Will TRICARE Cover IVF? Your Guide to Fertility Benefits for Military Families

Starting a family is a dream for many, but for military families, the journey can come with unique twists and turns. If you’re covered by TRICARE—whether you’re active duty, a spouse, or a retiree—you might be wondering: Will TRICARE cover in vitro fertilization (IVF)? It’s a big question, and the answer isn’t as simple as a yes or no. Fertility treatments like IVF can be a lifeline for couples facing infertility, but they’re also expensive and emotionally draining. For military families, who already juggle deployments, relocations, and service-related challenges, understanding what TRICARE offers (and doesn’t) is key to planning your next steps.

In this guide, we’ll dive deep into TRICARE’s coverage for IVF and other fertility treatments as of April 2025. We’ll break down the rules, explore new policy changes, and share practical tips to help you navigate this process. Plus, we’ll uncover some lesser-known options and fresh insights that you won’t find in most articles—like how recent advocacy efforts might shape your benefits soon. Whether you’re just starting to explore fertility options or you’re knee-deep in the process, this is your one-stop resource. Let’s get started.