Well Woman Exam

Well-woman exams are covered annually for women under age 65.  They may include breast exams, pelvic exams, and Pap smears as needed. TRICARE covers these exams with no cost-shareA percentage of the total cost of a covered health care service that you pay. or copaymentA fixed dollar amount you may pay for a covered health care service or drug..

TRICARE covers:

  • Well-woman exams without the requirement that they be provided in connection with a covered cancer screening or immunization
  • Breast exams
  • Pelvic exams
  • Pap Smears
  • HPV DNA testing when performed in conjunction with a Pap smear for women age 30 or older
  • Other screenings and services when ordered or recommended during the exam

You may have additional well-woman exams if your provider says you need them.

Well-Woman Exams for Women Age 65 and Older

For women who are age 65 and older and using TRICARE For Life, you can still get women’s preventive screenings—things like breast exams, pap smears, pelvic exams, and screenings for sexually transmitted infections—but the difference is that Medicare is your primary coverage and TRICARE For Life pays second. So, you’ll need to follow Medicare’s rules first.

When Medicare benefits are exhausted, TRICARE becomes your primary payer. In this case, you will be responsible for the TRICARE cost-shares and deductible.

For more information about using Medicare and TRICARE For Life, visit: www.tricare.mil/TFL

For a complete list of Medicare’s covered preventive services, visit: https://www.medicare.gov/coverage/preventive-screening-services

Last Updated 6/12/2023