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 list of covered services is not all inclusive. TRICARE covers services that are medically necessaryTo be medically necessary means it is appropriate, reasonable, and adequate for your condition. and considered proven. There are special rules or limits on certain services, and some services are excluded.

Last Updated 3/20/2022