Topic

MSB Employee Benefit: Pharmacy Coverage

Prescription Drug Benefit is administered by CVS Caremark.

How to Use Your Benefits

• Present your insurance card at the pharmacy.

• Use in-network pharmacies for the best prices.

• Consider mail-order for 90-day supplies (if available).

• Choose generics when possible—they cost less and work the same.

Formulary (Drug List)

Check the formulary to see if your medication is covered. A formulary is a summary of which medications are covered, which are not and which medications can be used in place of non-covered medications.

• CVS Drug Formulary

Note: Not all drugs on the list are covered for all diagnoses. Coverage depends on your condition and treatment plan.

Prior Authorization & Step Therapy

Some drugs may require:

• Prior authorization (approval before filling)

• Step therapy (trying a lower-cost drug first)

• Quantity limits

Your doctor can help submit these requests.

Need Help?

• Pharmacy Benefit Manager (PBM): call 1-866-818-6911 or visit www.caremark.com.

• HR/Benefits Team: Nicole Kantrowitz, Healthcare Concierge (907) 861-8503