Admissions / Insurance
Comprehensive behavioral health coverage for active duty service members, veterans, National Guard and Reserve members, and their families. Our admissions team verifies your TRICARE benefits at no cost.
Quick navigation
About TRICARE
TRICARE is the health care program of the United States Department of Defense, managed by the Defense Health Agency (DHA). It provides comprehensive medical and behavioral health coverage to active duty service members, members of the National Guard and Reserve, military retirees, and their eligible family members and survivors — approximately 9.6 million beneficiaries worldwide. Unlike commercial insurance, TRICARE is a single federal program administered through regional contractors who handle network management, authorizations, and claims on DHA's behalf. Mountain View Treatment is a TRICARE-authorized facility and contracts as a network provider with the appropriate regional contractor.
9.6M
TRICARE beneficiaries worldwide
TRICARE Plan Types
TRICARE Prime
A managed care option similar to an HMO, required for active duty service members. Most care is coordinated through a Primary Care Manager (PCM), and referrals are typically required for specialty care.
TRICARE Select
A self-managed preferred provider organization option allowing beneficiaries to see any TRICARE-authorized provider without a referral, though pre-authorization is still required for certain services.
TRICARE For Life
Medicare-wraparound coverage for TRICARE beneficiaries who are eligible for Medicare, typically retirees age 65 and older.
TRICARE Reserve Select
A premium-based plan for qualified Selected Reserve members and their families.
TRICARE Young Adult
Coverage for adult dependent children up to age 26 who have aged out of regular TRICARE eligibility.
How TRICARE Covers Behavioral Health Treatment
Federal regulations governing TRICARE require parity between behavioral health and other medical services. The Defense Health Agency has expanded behavioral health coverage in recent years by removing prior session limits and adding coverage for additional levels of care — including PHP and IOP — that were previously more restricted.
Medical necessity is determined using established clinical criteria. For substance use disorder care, the regional contractor applies the ASAM Criteria, the standard clinical framework used across the field. Mental health level-of-care decisions follow evidence-based guidelines outlined in the TRICARE Policy Manual. PTSD treatment is a particular focus, including evidence-based therapies such as cognitive processing therapy, prolonged exposure, and EMDR.
Levels of Care Covered
TRICARE plans generally provide coverage across our full continuum of care when medically necessary. Our admissions team works directly with TRICARE to secure appropriate levels of care for each individual.
Speak With AdmissionsIntensive daytime treatment, typically 5–6 hours per day, 5 days per week, while the individual returns home or to supportive housing in the evenings.
Approximately 9–12 hours of treatment per week, designed for individuals stepping down from higher levels of care or maintaining work, school, or family responsibilities.
Individual, family, and group psychotherapy, medication management, and aftercare planning.
Covered for opioid use disorder, including buprenorphine, naltrexone, and methadone delivered through office-based providers or TRICARE-authorized Opioid Treatment Programs.
Understanding Out-of-Pocket Costs
Network providers like Mountain View Treatment accept the TRICARE-allowable charge as payment in full, so beneficiaries are responsible only for any applicable copayment, cost-share, or remaining deductible — not balance billing.
Covered treatment is typically provided at no out-of-pocket cost for active duty service members.
For other beneficiaries, cost-shares apply based on plan type, sponsor status, and group classification (Group A or Group B).
TRICARE's annual cap on total cost-sharing. Network providers accept the TRICARE-allowable charge as payment in full.
Annual deductibles apply to most TRICARE Select and Reserve plans; Prime enrollees generally have no annual deductible.
TRICARE requires pre-authorization for residential treatment, partial hospitalization, intensive outpatient programs, and substance use disorder treatment. Mountain View's clinical team submits documentation to the appropriate regional contractor to demonstrate that the requested level of care meets medical necessity criteria.
Once treatment begins, the regional contractor conducts concurrent reviews at regular intervals. Mountain View's utilization review team advocates for the appropriate length of stay. For active duty service members, additional coordination with the service member's command and the Defense Health Agency may be required — our admissions team is experienced in navigating these requirements.
Treatment records are protected under federal law, including HIPAA and 42 CFR Part 2. TRICARE receives only the information necessary to process claims and authorize care. Seeking behavioral health care is generally protected and encouraged within the Department of Defense, and a wide range of treatment can be accessed without command notification.
Certain situations — including specific safety-sensitive duties or fitness-for-duty concerns — may involve limited disclosures, but the scope of those disclosures is defined by DoD policy rather than discretionary.
No-Cost Benefits Verification
Because coverage varies between plan types, beneficiary categories, and group classifications, the most accurate way to understand benefits is through a verification of benefits. Mountain View's admissions team contacts the appropriate regional contractor with the beneficiary's policy information.
TRICARE In-Network
As an in-network provider, Mountain View Treatment offers lower deductibles, reduced coinsurance, and a lower out-of-pocket maximum for TRICARE members.
Verification confirms:
There is no cost or obligation associated with a benefits verification.
Common Questions
For active duty service members, covered treatment is typically provided at no out-of-pocket cost. For other beneficiaries, cost-shares apply but are capped annually by the catastrophic cap, and network providers like Mountain View accept the TRICARE-allowable charge as payment in full.
TRICARE Prime enrollees typically require a referral from their Primary Care Manager for behavioral health care. TRICARE Select enrollees do not require a referral for most behavioral health services, but pre-authorization is still required for higher levels of care such as PHP and IOP.
Seeking behavioral health care is generally protected and encouraged within the Department of Defense. A wide range of treatment can be accessed without command notification. Certain safety-sensitive situations may involve limited disclosures defined by DoD policy — Mountain View's admissions team can help navigate these questions.
TRICARE coverage decisions can be appealed. Mountain View's clinical team assists with appeals by providing documentation supporting medical necessity. TRICARE has a formal appeals process with multiple levels of review.
Military retirees enrolled in TRICARE — including TRICARE For Life, TRICARE Retired Reserve, and other retiree plans — can access treatment through their TRICARE benefits. Veterans receiving care exclusively through the Department of Veterans Affairs use a separate benefit system.
Medications for MAT including buprenorphine, naltrexone, and methadone are covered under TRICARE's pharmacy or medical benefits, depending on how they are administered. Pre-authorization may be required for certain medications.
Financial Concierge
We believe that navigating the financial aspects of recovery should never be a barrier to care. We work intimately with most major PPO insurance providers to maximize your benefits and minimize out-of-pocket expenses.
How The Process Works
Secure Submission
Provide your basic policy info via our 100% HIPAA-compliant portal. Your data is strictly guarded.
Expert Analysis
Our financial advocates liaise directly with your provider to uncover the full extent of your coverage.
Clear Guidance
Within 1-2 hours, we present a completely transparent, commitment-free breakdown of your benefits.