Annual Maximum Out-Of-Pocket: $3,000 per Individual/$6,000 per Family You Will Pay... 12% for all generic. prescription.

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1 Caremark Web Site When it comes to your prescription needs, finding relevant information and seeing alerts have never been easier because Caremark s web site customizes your home screen to reflect what is happening with your account. You can view actionable tasks at a glance and navigate your account information with ease. Order Prescriptions and Refills Check Order Status Check Drug Costs and Coverage Find Drug Information and Interactions Learn About Medications Find Savings Opportunities Find a Participating Local Pharmacy View Your Prescription History Print an I.D. Card Ask A Pharmacist - Representatives are available seven days a week to answer questions about your order! Accessing your plan benefit information has never been easier as well; mobile applications are now available for most mobile devices. You can securely manage your prescription benefits on the go, putting the power of your benefits in the palm of your hand anytime, anywhere. Visit to explore all the features and take a video tour that will show you all the tools available to help you handle all your prescription needs.

2 Registration can be completed with your member ID number (your social security number). This will step you through the initial registration process. Please use a private address, and refrain from using a work address, if at all possible. Be sure to save your password somewhere safe and bookmark the site. Log on to and click Sign Up Now. Following the instructions on the next page by entering your personal information. Click Continue to move to the next screen. Follow the instructions to complete your security information, then click Continue. Review your account details on the last page, then click Continue. 1. Highlight the Understand My Plan Benefits tab, then select Print My Prescription Benefits Card located on the right side of the screen. 2. On the next screen, click Print located on the right side of the screen. 3. This will open a new window or tab in the internet browser with your ID card.

3 Coverage At A Glance RETAIL PHARMACY For Immediate Medicine Needs or Short-Term Medicine MAIL SERVICE PHARMACY For Maintenance or Long-Term Medicine SPECIALTY PHARMACY For Drugs in the Specialty Category Annual Maximum Out-Of-Pocket: $3,000 per Individual/$6,000 per Family You Will Pay... 12% for all generic $12 for each generic 50% up to a $100 maximum prescription prescription per script for Bio-Similar (Generic) Specialty drugs... 30% for each brand name* prescription on the primary drug list $50 for each brand name* prescription on the primary drug list 50% up to a $200 maximum per script for Specialty drugs on the Formulary list... 50% for each brand name* prescription not on the primary drug list $75 for each brand name* prescription not on the primary drug list... 50% for Over The Counter (OTC) medicine in the Proton Pump Inhibitor (PPI) Classification Day Supply Limit day supply 90 day supply (except specialty pharmacy drug list) Refill Limit... One initial fill, plus two (2) None refills 50% up to a $350 maximum per script for Specialty drugs that are not on the Formulary list or are not considered Bio-Similar (Generic) This is a short recap of your prescription benefits. This is not your Summary Plan Description. Please see the Summary Plan Description for additional details and terms of your actual coverage. Medications that are required to be provided free of charge per the Affordable Care Act will still require a prescription for coverage, and they must be purchased at a network pharmacy. Where allowed, we have restricted access to only generic or over-the-counter options.

4 *When a generic is available but the pharmacy dispenses the brand name medicine for any reason other than physician indicates dispense as written, you will pay the difference between the brand name medicine and the generic, plus the brand co-insurance. *Details about drug prices and options, Primary Drug List and Specialty Drug List can be found at PLEASE NOTE! Some drug companies have developed copay card programs for specific drugs. If you choose to participate in these programs, please know that any co-pays or coinsurance paid through these programs will not be applied to your annual maximum out-ofpocket. PLEASE NOTE! Medical marijuana may be legal in Ohio, but it still is not covered under our medical or prescription plan. This policy has not changed; it is simply a clarification. Walgreens is not a member of the CVS Caremark pharmacy network and prescriptions filled there or at any other pharmacy outside the CVS Caremark pharmacy network will not be covered!!! Remember to use your Caremark card when getting prescriptions filled at retail stores!!! Maintenance medications can be filled by Mail Order or at your local CVS Pharmacy or Target Drug Stores. Wayne County and Caremark have implemented various step therapy protocols which may require you to use certain drugs before others are covered. If you feel you need a different drug that is denied due to this step therapy process, you will be given information on how to appeal the decision reached by Caremark.

