2015 Pharmacy Benefit Summary Book Review this summary booklet to learn how to get the most from your prescription benefit. This includes information about: »» Your prescription drug benefits »» Your formulary and cost share »» Highlights from your health plan »» Ways to save money with Basic and Standard Options Your prescription drug benefit The Blue Cross and Blue Shield Service Benefit Plan works with CVS/caremark to administer your prescription benefit. CVS/caremark is an independent company called a Pharmacy Benefit Manager (PBM). The PBM manages your: »» Retail Pharmacy Program Network »» Mail Service Prescription Drug Program »» Specialty Pharmacy Program General questions If you have any questions about your benefits, please: »» See your Blue Cross and Blue Shield Service Benefit Plan brochure (RI-71-005) »» Visit www.fepblue.org »» Call CVS/caremark Customer Care any time toll-free at 1-800-624-5060 TABLE OF CONTENTS Your Prescription Drug Benefit - 4 Prescription Drug Coverage Prior Approval Specialty Pharmacy Program Health Plan Highlights - 6 Contraceptive Benefit Diabetic Benefit Prescription Benefits Overseas Drugs from Other Sources Ways to Save with Basic Option - 8 Be a smart consumer Partner with your doctor and pharmacist Manage your health and your money with generics Use Preferred brand name drugs Use a Preferred retail pharmacy Your Basic Option Cost Share - 9 Basic Option Pharmacy Providers Facts to know about Basic Option costs Ways to Save with Standard Option - 10 Be a smart consumer Partner with your doctor and pharmacist Manage your health and your money with generics Use Preferred brand name drugs Use Mail Service for long-term prescription drugs If you don’t use Mail Service, use a Preferred retail pharmacy Your Standard Option Cost Share - 13 Standard Option Pharmacy Providers Facts to know about Standard Option costs How to Contact Us - 14 YOUR PRESCRIPTION DRUG BENEFIT Understanding your prescription benefit will save you time and money. Your Basic or Standard Option benefits will cover much of your prescription cost. How tiers relate to costs Generally, the lower the drug tier, the lower the cost. Generic drugs (Tier 1) and Preferred brand name drugs (Tier 2) provide you with high-quality, cost-effective options. Prescription Drug Coverage To quickly check whether your drug is covered: »» Visit www.fepblue.org and click on the Pharmacy link »» Call CVS/caremark Customer Care any time toll-free at 1-800-624-5060 The formulary The formulary is a complete list of your covered prescription drugs. It includes both generic and brand name drugs. The formulary has 5 tiers of drugs. Your cost share The cost of drugs varies. How much you pay is your cost share. Your cost depends on which formulary tier your drug is in. If you are taking a prescription drug and want to know your cost share: »» Visit www.fepblue.org and click on the Pharmacy link How prescription drugs are assigned to tiers The Pharmacy and Medical Policy Committee (PMPC) is an independent group of doctors and pharmacists. This group recommends drugs for each tier based on their: »» Effectiveness »» Safety »» How they compare to other drugs in the same therapeutic class The PMPC meets every quarter to review new drugs and other changes to the formulary. Drugs may change tiers or prior approval status. Read on to learn about prior approval, and check your formulary often to be aware of any changes. Basic and Standard Options TIER DRUG TYPE Tier 1 Generic Drugs. Typically the most affordable, and are equal to their brand name counterparts in quality, performance characteristics and intended use. Tier 2 Preferred Brand Name Drugs. Proven to be safe, effective, and favorably priced compared to Non-preferred brands. 4 Tier 3 Non-preferred Brand Name Drugs. These drugs have either a generic or preferred brand available therefore your cost share will be higher. Tier 4 Preferred Specialty Drugs. Proven to be safe, effective, and favorably priced compared to Non-preferred specialty drugs. Tier 5 Non-preferred Specialty Drugs. These drugs typically have a preferred brand available therefore your cost share will be higher. Prior Approval Some prescription drugs and supplies need approval in advance, or “prior approval” before we provide coverage for them. We need to find out if: »» The drug is related to a service or condition that is covered under the Service Benefit Plan and »» The drug is prescribed in a way that matches generally accepted medical practices Facts to know about prior approval »» In providing