How do Guard and Reserve members get prescriptions?
Quick Answer
TRS-enrolled members use TRICARE pharmacy benefits. When activated, use MTF pharmacy or home delivery. Without TRS, civilian pharmacy is needed.
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Key Takeaways
- Need TRS for pharmacy benefit
- Activated = full pharmacy
- Drill only = no coverage
- Home delivery best value
Detailed Answer
Prescription options depend on your status.
When Activated
- MTF pharmacy: $0
- Home delivery: Low copay
- Network retail: Standard copays
- Same as active duty
With TRS Enrollment
- Military pharmacy (space-A)
- Home delivery available
- Network retail pharmacies
- TRICARE formulary applies
During Drill Only
- No TRICARE pharmacy benefit
- Civilian pharmacy needed
- Or TRS enrollment
- LOD injuries may have coverage
Home Delivery
- Express Scripts
- Ships to home
- 90-day supply
- Best value
Tips
- Enroll in TRS for benefits
- Use military pharmacy on base
- Home delivery saves money
- Keep supply during transitions
Related TRICARE Terms
Related Questions
What are my pharmacy options with TRICARE?
TRICARE offers military pharmacies (lowest cost), home delivery (90-day supply), and retail pharmacies (network and non-network) for prescriptions.
What is TRICARE Reserve Select (TRS)?
TRS is a premium-based health plan for Selected Reserve members and families when not on active duty, providing comprehensive coverage similar to TRICARE Select.
What do most military families add to their TRICARE coverage?
Supplemental health insurance is the most common addition — it covers dental, vision, and out-of-pocket costs that TRICARE leaves uncovered. Life insurance and a legal will are also highly recommended.
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