You will be redirected to the page you want to view in  seconds.

Tricare specifics on infertility coverage

Jul. 31, 2014 - 02:59PM   |  
  • Filed Under

Q. My wife and I have been trying to have children for a while now and nothing seems to work. Does Tricare cover surrogacy or in vitro?

A. Tricare is picky about what it will and will not cover in this area.

For infertility, Tricare will cover:

■Diagnosis to identify physical illnesses or injuries to the reproductive system for both men and women. Infertility treatments, corrective treatments and surgeries for women are also covered.

■Therapies including hormonal treatment, corrective surgery, antibiotics, human chorionic gonadotropin or radiation therapy for both sexes.

■Medically necessary and appropriate medical care for erectile dysfunction due to organic — not psychological — causes.

Tricare does not cover services and supplies related to artificial insemination, in vitro fertilization or gamete intrafallopian transfer.

For surrogacy, the surrogate mother also must be a Tricare beneficiary and be willing to sign a contract with the adoptive parents. If those requirements are met, Tricare covers maternity care, including pregnancy, birth, postpartum care and any complications.

You and your wife should get an idea from a doctor of your best options, and then talk to the managed-care contractor for your Tricare region.

Q. I’m 18 and enlisting in the Army Reserve. I ship out to basic training in a few weeks. My girlfriend, also 18, is two months pregnant. Will Tricare cover the whole thing?

A. While you’re on active duty in basic training and Advanced Individual Training, the military will fully cover your health care needs. Once you move to drilling status in your Reserve unit, your military health care option will be Tricare Reserve Select, which requires enrollment and payment of monthly premiums.

Your girlfriend can’t be covered under Tricare unless you marry her. But once the baby is born, you can register him or her under your sponsorship in the Defense Enrollment Eligibility Reporting System. Then the baby can be covered under Tricare Reserve Select. More information on TRS is here:

If you are called to active duty, you and any family members under your sponsorship become eligible for free military health care for as long as you’re on active duty and, depending on the type of mobilization, possibly for a period fter you demobilize.


A response in the July 21 Tricare Help column misstated Tricare policy on cost shares for Tricare Reserve Select beneficiaries who use military treatment facilities.

MTFs never collect cost shares from any beneficiary; they charge only a minimal daily subsistence fee for inpatients.

Write to Tricare Help, Times News Service, 6883 Commercial Drive, Springfield, VA 22159; or In email, include the word “Tricare” in the subject line and do not attach files. Get Tricare advice any time at

Answers by RallyPoint

Join trending discussions in the military's #1 professional community. See what members like yourself have to say from across the DoD.

More In OFFduty

Start your day with a roundup of top defense news.

VA Home Loan

Search By:

Product Options:
Zip Code:

From Our Blogs


The latest from PT365

News for your in-box

Sign up now for free Military Times E-Reports. Choose from Money and Education. Subscribers: log in for premium e-newsletters.

This Week's Army Times

This Week's Army Times

CrossFit vs. unit PT
Troops will do the training plans in a $2.5 million study

Subscribe for Print or Digital delivery today!

MilitaryTimes Green Trusted Classifieds Looking to buy, sell and connect on Military Times?
Browse expanded listings across hundreds of military installations.
Faces of valorHonoring those who fought and died in Operations Iraqi Freedom and Enduring Freedom.
hall of valorThe Hall of Valor is a searchable database of valor award citations collected by Doug Sterner, a Vietnam veteran and Military Times contributing editor, and by Military Times staff.

All you need to know about your military benefits.

Benefits handbook

Guard & Reserve All you need to know about the Guard & Reserve.

guard and reserve handbook