5 Making The Most Of Your Prescription Benefit Your prescription benefit is designed to make your drugs more affordable. Check drug costs at to compare retail to mail, brandname drugs to generics, or explore ways to save with the Savings Center. By filling your mail service prescriptions accurately. By making sure that the medicines you receive are high quality, safe and what your doctor prescribed. By reviewing your prescription history with every prescription they fill to identify and prevent any potential problems such as unintended drug interactions. At Your Local Pharmacy Simply present your prescription and your benefit ID card at any participating retail pharmacy (your card is accepted at most major pharmacy chains and many independent pharmacies across the country). To find a participating pharmacy near you, visit at Through the Caremark Mail Service Pharmacy If your doctor has prescribed a drug for you to take for a long time, you may be able to have a 90-day supply delivered directly to your home or location of choice from Caremark s Mail Service Pharmacy. When it s time to get a refill, you can order online or by phone anytime, day or night. This option will not only save you money on your prescriptions, but will also save you a trip to your local pharmacy. And regular delivery is at no additional cost. For more information about the Caremark Mail Service Pharmacy, please refer to the following section titled Caremark Mail Service Pharmacy.

6 Every year, more people with chronic or genetic conditions are being prescribed specialty or biotech medicines. People taking these drugs often have complex health conditions such as multiple sclerosis or hemophilia. Caremark offers home delivery of specialty drugs and supplies and provides personalized support to help individuals successfully manage their condition. Talk to your Benefit Administrator for a list of covered services, visit or call the toll-free Customer Care number on your prescription benefit ID card to learn more about Caremark s specialty pharmacy. Various pharmacy chains offer medications at reduced prices by joining their program. On many occasions, you may pay a lower cost than by using your Caremark card! We encourage you to check out the various pharmacies and compare costs so that both you, and the Wayne County Health Plan, save money! Wal-Mart Pharmacy Prescription Savings Program $4 for 30 day supply or $10 for a 90 day supply llinkfc44dollarprescriptions Kmart Prescription Savings Club $5 for 30 day supply or $10 for a 90 day supply Ritzman Prescription Savings Club (inside Buehlers!) $4 for 30 day supply or $10 for a 90 day supply Link to internet is under construction; call x14, then x0 and request the latest printout CVS/Pharmacy Health Savings Pass $11.99 for 90-day supply Rite-Aid Rx Savings Program $8.99 for 30 day supply or $15.99 for a 90 day supply

7 Caremark Mail Service Pharmacy Caremark Mail Service Pharmacy is staffed by registered pharmacists who perform the same safety checks as your local pharmacist, including a review of your prescription history. It s quick and easy! Your prescription benefit offers you the convenient option to get 90-day supplies of your long-term medications delivered to you by mail at no extra cost. Mail Service Pharmacy is available for prescriptions used to treat conditions such as high cholesterol, asthma, arthritis, diabetes, heart disease and high blood pressure. When you use the Caremark Mail Service Pharmacy to fill your prescriptions, you ll enjoy the many benefits it provides: Added Value 24/7 access to registered pharmacists when you have questions about your prescriptions. You can also receive alert messages by , text or phone. Cost Savings One 90-day supply may cost less than three 30-day supplies at a retail pharmacy. Visit the Savings Center at to see how much you can save. Greater Convenience At-home delivery at no extra cost and easy refills online or by phone. This saves you a trip to the retail pharmacy every 30 days. Quality and Safety Dedicated pharmacists checking each and every order. Secure Delivery Your medicines are sent in plain packaging to protect your privacy. The package is tamper-proof and, if necessary, temperature-controlled to protect certain medications and for your safety. You can even track delivery on your own through or call Caremark at the number on the back of your prescription card and they will do it for you. Mail your prescription along with a completed order form to Caremark (order form is available through your HR Benefits Specialist at and is also available at the end of this section). Ask your doctor to call in your prescription toll-free at

