Does Tricare cover treatment for PTSD and addiction together?

Yes, Tricare strongly supports integrated treatment for co-occurring PTSD and substance abuse. Many Tricare-accepting facilities in NY specialize in trauma-informed care and understand the connection between combat trauma and addiction. Tricare covers evidence-based therapies like CPT (Cognitive Processing Therapy) and PE (Prolonged Exposure) alongside addiction treatment. Treatment for both conditions is typically covered at the same benefit level.

What's the difference between Tricare Prime and Tricare Select for rehab?

Tricare Prime (for active duty and some retirees): $0 copays, must get referrals, smaller network but full coverage. Tricare Select (for most retirees and families): $31 copay per outpatient visit, 20% cost-share for inpatient, no referrals needed, larger network. Active duty always use Prime. For retirees, Prime is better financially if you live near a military base; Select offers more flexibility if you're in a non-military area.

Can I use Tricare for rehab if I'm a veteran but not retired military?

Tricare is for active duty, retirees (20+ years service), and their families - not all veterans. If you're a veteran who separated before retirement, Tricare is not available. However, you may qualify for VA healthcare, which also covers addiction treatment. Contact your local VA Medical Center or call 1-877-222-8387. Some facilities accept both Tricare (for military retirees) and VA benefits (for veterans), so clarify your specific eligibility.

Military Insurance1 Regions

Rehab Centers That Accept Tricare in New York

Tricare provides comprehensive addiction treatment coverage for active duty service members, military retirees, and their families. With specialized understanding of military culture and trauma, Tricare-accepting facilities in New York offer evidence-based treatment for substance abuse, often alongside PTSD and combat-related issues. Coverage includes medical detox, residential rehabilitation, and outpatient care.

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OASAS Licensed

Covers MAT

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New York State

Rehab Centers That Accept Tricare in New York

Important: "Accepts Tricare" is self-reported by facilities. Your actual coverage depends on your specific plan and whether the facility is in-network. Always confirm network status with Tricare member services before admission.

Featured 0 Centers Accepting Tricare

From 0 facilities that accept Tricare, we've highlighted 0 starting points based on clear criteria.

Selection criteria: Licensed by OASAS/SAMHSA • Offers multiple levels of care • MAT and dual diagnosis available (where applicable) • Geographic coverage across NY regions • Last verified: February 2026

Important: "Accepts Tricare" means the facility has reported accepting this insurance. Network status (in-network vs out-of-network) varies by specific plan and should be verified directly. We are a directory, not affiliated with these facilities.

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What Tricare Covers

Coverage Summary

Tricare substance abuse benefits cover medical detoxification, residential treatment (up to 60 days per year with possible extensions), partial hospitalization, intensive outpatient programs, and standard outpatient counseling. Tricare Prime (for active duty and some retirees) has no copays, while Tricare Select has modest cost-sharing.

Detox: Covered

Inpatient: Covered

Outpatient: Covered

MAT: Covered

What Affects Your Cost

Your out-of-pocket expense depends on these factors

Deductible Status

Whether you've met your annual deductible

Example range: $0 (Prime) / $350 (Select) (varies by plan)

Network Status

In-network vs out-of-network rates

Per-Session Costs

Copays or coinsurance amount

Example range: $0 (Prime) / $31 (Select) copay or 0% (Prime) / 20% (Select) coinsurance

Level of Care

Inpatient vs outpatient rates differ

Prior Authorization Required

Get your exact costs: Call 1-877-874-2273

Plan Types That Change Coverage

Your specific Tricare plan type affects network, costs, and authorization rules

Common Plan Structures

HMO:Requires in-network care, lower costs
PPO:Can use out-of-network, higher flexibility
EPO:In-network only, no referrals needed
POS:Hybrid of HMO and PPO

Plan Source Matters

Employer plan:Group benefits vary by company
Marketplace:ACA plans with metal tiers

Why this matters: Your plan type determines which facilities are "in-network" and whether you need referrals or prior authorization. Always verify your specific plan details.

Key Benefits

Specialized military & veteran care
Covers PTSD & trauma treatment
Family counseling included
No copay for active duty (Prime)
Covers residential treatment
Mental health integration

Important Limitations

Must use Tricare network
Prior authorization required
Limited to military beneficiaries
Some facilities do not accept Tricare
Network smaller than commercial

Verify Your Tricare Coverage

Don't guess - here's exactly how to check your benefits

What to Have Ready Before Calling

Member ID (from your insurance card)

Group number (if employer plan)

ZIP code (where you'll get treatment)

Level of care needed (detox, inpatient, IOP)

Co-occurring conditions (depression, anxiety, etc.)

Pen and paper to take notes

💡 Having this ready reduces call time and ensures you get accurate information

1Call Your Benefits Line

Call 1-877-874-2273 or the number on your card

1-877-874-2273

2Ask These Questions

• What is my deductible and how much have I met?
• What is my copay for outpatient therapy?
• Does my plan cover inpatient treatment?
• Do I need prior authorization?

Pro tip: Ask the representative to email you a benefits summary and provide a reference number for the call. This documentation helps when coordinating with facilities.

Helping a Loved One? What You Can Ask Under HIPAA

Important privacy rules when calling on behalf of family

What You CAN Ask (Without Authorization)

• General coverage information for the insurance plan
• Whether a specific facility is in-network
• Typical copays and deductibles for the plan
• Prior authorization requirements
• General admission process questions

What You CANNOT Get (Without Consent)

• Specific treatment history or records
• Whether someone is currently in treatment
• Details about their specific claims
• Dates of service or diagnoses
• Any personal health information

How to Talk to Insurance as a Family Member:

"Hi, I'm calling to understand what addiction treatment benefits are covered under [plan type]. I'm not asking about a specific person's claims, just what the policy covers in general." This approach gets you the information you need while respecting privacy laws.

What to Do If Your Coverage Is Denied

If Tricare denies coverage for treatment, don't give up. Here are your next steps:

1. Request Written Denial

Ask for a formal denial letter that includes:

Specific reason for denial
Policy section reference
Appeal rights and deadlines

2. File an Appeal

You have the right to appeal. Most insurers have 2-3 levels of appeals. The facility's billing team can often help you with this process.

3. Ask About Alternatives

Different level of care (e.g., IOP instead of inpatient)
In-network facility alternatives
Single-case agreement for out-of-network

4. Cite Mental Health Parity Laws

Federal law requires insurers to cover mental health and substance abuse treatment at the same level as medical/surgical care. If denied, ask if the same restriction would apply to medical treatment.

Need help with an appeal? Contact the NY State Department of Financial Services at 1-800-400-8882 or file a complaint at dfs.ny.gov

Frequently Asked Questions About Tricare

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Additional Resources

All Insurance Options Tricare Official Website →Conditions We Treat Treatment Methods

Need Help Finding the Right Treatment Center?

Rehab Centers That Accept Tricare in New York

Featured 0 Centers Accepting Tricare

No Centers Found

What Tricare Covers

Common Plan Structures

Plan Source Matters

What to Have Ready Before Calling

1Call Your Benefits Line

2Ask These Questions

Frequently Asked Questions About Tricare

Does Tricare cover treatment for PTSD and addiction together?

What's the difference between Tricare Prime and Tricare Select for rehab?

Can I use Tricare for rehab if I'm a veteran but not retired military?

Does Tricare cover medical detox?

How many days of inpatient treatment does Tricare cover?

What is my copay for outpatient therapy with Tricare?

Does Tricare cover medication-assisted treatment (MAT)?

Do I need prior authorization for rehab with Tricare?

Ready to Use Your Tricare for Treatment?

Additional Resources