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Benefits • Medical • Prescription Drug Coverage

The Premium and Standard PPO plans offer prescription drugs at a copayment charge. The Consumer Choice Plan covers prescription medications at full cost until the deductible is met. For more information regarding prescription drug coverage reference the Benefits Guide and/or contact Farm Credit Foundations for more information!

You will not receive a Caremark ID card; Rx info included on one Medical/Rx ID card from Blue Cross Blue Shield

www.caremark.com
Phone:1-800-565-5827

Dispense As Written (DAW) Provision
If you purchase a brand name or a primary/preferred drug at retail when a generic is available, you will pay the generic co-pay plus the difference between the cost of the generic drug and the drug dispensed unless the doctor writes “Dispense As Written.”

Maintenance Medications
On-going maintenance drug refills may be dispensed by mail-order; however, you may also purchase a 90-day supply at participating retail pharmacies; go to www.caremark.com to find a participating pharmacy. The cost of the 90-day supply at retail will be three times the 30-day cost.

Copays

PREMIUM PPO PLAN	Retail (30-day supply)	Retail (90-day supply)	Mail Order (90-day supply)
Generic Copay	$10	$30	$20
Preferred Brand Copay	$35	$90	$90
Non-Preferred Brand Copay	$60	$180	$150
Lifestyle Drugs*	100% of Discounted Price
STANDARD PPO PLAN	Retail (30-day supply)	Retail (90-day supply)	Mail Order (90-day supply)
Generic Copay	$10	$30	$20
Preferred Brand Copay	$30 (2009: $35)	$90	$75 (2009: $90)
Non-Preferred Brand Copay	$60	$180	$150
Lifestyle Drugs*	100% of Discounted Price
CONSUMER CHOICE PPO PLAN	Retail (30-day supply)	Retail (90-day supply)	Mail Order (90-day supply)
Generic Copay	Subject to Same Deductible & Coinsurance as Other Medical Benefits
Preferred Brand Copay	Subject to Same Deductible & Coinsurance as Other Medical Benefits
Non-Preferred Brand Copay	Subject to Same Deductible & Coinsurance as Other Medical Benefits
Lifestyle Drugs*	100% of Discounted Price

*LifeStyle Drugs
You can purchase drugs through Caremark that are excluded under the prescription provision of our Medical Plan. Some examples of these drugs are lifestyle, cosmetic and smoking cessation. You are responsible for the total cost of the drug; however, you will receive Caremark’s discounted price. The cost of these drugs will not be applied to your deductible or out-of-pocket maximum.

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