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The armed forces currently uses a military insurance called Tricare to help veterans, active military members and their families obtain health benefits. There is Tricare Prime, Tricare Standard, and Tricare Extra. Tricare Standard offers insurance benefits for retired military who are 60 or older and their eligible family members. With Tricare Standard they receive services from any civilian health care provider that is payable under Tricare, but also pay yearly deductible and coinsurance, along with any out-of-pocket expenses. Tricare Extra is an option available to Tricare Standard beneficiaries which allows access to non-military health care professionals within their provider network, with a reduced coinsurance amount. Tricare Prime is offered to all active-duty members, retirees, and all qualified family members, and with this they can choose a primary care physician and get referrals to organizations that provide specialty care.
By way of TRICARE, military members can acquire substance abuse treatment services in Spencer. This encompasses individual and group therapy including family therapy, detoxification, and other recovery services. They will need pre-authorization for services and there are likely to be some limitations. Military insurance covers both outpatient and inpatient, but inpatient services for detoxification are restricted 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 insurance carriers will be permitted to stay in treatment. A 3-week inpatient stay per benefit period is typically accepted. 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 finished prior rehabilitation services such as outpatient or inpatient treatment.
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