Is It Covered?

Search the A-Z list for a list of covered services. Your coverage and out-of-pocket costs may vary based on who you are and your health plan option.


TRICARE coverage for surrogacy health care is a limited benefit.  TRICARE pays second for services and supplies related to maternity care, including antepartum care, childbirth, postpartum care and complications of pregnancy for a surrogate mother who:

  • Is a TRICARE beneficiary
  • Has a contractual agreement with the adoptive parents

The medical expenses agreed to in the contract are considered primary coverage.

  • TRICARE pays second after the surrogate mother seeks reimbursement from the adoptive parents.
  • Any amount designated for medical expenses under the contract must be exhausted before TRICARE will cover other covered benefits for the surrogate mother.
  • If the contract doesn’t specify a reasonable amount for reimbursement for medical expenses, the surrogate mother will pay a reasonable amount of the expenses.

Without a contract, TRICARE doesn’t cover maternity services provided to a TRICARE beneficiary acting as a surrogate.

See Also: Maternity Care



This A-Z list of topics is not all inclusive. TRICARE covers most inpatient and outpatient care that is medically necessary and considered proven. However, there are special rules or limits on certain types of care, while other types of care are not covered at all.

Last Updated 9/15/2014