8 Once you ve ordered a prescription through the mail service pharmacy, getting refills is even easier! Choose from one of the following three options: 1. Online at 2. Call the number on the back of your prescription ID card. 3. Mail in a completed order form. A form will always be included with your prescription delivery which you can save and use when you are ready for a refill. You may also use the form at the back of this section; however, the form provided at the time of your delivery has already been partially filled out for you, so this form is preferable. 1. Phone Call FastStart toll-free at , Monday through Friday. A representative will let you know which of your prescriptions can be filled and will then contact your doctor for a 90-day prescription and mail it right to you. 2. Online Log on to and sign in or register, if necessary. Once you have provided the requested information, Caremark will contact your doctor for a 90- day prescription. Make sure you have your prescription card number, your doctor s information and your payment information ready. Caremark will handle the rest! Yes, you may alternate between having your long term medications shipped to you or receiving them through a CVS Pharmacy. Long term medications may not be dispensed at any other pharmacy. If you need your prescription filled right away, ask your doctor to write two prescriptions for your long-term medicine: One for a short-term supply (30 days or less) that can be filled at a participating retail pharmacy, AND One for the maximum days supply allowed by your plan (usually 90 days), with up to three refills. Enclose this prescription along with the mail service order form you send in. ReadyFill at Mail is an automatic prescription refill and renewal program and is a no-cost service provided by the Caremark Mail Service Pharmacy. Caremark does the refill ordering work for you, so you don t have to spend time online, on the phone or filling out a form.

9 ReadyFill automatically fills your long-term prescriptions and mails them directly to your home or office. And, if your prescription expires and needs to be renewed, they automatically contact your doctor s office to obtain a new prescription for you. Caremark will contact you twice before you receive your prescription delivery. The first message is sent by , phone or text message 14 days before your refill due date to let you know your order is being placed. If you need to cancel the order, you can do so at that time. A second message is sent 5 to 7 days before your refill due date to let you know that your order has shipped. If a copay is required, you will only be charged when your prescription ships. Simply log on to or call Caremark at the toll-free number on the back of your prescription card.

10 Generics To save money on your prescriptions, ask for Generics: Ask your doctor to prescribe generics and allow generic substitution at your local pharmacy. Say yes if your pharmacist asks whether you would like the generic equivalent of the brand-name medicine your doctor prescribed. If there is no generic equivalent for a brand-name medicine you are prescribed, ask your doctor if there s a generic alternative available to treat your condition and if it would be right for you. Research and development are already complete. Generics cost less because their manufacturers do not have to spend the hundreds of millions of dollars it takes to complete research and development on the new original medicine. The brand manufacturer makes that investment, along with the millions of dollars needed to market and advertise the new medicine. Therefore, it costs the generic manufacturer less to develop the same medicine. The savings are passed on to you! Visit to view a list of generic drugs available which treat common conditions. All the money you save. Each time you fill a prescription, you could save money by asking for a generic medicine. That could add up to big savings in just a short time. Research shows that you can save an average of 30 to 80 percent when you fill your prescriptions with a generic drug instead of a brand-name drug. To see if a generic is available for a drug you are currently taking or considering, visit - or you can visit the Savings Center on to find out how much you can save.

11 Yes, the name and how they look are different, not how they work. When the patent of a brand-name medication expires, other drug manufacturers can make and sell the same medicine. This medicine is sold under its chemical name, which is why it is called a generic. Like their brand-name counterparts, all generic medicines are tested and approved by the U.S. Food and Drug Administration (FDA) before they can be sold to consumers. FDA-approved generic medicines are as safe and effective as brand-name medicines. In the United States, trademark laws do not allow a generic medicine to look exactly like its brand-name counterpart. Therefore, you can expect a generic medicine to be a different color or a different shape than its brand-name counterpart. However, the way it looks has no effect on how the medicine works. In fact, generics are often made by the same company manufacturing the brand-name drug. Yes, the FDA makes sure of it. The FDA puts each generic medicine through a rigorous quality control review process to ensure that generics are as safe and effective as the original brand-name medicine. Both brand-name and generic drug facilities must meet the same standards of good manufacturing practices. The FDA inspects more than 3,500 pharmaceutical manufacturing facilities each year to monitor how the medicines are made, processed, tested, packaged and labeled. To gain FDA approval, generic medicines must prove they are exactly like their brand-name equivalents in: Safety Identical Active Ingredients Performance (how it works in the body) Strength (e.g., 10 mg, 20 mg) Dosage Form (pill, liquid, cream, etc.) Forms

