NICU & High-Risk Pregnancy therapy covered by Tricare
"I should feel grateful my baby is alive. Instead I feel traumatized and no one understands why."
+9 moreNo 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.
You might benefit from therapy if…
- ✓Your baby spent time in the NICU or you had a high-risk pregnancy, and the trauma is still with you
- ✓You can't talk about it without crying, or you can't talk about it at all
- ✓You're hypervigilant about your baby's health long after discharge, in ways that don't feel proportionate
- ✓You feel guilty for being traumatized when your baby is home and healthy
- ✓You can't imagine being pregnant again, or you're terrified at the idea
- ✓You have flashbacks, intrusive memories, or panic around hospitals and medical settings
Dr. Emily Guarnotta
Psychologist & Founder
From our founder
NICU parents often arrive in therapy minimizing what they went through. They'll tell me their baby is fine, as if that means they shouldn't still be carrying anything. I tell them the same thing every time: the outcome doesn't cancel the experience. What you lived through deserves treatment.
What therapy looks like
Our NICU & High-Risk Pregnancy specialists who accept Tricare
Most Phoenix Health therapists hold PMH-C certification — the gold standard in perinatal mental health.
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Tiara Okoruwa
PhD, LCSW
Tiara is a Licensed Clinical Social Worker in Texas specializing in perinatal mental health, supporting expecting and new parents through anxiety, grief, and the transition to parenthood using a trauma-informed, integrative approach.
Licensed in TX
Lyndsay Ward
LCSW, PMH-C
Lyndsay is a Licensed Clinical Social Worker in New York dedicated to guiding parents through the unique challenges and transitions found in every stage of the family-building journey.
Licensed in NY
Sailys Concepcion
LMHC, LPC, LPCC, PMH-C
Sailys is a bilingual therapist who helps parents navigate the emotional journey of pregnancy, postpartum, infertility, and loss across California, Florida, Georgia, Arizona, Washington, and Louisiana.
Licensed in CA, LA, WA, AZ, GA, FL
Amanda Flowers
LPC, PMH-C
Amanda is a Licensed Professional Counselor in Texas and a Licensed Clinical Professional Counselor in Montana specializing in perinatal mental health, supporting clients through pregnancy, postpartum, and infertility using a collaborative, trauma-informed, and mind-body approach.
Licensed in TX, MT
Real clients. Real relief.
What our clients say about their experience.
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“"My son came home after seven weeks in the NICU with a monitor and a feeding schedule that looked like a hospital chart. I was managing a medically complex baby while recovering from a traumatic birth, alone in our house with no nursing staff. My therapist was the only place I had to fall apart safely."”
— NICU and preemie mom
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“"I was high risk for most of my pregnancy. Every week felt conditional. When she arrived healthy, I expected relief. What I got instead was a crash: all the fear I'd been white-knuckling through finally had somewhere to go. My therapist helped me process nine months of terror that I hadn't been allowed to show."”
— high-risk pregnancy
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“"My daughter was in the NICU for nine weeks. I went home every night to an empty room and came back every morning to a baby I was afraid to love because I was terrified she'd be taken from me. My therapist helped me understand that the emotional distance I felt was protection, not failure. Slowly I let her in."”
— NICU mom
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“My son was in the NICU for 41 days. I held it together the whole time. Six months after we came home I had a panic attack at a routine pediatrician appointment. EMDR was the thing that finally moved it.”
— Bri, NICU mom
In-network with
Tricare.
Most clients pay less than $20 per session.
Accepted Insurance Networks
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 start NICU & High-Risk Pregnancy therapy? Here’s how it works.
The whole process takes about 5 minutes. We handle insurance — you just show up.
- 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
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
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
- Yes. Trauma is about the experience, not the outcome. You can be deeply grateful for the outcome and deeply affected by what it took to get there. Both are true. Therapy makes space for both.
- During the NICU stay, you were in survival mode. Adrenaline, structure, and focus on the baby often delay emotional processing. When you go home, that scaffolding lifts, and the trauma can surface. This is extremely common and very treatable.
- Yes. High-risk pregnancy alone can be traumatic, especially when you spent months waiting for something to go wrong. Many of our clients experienced no NICU stay but came out of pregnancy itself with significant trauma symptoms.
- Yes, this is one of the most rewarding pieces of work. Processing the first experience before another pregnancy can dramatically change how you experience the next one. Many clients come in specifically for this.
- 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.
From the Phoenix Health resource center
Articles and guides about nicu & high-risk pregnancy
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.
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
Learning resources
🏥Read our NICU & High-Risk Pregnancy guides →Often goes alongside