TRICARE Pharmacy Program

TRICARE Pharmacy Costs

TRICARE provides a world-class pharmacy benefit to all eligible Uniformed Services members, retirees, and their families. Eligible beneficiaries may fill prescription medications at military treatment facility pharmacies; through the TRICARE Pharmacy Home Delivery option; at TRICARE retail network pharmacies; and at non-network pharmacies. TRICARE has a mandatory generic drug policy, which has been in place for more than 10 years, requiring that prescriptions be filled with a generic product if one is available. As with most prescription drug plans, beneficiaries enjoy a significant cost savings by asking their doctors to prescribe the generic equivalent of a brand-name drug.

How to Fill Prescriptions

TRICARE offers several convenient ways for you to have prescriptions filled depending on your family's specific needs.  You can have prescriptions filled at any of these pharmacies, based on your specific situation, and you can use more than one option at a time.

While each option is available worldwide, some may be limited outside of the United States.

  • Military Pharmacy: Least expensive option with no out-of-pocket costs
  • TRICARE Pharmacy Home Delivery: Safe, convenient and the most cost-effective option when a military pharmacy is not available
  • TRICARE Network Pharmacy: Fast and convenient...more than 60,000 network pharmacies in the United States and U.S. Territories
  • Non-Network Pharmacy: Most expensive option

You do not need to file pharmacy claims if you have prescriptions filled at a military pharmacy, through TRICARE Pharmacy Home Delivery, or at a TRICARE retail network pharmacy. However, if you fill a prescription at a non-network pharmacy in the United States or U.S. territories, you must pay the full price of your prescription and file a claim with TRICARE for reimbursement.

Military Pharmacy

A military pharmacy is the least expensive option for filling prescriptions. At a military pharmacy, you may receive up to a 90-day supply of most medications at no cost. Most military pharmacies accept prescriptions written by both civilian and military providers. Non-formulary medications generally are not available at military pharmacies. To check the availability of a particular drug, contact the nearest military pharmacy in person or by phone.

TRICARE Pharmacy Home Delivery

TRICARE Pharmacy Home Delivery is your least expensive option when not using a military pharmacy. There is no cost for TRICARE Pharmacy Home Delivery for active duty service members. For all other beneficiaries, there is no cost to receive up to a 90-day supply of generic medications. Copayments apply for brand-name and non-formulary medications (up to a 90-day supply). Home delivery is best suited for maintenance medications you take on a regular basis. Prescriptions are delivered to you with free standard shipping, and refills can be ordered easily online, by phone, or by mail. Home delivery also provides you with convenient notifications about your order status, refill reminders, and assistance in renewing expired prescriptions.

TRICARE Pharmacy Home Delivery is only available overseas if you have an APO/FPO address or are assigned to a U.S. Embassy or State Department. You must have a prescription written by a U.S. licensed provider. Refrigerated medications cannot be shipped to APO/FPO addresses. Beneficiaries residing in Germany cannot use the home delivery option due to country-specific legal restrictions. In the Philippines, you are required to use TRICARE certified pharmacy providers.

TRICARE Retail Pharmacy Network

Another option for filling your prescriptions is through a TRICARE retail network pharmacy. You may fill prescriptions and pay one copayment for each 30-day supply when you present your written prescription along with your uniformed services identification card to the pharmacist. This option allows you to fill your prescriptions at network pharmacies without having to submit a claim. You have access to a network of more than 57,000 retail pharmacies in the United States and the U.S. territories of Guam, the Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands. Currently, there are no TRICARE retail network pharmacies in American Samoa.

Non-Network Pharmacies

A "non-network pharmacy" is a retail pharmacy that is not part of the TRICARE network. Filling prescriptions at non-network pharmacies is the most expensive option and is not recommended. Beneficiaries may have to pay for the total amount first and file a claim to receive a partial reimbursement.

 

TRICARE Pharmacy Copayments In the U.S.
(Including Puerto Rico, Guam, Virgin Islands)
Place of Service Generic
(Tier 1)
Brand Name
(Tier 2)
Non-formulary*
(Tier 3)
Military Treatment Facility (MTF) Pharmacy $0 $0 Not Available

TRICARE Pharmacy Home Delivery
(up to a 90-day supply)

$0 $16 $46
TRICARE Retail network pharmacy
(up to a 30-day supply)
$8 $20 $47**

Non-network Retail Pharmacy
(up to a 30-day supply)***

 

TRICARE Prime options: 50% copyament applies after annual deductible is met.

All other beneficiaries: $20 or 20% of the total cost, whichever is greater after annual deductible is met.

TRICARE Prime options: 50% copyament applies after annual deductible is met.

All other beneficiaries: $47 or 20% of the total cost, whichever is greater after annual deductible is met.

*Approval is required for active duty service members. Non-formulary drugs may be obtained free of charge by active duty service members is medically necessary. All others will pay copays listed above. 

**Some non-formulary drugs are only covered through home delivery.

***To have a 90 day supply of a prescription filled, pay the copayment fee for each 30 day supply.

Smoking Cessation Medications

TRICARE covers prescription and over-the-counter medications to help you quit smoking. Covered smoking-cessation medications are available at no cost through TRICARE Pharmacy Home Delivery and at military pharmacies. Smoking-cessation medications are not covered when purchased at retail pharmacies. Visit www.tricare.mil/quittobacco for more information to help you quit.

Overseas Pharmacy Benefits

Overseas, you may fill prescriptions at military pharmacies. Otherwise, you will need to fill prescriptions at host nation pharmacies by paying the full cost up front and filing a claim with the TRICARE Overseas Program claims processor for reimbursement. You must submit proof of payment with all overseas pharmacy claims.

Tricare For Life

If you are eligible for TRICARE and have Medicare Part A and Medicare Part B, you are automatically covered by TRICARE For Life. All TRICARE beneficiaries, including those covered by TFL, are eligible to use the pharmacy benefit. There is usually little or no benefit to purchasing a Medicare prescription drug plan if you have TRICARE. As long as you remain TRICARE-eligible, you do not need Medicare Part D. See our TRICARE For Life page for more information.

TRICARE For Life Pharmacy Pilot

The TRICARE For Life Pharmacy Pilot requires beneficiaries living in the United States and U.S. territories who use select maintenance medications to fill those prescriptions using TRICARE Pharmacy Home Delivery or a military pharmacy. See our TRICARE For Life Pharmacy Pilot page for more information.

For More Information

For more information about the TRICARE Pharmacy program including what drugs are covered, which pharmacies are in the TRICARE network, how to sign up for mail delivery, and how to file claims visit the TRICARE Pharmacy Program website.

Related Topics

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