TRICARE Insurance Coverage for Cocaine Detox and Rehab Near Me

Does TRICARE Insurance Cover Cocaine Rehab?

Many people think of cocaine use in the context of the celebrities of the 1980s, but in reality, cocaine use affects millions of Americans today. Studies show that in 2020, 5.2 million Americans over age 12 reported using cocaine in the past year.^{1, How many people use cocaine?}

Unfortunately, cocaine use is very dangerous — in 2020, over 19,000 people died from cocaine overdose.^{1, How many people die…}

If you’re looking to break free from cocaine use before something serious happens, you’re making a great decision. However, you’ll need help to make a permanent change. If you’re a military member, you might wonder if your TRICARE health insurance coverage can help you afford treatment. The good news is it can.

This guide will help you understand how to use TRICARE healthcare plans for addiction treatment so that you can live the happier, healthier life you deserve.

What Does TRICARE Insurance Cover for Cocaine Treatment?

Does TRICARE cover rehab? Yes, it can help you pay for some or all of the costs of medically necessary treatment. Your insurance will also focus on paying for proven treatments rather than experimental approaches.

At the moment, there are no medications approved by the FDA for the treatment of cocaine use, although some are being tested.^{2, Pharmacological Approaches} However, behavioral treatment for cocaine addiction has been shown to be helpful in both inpatient and outpatient settings.^{2, Behavioral interventions} These include motivational incentives, cognitive-behavioral therapy, and therapeutic communities (TCs).^{2, Behavioral interventions}

Determining the treatment plan that’s best for you will be done by working closely with your doctor. The doctor will consider how long you’ve been using cocaine if you use any other substances, and what your day-to-day environment is like.

Types of Cocaine Addiction Treatment covered by Tricare Insurance

Some of the treatment options covered by TRICARE include:^{3, bulleted list}

• Detoxification. Many treatment programs begin with detox so that your body can get rid of drugs and you can begin to live without the use of substances. Detoxification isn’t a treatment program, but it prepares you to enter a treatment program/
• Inpatient services. An inpatient treatment program has you live full-time at the facility while you receive treatment. This has the advantage of removing you from your daily environment so you can learn new habits and start fresh.
• Outpatient treatment. After you graduate from inpatient treatment, you may transition to an outpatient program. This can help you maintain your sobriety and practice your new habits with plenty of support as you transition back into daily life.
• Mental health therapeutic services. It’s common for mental health to be a concern alongside substance use. In fact, 50% of those who use substances also have a co-occurring mental health diagnosis.^{4, second paragraph} TRICARE addiction treatment coverage includes mental health services for co-occurring disorders as well as the behavioral therapies that are common in inpatient and outpatient treatment.

The specific amount of coverage available as part of your TRICARE rehab coverage will depend on your specific plan. TRICARE offers 11 different plans, so be sure to verify your insurance coverage before you commit to a treatment program.^{5, Choose a plan}

What Does TRICARE Insurance Not Cover for Cocaine Treatment?

On their website, TRICARE specifically states that they do not cover aversion treatment or unproven treatments for substance use disorder.^{3, TRICARE doesn’t cover}

Some of the types of treatment that TRICARE may consider unproven include holistic care when not combined with proven therapy, recreation-only programs, unproven private treatment services, non-medical amenities, or services like food delivery that don’t treat substance use, and alternative therapies.

You can work with your doctor to ensure that you find a program that will make a real difference in your struggle with cocaine use. If you have questions about what your TRICARE insurance coverage will pay for, be sure to contact them using the phone number on the back of your insurance card.

What is Tricare Insurance?

TRICARE is the health insurance program that covers uniformed service members, as well as retirees and their families, wherever they are located around the world.^{6, About us} This plan includes health plans, special programs, prescription medication coverage, and dental plans.^{6, About us} Not all TRICARE plans have all the benefits—there are 11 different plans, so you’ll need to understand the specifics of your particular plan before you move forward with medical treatment.^{5, Choose a plan}

TRICARE meets the requirements of the Affordable Care Act (ACA), and the program is administered by the Defense Health Agency.^{6, About us} There are 9.6 million beneficiaries covered by TRICARE plans, and the care network includes 49 military hospitals, 465 military medical clinics, and 192 dental providers.^{7, infographic}

How Much Does Cocaine Rehab Cost?

