Infertility Treatment Options for Military Families

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


National Military Family Association
2800 Eisenhower Avenue, Suite 250
Alexandria, VA 22314

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