Using TRICARE for Addiction Treatment in Florida
WHAT YOU NEED TO KNOW
- River Oaks is a TRICARE-authorized provider, covering medical detox, inpatient rehab, PHP, IOP, outpatient, and MAT for eligible service members
- TRICARE covers addiction treatment for active-duty, retirees, National Guard, Reserve, and eligible dependents
- River Oaks is PsychArmor Certified Veteran Ready with a specialized Salute to Recovery program for Veterans and First Responders
- TRICARE requires referral and pre-authorization through your PCM (Primary Care Manager) before treatment begins
- Call for free, confidential TRICARE benefits verification; navigators coordinate authorization
TRICARE Coverage for Addiction Treatment at River Oaks
TRICARE is the healthcare program serving active-duty military, retirees, and their families. TRICARE covers addiction treatment for eligible service members and dependents.
River Oaks Treatment Center in Riverview, FL is a TRICARE-authorized provider and PsychArmor Certified Veteran Ready facility with a specialized Salute to Recovery program for Veterans and First Responders.
This guide explains TRICARE coverage, plan types, costs, and how to access treatment.
Does TRICARE Cover Substance Abuse Treatment?
Yes. TRICARE covers substance use disorder treatment for eligible beneficiaries.
Under the Affordable Care Act (ACA) and federal parity laws, TRICARE provides coverage for addiction treatment including medical detox, inpatient rehab, outpatient therapy, and MAT.
TRICARE requires a referral from your Primary Care Manager (PCM) and pre-authorization before treatment begins. River Oaks admissions navigators coordinate directly with TRICARE on your behalf to streamline this process.
What Addiction Treatment Services Are Covered?
Medical Detox: 24-hour supervised withdrawal management. Learn about medical detox.
Inpatient/Residential Rehab: Full-time residential treatment with daily therapy and 24/7 oversight. Learn about inpatient rehab near Tampa.
Partial Hospitalization (PHP): 6-hour sessions, 5 days weekly intensive treatment. Learn more on the PHP program.
Intensive Outpatient (IOP): 3+ hours, 3+ days weekly; virtual IOP also available. Here’s more about IOP at River Oaks.
Outpatient Treatment: Weekly therapy for ongoing support. Learn about outpatient options.
Medication-Assisted Treatment (MAT): FDA-approved medications with behavioral therapy. Learn about MAT and methadone detox.
Telehealth/Virtual IOP: Online IOP sessions Mon-Wed 5-8 PM. Learn about telehealth options.
Co-Occurring Disorder Treatment: Integrated dual-diagnosis care for mental health + addiction. Learn about co-occurring disorders.
Treatment Levels at River Oaks
| Level | Hours/Week | Setting | Best For | Duration |
| Medical Detox | 24/7 | Inpatient | Active withdrawal | 5-10 days |
| Inpatient | 24/7 | Riverview, FL campus | Moderate-severe SUD | 28-90+ days |
| PHP | 30 hrs | Outpatient | Step-down; intensive support | 3+ months |
| IOP | 9-12 hrs | In-person/virtual | Work/family obligations | 2-12 months |
| Outpatient | 1-4 hrs | Outpatient | Ongoing support | 6-12+ months |
| Virtual IOP | 9 hrs | Online (Mon-Wed 5-8 PM) | Remote/flexible access | Ongoing |
Understanding Your Out-of-Pocket Costs
Deductible: Annual amount before coverage begins.
Copayment: Fixed fee per visit.
Coinsurance: Percentage split after deductible.
Out-of-Pocket Maximum: Annual cap; then 100% coverage.
In-Network Savings: River Oaks is in-network, meaning lower costs.
River Oaks offers flexible payment options and financing.
How to Verify Your Insurance
- Call River Oaks: Call 813-551-3608. Navigators verify coverage at no cost.
- Online Verification: Complete the secure form at riveroakstreatment.com.
- Call Member Services: Call number on your insurance card for plan details.
- Review Your SBC: Check your Summary of Benefits online.
TRICARE Plan Types and Addiction Coverage
TRICARE Prime requires PCM referral and pre-authorization; lowest out-of-pocket costs. TRICARE Select allows self-referral to TRICARE-authorized providers with higher cost-sharing.
TRICARE for Life supplements Medicare for retirees 65+. TRICARE Reserve Select covers National Guard and Reserve members. All TRICARE plans cover substance use disorder treatment at authorized facilities like River Oaks.
River Oaks Salute to Recovery: Veteran-Specific Treatment
River Oaks’ Salute to Recovery program is specifically designed for Veterans and First Responders.
The program addresses military-specific challenges including combat trauma, PTSD, moral injury, transition stress, and military sexual trauma (MST).
The clinical team is PsychArmor Certified, meaning they have completed specialized training in serving military and Veteran populations.
Treatment incorporates trauma-informed care, EMDR, and peer support from fellow service members in recovery.
About River Oaks Treatment Center: In-Network Provider
River Oaks is a Joint Commission-accredited addiction treatment facility in Riverview, FL (Tampa metro) with 900+ years of combined clinical experience:
- Medical detox with 24/7 nursing and physician oversight
- Inpatient rehab with hotel-inspired amenities
- Specialized programs: Veterans, First Responders, LGBTQ+, Couples
- Mental Health Services center for psychiatric conditions
- Evidence-based therapies: CBT, CM, MET, family therapy, biosound
- Aftercare planning and alumni program
- MAT including methadone detox
- 90-day Brand Promise guarantee
- Joint Commission accredited, BBB rated, LegitScript certified
- PsychArmor Veteran Ready, Tampa Bay LGBT Chamber member
Other Insurance Plans Accepted
- Aetna coverage
- Cigna coverage
- UHC/Optum coverage
- Ambetter coverage
- BCBS coverage
- First Health coverage
- Humana coverage
- TRICARE coverage
- Magellan coverage
Verify Your Benefits Today
No matter what type of health insurance you have, you can check to see if and how it covers addiction treatment below.