Nonpreferred brand-name drugs (Tier 3 - those not listed on the Fund’s formulary) have the highest copays.Īt the pharmacy, if your doctor has not indicated that the pharmacist must dispense a brand-name drug, you will get a 30-day supply of a generic drug for $5 provided there is one available. You can save money by using generics (Tier 1) or preferred-brand medications (Tier 2) whenever possible, but this is a decision between you and your doctor. The Welfare Fund has a three-tier copay structure for generic, preferred-brand and nonpreferred-brand medications. These drugs have the annotation PA (prior authorization) next to them on the drug formulary (which lists generic and preferred brands covered by the Welfare Fund). Prior authorization requires your physician to call a toll-free number (80) to make the request to cover these drugs before they can be dispensed.
In addition, certain drugs require “prior authorization” to make sure the therapy and dosage are within federal guidelines. These drugs are indicated as STP (step therapy) on the formulary. If your doctor finds that the first-line medication is not working well, you will be allowed to try another preferred brand or nonpreferred brand-name drug. This may require that you try a first-line medication (usually a generic or an over-the-counter medication). However, there are certain maintenance drugs, such as narcotics or controlled medications, which can only be dispensed in a 30-day supply at the local pharmacy.Ĭertain drugs require “step therapy,” which applies to first-time users of a medication. Typically, you will use the Express Scripts Home Delivery service because you will save money and convenient delivery is made to your home. Maintenance drugs are those that are taken over extended periods of time, such as antihistamines for allergies or drugs for high blood pressure. Your local pharmacy dispenses this type of drug to you.
There are two types of drugs: acute illness drugs and maintenance drugs.Īcute illness drugs are those you need immediately, such as an antibiotic. In fact, after enrolling in the Welfare Fund, newly enrolled members who are awaiting their Welfare Fund Express Scripts Prescription ID drug cards can purchase the prescription drugs they need and, once their cards arrive, submit the original receipts to the Welfare Fund for reimbursement. There are no waiting periods for this coverage. VP for Career & Technical Education High SchoolsĪll eligible in-service UFT members and their dependents have prescription drug coverage through the UFT Welfare Fund. We are a hands-on company, invested in your peace of mind.Pension for regular subs and part-time adult ed teachers Whichever policy you choose with PICA, we will be there to serve your needs. Property Insurance Company of America (PICA) is a reactive partner we listen to your questions and needs and respond as quickly as possible. We offer complete homeowners’ insurance, as well as Wind Only insurance to our customers. Our company was founded on the Mississippi Gulf Coast, and we understand the nuances and complexity of finding quality coastal insurance. Property Insurance Company of America was founded with a goal of providing home owners with quality home insurance that fits the needs of coastal communities. – Ned Dolese, President/CEO Property Insurance Company of America Why should your homeowners insurance be any different? Property Insurance Company of America gives you those choices.”
You have choices in how you purchase everything. “There’s a new day dawning all across America.
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