12 Summary Plan Description Effective Date: January 2013 This document replaces and supersedes any previous prescription Summary Plan Description CVS Caremark (888) Toll Free Customer Service 24 hours a day/7 days a week CVS Caremark P.O. Box Phoenix, AZ CVS Caremark P.O. Box Palatine, IL Wayne County Commissioners HR Benefits Specialist 428 West Liberty Street Wooster, OH (330)

13 This document summarizes the main provisions of the prescription drug section of the Wayne County Employee Benefit Plan effective January 1, 2013 and serves as the Summary Plan Description (SPD) for these benefits. It describes the prescription drug benefits as they apply to eligible employees. Nothing in the plan or in this document is intended to provide employees, former employees or dependents with a vested right to any benefits and/or any rights for continued employment. This document replaces and supersedes any previous Summary Plan Description. We encourage you to read this SPD carefully and share it with your family members covered under the plan. If you have any questions about your benefits, please contact Caremark or your HR Benefits Specialist. Contact information is on the first page of this section. Please note that this SPD is only a summary. Complete details of the prescription drug plan are contained in the legal plan document. If there is any difference between the information in this SPD and in the legal plan document, the legal plan document will govern. The plan sponsor reserves the right to interpret, amend and/or terminate this plan, in whole or in part, at any time and for any reason. You do not enroll specifically for Prescription Coverage. Your eligibility for this benefit will be determined by your eligibility for our Medical Plan. If you are eligible to enroll, and actually enroll and are accepted for coverage under our Medical Plan, then you are automatically enrolled in our Prescription Coverage. You can add and/or delete dependents based on the ability to add and/or delete dependents under our Medical Plan. If you lose eligibility for, or drop, our Medical Insurance, your coverage under this program will end on the same date. If you leave our plan, and are eligible for and elect COBRA coverage, then you will only receive Prescription Coverage if you also are eligible for, and elect to receive and pay for COBRA for your Medical Coverage. Employees who enroll dependents are responsible for any payments made on behalf of their dependents. If your dependent is not eligible for benefits, you will be responsible to reimburse the Plan for any payments made on their behalf. Your coverage will have the same effective dates as your Medical Coverage if you are eligible and have enrolled and been accepted into that Plan.

14 Depending on the rules adopted by your employer, the following may apply to you. If you are not sure if this section applies to you, please check with your employer. This section will apply to all employees of Wayne County. This plan is self-funded with contributions from both the County and eligible employees. The plan also is part of the County s Section 125 Flexible Benefit Plan that allows you to elect health care coverage and pay your contributions on a pretax basis. This tax savings advantage allows you to have a portion of your compensation deducted from your paycheck before your taxes are calculated. Because of this, you pay for your coverage with pre-tax dollars, you pay fewer taxes and you take home more pay. Caremark administers the prescription drug benefit described in this document. SHORT-TERM RETAIL (up to a 30-day supply) Generic Cost Share... Formulary/Primary Drug List Cost Share... Brand Cost Share... Over The Counter (OTC)... LONG-TERM MAIL SERVICE (up to a 90-day supply) You can receive these medications: Generic Cost Share... Formulary Cost Share... Brand Cost Share... Specialty/Biotech Cost Share... MEMBER RESPONSIBILITY 12% For all Generic prescriptions 30% for each Brand Name* prescription on the Formulary list 50% for each Brand Name* prescription not on the Formulary list 50% for OTC in the Proton Pump Inhibitor (PPI) Class MEMBER RESPONSIBILITY Through the mail, or at a CVS retail location $12.00 for each Generic Prescription $50 for each Brand Name* prescription on the Formulary list $75 for each Brand Name* prescription not on the Formulary list 50% up to a maximum amount of $200 for each prescription filled on the specialty pharmacy drug list Medications that are required to be provided free of charge per the Affordable Care Act will still require a prescription for coverage, and they must be purchased at a network pharmacy. Where allowed, we have restricted access to only generic or over-the-counter options. *If you or your doctor chooses for you to receive the brand name drug when a generic drug is available, you may be responsible for paying the difference between the brand name drug cost and the available generic drug cost. You will also be responsible for paying the appropriate cost share for the drug that the doctor prescribes. This plan has a separate Annual Maximum Out-of-Pocket from the Medical Benefit. For the Prescription Plan, the maximum out-of-pocket you pay in a calendar year for eligible prescriptions is as follows: $3,000 per Covered Person, not to exceed $6,000 for all Covered Persons in a family, per calendar year. Any quantity limitations are indicated in the Coverage at a Glance chart above. There is no coordination of benefits on this plan.

