TRICARE Coverage for Women's Health Services
Overview
TRICARE covers a full range of women's health services including preventive screenings, contraception, maternity care, and gynecological treatment. Preventive women's health services are covered at no cost when using network providers.
Treatment Options Covered by TRICARE
- Annual well-woman exam
- Mammography screening (annual, age 40+)
- Cervical cancer screening (Pap smear)
- HPV testing
- Contraception (all FDA-approved methods)
- Breast cancer genetic testing (BRCA)
- Gynecological care
- Menopause management
- Osteoporosis screening
- STI screening and treatment
- Pelvic floor therapy
How TRICARE Covers Women's Health Services
TRICARE covers all recommended preventive women's health services at $0 for network providers. This includes mammograms, Pap smears, HPV testing, contraception, and well-woman exams. All FDA-approved contraceptive methods are covered, including IUDs, implants, and oral contraceptives.
Coverage by Plan
TRICARE Prime
Preventive women's health services at $0. Contraception at $0 (military pharmacy). Well-woman exam at $0 with PCM. GYN referral for specialty care.
TRICARE Select
Preventive services at $0 (network). Contraception covered at network pharmacies. GYN visits at standard cost share. Self-refer to OB/GYN.
TRICARE For Life
Medicare covers preventive women's health services. Mammograms covered annually. TFL covers remaining costs.
Estimated Costs
| Scenario | Estimated Cost |
|---|---|
| Annual well-woman exam | $0 (all plans, network) |
| Screening mammogram | $0 (all plans, network) |
| Pap smear | $0 (all plans, network) |
| IUD insertion | $0 (contraception covered as preventive) |
| Oral contraceptives (military pharmacy) | $0 |
Authorization Requirements
Preventive women's health services do not require authorization. Specialized gynecological procedures or surgery may require authorization. Genetic testing (BRCA) may require authorization based on risk criteria.
Network & Provider Notes
OB/GYNs, certified nurse midwives, and women's health nurse practitioners are available in the TRICARE network. Select beneficiaries can self-refer to OB/GYN without a separate referral.