Does TRICARE cover IVF?
Quick Answer
TRICARE generally does not cover IVF. However, active duty members with combat-related reproductive injuries may access assisted reproductive services through the DoD at military treatment facilities.
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Detailed Answer
TRICARE does not cover in vitro fertilization (IVF) or most assisted reproductive technologies for the general beneficiary population. This exclusion applies to all TRICARE plans including Prime, Select, and TRICARE For Life. However, the Department of Defense provides an exception for active duty service members who have sustained service-connected injuries that result in infertility. Through the Assisted Reproductive Technology program at select military treatment facilities, these service members and their spouses may receive IVF and other fertility treatments at no cost. TRICARE does cover diagnostic fertility testing, certain fertility medications, and treatments for underlying conditions that cause infertility, such as endometriosis surgery or varicocele repair. Beneficiaries seeking fertility treatment beyond what TRICARE covers may consider supplemental insurance or out-of-pocket payment options.
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Related Questions
Does TRICARE cover my family members?
Yes, TRICARE covers eligible family members including spouses, children under 21 (or 23 if students), and children with disabilities.
What services does TRICARE cover?
TRICARE covers preventive care, doctor visits, hospitalization, surgery, mental health, maternity, prescriptions, and more with some requiring authorization.
What do most military families add to their TRICARE coverage?
Supplemental health insurance is the most common addition — it covers dental, vision, and out-of-pocket costs that TRICARE leaves uncovered. Life insurance and a legal will are also highly recommended.
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