An official website of the United States government
A .mil website belongs to an official U.S. Department of Defense organization in the United States.
A lock (lock ) or https:// means you’ve safely connected to the .mil website. Share sensitive information only on official, secure websites.

News | July 27, 2023

Understanding Medicare Part D and TRICARE Pharmacy Coverage

By TRICARE Communications

You may already have TRICARE For Life (TFL). Or perhaps you’re eligible to transition to this coverage soon. Either way, you may have questions about your TRICARE prescription drug coverage. For instance, you may wonder if you need to have Medicare Part D, Medicare’s prescription coverage. You don’t need Medicare Part D to have TFL. That’s because TFL has the same prescription drug coverage as other TRICARE health plans. (This doesn’t include the US Family Health Plan.)
 
“While you’re required to have Medicare Part A and Part B to have TRICARE For Life, as long as you have TFL, you have TRICARE prescription drug coverage,” said Anne Breslin, TRICARE For Life program manager with the Defense Health Agency. “If you have TFL, there’s almost no advantage to signing up for Medicare Part D.”
 
Here are some common questions about pharmacy coverage through TFL and Medicare. Use the answers to help guide you to the best decision for yourself or your family member.
 
Q: Do I have pharmacy coverage when I transition to Medicare and TFL?
A: Yes. As outlined in the TRICARE and Medicare Turning Age 65 Brochure, if you’re eligible for TRICARE and have Medicare Part A and Part B, you’re automatically covered by TFL. And if you have TFL, the TRICARE Pharmacy Program provides your prescription drug coverage. This is creditable drug coverage that pays at least as much as Medicare’s standard prescription drug coverage.
 
Your TRICARE pharmacy coverage will continue seamlessly when you transition to Medicare and TFL from a TRICARE health plan. This is especially helpful if you have maintenance drugs that you take regularly for a chronic condition.
 
Q: When should I consider getting Medicare Part D in addition to my TRICARE pharmacy benefit?
A: Before you sign up for Medicare Part D, compare Medicare prescription drug plans and costs with the TRICARE pharmacy benefit. Keep in mind, the TRICARE Pharmacy Program has no monthly premium. Most people pay a monthly premium for a Medicare Part D plan. Also, take into consideration:
  • Deductibles
  • Copayments
  • Coverage and costs of drugs you already take (costs may vary based on which medications you take)
 
Q: What if I need help paying for Medicare Part D coverage?
A: If you have limited income and resources, you may want to consider Extra Help. Extra Help is a Medicare program to help people pay Medicare drug program costs, like premiums, deductibles, copayments, and coinsurance. Some people automatically qualify for Extra Help. You may automatically qualify if:
  • You have both Medicare and Medicaid
  • You’re in a Medicare Savings Program
  • You get Supplemental Security Income benefits
 
If you don’t automatically qualify for Extra Help, you can apply.
 
Q: How do Medicare Part D and TRICARE Pharmacy Program coverage work together?
A: If you have both Medicare Part D and TFL, Medicare is the primary payer. TRICARE pays last.
 
Q: Where can I fill my prescriptions?
A: If you have Medicare Part D, follow your Medicare prescription drug plan’s rules for getting your prescriptions. If you have TFL and don’t have Medicare Part D, you have the following TRICARE pharmacy options to fill your covered prescriptions:  
Q: Are there resources to help me manage my TRICARE prescriptions?
A: To help manage your prescription drug coverage, you can:  
Express Scripts is the TRICARE pharmacy contractor. If you need help or have questions, call 1-877-363-1303.
 
Q: If I decide to, when can I enroll in Medicare Part D?
A: You can enroll in a Medicare Part D plan during your Medicare Initial Enrollment Period, the Medicare Part D Annual Open Enrollment (Oct. 15–Dec. 7 every year), or during a Medicare Part D Special Enrollment Period. Having TRICARE pharmacy coverage makes you eligible for the special enrollment period. In this case, you won’t pay the late enrollment premium penalty.  
 
For more information about Medicare Part D prescription drug coverage, go to Medicare or call 1-888-633-4227. To learn more about Medicare and your TRICARE benefits, check out Becoming Medicare-Eligible.
 
Would you like the latest TRICARE news sent to you by email? Visit TRICARE Subscriptions, and create your personalized profile to get benefit updates, news, and more.
Father and son hold hands while walking down a street

Unlock Your Health by Understanding the TRICARE ...

