Get mental health care covered by TRICARE. Find in-network and out-of-network TRICARE therapists. Compare platforms and pricing.
Yes, TRICARE covers mental health therapy and psychiatric care. Coverage includes:
Most TRICARE plans have a copay of $15-$50 per therapy session. Some plans cover therapy after meeting your deductible. Check your specific plan documents for exact amounts.
TRICARE has an extensive network of in-network therapists and psychiatrists. Using in-network providers typically saves money and reduces your out-of-pocket costs.
Check tricare.mil or call TRICARE for list of in-network behavioral health providers in your area.
| Platform | TRICARE Accepted | Price Range | Get Started |
|---|---|---|---|
| BetterHelp | ✗ | $60-$100/week | Visit |
| Talkspace | ✗ | $65-$99/week | Visit |
| Grow Therapy | ✗ | $30-$100/week (varies by insurance) | Visit |
| Alma | ✗ | $0-$300/session (sliding scale) | Visit |
| Cerebral | ✗ | $40-$80/week | Visit |
Check with each platform for current TRICARE acceptance. Coverage may vary by location and plan.
Use TRICARE's provider directory or call their customer service to find mental health professionals (therapists, psychologists, psychiatrists) in your area who accept TRICARE.
Contact the provider directly to schedule your first appointment. Many providers can see you within 1-2 weeks.
At your first appointment, bring your TRICARE member ID card and any required paperwork. You'll pay your copay at the visit.
Work with your therapist on goals and treatment. Most insurance plans don't have session limits - treatment continues as long as medically necessary.
Yes, TRICARE covers comprehensive mental health services including therapy, psychiatry, and inpatient care.
Active duty and their families typically pay $0 copay. Retirees pay small copays ($15-$25) depending on TRICARE plan.
Contact TRICARE or use their provider finder. You can see civilian therapists, military providers, or both.
VA benefits and TRICARE are separate. You may be eligible for both. VA therapy is typically free for veterans.
TRICARE doesn't have specific visit limits. Your provider determines treatment duration based on medical necessity.
Use our matching quiz to find therapists in your area who accept TRICARE insurance.
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