prior approval, we may limit the amount of drug you receive. We choose drug quantities (for example, number of pills) based on accepted standards of medical, dental, or psychiatric practice in the United States »» You’ll need to renew your prior approval periodically »» Drugs and supplies on the Prior Approval list may change throughout the year »» Mail Service and Specialty Programs will not fill prescriptions that need prior approval until you receive prior approval »» Preferred retail pharmacies will fill your prescriptions, but you will pay full cost until you get prior approval. File a claim for reimbursement with the Retail Pharmacy Program The prior approval list For a list of drugs that need prior approval or to get a prior approval request form: »» Visit www.fepblue.org and click on the Pharmacy link »» Call CVS/caremark Customer Care any time toll-free at 1-800-624-5060 Specialty Pharmacy Program A specialty prescription drug is used to treat complex health conditions. Specialty drugs are usually high in cost and have one or more of these elements: »» Are injectable »» Are infused »» Are inhaled »» Are products of biotechnology »» Have special requirements for handling, shipping, and storage »» Need specialized patient training and coordination of care Facts to know about specialty drugs »» Specialty drugs in Tier 4 are Preferred »» Specialty drugs in Tier 5 are Non-preferred »» Tiers 4 and 5 both have limits on days’ supply (amount of drug) and where you can get refills 5 HEALTH PLAN HIGHLIGHTS Contraceptive Benefit Basic Option We waive your cost share for generic contraceptives and brand name contraceptives that have no generic equivalent or alternative. This benefit applies when you use a Preferred retail pharmacy. This program covers OTC contraceptive drugs and devices for women in full only when contraceptives meet FDA standards for OTC products. To receive benefits, you must: »» Use a Preferred retail pharmacy »» Present the pharmacist with a prescription from your doctor Diabetic Benefit Standard Option We waive your cost share for generic contraceptives and brand name contraceptives that have no generic equivalent or alternative. This benefit applies when you use: »» A Preferred retail pharmacy »» The Mail Service Prescription Drug Program Basic or Standard Option contraceptives for women covered with zero cost share include: »» Generic contraceptive drugs »» Brand name contraceptive drugs that have no generic equivalent or alternative »» Over-the-counter (OTC) contraceptive drugs and devices, limited to: -- Emergency contraceptive pills -- Female condoms -- Spermicides -- Sponges »» Generic devices: at this time, there are no generic equivalents or alternatives for any of the devices on the market. If generic devices become available, we will include them in this coverage with a zero cost share. Examples of future generic devices are: -- Diaphragms and contraceptive rings -- Injectable contraceptives -- IUDs (intrauterine devices) -- Implantable contraceptives -- Cervical caps -- Oral and transdermal contraceptives 6 Basic Option Members may get insulin and diabetic supplies from a Preferred retail pharmacy. Standard Option Members may get insulin and diabetic supplies from a Preferred or Non-preferred retail pharmacy or the Mail Service Prescription Drug Program. Primary coverage with Medicare Part B You may also receive insulin and diabetic supplies from doctors or other healthcare providers. Get a free blood glucose test meter The Diabetic Meter Program offers members with diabetes an ACCU-CHEK or One Touch glucose meter kit at no cost, once per benefit year. Each kit includes a glucose meter, and a starter supply of test strips and lancets. Members can choose from five (5) different meters offered. Call CVS/caremark toll-free at 1-855-582-2024 weekdays from 11:00 a.m. to 6:00 p.m. Eastern time to request a meter. You can save money by using Preferred test strips. All five meters offered through this program are compatible with our Preferred (Tier 2) test strips. Prescription Benefits Overseas Drugs you buy overseas must be equivalent to drugs that need a prescription in the United States. This is a U.S. federal law. File a claim for covered drugs and supplies you buy from pharmacies outside the United States and Puerto Rico. Use the following address to send both your: »» Completed FEP Retail Prescription Drug Overseas claim form »» Itemized pharmacy receipts or bills Blue Cross and Blue Shield Service Benefit Plan, Retail Pharmacy Program P.O. Box 52057 Phoenix, AZ 