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The armed forces currently uses a military insurance known as Tricare to help veterans, active military members and their families receive health benefits. There is Tricare Prime, Tricare Standard, and Tricare Extra. Tricare Standard offers insurance benefits for retirees of the military who are 60 years of age or older and their qualified family members. With Tricare Standard they have access to any non-military health care provider that is payable under Tricare, but also pay yearly deductible and coinsurance, in addition to any out-of-pocket expenses. Tricare Extra is an option available for Tricare Standard beneficiaries which allows access to non-military health care providers within their provider network, with a discounted coinsurance amount. Tricare Prime is offered to all active-duty members, retirees, and all eligible family members, and with this they can pick a primary doctor and obtain referrals to organizations that offer specialty care.
Through TRICARE, military members can acquire substance abuse treatment services in Banks. This includes individual and group therapy including family therapy, detoxification, and other treatment services. They will need pre-authorization for treatment and there are likely to be some limitations. Military insurance covers both inpatient and outpatient, but stays for detox are limited to 7 days. An inpatient or partial hospitalization following detox will only be authorized if it is a Tricare approved facility, and there are time restrictions as to how long military insurance carriers will be allowed to remain in rehab. A 3-week inpatient stay per benefit period is typically allowed. Additionally, there are 60 group therapy sessions and 15 family therapy sessions covered per benefit period, which occur on an outpatient basis. Family therapy is covered one after the active military member has completed other treatment services such as outpatient or inpatient treatment.
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