15 All prescriptions are classified into 5 groups: Generic, Brand, Formulary/Primary and Specialty Drugs. A general description of each of these types is as follows: Generic... A generic drug is a drug product that is comparable to brand/reference listed drug product in dosage form, strength, route of administration, quality and performance characteristics, and intended use. We only cover A rated generic drugs, and all generic drugs have to receive approval from the FDA before they can be dispensed. Brand... A brand name drug is a drug that has a trade name and is protected by a patent. When a generic is available, but the pharmacy dispenses the brand name medicine for any reason other than physician indicating Dispensed as written, you will pay the difference between the brand name medicine and the generic plus the brand co-insurance or co-payment. Formulary or Primary Drug List... These are generally brand name drugs that Caremark has negotiated better rates with the manufacturers. Because these drugs are purchased at better pricing, we reduce your cost to purchase these drugs. This is also referred to as a Formulary/Primary List. Over The Counter (OTC)... These are drugs that are normally available at retail drug stores. For the purposes of this plan, the only OTC drugs that are covered by this plan are those in the Proton Pump Inhibitor (PPI) family of drugs. PPI drugs are commonly used to treat symptoms for ulcers and acid reflux. You will still need a prescription from your doctor to purchase these drugs OTC and have part of the cost covered by our plan. Specialty... Specialty drugs generally are high-cost injectable, infused, oral, or inhaled drugs that generally require special storage or handling and close monitoring of the patient's drug therapy. These drugs are only available through Caremark s Specialty Pharmacy Program. Caremark prior authorization criteria was developed to ensure safe, effective and appropriate utilization of selected drugs. The physician writing the prescription must confirm that the patient has met the evidence-based criteria in order to obtain an override to cover the specific drugs and for the claims to be paid. In certain cases, you may also be required to try an over the counter or generic medication before the brand medication will be covered. Your physician should call Caremark to verify coverage for any specialty pharmacy drugs before the prescription is written.

16 If you or your doctor chooses for you to receive the brand name drug when a generic drug is available, you will be responsible for paying the difference between the brand name drug cost and the available generic drug cost. You also will be responsible for paying the appropriate cost share for the drug that the doctor prescribes. Prescription drugs purchased outside the United States are not covered under the Plan. However, if you are overseas and need to purchase prescription drugs due to an emergency, eligible prescription drugs that are purchased may be covered. You will need to purchase the drug, obtain a receipt (be sure the receipt is translated into English) and submit a paper claim reimbursement form to Caremark for reimbursement. Caremark will determine the appropriate currency exchange rate to use. Their decision on the exchange rate will be final. You and your eligible dependents can receive free diabetic supplies as prescribed by your doctor from our prescription program. If you have questions about this program, please call Caremark or our Benefit Administrator at the numbers listed in the front of this document. We reserve the right to change from time to time what products or manufacturers are covered under this free program. This program is designed to make complying with your medication and testing needs as easy as possible. You will receive a Caremark ExtraCare Health Card upon enrollment. This card allows the ExtraCare Health Card Holder to receive a 20 percent discount on CVS store brand health-related items. You should present the Caremark ExtraCare Health Card at the time of purchase. Generic Alerts Generic Launch Letters are announcements that are mailed to you regarding significant new generic launches. If you are taking a brand-name drug that will be available as a generic, you will receive a personalized letter educating you on the lower-cost alternative. Specialty Guideline Management Specialty Guideline Management evaluates the appropriateness of drug therapy for specialty medications according to evidence-based guidelines both before the initiation of therapy and on an ongoing basis. This solution is available for all specialty conditions and outreach is made to both you and the prescriber to evaluate the therapy.