85072-2057 Or fax the information to: 001-480-614-7674 We provide translation and conversion services for your overseas claims. To get a claim form for your overseas prescription drug purchases: »» Write to the above address—use this address for any written questions about drugs you buy outside the United States and Puerto Rico »» Visit www.fepblue.org and click on Find a Form »» Call any time toll-free at 1-888-999-9862 Save time with overseas claims by filing online with MyBlue For faster processing and payment, you can also submit overseas pharmacy claims online. It’s easy. Just follow these simple steps: 1. Log in to MyBlue at www.fepblue.org/ myblue 2. Click on the blue Submit an overseas claim box on the right and follow the steps 3. To attach receipts, use these file types: PDF, jpg, tiff, and bmp If you’re new to MyBlue, click on the blue Sign Up box at www.fepblue.org/myblue. Register as a new member on the Get Going with MyBlue page, completing all the fields. Once you’re logged in, follow the steps above. Drugs from Other Sources You may get prescription drugs and supplies from providers other than retail or mail pharmacies, like: »» Your doctor »» Your hospital »» A government health center In these cases, you need to pay for your items and file a claim form for reimbursement: 1. Be sure to get an itemized receipt 2. Then, fill out the FEP Health Benefits claim form 3. Send your form, along with your itemized receipt, to your local Blue Cross and Blue Shield Plan For drugs and supplies you get from these providers, your medical coinsurance amounts apply to covered charges. Check your 2015 Blue Cross and Blue Shield Service Benefit Plan (RI 71-005) for details. These are just a few of your health plan highlights. Your Service Benefit Plan includes so much more. For other programs such as Tobacco Cessation Incentive Program, Breast Pump Program and more, see: »» Your Blue Cross and Blue Shield Service Benefit Plan brochure (RI 71-005) »» The Blue Cross and Blue Shield Service Benefit Plan website at www.fepblue.org 7 WAYS TO SAVE WITH BASIC OPTION 1. Be a smart consumer. Each year, the prescription drug industry spends more than $4 billion to promote its brands. Those costs are passed along to insurance companies, businesses, and you. So choose a drug based on its effectiveness, not its advertising slogan. 2. Partner with your doctor and pharmacist. Your doctor and pharmacist are key members of your healthcare team. They are the experts on health conditions and the prescription drugs used to treat them. Remember to ask questions if you don’t understand something. The more you know about your condition and prescription drugs, the better off you will be. Here are some questions you might ask your doctor or pharmacist: »» Why do I need to take this prescription drug? »» What is the right way to take it? »» How often should I take it? »» Should I take it with food or water? »» Should I avoid other drugs or foods while I’m taking it? »» Is this a generic drug? »» Is there a generic substitute? »» Is there a drug on my formulary that might be right for me? These are just examples of some questions you might ask. Remember, your doctor or pharmacist has probably heard your question before, so don’t be shy to ask. The more you know, the better you’ll feel. 3. Manage your health and your money with generics. The FDA requires that generic drugs are equal in quality to their brand name counterpart. And you almost always pay less for a generic. Ask your doctor to approve generic substitution when possible. 8 4. Use Preferred brand name drugs. Preferred brand name drugs have been proven to be safe, effective, and lower in cost. Your cost share is always lower with a Preferred brand name drug compared to a Non-preferred brand name drug. You may still receive benefits if you choose Non-preferred drugs, but your out-ofpocket costs are greater. 