Make the most of your TRICARE pharmacy benefit in 2026 

By Defense Health Agency       January 2026

To streamline the prescription process, the TRICARE Pharmacy Program helps you get the prescription drugs you need in a safe, easy, and affordable way. Express Scripts administers the TRICARE pharmacy benefit and offers tools to help you manage your prescriptions.

“TRICARE offers several ways to fill your prescriptions,” said Lt Col. Leighcraft Shakes, Deputy Chief, Pharmacy Benefit Integration Branch. “These options give you flexibility and allow you to pick what works best for you.”

Here’s what to expect when using your pharmacy benefit in 2026.

Pharmacy copayments are changing for most TRICARE beneficiaries in 2026.

What you pay depends on: • Your beneficiary category • What drug you need • Which pharmacy option you use.

Pick the best pharmacy option for you TRICARE offers four ways to fill your prescriptions. Each has different costs and benefits. Note that some prescription drugs may not be available at every pharmacy option. Some restrictions may apply when using home delivery or retail pharmacies overseas.

  1. At military pharmacies, you can get up to a 90-day supply of most medications at no cost. Most take prescriptions from both civilian and military providers.
  1. TRICARE Pharmacy Home Delivery is a good option for medications you take regularly. With free shipping and convenient ordering options—online, by phone, or by mail—managing your prescriptions is simple. You’ll receive order updates and refill reminders when you use home delivery. The service can even help renew expired prescriptions. TRICARE Pharmacy Home Delivery ships to any U.S. address. It also ships to U.S. territories, and APO/FPO addresses. You might not be able to use home delivery if you have other health insurance with drug coverage.

If Express Scripts also manages your OHI’s pharmacy home delivery, Express Scripts will coordinate your home delivery benefit.

  1. You can fill prescriptions at TRICARE retail network pharmacies. Use the Find a Pharmacy Tool to find a nearby network pharmacy. Check out Pharmacy Costs to compare what you’ll pay at other pharmacies.
  1. You may also fill prescriptions at TRICARE non-network pharmacies. If you use a non-network pharmacy, you’ll have to pay full price for your drug up front. Then you can file a claim. Reimbursements are subject to applicable deductibles, cost-shares, and copayments.

The free Express Scripts Pharmacy Mobile App helps you manage your prescriptions from your phone. Visit the Apple App Store or Google Play Store to download the free app today. Create an Express Scripts account to get started.

Get help any time by calling our Express Scripts pharmacists who can help answer your questions 24/7. Call 877-363-1303 for help.

Make 2026 the year you get the most from your TRICARE pharmacy benefit. Whether you prefer military pharmacies, home delivery, network pharmacies, or non-network pharmacies, TRICARE offers convenient options tailored to your needs.

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