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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 provides benefits for retired military who are 60 years of age or older and their qualified family members. With Tricare Standard they go to any civilian 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 to Tricare Standard beneficiaries which grants access to non-military health care providers within their provider network, with a discounted coinsurance amount. Tricare Prime is available to all active-duty members, retirees, and all qualified family members, and with this they can pick a primary care physician and obtain referrals to health care services that offer specialty care.
By way of TRICARE, members of the military can acquire substance abuse treatment services in Carmel. This includes detoxification, individual and group therapy including family therapy, and other substance abuse recovery services. They will require pre-authorization for services and there will most likely be some limitations. Military insurance pays for both inpatient and outpatient, but inpatient services for detoxification are limited to no more than 7 days. Partial hospitalization or impatient treatment following detoxification will only be authorized if it is a Tricare approved treatment center, and there are time restrictions as to how long military members will be allowed to stay in treatment. A 3-week inpatient stay per benefit period is commonly accepted. In additional to this, 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 finished prior treatment services such as inpatient or outpatient treatment.
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