How To Find TRICARE Approved Pharmacy | 2026 Guide | TRICARE.com

*TRICARE.com is an independent reference site and is not an official government platform. For official policy and the most current enrollment data, visit TRICARE.mil.*

## Quick answer To find a TRICARE-approved pharmacy, use the **Express Scripts Pharmacy Locator** tool online or via the Express Scripts mobile app. You can search by zip code to find one of the 56,000+ retail pharmacies in the TRICARE network, including major chains like CVS, Walgreens, and Rite Aid, as well as many independent local pharmacies.

Details

TRICARE pharmacies are managed by **Express Scripts (ESI)**. Finding an approved location depends on whether you are looking for a military pharmacy, a retail network pharmacy, or using home delivery.

### 1. Using the Express Scripts Locator The fastest way to find a retail pharmacy is through the [Express Scripts Pharmacy Locator](https://www.express-scripts.com/tricare). * **Retail Network:** Most large chains (CVS, Walgreens, Rite Aid, Kroger, Safeway, etc.) are in-network. Walmart and Sam's Club rejoined the network in recent years. * **Search Filters:** You can filter by pharmacies that offer 90-day supplies or specialty medications.

### 2. Military Treatment Facility (MTF) Pharmacies Military pharmacies are located inside military hospitals and clinics. These are the most cost-effective option because they have **$0 copays** for all beneficiaries. You can locate these using the [TRICARE MTF Locator](https://tricare.mil/mtf).

### 3. Retail Network Costs (2026 Rates) If you use a retail pharmacy instead of a military pharmacy, you will likely owe a copay. Under the 2026 TRICARE pharmacy benefit: * **Generic (30-day):** $17 * **Brand Name (30-day):** $41 * **Non-network:** Generally, you pay the full price up front and file a claim for partial reimbursement (subject to deductibles).

*Note: Active Duty Service Members (ADSMs) have $0 copays at retail network pharmacies, provided they have a valid prescription and it is for a covered drug.*

### 4. TRICARE Home Delivery For maintenance medications (drugs you take regularly for chronic conditions), you can use Express Scripts Home Delivery. This is often cheaper than retail and delivers a 90-day supply to your door. In 2026, the home delivery copay is $13 for generics and $35 for brand-name drugs.

### 5. Specialty Pharmacies Accredo is the primary specialty pharmacy for the TRICARE program. If you require complex "specialty" drugs (e.g., for MS, Rheumatoid Arthritis, or Oncology), you will likely be directed to Accredo rather than a standard retail pharmacy.

## Who this affects The pharmacy benefit and the search for approved pharmacies applies to: * **Active Duty Service Members (ADSMs)** and their families. * **Retirees** and their families (including those on TRICARE For Life). * **Guard and Reserve members** on active duty or enrolled in TRICARE Reserve Select. * **Survivors** and Medal of Honor recipients.

## Sources * **TRICARE.mil Pharmacy Overview:** [https://tricare.mil/pharmacy](https://tricare.mil/pharmacy) * **Express Scripts TRICARE Portal:** [https://www.express-scripts.com/tricare](https://www.express-scripts.com/tricare) * **Defense Health Agency (DHA):** [https://health.mil](https://health.mil) * **TriWest Healthcare Alliance (West Region):** [https://www.triwest.com](https://www.triwest.com)