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PRESCRIPTION COVERAGE





            Program

            A prescription drug program is offered as part of your health
            care  benefits.  This  program  covers  both  non-maintenance
            and  maintenance  prescription  drugs  dispensed  by  either
            pharmacy or designated mail service
                                                                                    Medicare Part D
            Retail Program                                                   The  company’s  prescription  drug

            The  retail  program  provides  up  to  a  31-day  supply  of    plan  is  creditable  coverage.  That
            medication. Simply present your ID card at a participating       means  it  meets  and  exceeds
            pharmacy  nationwide  and  pay  the  appropriate  co-pay  or     Medicare Part D requirements and
                                                                             the  benefits  offered  by  most
            coinsurance amount for your  medication.                         Medicare  Part  D  plans.  If  you  are
                                                                             eligible  for  Medicare,  you  may

            Mail Order Program                                               continue   to    receive   your
                                                                             prescription  drugs  under  this  plan.
            The  mail  service  program  is  a  convenient  way  for  you    You  do  not  need  to  enroll  in  a
            order  medications.  Your  prescription  is  reviewed  and       separate Medicare D drug plan.
            dispensed  by  registered pharmacists and mailed directly to
            your home.


            Maintenance Drugs
            Up  to  a  90-day  supply  of  maintenance  drugs  is
            available  through  the  mail  order  pharmacy.  Maintenance
            medication is a prescription drug anticipated to be required
            for  6 months or more to treat a chronic condition.









                                PPO Prescription Plan                           In-Network


                                                                          $150 Individual Deductible
                    Prescription Drug Deductible                            $450 Family Deductible
                                                                            (separate from medical)

                                                                                $20 Generic
                    Retail: 31-Day Supply                                        $30 Brand
                                                                           $60 Non-Formulary Brand

                                                                                $40 Generic
                    Maintenance Drugs through Mail Order: 90- Day
                    Supply                                                       $60 Brand
                                                                          $120 Non-Formulary Brand





        2023 Down East Wood Ducks Benefit Guide                                                                Page 8
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