Does Tricare cover telehealth therapy?

Most Tricare plans cover telehealth behavioral health sessions at the same rate as in-person care under the Mental Health Parity and Addiction Equity Act. Phoenix Health verifies your specific plan benefits before your first session. Your out-of-pocket cost typically depends on your deductible and copay structure.

What is a PMH-C certification?

PMH-C (Perinatal Mental Health Certification) is awarded by Postpartum Support International (PSI) to clinicians who have completed advanced training in perinatal mental health — covering postpartum depression, anxiety, OCD, birth trauma, and related conditions. It represents the gold standard of specialization in this field.

How do I know if I need therapy?

If you're struggling — with your mood, your thoughts, your relationship, or just how you're coping — that's enough of a reason to talk to someone. You don't need a diagnosis. A free consultation is a low-commitment first step.

🕊️Grief & Loss

Grief & Loss therapy — covered by Tricare

"Grief doesn't pause for a pregnancy or a new baby. And no one teaches you how to hold both."

✓See a specialist this week✓PMH-C Certified Therapists✓Telehealth — see anyone from home✓Accepts Tricare

No commitment. We'll confirm your coverage before your first session.

Using your Tricare benefits

Phoenix Health is in-network with TRICARE in South Carolina, serving active duty families, veterans, and military retirees. TRICARE mental health coverage is one of the stronger behavioral health benefits available — the program recognizes the significant mental health toll of military service, deployment, and the unique challenges facing military families and spouses. For perinatal mental health specifically, postpartum depression, anxiety, and birth trauma are conditions that TRICARE covers through outpatient therapy. TRICARE Prime and TRICARE Select are the most common plan types for families in SC — Prime requires referrals through your Primary Care Manager, while Select allows more flexibility in choosing providers. Phoenix Health participates in TRICARE East, which covers South Carolina. Before scheduling, we confirm your specific TRICARE plan and check whether a referral is needed from your PCM. For TRICARE Prime members, starting with a referral from your PCM or calling the TRICARE nurse advice line can help streamline the process. For TRICARE Select members, you can typically schedule directly. All TRICARE plans have cost-sharing that depends on whether you're active duty, reserve component, or a retiree — we walk through this with you at intake.

✓ In-network coverage

Your benefits apply directly — no superbills or out-of-network claims.

✓ Benefits verified upfront

We confirm your copay and deductible before your first session, at no charge.

✓ Telehealth covered

Your plan covers virtual sessions at the same rate as in-person specialist visits.

Our Grief & Loss specialists who accept Tricare

All Phoenix Health therapists hold or are working toward PMH-C certification — the gold standard in perinatal mental health.

Real clients. Real relief.

What our clients say about their experience.

⭐⭐⭐⭐⭐

“My emergency C-section left me with nightmares and panic attacks. I couldn't talk about the birth without shaking. Therapy helped me process the trauma and reclaim my story. I'm pregnant again now, and I actually feel ready.”

— expecting mom of 1

⭐⭐⭐⭐⭐

“I had intrusive thoughts that terrified me. I was too ashamed to tell anyone, even my partner. My therapist explained postpartum OCD and helped me understand I wasn't dangerous. The intrusive thoughts are 90% gone now. I wish I'd reached out sooner.”

— mom of 2

⭐⭐⭐⭐⭐

“After three failed IVF rounds, I was told to 'just stay positive.' My therapist was the first person who acknowledged the grief, the anger, and the exhaustion — and helped me process what I'd been through. I finally felt seen.”

— hopeful mom

How your Tricare coverage works

📋

We verify your benefits

Before your first session, we check your specific plan to confirm coverage and estimate your out-of-pocket cost.

💳

Standard copay after deductible

Most clients pay a specialist copay ($20–$60 depending on plan) once their deductible is met.

💰

FSA and HSA eligible

Therapy sessions qualify as a medical expense — you can pay with pre-tax FSA or HSA dollars.

See full coverage map →

Questions about your Tricare coverage? We're happy to help — reach out before your first session.

Your rights under federal parity law

Under the Mental Health Parity and Addiction Equity Act (MHPAEA), your insurer cannot impose more restrictive limits on mental health coverage than on comparable medical or surgical benefits — no lower visit limits and no higher cost-sharing for therapy than for specialist medical care.

If you're denied coverage, you have the right to appeal and to request a written explanation of the denial criteria.

Questions to ask your insurer:

Is outpatient mental health covered by my plan?
What is my specialist copay and my current deductible status?
Are there any waiting periods before mental health benefits begin?
Is telehealth covered at the same rate as in-person therapy?
Does my plan have a visit limit on mental health services?

How it works

Book your free call

No commitment, no paperwork. Just a short call to tell us what you're going through and confirm we're the right fit.

Get matched

We pair you with the right specialist for your state and situation — and confirm your coverage before you commit.

Start your first session

Meet your therapist from home — no commute, no waiting room. Weekly or biweekly, adjusted to your life.

Common questions

Most Tricare plans cover telehealth behavioral health sessions at the same rate as in-person care under the Mental Health Parity and Addiction Equity Act. Phoenix Health verifies your specific plan benefits before your first session. Your out-of-pocket cost typically depends on your deductible and copay structure.
PMH-C (Perinatal Mental Health Certification) is awarded by Postpartum Support International (PSI) to clinicians who have completed advanced training in perinatal mental health — covering postpartum depression, anxiety, OCD, birth trauma, and related conditions. It represents the gold standard of specialization in this field.
If you're struggling — with your mood, your thoughts, your relationship, or just how you're coping — that's enough of a reason to talk to someone. You don't need a diagnosis. A free consultation is a low-commitment first step.

Trusted by leading voices in perinatal health