Prescription Drug Benefits

Learn more about eligibility and enrollment for all Health and Benefit Trust Fund plans.

Membership ID Card

When you become eligible to participate in the Health and Benefit Trust Fund Prescription Drug Plan, you receive a membership card from CVS Caremark. Your card has your member ID, group ID and important contact information. If you do not receive a card from CVS Caremark after becoming eligible or need to print a temporary ID card, visit CVS Caremark's website or contact the Fund Office.

Retail pharmacies - 30-day short term prescriptions 

Your plan's retail pharmacy network has thousands of retail pharmacies - including national chains and most independent pharmacies. For a complete list of participating retail pharmacies, visit CVS Caremark or call 833-269-9417. 

Find a Network Pharmacy

To find a CVS Caremark network pharmacy in your area, visit the CVS Caremark website. You must register the first time you visit the site.

The Prescription Drug Plan covers many prescription drugs, including brand-name and generic medications. Maintenance drugs, or drugs taken for chronic conditions, are also covered under the Plan.

A complete list of covered prescription drugs is found in the CVS Caremark Formulary. A formulary contains prescription drugs that the Plan Benefit Manager (in this case CVS Caremark) and prescription drug manufacturers have agreed to sell at discounted prices.

• You can view the OptumRx formulary at caremark.com. Check to see if any medication you currently take is on the formulary. If your medication is not on the formulary, speak with your doctor right away.

As a participant in the Prescription Drug Plan, you share the cost of your prescription medications with the Health and Benefit Trust Fund.

When filling a prescription, you pay a copayment, or a small, one-time fee. The amount of your copayment depends on the amount of medication prescribed and whether your prescription is for a generic drug, a brand-name drug found on the formulary or a brand-name drug not found on the formulary.

There is very little difference between generic and brand-name prescription drugs. Drug companies that manufacture brand-name drugs hold a patent for their medications.

When the patent expires, other companies manufacture the same drug, but these are called generic drugs. The FDA makes sure the generic medicine has the same clinical effect and is just as safe as the brand-name product.

Generic drugs cost substantially less to manufacture than brand-name drugs, meaning they cost less for you to purchase.

Ask your doctor if a generic alternative can replace your brand-name prescriptions.

Typically, an In-Network provider files your prescription drug claims for you. However, if you have to file your own claim, you can download and fill out the CVS Caremark claim form. You must file your claim within one year of the date that the charges are incurred.

CVS Caremark's website lets you order prescriptions online and learn about your medication. The site is available 24/7. At the CVS Caremark website you can:

• Order and refill your prescriptions online
• Find a network retail pharmacy
• Learn about different prescription drugs
• Chat with a licensed pharmacist and ask questions
• Look up your prescription drug claim history

To access the site, visit caremark.com. To register, use your member ID found on your CVS Caremark ID card.

For more information on how the Prescription Plan works and what CVS Caremark covers, contact CVS Caremark directly at 833-269-9417 or log onto caremark.com. You may also visit the SPD for Actives and Retirees in the Commercial Division or the SPD for Actives and Retirees in the School Division or contact the Fund Office.