuals to receive counseling to address their specific concerns.

2. Inpatient Mental Health Services:

  • For individuals requiring more intensive care, TRICARE provides coverage for inpatient mental health services.

  • This includes coverage for psychiatric hospitalization, ensuring beneficiaries receive the necessary care in a controlled and supportive environment.

3. Psychiatric Medications:

  • TRICARE covers a range of psychiatric medications prescribed by authorized healthcare providers.

  • This coverage helps ensure that beneficiaries have access to the necessary medications to manage and treat mental health conditions.

4. Crisis Intervention:

  • TRICARE offers crisis intervention services for individuals experiencing acute mental health crises.

  • This may include coverage for emergency room visits related to mental health emergencies.

5. Telehealth Services:

  • Recognizing the importance of accessibility, TRICARE has expanded its coverage to include telehealth services for mental health.

  • Beneficiaries can access virtual counseling sessions, making mental healthcare more convenient and accessible.

6. Applied Behavior Analysis (ABA) Therapy:

  • For beneficiaries with Autism Spectrum Disorder (ASD), TRICARE covers ABA therapy, which focuses on improving specific behaviors related to the individual's condition.

7. Intensive Outpatient Programs (IOP):

  • TRICARE covers Intensive Outpatient Programs for mental health conditions, offering a structured and supportive treatment approach without the need for inpatient hospitalization.

  • Accessing Mental Health Services

Now that we've explored the various mental health services covered by TRICARE, let's delve into the steps beneficiaries can take to access these services:

1. Primary Care Manager (PCM) Referral:

  • TRICARE Prime beneficiaries typically require a referral from their PCM to access mental health services.

  • The PCM acts as the primary point of contact and helps coordinate the beneficiary's healthcare, including mental health referrals.

2. Direct Access:

  • TRICARE Select beneficiaries have the flexibility to schedule appointments directly with mental health providers without a referral.

  • This option provides more autonomy for individuals seeking mental health services.

3. Appointment Scheduling:

  • Beneficiaries can schedule mental health appointments through the TRICARE online portal or by contacting the regional contractor.

  • Timely scheduling ensures individuals receive the necessary care without undue delays.

4. Emergency Situations:

  • In emergencies, beneficiaries can seek immediate assistance without prior authorization.

  • TRICARE covers emergency mental health services, including hospitalization if required.

5. Telehealth Options:

  • Beneficiaries can explore telehealth options for mental health services, especially useful for those who may face barriers to in-person visits.

  • TRICARE's commitment to telehealth enhances accessibility for mental health support.

Challenges and Considerations

While TRICARE provides comprehensive mental health coverage, it's essential to be aware of potential challenges and considerations:

1. Network Limitations:

  • Beneficiaries should be mindful of the network status of mental health providers to maximize coverage.

  • Out-of-network services may result in higher out-of-pocket costs.

2. Authorization Requirements:

  • Some mental health services may require pre-authorization for coverage.

  • Beneficiaries should communicate with their healthcare providers to ensure necessary authorizations are in place.

3. Co-Payments and Deductibles:

  • Depending on the TRICARE plan, beneficiaries may be responsible for co-payments or deductibles for mental health services.

  • Understanding the cost-sharing structure is crucial for financial planning.

4. Continuity of Care during Transitions:

  • Active-duty service members and their families may experience transitions due to changes in duty stations.

  • Ensuring continuity of mental health care during these transitions is vital, and beneficiaries should communicate with their providers to facilitate a smooth transfer of care.


Access to quality mental healthcare is a fundamental right for military personnel and their families, and TRICARE plays a crucial role in ensuring that this need is met. By understanding the mental health services covered by TRICARE, beneficiaries can make informed decisions about their care and take proactive steps to maintain their mental well-being.

As the landscape of mental healthcare continues to evolve, TRICARE remains committed to adapting its services to meet the changing needs of its beneficiaries. By staying informed, utilizing available resources, and actively participating in their mental health journey, individuals covered by TRICARE can access the support they need to lead fulfilling and resilient lives.


Dr. Jerzy Grzebieluch is a board-certified psychiatrist providing evaluations and treatment to child, adolescent, and adult patients. He's currently accepting new patients covered by TRICARE insurance. A primary care manager referral is not required to book your appointment.


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