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Prescription Drugs
Special Information For Diabetics

PRESCRIPTION DRUGS

The Comprehensive PPO, Standard PPO, Safety Net PPO and POS options provide coverage through Caremark for medically necessary prescription drugs. "Covered" drugs are those that are necessary for the treatment of a disease or illness and are widely accepted as effective, appropriate and essential - based on the recognized standards of the medical community and as approved by the claims administrator for reimbursement.
In addition, the drug therapy must be prescribed by a licensed physician and must be in accordance with type, frequency and duration-of-treatment guidelines of national medical, research and governmental agencies.

As new drugs become available, the plan administrator decides whether they are considered an eligible expense under the Vought Aircraft medical plan.
The medical plan options allow you to purchase medically necessary prescription drugs from:

Any Caremark participating pharmacy
The Caremark Mail Service Program
Any non-participating pharmacy (covered at 50% of URC charges).

Your prescription drug coverage depends on where you purchase your prescriptions, whether you purchase generic or brand name drugs and whether you file claims electronically or with a paper claim form.

Prescription drug expenses count toward your medical plan option's lifetime maximum but do not count toward your out-of pocket maximum.

Because many chain drug stores are independently owned, some stores on this list may not be participating pharmacies. To be sure, call your drug store in advance and ask if it is a Caremark participating pharmacy. Or, call Caremark directly at 1-800-407-9435 to find the pharmacy closest to you.

Here is a partial list of Caremark participating pharmacies:

A&P
Albertson's
CVS
Drug Emporium
Duane Reade
Eckerd Drugs
Fred Meyer
Genovese
Giant Foods
Kerr Drugs
Kmart
Kroger
Long's
Osco
Pathmark
Payless/Rite-Aid
People's
Revco
Rite-Aid
Sav-on
Schnucks
Shopko
Shop-Rite
Target
Thrifty/Rite-Aid
Walgreens
Wal-Mart

Generic vs. Brand Name Drugs

In general, generic drugs serve the same purpose as brand name drugs. However, you can save money with a generic prescription. The brand name manufacturer paid the costs of research, development and marketing and must recoup these costs through the sales price. Generic equivalents are not available for all brand name drugs.

Retail Prescriptions

You can purchase up to a 30-day supply of prescription drugs at retail pharmacies. To receive the highest benefits available for retail prescriptions, go to a Caremark participating pharmacy

Caremark Participating Pharmacies

Under the Comprehensive PPO, Standard PPO, Safety Net PPO and POS options, when you purchase prescriptions at a Caremark participating pharmacy, your prescriptions are covered at 100% after you pay a copayment. You pay a $5 copayment for generic prescriptions and a $5 copayment for brand name prescriptions that cost the same as generic prescriptions. You pay a $15 copayment for brand name prescriptions when no generic equivalent exists or your state mandates the brand name prescription. When you purchase a brand name prescription and a generic equivalent is available, you pay a $25 copayment even if your physician specifies the brand name drug instead of the generic.

Non-participating Pharmacies

Prescriptions from nonparticipating pharmacies are reimbursed at 5001o, after you pay the benefit plan year prescription deductible. The prescription deductible is $25 per person and $50 per family

When you fill your prescription at a non-participating pharmacy, you pay the entire amount when you purchase your prescription. Then, you can file a claim for reimbursement with Caremark. Claim forms are available from the Vought Benefits Center or you can download forms from http://benefits.voughtaircraft.com.

Mail your completed claim and receipts to the address on the form.

If you are an employee of Vought Aircraft and live outside the United States, you need to submit a prescription drug paper claim form. However, these paper claims are reimbursed as if the prescriptions were purchased at Caremark participating pharmacies and filed electronically, i.e., 100% (less the appropriate copayment of $5, $15, or $25).

Mail Order Prescriptions

The Caremark Mail Service Program provides long-term and maintenance medication at a reasonable price, for eligible participants residing in the United States. Maintenance medications are drugs taken on a regular basis for chronic conditions such as high blood pressure and diabetes. Also, you can purchase birth control pills through the Mail Service Program.

Mail order prescriptions are available on an in-network basis only and there is no deductible. With one copayment, you can purchase up to a 90-day supply of medication. Each mail order prescription may be refilled three times.

Through the Mail Service Program, you pay a $5 copayment for generic prescriptions and a $5 copayment for brand name prescriptions that cost the same as genetic prescriptions. You pay a $15 copayment for brand name prescriptions when no generic equivalent exists or your state mandates the brand name prescription. When you purchase a brand name prescription and a generic equivalent is available, you pay a $25 copayment even if your physician specifies the brand name drug instead of the generic. In some instances, Caremark may contact your physician to request authorization to substitute one prescription drug for another.

Important rules about fertility medications
The medical plan options administered by Blue Cross Blue Shield pay benefits for fertility medications when prescribed to treat an infertility condition. In some cases, your health care provider may prescribe fertility medication for a condition unrelated to fertility. If this is the case, Caremark covers the fertility medication.

SPECIAL INFORMATION FOR DIABETICS

The prescription drug benefit includes a special provision for diabetic kits.
You pay only one copayment for a kit of supplies if:

Your physician lists all of your diabetic supply requirements on one prescription, and
You order all of the supplies at the same time through the Caremark Mail Service Program.

Each time you refill all or part of the kit, you pay another copayment.
The kit includes these supplies:

Insulin
Alcohol wipes
Diagnostic strips
Lancets and syringes.

If you need a glucose monitor, you can order one at no charge by calling Caremark at 1-800-588-4456.