U.S. Military Insurance Provider Offers Limited Coverage for Assisted Reproductive Services

Tricare, the medical insurance provider for the United States armed services, has specified what treatments it will cover related to reproductive health and infertility issues, as well as surrogacy. According to a recent article posted in the Navy Times, Tricare will cover the following infertility treatments:

• Diagnosis to identify physical illnesses or injuries to the reproductive system for both men and women. Infertility treatments, corrective treatments and surgeries for women are also covered.

• Therapies including hormonal treatment, corrective surgery, antibiotics, human chorionic gonadotropin or radiation therapy for both sexes.

• Medically necessary and appropriate medical care for erectile dysfunction due to organic (physical) — not psychological — causes.

However, Tricare does not cover any of the following services:

• Artificial or intrauterine insemination

• Any costs related to donors and semen banks

• Reversal of tubal ligation or vasectomy

• Care for erectile dysfunction from psychological causes, including:

o Depression

o Anxiety

o Stress

• Non-coital reproductive procedures, services or supplies, including:

o In vitro fertilization

o Gamete intrafallopian transfer

o Zygote intrafallopian transfer

o Tubal embryo transfer

For surrogacy, the surrogate mother also must be a Tricare beneficiary and be willing to sign a contract with the adoptive parents. If those requirements are met, Tricare covers maternity care, including pregnancy, birth, postpartum care and any complications.

For more information related to Tricare’s coverage of assisted reproductive services, please visit http://www.tricare.mil/CoveredServices/SeeWhatsCovered/AssistedReproductiveServices.aspx