TRICARE provides health coverage to active duty service members, retirees, and their families. The TRICARE formulary is managed by Express Scripts and includes three tiers of drug coverage. Military treatment facility (MTF) pharmacies offer the lowest cost ($0 copay), while retail and mail-order options are also available with varying copays.

Key Facts

TRICARE uses a 3-tier formulary: Generic ($14 copay at retail), Brand Formulary ($36 at retail), and Non-Formulary ($68 at retail)
Prescriptions filled at military treatment facility (MTF) pharmacies are $0 for all tiers
TRICARE Home Delivery (mail order through Express Scripts) copays are $12 generic, $34 brand, $68 non-formulary for 90 days
The Benefit Coverage Authority Committee (BCAC) reviews and updates the formulary quarterly
Active duty service members pay $0 for all prescriptions regardless of tier or pharmacy
TRICARE covers most FDA-approved medications, with prior authorization for select drugs

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ACA marketplace enrollment runs November 1 to January 15. Medicare Annual Enrollment is October 15 to December 7. Compare formularies for your medications before choosing a plan.

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Coverage varies by plan. Use our formulary checker tool to look up your exact copay and restrictions.

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Frequently Asked Questions

How do I check if my drug is on the TRICARE formulary?

Visit the Express Scripts website for TRICARE (express-scripts.com/TRICARE) and use the formulary search tool. You can also call Express Scripts at 1-877-363-1303. The TRICARE formulary search shows tier placement, copay, and any restrictions for each medication.

What is the cheapest way to fill prescriptions with TRICARE?

The cheapest option is always the military treatment facility (MTF) pharmacy, where all prescriptions are $0. The next cheapest is TRICARE Home Delivery (mail order). Retail pharmacies have the highest copays. For maintenance medications, home delivery for 90-day supplies offers the best value outside of MTFs.

Does TRICARE cover weight loss medications?

TRICARE's coverage of weight loss medications varies. FDA-approved anti-obesity medications may be covered with prior authorization and documentation of medical necessity. Coverage policies are reviewed by the BCAC. Check with Express Scripts for current coverage of specific weight loss drugs.

Related Resources

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