The cost of cocaine rehab will vary widely depending on the program and services that are offered. For example, inpatient treatment programs are generally more expensive than outpatient because you live at the facility full-time, and the price takes into account the prices paid for staff, facilities, and resources.^{8, Current Study, 6th paragraph} That means that longer programs will cost more than shorter ones, and those with more intense services or nice amenities may also cost more.

However, don’t let this stop you from getting the care you need — what’s important is that you get the treatment that allows you to break free from cocaine use once and for all. In the end, this will save you time, money, heartache, and more.

Cocaine Rehab vs. the Cost of Cocaine Addiction

Is substance use treatment worth the cost? All evidence points to a resounding yes. On a societal level, substance use treatment saves far more in health and social costs than the treatment costs.^{9, first paragraph} It’s also less expensive than alternatives—for example, a treatment program costs less than a year of incarceration.^{9, first paragraph}

It’s also worthwhile on an individual level. Using cocaine can lead to long as long-term health problems such as:¹⁰

• Having trouble reacting to natural positive reinforcers.
• Negative moods and depression when not using.
• Tolerance so that more is needed to get the same effect.
• Anxiety.
• Convulsions.
• Irritability and restlessness.
• Panic attacks.
• Paranoia.
• Psychosis.
• Risk of death from overdose.

On top of the health concerns, you may lose your job or be unable to work due to cocaine use, which costs you income. You can also face costly legal problems. Clearly, attending treatment to break free from cocaine use makes you a happier, healthier person and allows you to avoid these negative consequences. It’s well worth it.

What Length of Cocaine Rehab Does Tricare Insurance Cover?

When you use your TRICARE Insurance drug treatment coverage, the amount of the cost of treatment covered will vary depending on your specific plan. That’s why it’s important to work with a doctor to find the right treatment plan and verify your insurance before you commit to a rehab program.

Research shows that most people need at least 90 days of substance use treatment to make a significant change in their substance use.^{11, fifth bullet} That means that not only should you choose a program that’s long enough to make a difference, but it’s also essential that you finish the entire program. Only by completing the entire process will you learn and practice your new habit long enough to set yourself up for a strong chance of success long term.

You can check how much coverage you can expect by calling the phone number on the back of your insurance card. Also, keep in mind that you can use TRICARE coverage nationwide so you aren’t limited to treatment programs in your specific state.

Choosing between Tricare Insurance Inpatient vs. Outpatient Cocaine Rehab Centers

Your doctor will be able to tell you whether inpatient or outpatient treatment is the best for your specific situation.

There are several reasons why a doctor might decide inpatient treatment is a better option. For example, care is more intensive, which might be best for your needs if you’ve been using for a long time.

Inpatient programs have more immediate accountability and can give you additional resources more quickly than an outpatient program. Also, you’ll get immediate support 24/7. Finally, because you’re away from home, you have a more focused environment to work on creating new habits.

How to Use Tricare Insurance for Cocaine Rehab?

To use your TRICARE Insurance substance abuse treatment coverage to get help with cocaine use, you’ll start by seeing your doctor. Your medical provider will ask questions about your history of substance use and can create a treatment plan that’s best for your needs.

Next, you’ll want to find a treatment program that meets your needs. Remember that you can look for TRICARE cocaine rehab nationwide, not just in your local area. Once you find a program you’re interested in, verify your insurance coverage and work with the treatment center to apply your TRICARE coverage to the cost of treatment.

You may have some out-of-pocket costs as well since insurance may only pay part of the cost of treatment. The treatment center can help you understand what to expect.

How to Find Cocaine Rehabs That Accept Tricare Insurance

If you want to find a treatment center that accepts TRICARE substance abuse coverage, American Addiction Centers (AAC) can help. Our Admissions Navigators can verify your coverage over the phone in just a few minutes.

We have high-quality treatment centers nationwide that can help you get the help you need to break free from cocaine use. Start by talking to your doctor, and then start looking for the right rehab program.

You deserve to live a life free of substance use and the health, legal, and financial costs that come with it. Take the first step by contacting us today.