What's Happening?
Tricare has implemented new pharmacy copay adjustments for 2026, affecting military families who fill prescriptions at retail network pharmacies such as CVS, Walgreens, and Walmart. The changes, effective January 1, are part of a schedule set by the fiscal
2018 National Defense Authorization Act. The copays for a 30-day supply at retail pharmacies are now $16 for generic drugs, $48 for brand-name drugs, and $85 for non-formulary drugs. In contrast, home delivery through Express Scripts offers a 90-day supply at lower costs: $14 for generic, $44 for brand-name, and $85 for non-formulary medications. Active-duty service members continue to pay $0 at network retail pharmacies and through home delivery, while other beneficiaries face increased costs.
Why It's Important?
The copay adjustments are significant for military families managing healthcare expenses, as they may lead to higher out-of-pocket costs for those using retail pharmacies. The disparity between retail and home delivery costs highlights the potential savings for beneficiaries who switch to home delivery. This change could encourage more military families to utilize home delivery services, which offer a more economical option for long-term medication needs. The adjustments also underscore the importance of understanding Tricare's formulary and cost-saving strategies, such as opting for generic drugs when available.
What's Next?
Military families may need to reassess their prescription filling strategies to minimize costs. Switching to home delivery or utilizing military pharmacies, which remain free, could be beneficial. Beneficiaries can transfer prescriptions to home delivery through the Express Scripts website or app, or by contacting their healthcare provider. Additionally, staying informed about Tricare's formulary and cost comparisons can help families make informed decisions about their medication options.
