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| Prescription Drugs | |||||||||||||||||||||||||||||||||||||||||||||||||||
| Farm Credit Foundations prescription drug coverage is administered by CVS/Caremark. The cost of your medication will vary depending on your medical plan election and the type of medication prescribed. | |||||||||||||||||||||||||||||||||||||||||||||||||||
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| Note: When a Generic Drug is available, but the Pharmacy dispenses the Brand Name Drug for any reason other that that the Physician indicated "dispense as written," you will pay the Brand Name Copayment (Non-Preferred or Preferred, as applicable) plus the difference between the cost of the Brand Name Drug and the Generic Drug. | |||||||||||||||||||||||||||||||||||||||||||||||||||
| Prescription Drug Categories | |||||||||||||||||||||||||||||||||||||||||||||||||||
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Generic Drugs A generic drug is identical, or bioequivalent to a brand name drug in dosage, safety, strength, quality, performance characteristics and intended use. Although generic drugs are chemically identical to their branded counterparts, they are typically sold at substantial discounts from the branded price. |
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Preferred Drugs These are prescription drugs that have been placed on a list of preferred drugs for a medical plan. The cost for preferred drugs is generally less than non-preferred drugs but higher than a generic drug. |
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Non-Preferred Brand Drugs These are medications that have been patented for name and chemical content. Once the patent expires, generic drugs with a different name but the same chemical make-up usually become available. Non-preferred drugs are all other prescription drugs that are not generic or on the list of Preferred drugs. Usually non-preferred named drugs are the most expensive and/or have a comparable drug that is either generic or on the preferred list. |
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Lifestyle Drugs These are prescription drugs that are not generally considered medically necessary. You will pay the full cost of the prescription after a discount has been applied. Lifestyle drugs are typically drugs that are prescribed for nonmedically necessary uses such as cosmetic Botox® and Propecia® for hair loss. |
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| CVS/Caremark's Specialty Pharmacy | |||||||||||||||||||||||||||||||||||||||||||||||||||
Prescriptions for certain medications (i.e., Specialty Drugs) may be filled through CVS Caremark’s Specialty Pharmacy. Specialty Drugs are typically drugs that must be refrigerated, that have a short shelf-life, are bio-tech drugs, and/or are expensive medications that are not typically stocked by retail pharmacies. |
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