Find a Therapist Who Accepts TRICARE

Browse 2,100+ licensed MFTs across all 50 states who accept TRICARE for couples, family, and individual therapy.

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2,100+MFTs Who Accept TRICARE
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MFTs Currently Accepting TRICARE

Verified therapists who accept your insurance plan — accepting new clients now.

A

Amanda Torres, LMFT

Couples & Anxiety Specialist • 15 years exp.

★★★★★ 4.9
Accepts TRICARECouples TherapyAnxiety
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M

Michael Chen, LMFT

Trauma & Family Therapist • 12 years exp.

★★★★★ 4.8
Accepts TRICARETraumaFamily Therapy
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S

Sarah Williams, LMFT

Individual & Relationship Therapy • 9 years exp.

★★★★★ 4.9
Accepts TRICAREAnxietyCouples Therapy
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J

Jennifer Park, LMFT

Children, Teens & Families • 11 years exp.

★★★★½ 4.7
Accepts TRICAREChild TherapyTeen Counseling
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About TRICARE Mental Health Benefits

TRICARE is healthcare for U.S. military members and their families. Many TRICARE plans include mental health and behavioral health benefits that cover Marriage and Family Therapy sessions, thanks to the Mental Health Parity and Addiction Equity Act (MHPAEA), which requires insurers to provide mental health benefits at parity with medical/surgical benefits.

Common TRICARE plan types that cover MFT therapy include:

TRICARE Plans

TRICARE Prime, TRICARE Select, TRICARE for Life

Always verify coverage directly with your insurer before your first session. Coverage varies by plan, state, and individual policy. Ask your therapist's office for their NPI number and ask TRICARE if they are an in-network provider for your specific plan.

Frequently Asked Questions

Does TRICARE cover marriage counseling? ▼
Many TRICARE plans cover couples or marriage counseling when it is medically necessary and provided by a licensed therapist. Coverage varies by plan — some TRICARE policies cover couples therapy when at least one partner has a diagnosable mental health condition. Contact TRICARE directly or ask your therapist's billing office to verify your specific benefits.
How do I find an in-network MFT with TRICARE? ▼
Use the insurance filter on MFTFinder to search for therapists who accept TRICARE. You can also call the member services number on the back of your TRICARE card or log into your TRICARE member portal to search for in-network behavioral health providers in your area.
What is my copay for therapy with TRICARE? ▼
Copays for mental health therapy with TRICARE vary by plan — typically ranging from $0 to $60 per session for in-network providers. Review your Summary of Benefits and Coverage (SBC) document or contact TRICARE member services for your specific copay, deductible, and out-of-pocket maximum for behavioral health services.
Does TRICARE cover telehealth therapy? ▼
Yes — most TRICARE plans now cover telehealth (video or phone) therapy sessions at the same rate as in-person visits, a policy that expanded significantly during and after the pandemic. Filter for telehealth providers on MFTFinder to find TRICARE-accepting therapists who offer remote sessions.

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