5. Use a Preferred retail pharmacy. Just show your ID card at one of the Preferred retail pharmacies. There are no deductibles to meet. You only pay your cost share for each prescription or refill. It’s that easy. You don’t even have to file a paper claim. There are more than 65,000 Preferred retail pharmacies nationwide. Many national and regional chains are part of the Basic Option network of retail pharmacies. The network also includes most independent pharmacies. It may change from time to time. Using a Preferred retail pharmacy saves you money. If you get your drug from a Non-preferred retail pharmacy, you pay 100% of the prescription cost. To find a Preferred retail pharmacy near you: »» Visit www.fepblue.org and click on the Pharmacy link »» Call CVS/caremark Customer Care any time toll-free at 1-800-624-5060 for the current list of Preferred retail pharmacies YOUR BASIC OPTION COST SHARE Basic Option Pharmacy Providers To receive prescription drug benefits under the Basic Option plan, you need to use: »» A Preferred retail pharmacy »» The Specialty Pharmacy Program (if you use a specialty drug) Facts to know about Basic Option costs »» If you use a Non-preferred retail pharmacy, your cost share is 100%. This means you pay the full cost of the prescription drug »» Basic Option does not include the Mail Service Prescription Drug Program See the following tables for your cost share based on where you fill your prescription drugs. 1. Your Cost Share at a Preferred Retail Pharmacy (Basic Option) TIER PREFERRED RETAIL PHARMACY Tier 1: Generic Drugs -Up - to $10 -You - can get up to a 30-day supply for 1 copayment or a 90-day supply for 3 copayments Tier 2: Preferred Brand Name Drugs -Up - to $45 -You - can get up to a 30-day supply for 1 copayment or a 90-day supply for 3 copayments Tier 3: Non-preferred Brand Name Drugs -50% of the drug price when the price is $110 or greater -$55 - copayment or the drug price when the price is less than $110 -You - can get up to a 30-day supply for 1 copayment or a 90-day supply for 3 copayments 2. Specialty Drugs: Your Cost Share based on Where You Fill Your Prescription (Basic Option) TIER SPECIALTY DRUG PHARMACY PREFERRED RETAIL PHARMACY Tier 4: Preferred Specialty Drugs -Up - to $50 for 30-day supply or $140 for 90-day s upply -You - are limited to a 30-day supply for the first 3 fills of each specialty drug. You can get a 90-day supply after the 3rd fill -Up - to $60 for up to a 30-day supply only -When you buy specialty drugs at a Preferred retail pharmacy, you are limited to one 30-day supply for each prescription. You must get all refills through the Specialty Drug Pharmacy Tier 5: Non-preferred Specialty Drugs -Up - to $70 for 30-day supply or $195 for 90-day s upply -You - are limited to a 30-day supply for the first 3 fills of each specialty drug. You can get a 90-day supply after the 3rd fill -Up - to $80 for up to a 30-day supply only -When you buy specialty drugs at a Preferred retail pharmacy, you are limited to one 30-day supply for each prescription. You must get all refills through the Specialty Drug Pharmacy Be sure to check your Basic Option formulary at www.fepblue.org. Click on the Pharmacy link. 9 WAYS TO SAVE WITH STANDARD OPTION 1. Be a smart consumer. Each year, the prescription drug industry spends more than $4 billion to promote its brands. Those costs are passed along to insurance companies, businesses, and you. So choose a drug based on its effectiveness, not its advertising slogan. 2. Partner with your doctor and pharmacist. Your doctor and pharmacist are key members of your healthcare team. They are the experts on health conditions and the prescription drugs used to treat them. Remember to ask questions if you don’t understand something. The more you know about your condition and prescription drugs, the better off you will be. Here are some questions you might ask your doctor or pharmacist: »» Why do I need to take this prescription drug? »» What is the right way to take it? »» How often should I take it? »» Should I take it with food or water? »» Should I avoid other drugs or foods while I’m taking it? »» Is this a generic drug? »» Is there a generic substitute? »» Is there a drug on my formulary that might be right for me? These are just examples of some questions you might ask. Remember, your doctor or pharmacist has probably heard your question before, so don’t be shy to ask. The more you know, the better you’ll feel. 3. Manage your health and your money with generics. The FDA requires that generic drugs are equal in quality to their brand name counterpart. And you almost always pay less for a generic. Ask your doctor to approve generic substitution when possible. 10 Standard Option Generic Incentive Program (GIP) It pays to make the switch from brand name drugs to generics. We waive your cost share for the first four (4) prescriptions filled (and/or refills ordered) per generic drug each calendar year when: »» You switch from a brand name drug on the GIP list to a generic drug replacement (not from one generic to another generic), and »» You buy both the brand name drug and the corresponding generic drug replacement during the same calendar year 4. Use Preferred brand name drugs. Preferred brand name drugs have been proven to be safe, effective, and lower in cost. Your cost share is always lower with a Preferred brand name drug compared to a Non-preferred brand name drug. You may still receive benefits if you choose Non-preferred brand name drugs. But your out-of-pocket costs are greater. 