Tricare Insurance For Substance Abuse Treatment Coverage

First and foremost, we should clarify that we accept all major insurance providers, including:

• Humana Insurance
• Blue Cross Blue Shield
• TRICARE Insurance
• PEIA Insurance

However, not all providers and plans will cover the full expenses of your treatment. Factors like the following will affect your final coverage:

• Prior addiction history
• Treatment duration and needs
• Exact services received
• Other state-side factors

As such, it would be irresponsible to simply claim your programs will be covered in full at all times. Instead, we must refer you to our representatives, who will explore your plan and suggest alternatives as needed. Please contact our teams at (855) 942-3797 for a full review of your financial options.

TRICARE is a rather unique type of insurance provider. In brief, it primarily caters to active military personnel, military retirees, and their dependents, making it a common plan to cover rehab for veterans. TRICARE is part of the Defense Health Agency (DHA), a component of the Military Health System.

In turn, it may differ drastically from other insurance plans in terms of eligibility and more. To cover these distinguishing factors, as a center for drug rehab that accepts TRICARE, here we may thoroughly cover the fundamentals of TRICARE.

The History of TRICARE

The foundations for TRICARE were laid with the Civilian Health and Medical Program of the United States (CHAMPUS) in the mid-1960s. Trying times, with the Vietnam War underway, had the Department of Defense (DOD) take measures to ensure proper healthcare for the military. The Military Officers Association of America (MOAA) relays the events as follows:

“The population of military retirees and dependents ballooned, straining a health system that previously could accommodate most beneficiaries at military facilities or sent family members to private facilities for inpatient care.

To ensure that the booming population of retirees and family members assigned to locations not near a base had access to health services, Congress created CHAMPUS, a fee-for-service insurance plan requiring cost shares but without the premiums or enrollment fees of traditional insurance.”

In the years that followed, TRICARE saw immense popularity, which strained the DOD’s budget. Beneficiaries skyrocketed as well, with MOAA quantifying the increase at 162% during the decade between 1981 and 1990 alone. Simultaneously, nationwide healthcare reforms in the ‘80s and the emergence of health maintenance organizations (HMOs) cemented TRICARE’s future form.

TRICARE was thus formally born in the 1990s, as Congress saw a solution for CHAMPUS in the HMO model. It began with six healthcare contractors who would manage beneficiaries in 12 regions, overseen by the TRICARE Management Activity body. In this form, it included 3 programs:

• TRICARE Prime, which most closely followed the HMO model
• TRICARE Extra, which incentivized beneficiaries to choose civilian providers within its network
• TRICARE Standard, which resembled the initial CHAMPUS form and allowed non-network provider visits at extra cost

Today, TRICARE offers 11 distinct plans. Any drug rehab that accepts TRICARE will, unless otherwise noted, accept all such plans and use them to finance your treatment in part or in full.

Eligibility

In its current form, eligibility for TRICARE is reserved for the following:

• Uniformed Service members and their families
• National Guard/Reserve members and their families,
• Survivors,
• Former spouses,
• Medal of Honor recipients and their families, and
• Others registered in the Defense Enrollment Eligibility Reporting System (DEERS).

National Guard/Reserve members can include members of the:

• Army National Guard
• Army Reserve
• Navy Reserve
• Marine Corps Reserve
• Air National Guard
• Air Force Reserve
• S. Coast Guard Reserve

In addition, TRICARE specifies two types of beneficiaries:

• Sponsors, who are active duty, retired, and Guard/Reserve members, and
• Family members who are spouses and children who are registered in DEERS.

These are all notable because benefits and plans do vary depending on one’s beneficiary category and other factors.

For complete information on eligibility, we strongly encourage you to visit TRICARE’s website linked above. For additional information on their programs and their respective history, you may also visit the Health Insurance Glossary page that the Centers for Disease Control and Prevention (CDC) offer.

Being a center for drug rehab that accepts TRICARE may not suffice to meet your needs – beyond the financial ones. As such, we at Harmony Ridge offer an array of recovery programs to suit each and every rehabilitation.

Our 4 primary programs after medical detox, in order, are the following.

Residential Program

A type of Inpatient program, our residential program offers safe and welcoming designated facilities for our patients. It typically caters to the cases which require the most intensive care, as it is the most appropriate program following medication-assisted detox (MAT).

It offers 24-hour medical supervision, a keen focus on clinical services and psychiatric care where needed, and strict case management as it sets the foundations for aftercare. Driven by our qualified, experienced medical staff and expert therapists, Harmony Ridge is the residential treatment center West Virginia trusts.

Intensive Outpatient Program (IOP)

Following Inpatient programs or PHPs, or also as standalone steps, come Outpatient programs. Such programs allow patients to reside at home and seek therapy in their rehab centers for specific hours each week.

