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  Now Showing: Prescription Drug FAQs
 
Frequently Asked Questions (FAQs)
About the Plans in General
About the Pension Plan
About Health: Eligibility Prescription Self-Pay Claims Dental Premium
 
Prescription Drug FAQs
Is there a separate deductible for the prescription drug program?
What is the copayment under the prescription drug program?
How do I use the home delivery pharmacy service?
How do I get reimbursed for compounded medications?
With the deductible and coinsurance at the mail service pharmacy, how will I know how much to send in with my prescription?
My doctor says I must use a brand name drug and cannot use the generic version. Why is my co-payment higher?
How are prescription co-payments calculated?
How can I save money by using generics when possible?



QUESTION: Is there a separate deductible for the prescription drug program?


ANSWER: Yes. The deductible for the prescription drug program is $100 per individual/ $200 per family. This is separate from the deductibles under other sections of the Plan such as hospital and major medical. The prescription drug deductible applies to both the retail pharmacy and the home delivery pharmacy. Charges from both the retail and home delivery pharmacies are used to satisfy this deductible.



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QUESTION: What is the copayment under the prescription drug program?


ANSWER: When you use the home delivery pharmacy service, your copayment is the greater of the following two amounts:

     Generic: $10 or 15%
     Brand-name when no generic exists: $20 or 20%
     Brand-name when generic exists: $20 or 20% PLUS the difference in
       price between the brand and generic

When you use the retail pharmacy, your copayment is the greater of the following two amounts:

     Generic: $10 or 20%
     Brand-name when no generic exists: $20 or 25%
     Brand-name when generic exists: $20 or 25% PLUS the difference in
        price between the brand and generic

The Plan will not vary the copayment according to whether your physician writes "Dispensed as Written" (DAW) on your prescription.



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QUESTION: How do I use the home delivery pharmacy service?


ANSWER: Obtain a prescription for up to a 90-day supply of medication from your doctor, complete a home delivery pharmacy service form and send it, along with the applicable copayment, to Medco, P.O. Box 30493, Tampa, FL 33630-3493. Home Delivery Pharmacy Service forms are available on our Web site under
Health Forms, at Medco and from the Plan Office.



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QUESTION: How do I get reimbursed for compounded medications?


ANSWER: Send your itemized receipt, along with a reimbursement form, to Medco, P.O. Box 14711, Lexington, KY 40512



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QUESTION: With the deductible and coinsurance at the mail service pharmacy, how will I know how much to send in with my prescription?


ANSWER: You can call Medco's toll free membership services department at (800) 903-4728 or you can log on to their web site at www.medco.com and use the Coverage & Pricing calculator.



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QUESTION: My doctor says I must use a brand name drug and cannot use the generic version. Why is my co-payment higher?


ANSWER: The Plan simply cannot afford to provide brand name drugs for a minimal co-payment, particularly when generic alternatives exist. Since brand name drugs cost significantly more than their generic counterparts, you will be asked to share in this higher cost



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QUESTION: How are prescription co-payments calculated?


ANSWER:
Summary of your Screen Actors Guild-Producers Health Plan Prescription Drug Plan
Effective January 1, 2003
Prescription Drug Plan
Effective January 1, 2003
Retail Network Pharmacy
Medco Home Delivery Pharmacy ServiceTM
(formerly referred to as mail service)
Days Supply
Up to 30 days
per prescription and/or refill
Up to 90 days
per prescription and/or refill
Deductible (per calendar year)
Applies to drugs purchased at both a retail network pharmacy and through the Medco Home Delivery Pharmacy Service.
$100 individual / $200 family¹
$100 individual / $200 family¹
Generic drugs
$10 or 20% of the prescription drug's total cost,
whichever is greater
$10 or 15% of the prescription drug's total cost,
whichever is greater;
maximum co-payment is $75 per prescription
Brand-name drug
$20 or 25% of the prescription drug's total cost,
whichever is greater
$20 or 20% of the prescription drug's total cost,
whichever is greater;
maximum co-payment is $75 per prescription
Multi-Source brand-name drug
(Generic equivalent is available)

Applicable with or without DAW (dispense as written) indication on prescription.

$20 or 25% of the prescription drug's total cost, whichever is greater, PLUS the difference in cost between brand and generic²


Example:
  • $55 total cost of brand-name drug
  • $30 total cost of generic drug
  • $20 total co-payment of brand-name drug

Assuming your deductible is satisfied, you pay:
brand-name co-payment $20
brand/generic cost difference +$25
 
your total payment $45

$20 or 20% of the prescription drug's total cost, whichever is greater, PLUS the difference in cost between brand and generic² ; the maximum co-payment is $75 per prescription

Example:
  • $120 total cost of brand-name drug
  • $70 total cost of generic drug
  • $24 total co-payment of brand-name drug (20% of $120)
Assuming your deductible is satisfied, you pay:
brand-name co-payment $24
brand/generic cost difference +$50
 
your total payment $74
¹There is only one prescription drug deductible. Charges at both the retail pharmacy and the home delivery pharmacy are used to satisfy this deductible.

²The difference in cost between brand and generic is not subject to minimum co-payment limits and is not used to satisfy your deductible.




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QUESTION: How can I save money by using generics when possible?


ANSWER:

Following are some examples of how you can save money by using generics whenever possible instead of name-brand drugs:
Medication
Retail - 30 Days Supply
Mail - 90 Days Supply
Approximate Cost
Your Cost
Approximate Cost
Your Cost
           
Brand - Zantac 150 mg
Brand
$50.90
$50.90
$133.25
$75.00
Generic - Rantidine 150 mg
Generic
$8.11
$8.11
$24.33
$10.00
 
 
 
 
 
 
Brand - Prozac 20mg
Brand
$64.91
$64.50
$171.80
$75.00
Generic - Fluoxetine 20 mg
Generic
$20.41
$10.00
$61.24
$10.00
 
 
 
 
 
 
Brand - Prinivil 10mg
Brand
$30.95
$30.95
$78.32
$41.85
Generic - lisinopril 10 mg
Generic
$18.82
$10.00
$56.47
$10.00
 
 
       
The above examples assume that the prescription drug deductible has been satisfied.




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