TRICARE East (Humana Military) Mental Health Coverage Guide
Humana Military manages the TRICARE East region, administering benefits for military families in 25 eastern U.S. states plus the District of Columbia. They manage the civilian provider network, claims processing, and referral management.
For Military Servicemembers & Families
TRICARE provides comprehensive mental health coverage for active-duty servicemembers, retirees, and their dependents. You do not need a referral for outpatient mental health visits with a TRICARE-authorized provider.
How to Verify Your Mental Health Benefits
Before your first appointment, verify your specific benefits so you know what to expect. Here is a step-by-step process for TRICARE East (Humana Military) members:
- Call 1-800-444-5445 and have your member ID card ready.
- Ask to speak with the behavioral health benefits department.
- Ask: "What is my deductible for outpatient mental health services, and how much have I met?"
- Ask: "What is my copay or coinsurance for an in-network therapy session?"
- Ask: "Do I have out-of-network benefits, and what is the reimbursement rate?"
- Ask: "Is prior authorization required for outpatient therapy?"
- Ask: "Is there a session limit per year?"
- Ask: "Are telehealth sessions covered at the same rate as in-person?"
Know Your Rights: Mental Health Parity Act
Federal law requires TRICARE East (Humana Military) to cover mental health services at the same level as medical and surgical benefits. If you are denied coverage, ask for the denial in writing and reference the Mental Health Parity and Addiction Equity Act.
Want to keep track of all these details? Use our free benefits verification worksheet to organize your coverage information.
Finding an In-Network Therapist
Search TRICARE East (Humana Military)'s provider directory directly: Find a therapist in your area
Tips for Using the TRICARE East (Humana Military) Directory
- Filter by "Behavioral Health" or "Mental Health" specialty.
- Check that the provider is accepting new patients before calling.
- Confirm the provider is in-network for your specific plan (not just TRICARE East (Humana Military) generally).
- Look for providers who specialize in your specific concern (anxiety, depression, trauma, etc.).
Types of Providers Covered
Telehealth Coverage
TRICARE East (Humana Military) covers telehealth therapy sessions, so you can meet with a therapist from home via video or phone.
Couples & Family Therapy
Family therapy covered per TRICARE guidelines.
Understanding Your TRICARE East (Humana Military) Coverage
Available Plan Types
Behavioral Health Managed By
Humana Military Behavioral Health
Some TRICARE East (Humana Military) plans outsource behavioral health management. You may need to call the behavioral health manager directly for authorizations and provider searches.
Prior Authorization
Depends on TRICARE plan type. Prime requires PCM referral; Select does not for in-network.
Substance Use Treatment
TRICARE East (Humana Military) covers substance use disorder treatment, including outpatient counseling, intensive outpatient programs, and inpatient rehabilitation.
Common CPT Codes for Therapy
These are the billing codes your therapist will use when filing claims with TRICARE East (Humana Military):
| CPT Code | Description |
|---|---|
| 90791 | Psychiatric diagnostic evaluation |
| 90834 | Individual therapy (45 minutes) |
| 90837 | Individual therapy (60 minutes) |
| 90847 | Family / couples therapy (with patient present) |
| 90846 | Family therapy (without patient present) |
| 90853 | Group therapy |
How to Get Reimbursed (Out-of-Network)
If you are seeing a therapist who is not in TRICARE East (Humana Military)'s network, you may still be able to get reimbursed. Here is how:
- Pay your therapist directly at the time of your session.
- Request a superbill from your therapist after each session. This is a detailed receipt with the information TRICARE East (Humana Military) needs to process your claim.
- Submit your claim to TRICARE East (Humana Military) using one of these methods:
- Online: Submit through the member portal
- Mobile App: Submit via the TRICARE East (Humana Military) app
- Fax: 1-800-357-3019
- Mail: Humana Military, P.O. Box 740028, Louisville, KY 40201-7428
- Wait for processing. Most claims are processed within 30 days. You will receive an Explanation of Benefits (EOB) showing what was covered.
TRICARE East (Humana Military) Claims Note
Humana Military manages the TRICARE East region provider network and claims processing.
What Your Superbill Should Include
- Therapist's name, credentials, NPI number, and tax ID
- Date of service
- CPT code (e.g., 90834 or 90837)
- ICD-10 diagnosis code
- Amount charged
- Your name and date of birth
TRICARE East (Humana Military) tip: Submit claims through the Humana Military portal. Referral requirements depend on your TRICARE plan type (Prime vs. Select).
Save Money on Therapy with TRICARE East (Humana Military)
Use Your HSA or FSA
Therapy is an eligible expense for Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs). You can use these pre-tax dollars to pay for copays, coinsurance, and out-of-network therapy costs, effectively saving 20-35% on your therapy expenses.
Ask About Sliding Scale Fees
Many therapists offer reduced rates based on your income. If you have a high deductible TRICARE East (Humana Military)plan or high out-of-pocket costs, ask your therapist about sliding scale options. Some therapists will also offer "single-case agreements" with TRICARE East (Humana Military) at a negotiated rate.