On this front, we offer a variant the industry calls the Intensive Outpatient Program (IOP). Unlike its common variant, our IOP requires more hours of therapy to help address the underlying causes of addiction. It employs an array of therapeutic techniques, continues to build relapse prevention tools for aftercare, and allows the individual to vocalize their challenges to their peers in group therapy settings. If you need an IOP to best meet your case’s needs, look no further than the intensive outpatient program West Virginia trusts at Harmony Ridge.

All that said, we understand such terms are similar to health insurance terms, rare in common language, and perhaps confusing. With this in mind, here we may consolidate the key differences between Inpatient and Outpatient programs. In doing so, we’ll hopefully help you weigh your options and find the one that best suits you.

In brief, the two differ in 3 key regards, which are as follows.

#1 Residence

Inpatient programs require that you live in designated facilities for their duration so that you’re removed from harmful distractions and under close medical supervision. In contrast, Outpatient programs cater to comparatively milder cases, so they allow you to stay at home for their duration. This has the benefit of schedule lenience, which may allow you to see to other duties you may have.

#2 Intensity

As regards the intensity of care, Inpatient programs are much more intense than Outpatient programs. They both offer various types of therapy, but Inpatient programs will require more hours of therapy and more strict supervision. In contrast, Outpatient programs tend to be much more lenient, especially if they’re not IOPs.

#3 Therapy focus

Finally, each of the two will primarily focus on different types of therapy. Inpatient programs will focus more heavily on withdrawal symptom management, pharmacotherapy, individual therapy, and psychiatric care if needed. Outpatient programs, on the other hand, will focus more on cognitive and behavioral therapy alongside group and family therapy.

Still, regardless of the program that best suits you, here we must reassure you that indeed, all addictions are curable. If you’re looking for drug rehab that accepts TRICARE, chances are you fear that your addiction may not be. However, our experience has shown that, while each addiction does differ, all addictions can be treated with proper care – and our catalog reflects that experience.

At Harmony Ridge, we treat the following addiction types.

Alcohol

An increasingly common type of addiction, alcohol misuse can quickly escalate into dependency and endanger the individual. From 12-step programs to more options, we offer extensive services for alcohol rehab WV prefers.

Cocaine

An illicit substance and a powerful stimulant, cocaine is both highly addictive and very destructive. Whether it’s for you or your loved ones, our cocaine addiction rehab center comes fully equipped to uproot any addiction to cocaine.

Fentanyl

Fentanyl is a synthetic opioid with notable uses as a painkiller. However, prolonged use and misuse for non-medical purposes can quickly develop into an addiction – for which we offer extensive fentanyl detox treatment services.

Heroin

An infamous illicit drug, heroin is a highly addictive substance with notable overdose rates. It may not fuel as many addictions as it used to, as our heroin rehab centers will attest to, but heroin remains a very dangerous substance.

Meth

Another stimulant, better known as “meth”, this drug medically goes by “Methamphetamine.” It is among the most commonly used illicit drugs today, as well as one of the most highly addictive ones. If you’re looking for a meth rehab center West Virginia has to offer, look no further than Harmony Ridge.

Ambien

Approved by the FDA to treat insomnia and similar sleeping disorders, Ambien remains highly addictive over prolonged use or if misused. For this reason, we also offer extensive Ambien rehab services.

Barbiturates

A type of depressants, barbiturates can also be used medically to treat sleeping disorders. Over the years, they have consistently proved to be quite addictive as well, making barbiturates rehab services a need we are proud to cater to.

Benzodiazepine

Better known as “benzo”, Benzodiazepine is another type of depressants. Much like the other medical drugs on this list, benzos can commonly fuel addiction. If you or your loved ones need benzo rehab, we at Harmony Ridge offer such services as well.

Stimulants

A drug type in itself, stimulants come in both illicit varieties, such as cocaine, and medical ones, like Adderall, Ritalin, Concerta, and others. Their medical use as a treatment for ADD and similar disorders aside, stimulants also see misuse and can be highly addictive. To address this, our stimulants addiction rehab center comes fully equipped for this type of addiction as well.

Opiates

Opiates are a subcategory of opioids, and today they spearhead the nationwide opioid epidemic. Our opiate rehab center takes this health crisis seriously and comes prepared to treat this type of addiction with utmost care.

Marijuana

Legal in some states due to its many medical uses, marijuana still sees misuse as an illicit recreational drug. While it does not typically endanger the individual as much as other drugs, marijuana addiction remains a task our marijuana rehab center is prepared to handle.

With all of the above in mind, our offerings and perks over our peers should now be clear. We are not just a center for drug rehab that accepts TRICARE, but we also come equipped to treat an array of addictions through a variety of programs. Still, if you’ve made up your mind, you may still not know where to begin.

Thankfully, our admission process is as simple as it is discreet and considerate. You will only need to get in contact with our admissions agents, either by filling out our admission form or contacting us directly at (855) 942-3797.

