What are the costs for prenatal care under TRICARE?
Quick Answer
Active duty families have very low or no cost for prenatal care. Prime has copays; Select has cost shares after deductible is met.
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Key Takeaways
- Active duty families: Very low cost
- Prime: Copays for visits
- Select: Deductible then cost share
- Use network providers
Detailed Answer
Prenatal care costs depend on your TRICARE plan.
Active Duty Family (Prime)
- Most prenatal visits: $0
- Ultrasounds: $0
- Lab work: $0
- Specialist visits: Low copay
Retiree (Prime)
- Office visits: $20-$25 copay
- Tests and labs: May have copay
- Specialist visits: $25-$30 copay
TRICARE Select
- Deductible applies first
- Network: 15-20% cost share
- Non-network: Higher costs
- Preventive prenatal often $0
Delivery Costs
- Prime: Inpatient copay per day
- Select: Cost share percentage
- Active duty family: Very low
- Counts toward catastrophic cap
Tips to Minimize Costs
- Use network providers
- MTF if available
- Understand your deductible
- Track toward catastrophic cap
Related TRICARE Terms
Related Questions
What maternity and pregnancy services does TRICARE cover?
TRICARE covers comprehensive maternity care including prenatal visits, delivery, and postpartum care for all eligible beneficiaries.
What are the cost shares for TRICARE Select?
TRICARE Select has annual deductibles, percentage-based cost shares for most services, and a catastrophic cap that limits yearly out-of-pocket costs.
How does TRICARE cover pregnancy and maternity care?
TRICARE covers comprehensive maternity care including prenatal visits, delivery, postpartum care, and newborn care at no or low cost.
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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