What Insurance Does Costco Pharmacy Accept? Medicaid? etc

Costco Pharmacy sign inside a Costco store

Short Answer — Costco Pharmacy locations accept most insurance plans except Medicaid. However, insurance plans accepted at Costco vary by region; it generally accepts the most common insurance plans in each area.

What Insurance Does Costco Pharmacy Accept?

The insurance plans accepted at each Costco Pharmacy vary by region. Insurance plans are typically regional, and Costco generally accepts the most common insurance plans in any given region.[1]

We contacted Costco Pharmacy locations in various states, including Arizona, Florida, Ohio, and New York. Pharmacy technicians confirmed that Costco accepts most major insurance plans, with the exception of Medicaid.

When we asked Costco’s customer service department for a list of accepted insurance plans, we were told that Costco cannot solicit its contracted insurance companies.

The only way to know if your local Costco Pharmacy accepts a particular insurance plan is to contact your nearest Costco Pharmacy directly.[1]

Costco Pharmacy locations offer prescription drug services and seasonal care like flu vaccines.

Prescription Savings at Costco

If you’re a Costco member and don’t have insurance or Costco doesn’t take your insurance, you can still make the most of the services at Costco Pharmacy with the prescription discount program.

The prescription program is available to Costco members and their dependents. Dependents are those under age 18 who are legally dependent on the member.[2]

Pets also count as dependents in Costco’s program, so you can even get discounts on prescribed medicine for your pets![2]

Note that you can’t combine Costco’s prescription program discounts with state- or federally-funded insurance programs, such as Medicare or Medicaid. You’ll need to choose between using the prescription discount and using your insurance for individual prescription orders.[3]

There is no fee to enroll in the member prescription program if you’re an existing Costco Warehouse member.[3]

If you’re not a current Costco member, then you would need to purchase a membership before enrolling in the prescription program.

Costco’s member prescription program is not insurance and does not pay for or reimburse the cost of medication. Full payment is required at the time your prescription is picked up.[3]



    I am a Costco member and just ordered two pair of glasses. I was wondering if Medicare will pay a portion of this bill?

    • First Quarter Finance logo
      First Quarter Finance | Lindsey Desmet

      Hello, Maureen! As noted in our article on Costco Optical’s insurance policies, insurance acceptance varies by location. It will also depend on which eye care services are included in your particular plan. The best way to find out whether your plan will cover a portion of your purchase is to contact your insurance provider or call your local Costco Optical. Best of luck with your purchase!

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