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Does TRICARE cover fertility treatments like IVF?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
AI-assisted (gemini, gpt-4o)
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.
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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