News
Aug. 26, 2025

Do you have TRICARE Prime? If so, you likely get most of your routine health care from your primary care...
Read More
Image of woman sitting on sofa on laptop. Text reads: "Participants needed for virtual tricare.mil usability study. Learn if you qualify." TRICARE logo

Share Your Thoughts on Tricare.mil in Upcoming U...

News
Aug. 22, 2025

Are you interested in shaping the future of TRICARE’s web presence? The Defense Health Agency Usability Lab is...
Read More
Smiling woman holds a baby.

How TRICARE Covers Breastfeeding Supplies and Se...

News
Aug. 21, 2025

Are you pregnant or did you recently have a baby? TRICARE covers certain breast pumps and supplies and...
Read More
Medical professional looks at dental x-rays

TRICARE Medical vs. Dental Coverage: Understandi...

News
Aug. 19, 2025

When you need care for your mouth, jaw, or teeth, you may have questions about whether you should use your...
Read More
Man in grey shirt speaks to a doctor

Medicare and TRICARE For Life: Finding Providers

News
Aug. 14, 2025

If you have TRICARE For Life, you’ll get health care from Medicare providers. Here’s what you need to know...
Read More
A hand places white flowers on a stone grave

How a Death in the Family May Affect Your TRICAR...

News
Aug. 12, 2025

When a family member passes away, it can feel overwhelming to deal with paperwork on top of the emotional...
Read More
Female teacher leads a group of young students into school

Get Your Child Ready for the New School Year: A ...

News
Aug. 07, 2025

Getting your child’s health care needs taken care of before school starts helps ensure they’re ready to focus...
Read More
Service member pours pills into a pill counter machine

TRICARE Coverage of Weight Loss Medications: Wha...

News
Aug. 05, 2025

Understanding the difference between TRICARE plans and coverage is key to knowing what to expect when filling...
Read More

Aug. 26, 2025

Unlock Your Health by Understanding the TRICARE Prime Referral Process

Do you have TRICARE Prime? If so, you likely get most of your routine health care from your primary care manager. But sometimes, you may need specialty care that your PCM can’t provide. This is when your PCM will give you a referral. In this article, you’ll learn about the TRICARE Prime referral process. We’ll highlight what’s new—and easier—for you and your family members if you’re moving this year.

Aug. 22, 2025

Share Your Thoughts on Tricare.mil in Upcoming Usability Study

Are you interested in shaping the future of TRICARE’s web presence? The Defense Health Agency Usability Lab is looking for participants for a tricare.mil usability study. The DHA Usability Lab will hold several studies to get feedback on the website.

Aug. 21, 2025

How TRICARE Covers Breastfeeding Supplies and Services

Are you pregnant or did you recently have a baby? TRICARE covers certain breast pumps and supplies and breastfeeding counseling at no cost for new mothers.

Aug. 19, 2025

TRICARE Medical vs. Dental Coverage: Understanding Key Differences

When you need care for your mouth, jaw, or teeth, you may have questions about whether you should use your TRICARE medical or dental plan. Knowing when to use your medical or dental coverage helps avoid unnecessary costs or delays in care.

Aug. 14, 2025

Medicare and TRICARE For Life: Finding Providers

If you have TRICARE For Life, you’ll get health care from Medicare providers. Here’s what you need to know about finding different types of Medicare providers.

Aug. 12, 2025

How a Death in the Family May Affect Your TRICARE Coverage

When a family member passes away, it can feel overwhelming to deal with paperwork on top of the emotional burden. This article provides a few steps you should take in the weeks following your family member’s death. Taking these steps can help ensure your coverage continues without interruption.

Aug. 7, 2025

Get Your Child Ready for the New School Year: A TRICARE Parent’s Guide

Getting your child’s health care needs taken care of before school starts helps ensure they’re ready to focus on learning. TRICARE covers the essential services that parents need to check off their back-to-school list.

Aug. 5, 2025

TRICARE Coverage of Weight Loss Medications: What To Know

Understanding the difference between TRICARE plans and coverage is key to knowing what to expect when filling your prescription. There are different rules about how TRICARE covers these drugs based on your plan.

July 31, 2025

TRICARE Coverage for National Guard and Reserve Members: Know Your Options

Are you or your sponsor in the National Guard or Reserve? Your health coverage changes when activating or deactivating. Here’s what you need to know.

July 29, 2025

Unlock Your Health: Check Your TRICARE Information in DEERS Today

When was the last time you looked to see if your information in the Defense Enrollment Eligibility Reporting System is up to date? If it’s been a while, it’s extremely important to take time and log in to DEERS to review or update your information.