17 The Specialty Guideline Management program requires approval of treatment for select medicines. Under this program, there will be a review of clinical information for approval of treatment with these medicines. Decisions are based on nationally recognized guidelines and are administered by a Caremark clinical specialist. Your prescription plan offers two ways to get your medication through a Caremark Retail Network Pharmacy or Caremark Mail Service Pharmacy. Use a Caremark participating network pharmacy when filling short-term prescriptions for medications such as antibiotics. Use the Caremark Mail Service Pharmacy to fill your long-term prescriptions (described further in the next paragraph). Mail service is a cost-effective choice for long-term medications because you generally can get up to a 90-day supply for less than what you would pay for the same supply at retail. The Plan has a retail refill restriction. You can only receive maintenance medication for one initial 30-day (or less) prescription, plus two refills, at a participating network pharmacy. After this, you must utilize the Mail Network Pharmacy to fill your maintenance medications via mail or at a CVS Caremark pharmacy. Please note: CVS retail pharmacies are the only retail pharmacies in which you can receive your mail order prescriptions. To find a network pharmacy near you, call the customer service number on the first page of this section, or go to click on the Order Prescription tab and then select Find a Pharmacy in the center of the drop-down box. Short-Term/Retail Prescription Drugs You can receive a prescription drug at any participating network pharmacy. Just give the pharmacist your Caremark ID card along with your prescription. You will pay the applicable cost share listed in the Coverage at a Glance chart at the time of purchase. The Plan pays the remainder. If your charge of the retail drug is less than the minimum requirements, you pay the lesser of the two. If you do not have your Caremark ID card, you will still have coverage. Simply pay the full amount of the prescription and save the original receipt, then complete a paper claim reimbursement form and submit with your original receipt to the address on the first page of this section. You can receive a paper claim reimbursement form by contacting Caremark at or by visiting Caremark will then reimburse you for the portion that the plan would pay. We will not reimburse you for any prescriptions filled at Walgreens or any other pharmacy that is not in the CVS Caremark network. Long-Term/Mail Service Prescription Drugs The Mail Service Pharmacy must be utilized for long-term maintenance medications.*** Mail order prescriptions cover up to a 90-day prescription or a 90-day refill of that prescription. Tell your prescribing physician that you have a mail order prescription program. That will inform them that you

18 need a 90-day prescription for the medication you need to take. You can fill your mail order prescription in numerous ways: 1. Complete a mail service order form and send to Caremark along with your prescription and the applicable cost share. 2. Refills on your mail order prescriptions can be ordered by calling Online at 4. Please note that it can take up to 2-3 weeks to receive your prescription in the mail, so please plan accordingly. *** You can also use our Maintenance Choice Program. You can take your mail order prescription to any CVS Caremark retail location and fill your mail order prescription at that location. This is the fastest way to fill a mail order prescription. New drugs are developed and introduced into the marketplace daily. As the FDA approves these new drugs for use in the United States, we, in conjunction with Caremark, will assess the feasibility of covering the drug, as well as the application of any coverage restriction or limitation. The plan covers charges for drugs and medicines which, as required by law, may be dispensed only by a registered pharmacist on the written prescription of a physician. The plan administrator has discretionary authority to interpret and apply Plan terms and to make factual determinations in connection with its review of claims under the Plan. Such discretionary authority is intended to include, but not limited to, the determination of the eligibility of persons desiring to enroll in or claim benefits under the Plan, the determination of whether a person is entitled to benefits under the Plan, and the computation of any and all benefit payments. The employer, as Plan sponsor, reserves the right, at any time, change or terminate benefits under the Plan, to change or terminate the eligibility of classes of employees to be covered by the Plan, to amend or eliminate any other Plan term or condition, and to terminate the whole Plan or any part of it. The procedure by which benefits may be changed or terminated, by which the eligibility of classes of employees may be changed or terminated, or by which part or all of the Plan may be terminated, is contained in the official legal plan document, which is available for inspection and copying from the Plan Administrator designated by the employer. No consent of any participant is required to terminate, modify, amend or change the Plan. Termination of the Plan will have no adverse effect on any benefits to be paid under the Plan for any covered prescription expenses incurred prior to the date the Plan terminates. Your coverage under the Plan will end on the last day of the calendar month based on one of the following, whichever is earliest:

