2017 Aflac Incorporated Benefits Guide

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REQUESTING LOWER-COST GENERIC
MEDICATIONS
Want to save money? You may ask the pharmacist to substitute
an exact generic medication for your prescribed brand
medication if a generic is available. This is allowed if your doctor
does not specify dispensing only the brand-name medication,
because pharmacies must fill prescriptions exactly as written.
Generic drugs are less expensive than brand-name medications
because manufacturers don’t have to bear the costs of
developing and bringing a new drug to market. Today, almost
half of all prescriptions are filled with generic drugs.
USING THE MAIL-ORDER PHARMACY
➤➤Mail-Order Pharmacy
To use the mail-order service, ask your doctor to write
a prescription for a 90-day supply (with any appropriate
refills). Mail the prescription to CVS/Caremark with a
completed order form available at
.
➤➤Need a prescription filled right away? Ask your doctor to
write two prescriptions for your long-term medicines: the
first for a short-term supply to be filled quickly at a retail
pharmacy, and the second for the maximum 90-day
mail-order supply with any appropriate refills.
➤➤Mail-Order Conveniences
• Extended supply of medicine.
• Lower cost compared to multiple retail refills.
• Delivered where you want: home, local pharmacy
or even vacation address.
PRIOR AUTHORIZATION FOR SPECIFIC
DRUGS AND MEDICAL CONDITIONS
Your doctor must receive prior authorization from CVS/
Caremark when prescribing certain covered drugs approved
by the Food and Drug Administration for specific medical
conditions. The approval criteria are based on information
from the FDA and manufacturers, medical literature, actively
practicing consultant physicians and appropriate external
organizations. Approval of a prescription is good for one year,
after which your doctor may submit a new approval request.
SPECIALTY RX PROGRAM
Some chronic or genetic conditions require injected or infused
medicines, and sometimes oral bio-chemical medications.
CVS/Caremark provides such products — as well as special
patient support — directly to plan participants through its
Specialty Rx Program. Specialty Rx prescriptions are not filled
at retail pharmacies. For coverage on these products, you
must be preapproved by and participate in the Specialty
Rx Program.
For a comprehensive list of specialty prescription drugs, go
to www .
If you or an enrolled family member is being treated for any of
the following conditions, call CVS/Caremark at 866-818-6911
to find out if a prescription from your doctor requires prior
authorization through the Specialty Rx Program.
➤➤Alzheimer’s.
➤➤Amphetamines for ADD or ADHD (over age 18 only).
➤➤Growth-hormone deficiency (Step therapy and use of
preferred brand for growth hormones is required).
➤➤Hemophilia.
➤➤Hepatitis C.
➤➤Multiple sclerosis.
For More Information About:
➤➤The Aflac Health Plan:
Visit or call 888-893-6366.
➤➤Prescription drug coverage:
Visit or call 866-818-6911.
➤➤All of your Aflac benefits: Go to