Employees new to coverage, or who change or transfer plans, will receive new ID cards. Members can request additional ID cards by contacting the carrier or by using the carrier’s mobile app.
All of our health plans include full prescription drug benefits.
- The health plan you choose determines your out-of-pocket prescription costs, which include your copay, coinsurance, deductible and out-of-pocket maximum.
- How much you pay will depend on three things:
- The drug tier – if you choose a generic, preferred brand, non-preferred brand or specialty drug (new - two different cost tiers in the PPOs);
- The day supply you receive – 30-day (or <30) supply or a 90-day (>31) supply; and
- Where you fill your prescription – at a retail, Retail-90 or mail order pharmacy.
Click here for the CVS Caremark preferred drug list. (This list is updated each January, April, July and October.)
Prescription drug tiers
Tier One - Generic drugs: You’ll pay the lowest amount. A generic medicine is approved by the Food and Drug Administration and equal to the brand name product in safety, effectiveness, quality and performance.
Tier Two - Preferred brand drugs: You’ll pay a higher amount. Many popular and highly used preferred brands are included on the preferred drug list.
Tier Three - Non-preferred brand drugs: You’ll pay the highest amount. These belong to the most expensive group of drugs. These drugs are not included on the preferred drug list.
Specialty drug tiers: In the prepaid option health plans, there are two drug tiers. For generics in a 30-day supply, 20% coinsurance applies with a $100 member minimum and a $200 maximum out-of-pocket. In the PPOs for all other brands, a 30-day supply, 30% coinsurance applies with a $200 member minimum and a $400 maximum out-of-pocket. Members enrolled in a consumer-driven health plan pay coinsurance for specialty drugs and are responsible for the full insurance-negotiated cost of the drug until you reach your plan’s deductible.
Did you know?
CVS Caremark has information to help you with your prescriptions.
- Learn more by calling 877.522.8679 or go to info.caremark.com/stateoftn to find a pharmacy and compare drug costs by plan. You’ll also find the preferred drug list, also called a formulary, a member handbook and answers to frequently asked questions.
- Register on the CVS Caremark website and get details about your drug costs, download the mobile app and more!
- Taking your medication as directed helps you stay healthier. Check out some tips to keep you on track.
Find a CVS Caremark network pharmacy
You can find a 30-day or 90-day network pharmacy through the CVS Caremark website at info.caremark.com/stateoftn. You can also call CVS Caremark customer service at 877.522.8679 to find a network pharmacy near you.
How to save on your prescriptions
Medications you fill on an ongoing basis could cost you less by filling them at a participating Retail-90 pharmacy or through CVS Caremark Mail Service. You make fewer trips to the pharmacy and only need to make one payment every three months. There are several ways to get a 90-day supply of the drugs you take regularly for ongoing conditions. You can conveniently fill those prescriptions either through CVS mail order or at any participating Retail-90 pharmacy nationwide. Find a list of the nationwide Retail-90 pharmacies by going to info.caremark.com/stateoftn for details.
- Maintenance drugs
- There are lower out-of-pocket costs on a large group of maintenance medications. Under the maintenance medication benefit, you can get a 90-day supply of certain drugs from a Retail-90 or mail-order pharmacy at a reduced cost. If you fill a 30-day supply, your regular copayment or coinsurance applies and for Consumer-driven Health Plan members, the deductible is not bypassed.
- For 2023, CDHP members may click here to see a list of eligible medications that will bypass the deductible and be eligible for lower coinsurance when filled in a 90-day supply through mail order or at a participating Retail-90 pharmacy. This benefit does not include any medication considered a specialty medication by the pharmacy benefits manager. The CDHP Preventive list is all-inclusive, meaning it applies to all CVS Caremark clients. Just because a drug is listed there does not mean our plan covers it. You should still consult the formulary/preferred drug list on the Caremark splash page to determine coverage: info.caremark.com/stateoftn
- PPO plan members may click here to see a list of eligible medications that have a lower copayment when filled in a 90-day supply through mail order or at a Retail-90 pharmacy.
- Copay installment program
- Members can spread the cost of 90-day mail order prescriptions that are filled through the CVS Caremark mail order pharmacy over a three-month period at no additional cost. You may enroll online at info.caremark.com/stateoftn or by calling CVS Caremark customer care at 877.522.8679. This benefit is only for 90-day mail order prescriptions provided by CVS Caremark mail order. This does not apply to specialty medications.
Additional pharmacy benefits and savings
The only covered meters, test strips and supplies are those from OneTouch and Accu-Chek. The only covered needles and syringes are BD brand products. Members will have lower copays using supplies from these preferred brands. Enrolled members with diabetes may be eligible for a new OneTouch or Accu-Chek blood glucose meter at no charge from the manufacturer. For more information on how to obtain a free blood glucose meter, call 877.418.4746.
Certain low-dose statins
Eligible members can receive these medications in-network at zero cost share. These medications are primarily used to treat high cholesterol. No high-dose or brand statins are included. Applies to members ages 40 through 75 years old.
Anti-obesity medication is available for members who meet prior authorization requirements as determined by the pharmacy benefits manager. This gives members a less costly, non-surgical option for losing weight. Go to info.caremark.com/stateoftn to look for covered medications. They are found under “Antiobesity” on the preferred drug list.
Certain medications used to treat opioid dependency
Members won’t have to pay for some of these medications.
Tobacco cessation products
The following quit aids are FREE under the pharmacy benefit:
- Chantix and its generic, Varenicline
- Bupropion (Generic Zyban)
- Over-the-counter generic nicotine replacement products, including gum, patches and lozenges
- Nicotrol oral and nasal inhalers
Members may receive up to two, 12-week courses of treatment per calendar year (up to 168 days of treatment) with no lifetime maximum. A licensed clinician is required to write a prescription to get any tobacco cessation products at no cost, including over-the-counter aids. Simply present your prescription and your CVS Caremark card at the pharmacy counter to fill at $0 copay. The plan only covers generic over-the-counter tobacco cessation products.
Members have the right to appeal a denial made by CVS Caremark. There are three levels of appeal available:
- First Level Appeal — If the member's prescription requires prior authorization, and the request is denied because it does not meet their plan's approved criteria for use of the medication, the member may choose to appeal the denial. The member or their authorized representative may request that CVS Caremark re-review the request along with any additional clinical information that the member's physician provides. If this appeal request is not approved, the member will receive a letter explaining the decision and providing information about how to request a second level internal appeal from CVS Caremark.
- Second Level Appeal — If the member's first level appeal is denied, the member or their authorized representative may choose to request that CVS Caremark review the case and determine whether the drug is medically necessary for the member's treatment. CVS Caremark will review the case and any additional clinical information provided by the member's physician to make this determination. If this appeal is not approved, the member will receive a letter explaining the decision and providing information about how to request an external review of their case from an independent review organization.
- External Review — If the member's second level internal appeal is denied, the member or their authorized representative may choose to request that an independent review organization review the case and make a final determination. The independent review organization will communicate their decision to the member. This decision will be final and binding on the member, the plan and CVS Caremark.