Using TRICARE for Addiction Treatment at AdCare

eTRICARE coverage is available to active-duty military, Veterans, and their families. TRICARE may be used to cover addiction treatment at AdCare’s inpatient rehab in Rhode Island, which offers specialized programming for Veterans and first responders.

Does TRICARE Cover Rehab for Drug & Alcohol Addiction?

Yes, most TRICARE plans cover rehab for drug and alcohol addiction. In 2017, TRICARE expanded its list of covered mental health services, which includes treatment for substance use disorders.

The amount of coverage provided for these services may vary depending on the specific insurance plan, type of treatment needed, facility location, and other factors.

If you have questions about your coverage, you can contact TRICARE via phone or through their website.

TRICARE benefits may cover one or more of the following types of addiction treatment available at AdCare:

Addiction is a chronic and complex disease that not only affects the person struggling with substance misuse, but also the people around them. If you are concerned about a loved one’s use of drugs or alcohol, TRICARE may also cover certain services for family members.

Learn more about helping a loved one with addiction.

Is AdCare a TRICARE-Approved Rehab?

Yes. However, only AdCare Rhode Island is in-network with TRICARE. Our area is managed by the TRICARE East Region, which is overseen by Humana Military.

If you’re a TRICARE beneficiary assigned to the Humana Military TRICARE East Region, insurance may cover some or all of the treatment costs at our facility. Coverage fluctuates based on the details of each individual plan.

For more information about using health insurance for drug and alcohol rehab at AdCare, call one of our admissions navigators today.

What Is TRICARE Insurance?

TRICARE is a comprehensive healthcare program for active-duty service members, Veterans, and their families. This includes:

  • National Guard and Reserve members and their families.
  • Survivors.
  • Retirees and their families.
  • Certain former spouses.

TRICARE benefits are applicable at military hospitals and clinics, as well as select civilian healthcare facilities, providers, pharmacies, and more.

Different Types of TRICARE Plans

TRICARE offers several different types of plans to meet the needs of its many members. Below is a brief overview of available plans. For more specific details, visit  TRICARE’s website.


Active-duty service members and their families—as well as retired and reserve members—are eligible for TRICARE Prime, as long as they are not eligible for Medicare based on their age.

Participants have a primary care manager (PCM) who serves as their main point of contact. Active-duty members are required to enroll and pay nothing out-of-pocket for the service.

Other Prime plan options include:

  • TRICARE Prime Remote.
  • TRICARE Prime Overseas.
  • Prime Remote Overseas.


What used to be TRICARE Standard and TRICARE Extra became TRICARE Select in 2018. Participants manage this plan on their own (making it a preferred provider network plan or PPO), meaning there is no primary care manager.

There is also a TRICARE Select Overseas option.

TRICARE for Life

Eligible participants do not need to enroll in TRICARE for Life. TRICARE-eligible beneficiaries with Medicare Part A and B are automatically covered. However, participants must pay for the Medicare Part B premium, which is based on income.

TRICARE Reserve Select

TRICARE Reserve Select is available worldwide for Selected Reserve members and their families.

If you are a member of the Selected Reserve, you may be eligible for this premium-based plan. To be eligible, you must NOT be:

  • On active-duty orders.
  • Covered under the Transitional Assistance Management Program.
  • Eligible for the Federal Employees Health Benefits program.

TRICARE Retired Reserve

Like TRICARE Reserve Select, Retired Reserve is a premium-based plan available to Select Reserve members worldwide. Participants must be:

  • Under 60 years old.
  • A retired Reserve member of a Reserve Component qualified for non-regular retirement.
  • Not enrolled in the Federal Employees Health Benefits program.

This plan is also open to family members and survivors of Reserve members, as well.

TRICARE Young Adult

This plan is designed specifically for adult children. TRICARE Young Adult can kick in at age 21 (or 23 if the child is attending college), after their previous TRICARE plan ends. The young adult needs to:

  • Have an eligible sponsor.
  • Be unmarried.
  • Be between 21 and 26 years old.
  • Ineligible for an employee-sponsored health plan.
  • Ineligible for a different type of TRICARE plan.

U.S. Family Health Plan

This is an additional TRICARE Prime option offered in select areas of the United States. Participants receive care at a designated healthcare system outside of the local military hospitals and clinics.

In Massachusetts and Rhode Island, care is provided through Brighton Marine Health Center.

Like other Prime options, participants also choose a primary care manager who oversees their care.

How to Cover Rehab Costs Not Covered by TRICARE

Health insurance is one of the main and most commonly used ways to make drug and alcohol addiction treatment more affordable. But there are other ways to pay for rehab.

At AdCare, we do everything we can to make addiction treatment as affordable and accessible as possible.

  • Payment Plans: Based on your situation, financing or other flexible payment options may be available.
  • Major Credit and Debit Cards: We accept Visa, MasterCard, American Express, and Discover to help you pay for your care.

To learn more about our different payment options or start the admissions process, call us today at .

Verify Your Benefits Online

You can also instantly check whether we accept your TRICARE insurance by filling out the quick and confidential form below. Once we receive it, we will email you back right away with more details and important information.

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