Infertility Treatment Options for Military Families

Couple at an Infertility Clinic

Our Association frequently gets questions about military family options for infertility treatment. At this time, TRICARE offers limited infertility coverage and does NOT cover assistive reproductive technology (ART) such as artificial insemination and in-vitro fertilization (IVF).

Although it is not a TRICARE-covered benefit, ART services are offered at six military treatment facilities (MTFs) in collaboration with civilian partners (i.e., civilian IVF centers and/or contracted laboratory services.) A recent report to Congress, Efforts to Treat Infertility of Military Families, outlined details regarding MTF-provided ART services, including:

  • Who is eligible? ART services at the six MTFs are available to active duty service members as well as all other TRICARE beneficiaries including active duty family members, retirees, and their dependents.
  • What services are offered at the six MTFs? While the six MTFs vary in terms of what is done “in house” versus with their civilian partners, they all offer the complete array of infertility services including medications, reproductive counseling, IVF, sperm retrieval, egg retrieval, artificial insemination, egg cryopreservation, sperm cryopreservation, and embryo cryopreservation.

  • Will I pay out-of-pocket? Yes, but only for those services not provided directly by the MTF including embryology laboratory services. The report estimates a rough out-of-pocket cost of $5,000 per couple per IVF cycle.

  • How long is the wait list? Access varies among the six MTFs with waiting times ranging from no wait time up to one year.

  • If it’s not a covered benefit, why do some MTFs offer ART? It supports graduate medical education programs while offering some military families access to considerably discounted ART services.

The six MTFs offering ART are:

For additional information about these services, please contact the facility directly.

Posted April 25, 2016


From: Ann on: August 21, 2018
Jeanine: Here is a website that you can research: IVF procedure is offered to specific veterans. To learn more contact your local women veteran health program manager, even if you are a male veteran. They can provide you with information on what fertility services are offered by the VA.
From: Jeanine on: July 18, 2018
I know this seems to be for active duty. I need to know if ART or something like it is available for veterans.
From: shauna on: May 10, 2018
we received a $1500 military discount on roughly $18,000 of an IVF plan at the san diego fertlity center.
From: Michelle on: December 1, 2017
I am active duty and am trying to do IVF. I just would like to know what the process is step by step,command wise. What are the requirements and are we gonna be screened or is it just straight medical process? Thank you,have a great day!
From: Naisia on: September 24, 2017
Is this option available for same sex couples who are married and on active duty?
From: Gina on: February 24, 2017
Hi, do you offer infertility coverage for Army Reserve?
From: watermelon on: April 28, 2016
Im just really glad that more and more alternatives are now available to help couples conceive. I have tried IVF, and had 2 failed rounds, it was too expensive so we needed to check other options. Tried different fertility treatments and medications before something finally worked, pregnancytips.. Im so happy we found something. We're now proud parents of a beautiful little boy.. It all depends on how your body will react to the prod/procedure and how much your wallet can handle.
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