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How TRICARE Covers Infertility Diagnosis and Treatment

JUNE 13, 2024 – Are you considering having children? If you’re trying to get pregnant, but haven’t been able to, you may have questions about how TRICARE can help.

“If you’re struggling to conceive, it’s important to find out what might be causing you or your partner to struggle with infertility,” said Elan Green, chief of the Medical Benefits and Reimbursement Branch of the TRICARE Health Plan at the Defense Health Agency. “TRICARE covers certain tests and services that can help diagnose and treat underlying causes of infertility.”

According to the Centers for Disease Control and Prevention, infertility is defined as being unable to get pregnant after one year of unprotected sex. Any person can present with conditions that play a role in infertility.

Do you think you or your partner may be dealing with infertility? Read on to learn about your diagnosis and treatment options.

Infertility diagnosis
First, talk to your primary care manager (PCM) or gynecologist. They’ll ask questions about your medical history. They may refer you to a reproductive endocrinologist for more tests or exams.

If medically necessary, TRICARE covers certain diagnostic tests for infertility. These may include:

  • Semen analysis
  • Hormone evaluation
  • Chromosomal, immunologic, and imaging studies
  • Special and sperm function tests
  • Bacteriologic investigation

Sometimes, there may be an underlying physical cause to the infertility. TRICARE covers treatments to correct these types of physical causes.

Check with your regional contractor before getting these services. You may need to get pre-authorization, regardless of what TRICARE health plan you have.

Assisted reproductive technology services
Some people seek assisted reproductive technology (ART) services to overcome their infertility.

ART services at military hospitals and clinics
Although TRICARE doesn’t cover ART services, these services are available on a first-come, first-serve basis at a greatly reduced cost. They’re available from eight military hospitals that have obstetrics and gynecology reproductive endocrinology and infertility graduate medical education programs. The eight military hospitals are:

  • Walter Reed National Military Medical Center (Bethesda, Maryland)
  • Tripler Army Medical Center (Honolulu, Hawaii)
  • Womack Army Medical Center (Fort Liberty, North Carolina)
  • Madigan Army Medical Center (Joint Base Lewis-McChord, Washington)
  • Brooke Army Medical Center (Fort Sam Houston, Texas)
  • Naval Medical Center San Diego (San Diego)
  • Naval Medical Center Portsmouth (Portsmouth, Virginia)
  • Wright Patterson Medical Center/88th Medical Group (Greene County, Ohio)

ART services for severely ill or injured service members
Are you a service member who got a serious or severe illness or injury while on active duty? Did it result in your inability to have children without the use of ART? You may be eligible for coverage of these services under the extended benefit of the Supplemental Health Care Program (SHCP). Qualifying service members may receive ART services, including the following, at no cost:

  • Sperm retrieval
  • Egg retrieval
  • In-vitro fertilization (IVF)
  • Intrauterine insemination (IUI)
  • Blastocyst implantation
  • Cryopreservation and storage of embryos

In March, the DOD updated its policy on ART for these qualifying service members. Now, in addition to the qualifying service member and their spouse, the following people may also get ART services for the service member’s benefit:

  • TRICARE-enrolled unmarried partners
  • TRICARE-enrolled third-party gestational carriers (if not being paid)

Are you a qualifying service member, their TRICARE-enrolled spouse or partner, or gestational carrier? You may also use donor sperm, eggs, or embryos that are paid out-of-pocket with any of the included ART services. Such service members also receive priority when seeking this care through any of the military hospital programs listed above.

Do you have questions about infertility diagnosis or treatment? Ask your doctor at your next appointment. And no matter what your family planning goals are, learn more about how TRICARE covers men’s health and women’s health services.

Would you like the latest TRICARE news sent to you by email? Visit TRICARE Subscriptions, and create your personalized profile to get benefit updates, news, and more.

Courtesy Story
Defense Health Agency

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Task Force to Oversee Barracks Improvement

DECEMBER 5, 2025 – Secretary of War Pete Hegseth directed in an Oct. 6 memorandum that a barracks task force be stood up to develop a departmentwide investment plan for barracks improvements and report its progress to him within 30 days. “For far too long, this department has failed too many of our warfighters. Every […]

Air National Guard Unveils New Bonus Program

MARCH 11, 2023 – On March 1st, the Air National Guard (ANG) launched a new bonus program to attract and retain personnel in critical specialties. The initiative offers significant financial rewards, with bonuses of up to $90,000 for eligible members, depending on their Air Force Specialty Codes (AFSCs). This strategic move aims to strengthen the […]

Military Students’ Tips to Balance Service and Studies

OCTOBER 10, 2025 – Studying in college while serving in the military can be highly rewarding but also extremely demanding in some respects. Military members, veterans, and their families typically balance demanding duty schedules, deployments, family responsibilities, and school schedules. It requires careful planning, flexibility, and being willing to seek and take advantage of available […]

Former Soldier Navigates Job Hunt

NOVEMBER 19, 2024 — In early 2017, Michael Quinn endured what he called the worst day in the worst year of his life. Quinn, then a sergeant major and 24-year Army Soldier, had weathered deployments in Iraq, Afghanistan and the Philippines. As an Army counter-intelligence agent, he said he learned to operate under grave circumstances […]

How Military Families Can Avoid Financial Panic During a Shutdown

OCTOBER 23, 2025 – Government shutdowns create unique challenges for military families who live on tight budgets, frequently relocate, and manage the constant demands of military service. While the uncertainty can feel overwhelming, following these five strategies can help you navigate the crisis with confidence. Keep Perspective.  This financial disruption will end, just as the […]

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