Independent guide
TRICARE Formulary and 2026 Pharmacy Costs
Use the official formulary tool to check a drug's category, coverage rules, and current pharmacy cost.
Last reviewed September 16, 2026 ยท Confirm time-sensitive details with the official program.
Check the drug, category, and pharmacy
The official TRICARE Formulary Search Tool is the place to check whether a drug is formulary generic, formulary brand-name, non-formulary, or not covered. The category and the pharmacy option affect the price, and some drugs have special requirements.
For most beneficiaries in 2026 and 2027, the published copays are:
| Pharmacy option | Generic formulary | Brand-name formulary | Non-formulary |
|---|---|---|---|
| Military pharmacy, up to 90 days | $0 | $0 | Generally unavailable without medical necessity |
| Home delivery, up to 90 days | $14 | $44 | $85 |
| Retail network pharmacy, up to 30 days | $16 | $48 | $85 |
These figures do not apply uniformly to everyone. Active duty service members have no cost for covered drugs through military pharmacies, home delivery, or retail network pharmacies. Certain survivors, medically retired sponsors and families, TRICARE Prime Remote families, overseas users, and non-network pharmacy users can have different rules or amounts.
Next steps
- Use the official covered-services page to open the Formulary Search Tool.
- Check the exact drug and strength.
- Review any prior authorization, medical necessity, quantity-limit, or pharmacy-location rule shown by the official tool.
- Confirm the current amount with Express Scripts before filling an expensive prescription.
TRICARE.com does not recommend medications or collect prescription information.