TRICARE has released its health plan costs for 2027, effective January 1, 2027. For people receiving mental health care, the amount paid for an appointment depends on your plan, beneficiary category, and service received. Some session copays have changed, while others remain the same. To help make these differences easier to understand, we’ve created an interactive calculator.
Compare Your Session Copay
Choose your current coverage to compare one covered, in-network outpatient mental health specialty session. No personal information is required. For stateside coverage; excludes TRICARE For Life.
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Your Estimated
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Your final cost depends on your individual coverage.
See Deductible and Catastrophic Cap Differences Your copay may not include all costs, such as deductibles, enrollment fees, premiums, or cost-shares. Expand to compare deductibles and catastrophic caps.
| Cost | 2026 | 2027 |
|---|---|---|
What the Comparison Shows
A copay is a fixed amount a person pays for a covered service. TRICARE distinguishes between primary mental health care and specialty mental health care, with different cost schedules for each. Changes are not uniform across plans. For example, the published in-network specialty copay for active-duty family members with TRICARE Select Group A remains $39 in both 2026 and 2027. For TRICARE Select Group B, it increases from $33 to $34. Active-duty family members with TRICARE Prime continue to have a $0 copay for covered care when plan requirements are met.
Group A generally applies when the sponsor’s initial enlistment or appointment began before January 1, 2018. Group B generally applies when it began on or after that date. The sponsor is the service member whose military status establishes eligibility for coverage. Premium-based plans have their own applicable cost rules.
What Can Affect the Amount Owed
These estimates use the in-network outpatient mental health specialty classification. Individual coverage depends on your plan, provider, location and service. Your deductible, other health insurance, and any referral or authorization requirements may also affect the amount owed.
When the New Costs Take Effect
The published 2027 costs take effect January 1, 2027. TRICARE Open Season runs from November 9 through December 8, 2026, for eligible beneficiaries. Enrollment changes made during that period take effect January 1. Open season does not apply to every TRICARE plan or beneficiary category.
Sources and Individual Coverage Information
Estimates are based on publicly available TRICARE cost schedules. Contact TRICARE or your regional contractor with questions about your individual plan or circumstances.
- TRICARE: Learn Your 2026 Health Plan Costs
- TRICARE: Get to Know Your 2027 Health Plan Costs
- TRICARE: Health Plan Cost Comparison
Estimates provide general information and do not confirm benefits or the final amount owed. Different rules may apply to inpatient care, other services, or out-of-network providers. Guard and Reserve coverage depends on activation status and current enrollment. Deductibles and catastrophic caps reset each calendar year; amounts accumulated in 2026 do not carry over to 2027. Enrollment fees and premiums are separate from appointment costs. Telemynd is an independent healthcare provider. This tool is not an official TRICARE or Department of Defense resource and does not recommend a plan. It does not collect personal information; selections are used only to display estimates on this page.