What Does Tricare Reserve Select Cover for Pregnancy?

by | Tricare | 1 comment

Navigating pregnancy can feel overwhelming, especially when trying to understand your health care coverage. If you’re a member of the National Guard or Reserve, you might be wondering how TRICARE Reserve Select supports you during this pivotal time. You’re not alone. This plan, designed specifically for service members and their families, offers comprehensive coverage, but the specifics can sometimes be a bit of a maze.

From prenatal visits to postpartum care, TRICARE Reserve Select provides a range of benefits to ensure you and your baby receive the care you need. Understanding these benefits can help you make informed decisions about your pregnancy journey. Let’s dive into what TRICARE Reserve Select covers for pregnancy, demystifying the process so you can focus on what’s truly important—preparing for your new arrival.

Understanding Tricare Reserve Select

Tricare Reserve Select (TRS) provides comprehensive healthcare coverage for members of the National Guard or Reserve when they are not activated. Offering benefits similar to those available under Tricare Standard and Extra, TRS ensures that you and your dependents have access to necessary healthcare services. If you’re expecting, or planning to start a family, understanding what TRS covers for pregnancy is crucial.

Firstly, TRS covers prenatal care, an essential service for the health of both mother and baby during pregnancy. This includes doctor’s visits, lab tests, and ultrasounds to monitor the development of the fetus. Ensuring regular check-ups can help detect potential complications early, allowing for timely intervention.

Secondly, TRS covers childbirth and delivery services, whether the birth takes place in a hospital, a birthing center, or at home. This coverage includes both vaginal and cesarean deliveries, providing flexibility in choosing a birth plan that’s right for you. However, it’s important to note that pre-authorization may be required for home births or birthing center deliveries.

Postpartum care is also covered under TRS, focusing on the health of the mother after the birth. This includes follow-up visits, breast pumps, and counseling for postpartum depression, ensuring comprehensive support during the postnatal period.

Additionally, newborn care is covered from the moment of birth, ensuring your child receives all necessary screenings, vaccinations, and well-baby visits. This early care is vital for addressing any health issues promptly and establishing a foundation for lifelong wellness.

Understanding these coverage aspects of TRS for pregnancy allows you to navigate your prenatal to postpartum journey with confidence, knowing what services are available to you. Always ensure to check with TRS for the most current coverage details, as policies can change.

Pregnancy Coverage Under Tricare Reserve Select

Navigating pregnancy with Tricare Reserve Select (TRS) ensures comprehensive healthcare coverage for National Guard or Reserve members. This section breaks down the specifics of what TRS covers during pregnancy, from prenatal phases through postpartum care, empowering you with knowledge to manage your healthcare journey.

  1. Prenatal Care: TRS covers routine check-ups and prenatal tests essential for monitoring the health of both the expectant mother and the developing baby. Services include ultrasounds, blood tests, and gestational diabetes screenings.
  2. Maternity Care: Emphasizing the importance of a healthy delivery, TRS covers maternity care, which encompasses labor and delivery in a hospital setting, birth centers, and home births under certain conditions. Coverage includes both vaginal and cesarean deliveries.
  3. Postpartum Care: The benefits extend to postpartum care up to six weeks after delivery, covering physical assessments, birth recovery, and any complications arising post-delivery. This ensures both the mother and baby’s health post-birth.
  4. Breastfeeding Support: Recognizing the benefits of breastfeeding, TRS covers lactation consultation and breast pumps. It aims to support new mothers in their breastfeeding journey, providing necessary tools and guidance.
  5. Newborn Care: Newborn care under TRS includes initial screenings, vaccinations, and well-baby visits. The coverage begins immediately after birth, addressing critical early needs of newborns.
  6. Specialized Services: In cases of high-risk pregnancies, TRS covers specialized services including but not limited to, genetic counseling and in utero procedures. These services are vital for anticipating and managing potential complications.
  7. Mental Health Services: Addressing the emotional and psychological well-being, TRS covers counseling and therapy for postpartum depression and anxiety, acknowledging the importance of mental health during and post-pregnancy.

Staying well-informed about your TRS coverage allows you to approach your pregnancy with assurance, knowing you and your baby have access to a wide range of medical services. Always check for the most current coverage details by consulting with TRS representatives, as policies may update.

Additional Benefits and Services

After understanding the primary coverage TRICARE Reserve Select (TRS) offers for pregnancy, you might wonder about extra benefits and services available. TRS extends beyond the basics to ensure comprehensive care during and after your pregnancy. These additional features play a crucial role in enhancing your overall pregnancy experience, offering support in areas beyond basic medical care.

Counseling Services: Besides counseling for postpartum depression, TRS offers general counseling services. If pregnancy or the postpartum period becomes emotionally challenging, access to certified counselors is available without a referral for the first eight sessions.

Breast Pump Supplies: TRS covers the cost of one breast pump per birth event. This includes manual or standard electric breast pumps, alongside necessary supplies like storage bags, making it easier for you to manage breastfeeding.

