TRICARE Insurance Coverage for Couples Therapy and Treatment in Tennessee

Learning About the Volunteer State and its Local Tourist Attractions

After the War of 1812 when many people in Tennessee had volunteered for military service, the state was affectionately dubbed the “Volunteer State,” a nickname that has stuck. Tennessee serves as a centerpiece of history and natural beauty. Nashville is the state capital and at the heart of Middle Tennessee. The city is renowned for the pivotal role it played in the history of country music. 

Visitors and residents can experience attractions like the Grand Ole Opry and the Country Music Hall of Fame and Museum. Ryman Auditorium has hosted an array of concerts from iconic country music stars like Dolly Parton, Willie Nelson, and Johnny Cash. When you’re looking for something other than music, try exploring Bell Witch Cave, which is steeped in folklore and mystery and offers a glimpse into the state’s haunted past. 

Andrew Jackson’s Hermitage and the Bellmeade Historic Site allow historians to step back in time and explore Tennessee’s rich heritage. If it’s outdoor activities you’re looking for, the state offers several parks including Old Stone Fort, Bicentennial Capital Mall, and Montgomery Bell.

Does TRICARE Health Insurance Cover Residential Substance Use and Mental Health Treatment in Tennessee?

Yes, TRICARE East Health Insurance does offer coverage levels for residential treatment of substance abuse and mental health conditions and for individuals who are experiencing dual diagnosis. However, the extent of your coverage relies heavily on the policy benefits and limits. TRICARE health coverage options include inpatient rehab and outpatient services such as partial hospitalization programs and intensive outpatient programs (IOP).

TRICARE limits residential treatment to individuals whose addiction is severe and who have a medical requirement for 24/7 supervision. To better understand your policy and your options for treatment, we encourage you to call Freeman Drug and Alcohol Addiction Center to speak with one of our admission counselors. They can answer your questions about residential treatment at Freeman Recovery Center, verify your insurance coverage, and identify out-of-pocket expenses, including premiums, coinsurance, copayments, and deductibles.

Stats on Substance Use and Addictions for Couples Treatment

Substance abuse affects the user and the family. In one study, researchers found those who had an alcohol substance use disorder had a 48.3% risk of divorce. This is far higher than families without an alcohol use disorder. Unfortunately, divorce has a significant financial impact on families, can bankrupt one partner, and significantly damage the emotional health of the children. 

According to Business Insider, the average divorce costs $15,000, but the price can go higher. Across multiple studies and a diverse population, data show that when couples therapy is included in addiction rehab, there are consistently better outcomes than with individual counseling alone. Couples also report higher levels of satisfaction within the relationship, including a lower rate of intimate partner violence. Data has shown that family members play a crucial role in the origin and maintenance of an addiction, so couples therapy can help to reduce that risk.

Some of TRICARE Insurance Products, Brands and Services 

TRICARE East Health Insurance offers an array of products, brands, and services that cover medical care, dental care, vision, prescription drug coverage, and reproductive health. These health coverage options ensure in-network providers, and TRICARE insurance also covers mental health treatment, substance use disorders, and special needs.

• Mental Health: TRICARE sees mental health as an important part of overall health and ensures that beneficiaries have access to care for treating anxiety, depression, seasonal affective disorder, post-traumatic stress disorder (PTSD), and other mental health illnesses.
• Substance Use Disorders: TRICARE offers a comprehensive level of care for substance use disorders, including inpatient services, and outpatient programs, such as partial hospitalization programs and intensive outpatient programs (IOP). TRICARE also offers coverage levels for medication-assisted treatment (MAT), medical detoxification, office-based opioid treatment, and residential substance use disorder treatment. TRICARE does not cover therapeutic interventions that are not backed by scientific evidence, nor do they cover aversion therapy.
• Special Needs: TRICARE offers coverage levels for individuals with special needs, including those who require durable medical equipment, home health care, hospice, applied behavioral analysis (ABA), and mental health care. They offer several special programs beyond the basic benefits for beneficiaries, although long-term care is not covered.

Does TRICARE Health Insurance Network Include Freeman Recovery Center?

TRICARE Health Insurance is a complex organization. While TRICARE does have a member services phone number where you can check your benefits and limits, it can sometimes be difficult to wade through the insurance jargon. Freeman Substance Abuse Recovery Center can help identify your benefits and limits, determine if we are out-of-network or in-network providers on your insurance policy, and help you through the medical claims process. 

To receive your benefits through TRICARE, you must follow the rules for documentation and claim submission. This can include prior authorization for treatment before it can begin. The admission counselors at Freeman Alcohol and Drug Addiction Center can help you identify the documentation needed for your inpatient rehab or outpatient services.

Does TRICARE Insurance Cover Couples Treatment in Tennessee?

TRICARE insurance offers coverage for couples therapy and treatment in Tennessee when one or both parties are struggling with a mental health condition, such as addiction. Benefits will vary. You can call Freeman Alcohol and Drug Recovery Center to verify your insurance details, determine the limits on your policy, estimate out-of-pocket expenses, and request an initial assessment.

How Much Does Couples Therapy and Treatment Cost Without TRICARE Health Insurance Coverage?

The cost of couples therapy and treatment without TRICARE Health Insurance coverage depends on factors such as the charges from the treatment center, which are influenced by the length of your treatment, treatment intensity, the geographical location of the treatment center, and whether the treatment is residential, inpatient, or outpatient.

Without TRICARE Health Insurance, you may qualify for other government-sponsored programs such as Medicaid or Medicare. Our financial counselors can guide you in finding potential financial assistance. Call (615) 645-3677.

How To Check TRICARE Health Insurance Coverage Levels for Couples Therapy and Treatment?

TRICARE Health Insurance has a member services phone number where you can call to ask questions about your TRICARE benefits and limitations. Member Services can let you know how much is left on your deductible, what your premiums are, and if you have a copayment or coinsurance responsibility. They can also provide information on out-of-network coverage and prior authorization.

An easier phone call is to Freeman Alcohol and Drug Addiction Center or contact us online. Our admission counselors can get you the same information, answer your questions about treatment options within Freeman Recovery Center, and schedule an initial assessment at your request. To help you with this important decision, the admission counselor can schedule a tour of the facility and connect you with our financial associates who can advise you about available financial assistance in the community.

Statistics on Couples Therapy & Treatment

• Substance abuse affects the user and the family. One study found those with an alcohol use disorder had a 48.3% risk of divorce, far higher than those without an alcohol use disorder.
• Divorce can bankrupt one partner and significantly damage the emotional health of the children.
• In 2019, Business Insider reported the average financial cost of divorce is $15,000, but it can go much higher, as the cost is affected by the people hired, the length of time the divorce takes, and whether you can settle out of court.
• Multiple studies with diverse populations have shown that when couples engage in therapy together, there are consistently better reductions in substance use than when people go to individual counseling.
• Couples who receive behavioral couples therapy also report higher levels of satisfaction with their relationship and improvements in other areas of their lives, including children’s psychosocial adjustment and intimate partner violence.
• Researchers have found that family members play a crucial role in the origin and maintenance of addiction.
• Relapse in couples therapy can take the form of a return to substance use or a recurrence of relationship difficulty.
• When a significant other is involved in treatment, there is an effect that rises beyond an individually based treatment program for substance abuse.