Does TRICARE cover fertility treatments like IVF?

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Quick Answer

TRICARE covers fertility diagnosis and treatment of underlying conditions. IVF is only covered for active duty with service-connected injuries through specific MTF programs.

Key Takeaways

Diagnosis covered, IVF usually not
Treatment of causes covered
Limited IVF for service injuries
Many treatments excluded

Detailed Answer

TRICARE fertility coverage is limited:

What IS Covered

Fertility testing and diagnosis
Initial evaluation and workup
Treatment of underlying conditions
Some medications
Artificial insemination (limited)

What's NOT Covered

In-vitro fertilization (IVF) - civilian providers
Egg freezing for non-medical reasons
Surrogacy services
Sperm/egg donation (usually)

IVF Exception

Active duty with service-connected injury
May access IVF at specific MTFs
Through Assisted Reproductive Services Program
Very specific eligibility criteria

Covered Treatments

Hormonal therapies
Treatment of endometriosis
Treatment of PCOS
Treatment of male factor infertility

Costs

Covered services have normal cost-shares
Excluded treatments are out-of-pocket
MTF may offer some procedures

Alternative Options

Some military hospitals have fertility programs
Research clinical trials
State-specific mandates (if applicable)

Helpful Tips

Explore MTF fertility programs
Check VA benefits for veterans
Research clinical trials

What do most military families add to their TRICARE coverage?

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