Prescription Medications: Pregnancy often requires special medications, whether vitamins, supplements, or prescription drugs for pregnancy-specific conditions. TRS covers most prescriptions, ensuring you get necessary medications without additional financial stress.

Vaccinations: To protect you and your baby, TRS covers vaccinations recommended during pregnancy. These vaccines are crucial for preventing potential infections and diseases, maintaining both maternal and newborn health.

Health and Wellness Programs: TRS participants have access to various health and wellness programs designed to support you during pregnancy. These programs include nutritional counseling, fitness advice specifically tailored for pregnant members, and stress reduction techniques.

Newborn Care Coverage: Newborns are covered automatically under the mother’s TRS for the first 120 days post-birth. This includes pediatric care, vaccinations, screenings, and any necessary treatments or surgeries, providing a safety net during the critical first months.

Utilizing these additional benefits and services can significantly enhance your healthcare experience. Remember, staying informed and taking advantage of all available resources can make your pregnancy journey smoother and more supported. Consult with TRICARE representatives to ensure you fully understand and use these benefits as policies may evolve.

Limitations and Exclusions

Understanding TRICARE Reserve Select’s (TRS) limitations and exclusions in pregnancy coverage is crucial for managing your expectations and planning accordingly. While TRS provides a robust package for prenatal, labor, and postpartum care, certain restrictions apply, ensuring you remain informed and prepared.

  1. Cosmetic Procedures: TRS does not cover cosmetic procedures that don’t medically necessitate pregnancy or childbirth. Elective surgeries to alter appearance, unrelated to pregnancy complications, fall outside the coverage scope.
  2. Private Nursing Care: Though TRS supports inpatient stays post-delivery, it excludes private room charges unless medically necessary, and private nursing care.
  3. Over-the-Counter Medications: Even though TRS covers prescription medications relevant to pregnancy and postpartum care, over-the-counter drugs, despite being recommended by healthcare providers, are not covered. Exceptions include prenatal vitamins, which are covered under certain conditions.
  4. Experimental Treatments: Any treatment or procedure considered experimental or investigational is not eligible for coverage. This includes certain infertility treatments or innovative prenatal screening tests not widely accepted in the medical community.
  5. Non-Authorized Providers: Receiving care from providers not authorized or recognized by TRS can lead to denials in coverage. Ensure providers are within the TRS network to guarantee coverage.

By familiarizing yourself with these limitations and exclusions, you can navigate TRICARE Reserve Select’s pregnancy coverage more effectively. Always consult with TRS representatives for the latest coverage details and restrictions, optimizing your benefits throughout your pregnancy journey. Staying proactive in understanding the scope of your coverage helps in avoiding unexpected expenses and ensuring a smooth, supportive pregnancy care experience with TRICARE Reserve Select.

How to Maximize Your Benefits

Navigating TRICARE Reserve Select (TRS) during pregnancy involves not just understanding what’s covered but also how to make the most out of those benefits. Following an in-depth discussion about TRS’s coverage, let’s delve into strategies to maximize your benefits throughout your pregnancy.

  • Verify Provider Authorization: Ensure your healthcare provider is TRICARE-authorized. Using authorized providers guarantees that the services you receive are covered under TRS. You can verify provider status through the official TRICARE website or by contacting TRICARE support directly.
  • Pre-approval for Services: For certain services and procedures, pre-approval might be necessary. Obtain this to avoid unexpected out-of-pocket expenses. This step is crucial for special screenings or treatments not standard for every pregnancy.
  • Understand Your Plan: Familiarize yourself with the specifics of TRS’s pregnancy coverage. Knowing details like co-pays, deductibles, and out-of-pocket maximums can help you plan financially for the arrival of your newborn.
  • Take Advantage of Prenatal and Postnatal Benefits: Maximize prenatal vitamins, counseling sessions, and breast pump supplies coverage. These benefits are designed to support your health and your baby’s development, so make sure to use them fully.
  • Utilize Case Management Services: If you or your baby require special medical attention, TRS offers case management services. These coordinators can help navigate complex healthcare systems and ensure you receive the best care possible.
  • Keep Good Records: Maintain detailed records of all medical appointments, prescriptions, and communications with TRS. This documentation can be invaluable if there are discrepancies or disputes regarding coverage.

By implementing these strategies, you can optimize your TRICARE Reserve Select benefits, ensuring a smoother, more financially manageable pregnancy journey. Remember, early and frequent communication with TRICARE representatives can provide further personalized guidance and help clarify any uncertainties about your pregnancy coverage.


Navigating your pregnancy with TRICARE Reserve Select can be a seamless experience when you’re armed with the right knowledge. By understanding the coverage limits and actively engaging with the strategies outlined, you’re setting yourself up for a well-supported journey. Remember, the key to maximizing your benefits lies in staying informed, verifying provider credentials, and maintaining open lines of communication with TRICARE. With these steps, you’ll not only enjoy comprehensive prenatal and postnatal care but also manage your pregnancy with financial ease and confidence.



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