Infertility Care for Members and Family of the Military

by RRC on November 30, 2011 · 3 comments

The following information was published in November 2011 by RESOLVE The National Infertility Association.  We know that wading through insurance policies and coverages can be daunting, and when added to a diagnosis of infertility…it only adds to the stress. What follows applies specifically to military personnel.  First and foremost, we want to thank not only those currently serving, but those who have served our country in the past, as well as their families and friends.

Family building and fertility issues often fall to the bottom of the list of considerations for these families, and understandably so. There are options for military families needing treatment for infertility, and it’s important to understand these. First, know what is covered! You have the following options for receiving care such as an IUI or IVF procedure:

  • Receive treatment at one of the Military Treatment Facilities (MTF) listed below.  You will still need to pay out-of-pocket but the cost is less compared to the same services at a non-military clinic.
  • Use your Tricare insurance coverage for medical care outside of a MTF, however, Tricare does not cover IVF or IUI’s, and may have limited coverage for other procedures.   Check your plan first and talk to Tricare to get all the facts. And, if you are denied coverage, write a letter and appeal. Most insurance plans are not counting on you to appeal and you may get the coverage determination reversed.
  • Pay out of pocket at a non-military clinic but ask the clinic about military discounts, drug discounts, and payment plans. Many clinics today are offering military discounts and can share with you information on discounts for your medications.  Also, some clinics are contracted with Tricare to provide services via the Tricare insurance plan.

From the Tricare website: Infertility Treatment

TRICARE may cover the following types of infertility testing and treatment.

  • Diagnostic services to identify physical illnesses or injuries to the reproductive system are covered for both men and women. Infertility treatments, corrective treatments and surgeries for women are also covered. However, correction of male infertility may be cost shared, which is determined on a case-by-case basis.
  • Therapies covered by TRICARE include hormonal treatment, corrective surgery, antibiotics, administration of human chorionic gonadotropin (HCG) or radiation therapy depending on the cause. These therapies are covered for both sexes.
  • TRICARE also provides medically necessary appropriate medical care for erectile dysfunction due to organic, vice psychological or psychiatric, causes.


  • In-vitro fertilization (IVF) for women (see note below)
  • Reversal of surgical sterilization is not covered for either sex.

A note about IVF: While TRICARE does not cover IVF, there are military treatment facilities (MTFs) where IVF medical training programs are conducted. Beneficiaries who participate in these programs will be responsible for all MTF costs.

Military Treatment Facilities offering IVF procedures:



Family Act of 2011:

This pending legislation was introduced in 2011 in the U.S. Senate and will create a tax credit for the out-of-pocket costs associated with infertility medical treatment. Aptly named the Family Act of 2011, S 965 will potentially help thousands of people seek medical treatment that otherwise would be out of reach for them. Find out how you can get involved with supporting this bill and getting it passed by Congress.

A Bill to Establish a National Commission on Urotrauma:
The American Urological Association is advocating for H.R. 1612, a bill to direct the Secretary of Defense to establish a commission on urotrauma to study more effective treatments for those who suffer from these lifelong wounds.  This legislation is similar to measures taken by prior Congresses to improve treatment of post-traumatic stress disorder and traumatic brain injury, which have also affected our troops with startling frequency in recent years. Urotrauma is a class of wounds to the genitourinary system, which includes the kidneys, and reproductive and urinary tract organs.  These are some of the most common and debilitating injuries suffered by our servicemen and women from IED detonation and can cause infertility.
To find out more and take action, click here


{ 3 comments… read them below or add one }

David Carter December 6, 2011 at 7:51 am

Dear Sir or Mam,

My name is Sgt. David Carter, I am a member of the Oklahoma Army National Guard, currently deployed to Kuwait. Recently my wife and I heard about a possible IVF treatment program at the Wilford Hall or Brooke Army Medical Centers available to service members. I am emailing you in hope that you may be able to steer me in the right direction, as far as maybe being able to give me a contact email for the proper people I would need to contact, to discuss our infertility situation. I do not have good phone communication over here but any phone numbers I will gladly forward to my wife for additional help. Again any information you could give me would be greatly appreciated, you may email me at this address or I have listed my AKO email address below, thank you again and God bless.

Sincerely Sgt. David Carter


RRC December 7, 2011 at 8:16 am

Dear Sgt. Carter,
What a pleasure it was to receive your message. We’re glad you found us…and thanks for finding the time to write. First and foremost, our sincere thanks for your service to our country– especially at this time of year. Your sacrifice is magnified during the holidays and we are so appreciative.

We don’t have much additional information as it pertains to military coverage other than what we found for this post. It was updated just a few weeks ago. That being said, I can offer contact info for our office manager in hopes that you’ll pass it on to your wife. Our office manager’s name is Toni Clark, and she’s very good at what she does. She is especially knowledgeable when it comes to understanding insurance policies and coverage. She would be happy to visit with your wife and try to help her understand what her options might be. Toni can be reached (we are in Kansas City) at Phone 1-877-221-2323. Address: 12200 West 106th Street Suite 120, Overland Park, KS 66215.
Office Hours 7:30 a.m. – 4:00 p.m.

We hope to hear from your wife and hopefully we can be of assistance. Merry Christmas to your and your family- and thanks again for your service!


kylaena fitu November 11, 2014 at 7:21 pm

Hi my name is kylaena … my husband john and i have been trying for more than a year to get pregnant… my doctor is of no help, also, i have PCOS … which also makes it hard yo concieve… i was wondering if there was a way to get in gor an appointment for the infertility clinic at madigan on JBLM in WA… or if there is another place we can go in tacoma wa with tricare? I, myself, am growing incredibly frustrated…

Any help would be awesome!
Thabk you and God Bless!
Kylaena and john


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