Independent guide
Infertility care and TRICARE
TRICARE covers diagnosis and treatment of a physical cause of infertility. Assisted reproductive technology is a separate, narrower benefit.
Last reviewed October 3, 2026 ยท Confirm time-sensitive details with the official program.
The physical cause and assisted reproduction are not the same benefit
The official page says TRICARE covers diagnosis and treatment of the underlying physical causes of male and female infertility. Diagnostic examples include semen analysis, hormone evaluation, imaging, and sperm function tests. Treatment examples include a procedure to correct a physical cause, and treatment for erectile dysfunction when the cause is physical. Ask your contractor before the visit. A referral or pre-authorization may be required.
The same page says TRICARE excludes assisted reproductive technology services. Those services may be available through the Supplemental Health Care Program for a service member whose serious or severe injury or illness on active duty makes procreation without assisted reproduction impossible. That path is not the standard benefit.