19 the date on which you are no longer eligible for the Medical Benefit; or the date you cease to make any required contributions; or the date you have a qualifying event and elect to cancel your coverage under our Medical Benefit; or the actual date the Plan terminates. The purchase of drugs through a Caremark participating network pharmacy maximizes prescription drug benefits. No claim forms are needed when you use a Caremark ID card at a Caremark participating network pharmacy. You are responsible for paying any deductible or cost share at the time of purchase. For the reimbursement of drugs purchased outside of the Caremark participating network pharmacy, claim forms which include specific instructions on claim filing can be obtained from Caremark by calling the number on the first page of this section. Paper claim reimbursement forms must be mailed to the address indicated on the claim form. All claims relating to benefits covered under the plan must be filed within the 12-month period following the date in which the service is received. This is called the Claims Filing Deadline. *Remember that your plan does not cover any prescriptions filled at Walgreens or any other pharmacy that is not in the CVS Caremark network. Caremark will implement the prescription drug cost containment programs requested by the Plan sponsor by comparing your requests for certain medicines and/or other prescription benefits against pre-defined preferred drug lists or formularies before those prescriptions are filled. If Caremark determines that your request for pre-authorization cannot be approved, that determination will constitute an Adverse Benefit Determination. If an Adverse Benefit Determination is rendered on your claim, you may file an appeal of that determination. The appeal of the Adverse Benefit Determination must be made in writing and submitted to Caremark within 180 days after you receive notice of the Adverse Benefit Determination. If the Adverse Benefit Determination is rendered with respect to an urgent care claim, you and/ or your attending physician may submit an appeal by calling Caremark.

20 Appeals should include the following information: Name of the person the appeal is being filed for; Caremark Identification Number; Date of birth Written statement of the issue(s) being appealed; Drug name(s) being requested; and Written comments, documents, records or other information relating to the claim. The appeal and supporting documentation may be mailed or faxed to: Caremark Appeals Department MC109 PO Box Phoenix, AZ Fax Number: (866) Physicians may submit urgent appeal requests by calling the physician-only toll-free number (866) The review of your claim or appeal of an Adverse Benefit Determination will be conducted in accordance with the requirement of any related laws. You will be accorded all rights granted to you under any related laws. Caremark will provide the first-level review of appeals of Pre-Service Claims. If you appeal Caremark s decision, you can request an additional second-level Medical Necessity review. That review will be conducted by an Independent Review Organization (IRO). Pre-Authorization Review Caremark will make a decision on a Pre- Authorization request for a Plan benefit within 15 days after it receives the request. If the request relates to an Urgent Care Claim, Caremark will make a decision on the claim within 24 hours. Pre-Service Claim Appeal Caremark will make a decision on a first-level appeal of an Adverse Benefit Determination rendered on a Pre-Service Claim within 15 days after it receives your appeal. If Caremark renders an Adverse Benefit Determination on the first-level appeal of the Pre-Service Claim, you may appeal that decision by providing the information described above. A decision on your second-level appeal of the Adverse Benefit Determination will be made (by the IRO) within 15 days after the new appeal is received. If you are appealing an Adverse Benefit Determination of an Urgent Care Claim, a decision on such appeal will be made not more than 72 hours after the request for appeal(s) is received (for both the first- and second-level appeals, combined). Post-Service Claim Appeal Caremark will make a decision on an appeal of an Adverse Benefit Determination rendered on a Post-Service Claim within 60 days after it receives the appeal.

