TRICARE Preventive Care List: 2026 Covered Services | TRICARE.com

TRICARE covers a wide range of preventive health services at no cost to the beneficiary, provided they are received from a network provider. These services are designed to catch health issues early and include annual physicals, immunizations, and cancer screenings.

*Note: TRICARE.com is an independent reference site and is not affiliated with the Department of Defense or the official TRICARE program. For official policy, visit TRICARE.mil.*

## Quick answer Most preventive services, such as annual wellness exams, vaccines, and cancer screenings (mammograms, colonoscopies), are covered with a $0 copay if you see a TRICARE network provider. While Prime plans generally require no out-of-pocket costs for these, Select users may owe a copay if they use out-of-network providers.

Details

### Standard Preventive Services (Covered at 100%) For 2026, TRICARE continues to prioritize "clinical preventive services." If you visit a network provider, you typically pay $0 for: * **Annual Outpatient Wellness Visits:** One per year for beneficiaries ages 6 and older. * **Immunizations:** All CDC-recommended vaccines (e.g., Flu, COVID-19, Tdap, HPV). * **Cancer Screenings:** * **Mammograms:** Annual screenings for women starting at age 40 (or earlier for high-risk). * **Colonoscopies:** Generally covered every 10 years starting at age 45. * **Cervical Cancer:** Pap tests/HPV testing starting at age 21. * **Prostate Cancer:** Annual PSA and DRE tests for men starting at age 50. * **Well-Child Care:** Comprehensive exams for children from birth through age 5.

### Behavioral Health and Specialized Screenings TRICARE also classifies certain mental and metabolic screenings as preventive: * **Depression Screening:** Annually for adults and children ages 12–18. * **Diabetes Screening:** For those with high blood pressure or other risk factors. * **Blood Pressure Screening:** Covered during any routine visit. * **Cholesterol Testing:** Every 5 years (more frequent for high-risk individuals).

### The "Office Visit" Catch While the preventive *test* or *screening* is free, if you discuss a new medical issue or a chronic condition during your preventive exam, the provider may bill for a diagnostic office visit. In this case, you may be responsible for a nominal copay (depending on your 2026 plan enrollment group).

### Regional Contractor Variations While the benefit is national, the network of providers is managed by: * **East Region:** Humana Military. * **West Region:** TriWest Healthcare Alliance (T-5 Contractor). * **Pharmacy:** Express Scripts (for vaccines administered at pharmacies).

## Who this affects * **Active Duty Service Members (ADSMs):** Always $0 out-of-pocket (generally required to use Military Hospitals/Clinics). * **Active Duty Family Members (ADFMs):** $0 out-of-pocket when using network providers on both Prime and Select. * **Retirees and their Families:** $0 out-of-pocket for network preventive care; cost-shares apply for out-of-network care under TRICARE Select. * **National Guard and Reserve:** Beneficiaries on TRICARE Reserve Select (TRS) follow the same preventive rules as ADFMs.

## Sources 1. **TRICARE.mil:** [Preventive Services Overview](https://www.tricare.mil/CoveredServices/IsItCovered/PreventiveServices) 2. **TriWest Healthcare Alliance:** [West Region Provider Network](https://www.triwest.com) 3. **Humana Military:** [East Region Preventive Care Policy](https://www.humanamilitary.com) 4. **CDC:** [ACIP Vaccine Recommendations](https://www.cdc.gov/vaccines/hcp/acip-recs/index.html)