5. Use Mail Service for long-term prescription drugs. The Mail Service Prescription Drug Program is a convenient and cost-effective way to get your maintenance or long-term drugs. These are drugs you take regularly, and need to take long-term. Examples might include drugs for high blood pressure, arthritis, or other chronic conditions. You can get a 90-day supply (minimum 22-day supply) of long-term drugs for one copayment. Choose to have these drugs sent to your home, office, or a location of your choice with free standard shipping. By using Mail Service, you save time avoiding trips to the pharmacy. How to order new prescriptions through Mail Service »» Online: to order prescription drugs or ask about the status of your order any time,visit www.fepblue.org/myblue to register or log in to your Caremark account. You will be able to manage all of your prescription benefits, find time saving tools and get easy refills »» By phone: have your doctor order your new prescriptions by calling the automated CVS/caremark Customer Care line toll-free at 1-800-262-7890 »» By mail: for each prescription you order, complete a CVS/caremark Mail Service Order Form. To request an order form, please call Customer Care toll-free 1-800-262-7890, or visit www.fepblue.org. Mail the form, your prescription, and your copayment to the address on the form: CVS/caremark P.O. Box 1590 Pittsburgh, PA 15230-9607 How to order refills through Mail Service »» Online: visit www.fepblue.org and click on t he Pharmacy link »» By phone: call toll-free at 1-877-FEP-FILL (1-877-337-3455) »» If you have questions or need more order forms, please visit www.fepblue.org or call Customer Care any time toll-free at 1-800-262-7890. You can also use this number any time if you need a consultation with a pharmacist 6. If you don’t use Mail Service, use a Preferred retail pharmacy. Using a Preferred retail pharmacy saves you money and time. You just show your ID card. There are no deductibles to meet. You pay only your coinsurance under Standard Option for each prescription or refill. It’s that easy. And you don’t have to file a claim. There are more than 65,000 Preferred retail pharmacies nationwide. To find a Preferred retail pharmacy: »» Online: visit www.fepblue.org and click on t he Pharmacy link »» By phone: call CVS/caremark Customer Care any time toll-free at 1-800-624-5060 for the current list of Preferred retail pharmacies. You can call any time to get the list of Preferred retail pharmacies in your area Facts to know about Mail Service »» If the cost of your prescription is less than your copayment, you pay only the cost of your prescription. Mail Service charges you the lesser of the prescription cost or copayment when you place your order »» Please allow up to 2 weeks to get your order in the mail. Please also read the package insert with your order. This insert has full details about your drug and how to take it 11 Non-preferred Retail Pharmacies You may still buy your prescription drugs and supplies from Non-preferred retail pharmacies. To do so: 1. Pay the full price for the prescription 2. Get an itemized receipt from the Nonpreferred retail pharmacy. The receipt should show the name and address of the pharmacy, patient’s name, prescription number, date filled, name of drug or supply, strength, quantity, dosage, and charge for each drug or supply 3. Ask your pharmacist to help you fill out the Pharmacy Information and Prescription Information sections of the Retail Prescription Drug claim form. To get a claim form: -Visit www.fepblue.org and click on Find a Form -Call the Retail Pharmacy Program any time toll-free at 1-800-624-5060 4. Fill in the Member and Patient information and sign the claim form 5. Send the completed claim form and any related pharmacy receipt(s) to: Blue Cross and Blue Shield Service Benefit Plan, Retail Pharmacy Program P.O. Box 52057 Phoenix, AZ 85072-2057 Facts to know about Non-preferred retail pharmacies »» We reimburse you up to 55% of the average wholesale price for covered drugs and supplies purchased at a Non-preferred retail p harmacy »» You’re free to buy your covered drugs and supplies at a Non-preferred retail pharmacy. But you get greater convenience and time savings when you