Having a Baby in 2025? Here’s How TRICARE Covers Maternity Services.

Are you expecting a baby in 2025? TRICARE covers many services to help you through pregnancy, childbirth, and after  your baby is born.

Prenatal and postpartum care helps keep both you and your baby healthy by catching any problems  early—and, recent updates to the Childbirth and Breastfeeding Support Demonstration now bring more support options  to families worldwide.  

Coverage for maternity care and childbirth 

As detailed in the TRICARE Maternity Care Brochure, TRICARE covers: 

• Obstetric visits during pregnancy 
• Ultrasounds 
• Prenatal and postpartum physical therapy and pelvic floor therapy 
• Prenatal carrier screening 
• Management of high-risk pregnancies 
• Hospital care during and after birth 
• Deliveries at TRICARE-certified and authorized birthing centers or deliveries planned at home (in the U.S.) • Breastfeeding support and breast pumps 
• Anesthesia for pain management during labor and delivery 
• Caesarean sections 

Your costs depend on your TRICARE plan. Active-duty service members and their family members with TRICARE  Prime have no costs for maternity services. 

Coverage for your baby 

Your baby gets their own TRICARE coverage after birth. But you need to take action to ensure continuous coverage: • Register your baby in the Defense Enrollment Eligibility Reporting System within 90 days in the U.S. or 120  days overseas. 

• To register in DEERS, the sponsor must go to a Uniformed Services ID card office. Bring your baby’s official  birth certificate or FS-240 Consular Report of Birth Abroad. 
• If you miss the registration deadline, your baby will only be able to use military pharmacy services and get care  at military hospitals and clinics if space is available. 
• After registering in DEERS, coverage works differently based on sponsor status: 

Children of ADSMs are automatically enrolled in TRICARE Prime (if they live in a Prime Service  Area in the U.S.) or TRICARE Select. Overseas, children are enrolled to TRICARE Select Overseas. 

You have 90 days from the date of DEERS registration to change your child’s enrollment to  TRICARE Prime Overseas or TRICARE Prime Remote Overseas (if available and command sponsored).

You can change your child’s plan within 90 days of DEERS registration. 

 Children of retirees aren’t automatically enrolled. You must submit enrollment forms to your regional  contractor. 

Children of TRICARE Reserve Select or TRICARE Retired Reserve enrollees aren’t automatically  enrolled. You must submit enrollment forms to your regional contractor. 

To check your child’s enrollment, visit milConnect within 90 days of birth. 

Childbirth is also a Qualifying Life Event. This means you have 90 days to switch your family’s TRICARE health plan, if  you want to make a change.

All family members, except the active-duty member, are eligible to change their health plan  after a QLE.

*For more from TRICARE, check out their homepage. You can also catch them on our MM BLOG.