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🏥Insurance Coverage

Perinatal mental health therapy covered by Tricare

See a specialist this weekPMH-C Certified TherapistsTelehealth · see anyone from homeAccepts Tricare
In network with
TRICARE+9 more

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. Our PMH-C certified therapists treat postpartum depression, perinatal anxiety, and birth trauma, 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.

Dr. Emily Guarnotta

Dr. Emily Guarnotta

Psychologist & Founder

From our founder

When I had my first child, I was shocked by the challenges I faced as a new mother.

Like so many women, the shame of postpartum depression and anxiety kept me silent for nearly two years. When I began working with postpartum clients, I was struck by how many stories were so similar to my own.

I founded Phoenix Health to make it easier for new mothers like me to find the right help.

Our specialists who accept Tricare

Most Phoenix Health therapists hold 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 had been through. I finally felt seen.

hopeful mom

In-network with
Tricare.

Most clients pay less than $20 per session.

Accepted Insurance Networks

TRICARE
Aetna
Blue Cross Blue Shield
UnitedHealthcare
Cigna

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.

See full coverage map →

Ready to book? Here’s how it works.

The whole process takes about 5 minutes. We handle insurance — you just show up.

  1. 1

    Book your free call

    A quick 15-minute chat to hear what you're going through, answer your questions, and make sure we're a great fit for your needs. No cost, no commitment.

  2. 2

    Get matched

    We'll pair you with the right specialist for your specific situation. We'll also check your insurance, so you know your exact cost per session before moving forward.

  3. 3

    Start your first session

    Meet your therapist from the comfort of home. No commute, no waiting rooms, no judgment. Most clients notice a real difference within just 2 to 3 sessions.

No commitment · Most insurance accepted · Available this week

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 parenting and mental health

OBs, doulas, and pediatricians refer their patients to us because we specialize in maternal mental health.

  • Parents.com
  • Postpartum Support International
  • Healthline
  • HuffPost
  • Fatherly
  • Choosing Therapy

The sooner you start,
the sooner you'll
feel like yourself again.

You've been surviving. It's time to start healing.

No commitment · Covered by insurance · Available this week