Surrogacy
Is it covered?
Not Covered
TRICARE doesn’t cover surrogacy. TRICARE may cover maternity care if you’re a TRICARE-enrolled beneficiary acting as a surrogate.
Coverage details
TRICARE may cover services and supplies related to maternity care, including antepartum care, childbirth, postpartum care, and complications of pregnancy.
If you have a surrogacy agreement, amounts you’re entitled to receive for medical expenses under the agreement must be used first before TRICARE will pay for your remaining covered maternity care.
Contact your TRICARE contractor for more information about coverage and payment requirements.
Disclaimer:
This list of covered services isn’t all-inclusive. TRICARE covers services that are and considered proven. Some services have special rules or limits, and some services are excluded. Learn how a benefit becomes covered.
Last Updated 10/23/2026