TRICARE Generics: What You Need to Know About Covered Generic Drugs

When you're on TRICARE generics, generic versions of brand-name drugs covered under TRICARE’s pharmacy benefits. Also known as TRICARE-covered generics, these are the go-to option for millions of military beneficiaries because they work just like brand drugs but cost far less. The Department of Defense doesn’t just allow these drugs—they actively push for them. Over 90% of prescriptions filled through TRICARE are generics, and for good reason: they save the program billions each year while keeping your out-of-pocket costs low.

Not all generics are treated the same under TRICARE. For drugs with a narrow therapeutic index, medications where small changes in dose can cause serious side effects or treatment failure. Also known as NTI drugs, such as seizure medications, thyroid pills, or blood thinners, TRICARE often requires prior authorization before switching from brand to generic. Why? Because even tiny differences in how your body absorbs the drug can matter. Medical societies like the American Academy of Neurology and the American Heart Association back this caution—it’s not about distrust in generics, it’s about safety.

TRICARE’s formulary is built around cost and clinical evidence. That’s why you’ll find prescription assistance programs, drug manufacturer programs that help lower costs for patients with high copays. Also known as patient assistance programs, often tied to brand-name drugs rarely listed as preferred options. If a generic exists, TRICARE will make it your first choice. You might see a few brand-name drugs covered only if no generic is available, or if you’ve tried and failed with the generic version. And if you’re paying full price at the pharmacy? You’re likely missing out. TRICARE’s mail-order system and network pharmacies often price generics at $0–$10 for a 90-day supply.

Some people still worry that generics aren’t as strong, or that switching causes side effects. But the FDA requires generics to match brand drugs in strength, purity, and how fast they work. The difference? No marketing budget, no patent fees, no expensive clinical trials. That’s why a $300 brand-name pill can become a $20 generic. And TRICARE knows it. They don’t just accept generics—they depend on them to keep care affordable for active duty, veterans, and their families.

What you’ll find in the posts below is a clear picture of how TRICARE generics fit into the bigger world of prescription drugs. You’ll learn why some generics are harder to make, how insurance rules affect what you get, and when sticking with a brand might actually be the smarter move. There’s no fluff—just facts on what works, what doesn’t, and what you need to ask your pharmacist or doctor before filling your next prescription.