use a Preferred retail pharmacy or the Mail Service Prescription Drug Program 12 »» You can change from a Non-preferred to a Preferred retail pharmacy. Just go into any Preferred retail pharmacy. Tell the pharmacist where your prescription is on file. The pharmacist will contact the Non-preferred retail pharmacy and transfer your prescription Hospital outpatient departments Most hospital outpatient pharmacies are Nonpreferred retail pharmacies. Charges only for prescription drugs and covered supplies If the outpatient hospital bill includes charges only for prescription drugs and covered supplies: 1. We will process the claim through the Retail Pharmacy Program 2. Pay for your items and then file a Retail Pharmacy claim form 3. Include the itemized bill from the hospital with your claim to the Retail Pharmacy Program Charges for prescription drugs and covered supplies as part of medical treatment If the outpatient hospital bill includes charges for drugs or supplies as part of expenses for medical treatment: 1. Your local Blue Cross and Blue Shield Plan will process the claim 2. Most hospitals will file these outpatient charges for you 3. If the hospital does not file the claim for you, fill out a Health Benefits claim form 4. Attach your itemized hospital bill, and send the claim to your local Blue Cross and Blue Shield Plan. For a copy of the claim form, visit www.fepblue.org and click on Find a Form YOUR STANDARD OPTION COST SHARE Standard Option Pharmacy Providers Your cost share depends on where you fill your prescription drugs: 1. Preferred retail pharmacy 2. Non-preferred retail pharmacy 3. Mail Order Pharmacy 4. Specialty Drug Pharmacy (if you use a specialty drug) Facts to know about Standard Option costs »» For Tier 1, Tier 2 and Tier 3 drugs, you can receive up to a 90-day supply from either the Retail or Mail Order Pharmacy Program »» Generic drugs usually have the lowest cost s hare »» Non-preferred brand name drugs usually have the highest cost share See the following tables for your cost share based on where you fill your prescription drugs. 1. Your Cost Share based on Where You Fill Your Prescription (Standard Option) TIER CAREMARK MAIL ORDER PREFERRED RETAIL NON-PREFERRED RETAIL PHARMACY PHARMACY PHARMACY Tier 1: Generic Drugs -Up - to $15 -Members with Medicare Part B: Up to $10 -20% of the plan allowance -Members with Medicare Part B: 15% of plan allowance Tier 2: Preferred Brand Name Drugs Up to $80 30% of the plan allowance Tier 3: Nonpreferred Brand Name Drugs Up to $105 45% of the plan allowance -45% of the average wholesale price plus any difference between the allowance and the billed a mount -If - you use a Non-preferred retail pharmacy, you need to file a paper claim for reimbursement See next page for additional table » 13 2. Specialty Drugs: Your Cost Share based on Where You Fill Your Prescription (Standard Option) PREFERRED OR NON-PREFERRED RETAIL TIER SPECIALTY DRUG PHARMACY PHARMACY Tier 4: Preferred Specialty Drugs -$35 - for up to 30-day supply -$95 - for up to 90-day supply -You - are limited to a 30-day supply for the first 3 fills of each specialty drug. You can get a 90-day supply after the 3rd fill Tier 5: Non-preferred Specialty Drugs -Up - to $55 for 30-day supply -$155 for 90-day supply -You - are limited to a 30-day supply for the first 3 fills of each specialty drug. You can get a 90-day supply after the 3rd fill -30% coinsurance-Up to 30-day supply -When you buy specialty drugs at a Preferred retail pharmacy, you are limited to one 30-day supply for each prescription. You must get all refills through the Specialty Drug Pharmacy Be sure to check your Standard Option formulary at www.fepblue.org. Click on the Pharmacy link. HOW TO CONTACT US Call these numbers for prescription drug information: Retail Pharmacy Program (Standard & Basic Option) Toll-free any time at 1-800-624-5060 Mail Service Prescription Drug Program (Standard Option Only) Toll-free any time at 1-800-262-7890 Specialty Pharmacy Program (Standard & Basic Option) Toll-free at 1-888-346-3731 Monday-Friday: 7 a.m. to 9 p.m. (ET) Saturday/Sunday: 8 a.m. to 6:30 p.m. (ET) 14 Other Benefit or Claims Information Call your local Blue Cross and Blue Shield Plan. The customer service number is on the back of your Service Benefit Plan ID card. This pamphlet gives a summary of your prescription drug benefits. For complete details on your benefits, please refer to the 2015 Blue Cross and Blue Shield Service Benefit Plan brochure (RI 71-005).
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