Once you do, we will go over your unique case and make appropriate recommendations for programs and therapies. We will review your insurance plan, calculate final costs, and explore additional financing options if your plan does not cover the entirety of your program. Finally, we will answer any additional questions you might have so that you have the peace of mind you deserve before embarking on your journey to recovery.

Does Tricare Insurance Cover Mental Health Treatment?

Tricare insurance covers mental health treatment. When treating addiction, it’s crucial to take into account the underlying roots of addiction. It is much more than a physical disease. Addiction affects an individual’s emotional and mental state as well.

Fortunately, with Tricare insurance, you’ll be able to reap the benefits of mental health treatment at our recovery center. We offer many evidence-based forms of therapy, such as cognitive behavioral therapy and group therapy.

Therapy will help you develop a toolkit of skills that will help you cope with stress and cravings. Each recovering individual will receive a unique combination of services that best suits their recovery needs.

What Are Co-Occurring Disorders?

Co-occurring disorders are when an individual has an addiction as well as a mental illness. These are treated at our recovery center. If you require treatment for a mental health disorder and addiction, then you’ll require dual diagnosis treatment.

Dual diagnosis treatment targets co-occurring disorders through different methods. We treat disorders such as:

• Anxiety
• Depression
• Eating disorders
• Bipolar disorder
• Post-traumatic stress disorder

How Do We Determine Your Benefits?

When we go through Tricare insurance, we’ll be able to let you know exactly what your plan offers. Our goal is to provide you with the highest quality of treatment at the most effective cost. Our dedicated addiction treatment staff will constant your Tricare insurance provider and go through your plan.

We go through a simple two-step process. The steps are as follows:

Step 1: Confirming Your Tricare Insurance Benefits

We’ll start with a complimentary and thorough evaluation of your insurance benefits. This takes a lot of stress off of your hands! We’ll reach out to your provider and determine what kind of benefits are covered under your specific plan.

Step 2: Verifying Addiction And Dual-Diagnosis Benefits Of Your Tricare Insurance Plan

After the in-depth evaluation, we’ll let you know:

• How much of the expenses your insurance company will cover
• What level of care you’ll be covered for
• The length of time you’ll be covered for inpatient care (30, 60, 90 days, etc.)
• How much you can expect to pay out-of-pocket for a treatment program

How Does Tricare Insurance Work?

You have an assigned primary care manager (PCM) who will help guide you through coverage. Your primary care manager will help:

• Refer you to specialists for the care he or she can’t provide
• Work with your regional contractor for referrals/authorization
• Accept your copayment
• Files claims for you

What Is Tricare Prime Plan?

Tricare Prime is a managed care option available in “Prime Service Areas,” such as the East Coast. This plan ensures medical readiness for active duty by adding to the capability and capacity of military hospitals and clinics. Prime Service Areas were also built around the Base Realignment and Closure sites.

Additional Prime Options for Active Duty Service Members And Their Families Include:

• Tricare Prime Remote
• Tricare Prime Overseas
• Tricare Prime Remote Overseas

Who Can Enroll In Tricare Insurance Prime?

• Active duty service members and their families
• Retired service members and their families*
• Activated
• Called or ordered to active duty service for more than 30 days in a row
• Guard/Reserve members and their families
• Non-activated Guard/Reserve members and their families who qualify for care under the Transitional Assistance Management Program
• Retired Guard/Reserve members at age 60 and their families*
• Survivors
• Medal of Honor recipients and their families
• Qualified former spouses

*When retired service members and their families become eligible for Medicare based on age, they aren’t able to participate in Tricare Prime.

How Do I Enroll In Tricare Prime?

1. Online via the Beneficiary Web Enrollment website
2. Call your regional contractor
   1. East Region: Under the new regional contracts, the East Region is a merger of the North and South Regions and includes Alabama, Arkansas, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa (Rock Island area), Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri (St. Louis area), New Hampshire, New Jersey, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas (excluding El Paso area), Vermont, Virginia, West Virginia, and Wisconsin. Tel: (800) 444-5445
   2. West Region: Alaska, Arizona, California, Colorado, Hawaii, Idaho, Iowa (excludes Rock Island arsenal area), Kansas, Minnesota, Missouri (except St. Louis area), Montana, Nebraska, Nevada, New Mexico, North Dakota, Oregon, South Dakota, Texas (southwestern corner including El Paso), Utah, Washington, and Wyoming. Tel: (844) 866-9378
3. Mail the enrollment form to your regional contractor (mailing addresses on the form):
   1. East Region Form
   2. West Region Form

What Do You Pay?

Active duty service members pay nothing out-of-pocket. Active duty family members also pay nothing out-of-pocket unless using the point-of-service option.

All other members pay annual enrollment fees and network copayments.