What are my pharmacy options with TRICARE?
Quick Answer
TRICARE offers military pharmacies (lowest cost), home delivery (90-day supply), and retail pharmacies (network and non-network) for prescriptions.
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Key Takeaways
- MTF pharmacy is cheapest
- Home delivery for 90-day supply
- Network retail for urgent needs
- Non-network costs more
Detailed Answer
TRICARE provides multiple ways to get prescription medications.
Military Pharmacy (MTF)
- Lowest cost (usually $0)
- Available at military bases
- Formulary medications
- May have limited hours
TRICARE Pharmacy Home Delivery
- 90-day supply
- Low cost (varies by tier)
- Mail delivery to your home
- Convenient for maintenance meds
- Managed by Express Scripts
Retail Network Pharmacy
- 30-day supply
- Higher cost than MTF/home delivery
- Convenient locations
- For acute/immediate needs
Retail Non-Network
- Highest cost
- You pay upfront
- Submit claim for reimbursement
- Use when necessary
Specialty Pharmacy
- For specialty medications
- Accredo or other specialty pharmacies
- Authorization often required
- May have copay assistance
Related TRICARE Terms
Related Questions
Does TRICARE cover prescriptions?
Yes, TRICARE covers most prescriptions through military pharmacies, network pharmacies, and home delivery.
How much do prescriptions cost with TRICARE?
Prescription costs vary by location: military pharmacies are free, network pharmacies charge $13-$60 copays, and home delivery offers lower costs for 90-day supplies.
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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