Fertility Treatment

Fertility treatment encompasses medical services designed to help individuals or couples achieve pregnancy. TRICARE provides limited coverage for certain fertility-related services, with expanded benefits available for service members with service-connected conditions affecting fertility.

TRICARE-covered fertility services: • Diagnostic testing for infertility (hormone levels, imaging, semen analysis) • Treatment of underlying conditions causing infertility • Medication for ovulation induction • Surgical correction of reproductive conditions • Intrauterine insemination (IUI) in some cases

Expanded fertility coverage for wounded warriors: • In Vitro Fertilization (IVF) for service members with service-connected injuries • Assisted reproductive technology when infertility results from military service • Coverage includes medications, procedures, and lab work for IVF • Must meet specific eligibility criteria

Services generally NOT covered by TRICARE: • IVF for non-service-connected infertility • Donor eggs or sperm (with limited exceptions) • Surrogacy • Cryopreservation of eggs or embryos (with limited exceptions for medical necessity) • Elective fertility preservation for non-medical reasons

Accessing fertility services: • Start with your PCM or OB/GYN for evaluation • Referral to a reproductive endocrinologist may be needed • Prior authorization required for many fertility treatments • Network specialists offer lower cost-sharing

Discuss your fertility concerns and options with your healthcare provider to understand which services are covered under your specific TRICARE plan.