21 During its pre-authorization review, first-level review of the appeal of a Pre-Service Claim, or review of a Post-Service Claim, Caremark shall: Take into account all comments, documents, records and other information you submitted relating to the claim, without regard to whether such information was submitted or considered in the initial benefit determination on the claim; Follow reasonable procedures to verify that its benefit determination is made in accordance with the applicable plan documents; Follow reasonable procedures to ensure that the applicable plan provisions are applied to the member in a manner consistent with how such provisions have been applied to other similarly situated members; and Provide a review that does not afford deference to the initial Adverse Benefit Determination and is conducted by an individual other than the individual who made the initial Adverse Benefit Determination (or a subordinate of such individual). If you appeal Caremark s denial of a Pre-Service Claim and request an additional second-level Medical Necessity review by an IRO, the IRO shall: Consult with appropriate health care professional(s) who was not consulted in connection with the initial Adverse Benefit Determination (nor a subordinate of such individual); Identify the health care professional, if any, whose advice was obtained on behalf of the Plan in connection with the Adverse Benefit Determination; and Provide for an expedited review process for Urgent Care Claims. Following the review of your claim, Caremark will notify you of any Adverse Benefit Determination in writing. (Decisions on Urgent Care Claims will also be communicated by telephone or fax.) This notice will include: The specific reason or reasons for the Adverse Benefit Determination; Reference to pertinent Plan provision on which Adverse Benefit Determination was based; A statement that you are entitled to receive, upon written request, free of charge, reasonable access to and copies of all documents, records and other information relevant to the claim; If an internal rule, guideline, protocol or other similar criterion was relied upon in making the Adverse Benefit Determination, either a copy of the specific rule, guideline, protocol or other similar criterion, or a statement that such rule, guideline, protocol or other similar criterion will be provided free of charge upon written request; and If the Adverse Benefit Determination is based on a medical necessity, either the IRO s explanation of the scientific or clinical judgment for the IRO s determination, applying the terms of the Plan to your medical circumstances, or a statement that such explanation will be provided free of charge upon written request. Caremark shall service, as the claims fiduciary, with respect to Pre-Authorization Review of prescription drug benefit claims arising under the Plan, first-level review of appeals of Pre-Services

22 Claims and review of Post-Service Claims. Caremark shall have, on behalf of the Plan, sole and complete discretionary authority to determine these claims conclusively for all parties. Caremark is not responsible for the conduct of any second-level Medical Necessity Review performed by an IRO. The following terms are used herein to describe the claims and appeals review services provided by Caremark: Adverse Benefit Determination A denial, reduction or termination of, or a failure to provide or make payment (in whole or in part) for, a Plan benefit. An Adverse Benefit Determination includes a denial, reduction or termination of, or failure to provide or make payment (in whole or in part) for, a Plan benefit based on the Application of a Utilization Review or on a determination of your eligibility to participate in the Plan. An Adverse Benefit Determination also includes a failure to cover a Plan benefit because use of the benefit is determined to be experimental, investigative or not medically necessary or appropriate. Claim A request for a Plan benefit that is made in accordance with the Plan s established procedures for filing benefit claims. Medically Necessary (Medical Necessity) Medications, health care services or products are considered medically necessary if: Use of the medication, service or product is accepted by the health care profession in the United States as appropriate and effective for the condition being treated; Use of the medication, service or product is based on recognized standards for the health care specialty involved; Use of the medication, service or product represents the most appropriate level of care for the member, based on the seriousness of the condition being treated, the frequency and duration of services and the place where services are performed; and Use of medication, service or product is not solely for the convenience of you, your family, or your provider. Post-Service Claim A claim for a Plan benefit that is not a Pre-Service Claim. Pre-Authorization Caremark s Pre-Service Review of your initial request for a particular medication. Caremark will apply a set of pre-defined criteria (provided by the Plan sponsor) to determine whether there is need for the requested medication. Pre-Service Claim A claim for a medication, service or product that is conditioned, in whole or in part, on the approval of the benefit in advance of obtaining the requested medical care or service. Pre-Service Claims include member requests for pre-authorization. Urgent Care Claim A claim for a medication, service or product where a delay in processing the Claim: (a) could seriously jeopardize your life or health and/or could result in your failure to regain maximum function, or (b) in the opinion of a physician with knowledge of your condition, would subject you to severe pain that cannot be adequately managed without the requested medication, service or product.

23 Please photocopy all forms, keeping the originals in your binder, so that you can continue to use in future years. Forms

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