Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield AssociationTable of ContentsAbout This Guide and Online Resources1Mail Service Pharmacy2Your Pharmacy Cost Share and ID Card2Top Covered Medications Over-the-Counter Medications Quality Care Dosing Prior Authorization Specialty Pharmacy Medications Step Therapy Non-Covered Medications Medication Resource List Index New Medication Approval Process Your Pharmacy ProgramEffective January 1, 2015

OverviewPharmacy Program OverviewOur pharmacy program is designed to provide you andyour doctor with access to a wide variety of safe, clinically effective medications. We have carefully developed asubstantial formulary that includes many medications ataffordable cost share levels. About This GuideThis guide is up-to-date as of January 1, 2015, and is subject to change. Keep this guide handy, and use it as a reference whenever you need coverage information about a specic medication. To get the most current coverage information about a specic medication, visit our website atwww.bluecrossma.com/pharmacy. Top Covered Medicationsincludes many commonlyprescribed covered medications and your cost share tierthat applies Over-the-Counter Medicationsincludes a list ofover-the-counter medications that are covered whenprescribed for you by your doctor Quality Care Dosingincludes a list of medicationssubject to Quality Care Dosing limits Prior Authorizationincludes a list of medicationsthat require Prior Authorization Specialty Pharmacy Medicationsincludes a list ofmedications that are available through pharmacies in theSpecialty Pharmacy Network Step Therapyincludes a list of medications subject toStep Therapy Medication Resource List Indexincludes all prescriptionmedications listed in this booklet, along with the page(s)on which they can be foundOnline ResourcesFrom our main website, www.bluecrossma.com, to the www.express-scripts.com website, we offer a varietyof online resources to help you manage your medications. Search for Medication Information. To learn whetheryour medications will be covered, you can visitwww.bluecrossma.com/pharmacy, and use theMedication Look Up feature, listed on the left-hand sideof the page. You can use this tool before you enroll. (Themedication information represents our standard pharmacycoverage; your individual coverage may vary.) Our 2015formulary changes will not be reected in this tool untilJanuary 1, 2015. Member Central. Want more detailed information aboutyour health care coverage, claims, or deductibles? You canlog on to Member Central by going to our website,www.bluecrossma.com/member-central. To register, click Create an Account, on the upper right-hand sideof the page.If youre already registered, just log in with your user name and password. Express Scripts Online. Once registered with MemberCentral, you can also get immediate, online access toinformation about your specic pharmacy benet byvisiting Express Scripts Inc., (ESI), our pharmacymanagement partner, at www.express-scripts.com.Once there, youll have access to:Price a Drug Find a PharmacyMail Service features (which allow you to order rells and renew prescriptions)

OverviewMail Service PharmacyWith the Mail Service Pharmacy (administered by ESI), you can enjoy the convenience of having certain prescriptionsdelivered to you. Depending on your specic coverage, you can use the Mail Service Pharmacy to order up to a 90-day supply of certain long-term maintenance medications(like those used to treat high blood pressure), for less than you may normally pay at a retail pharmacy.Its convenient, cost-effective, and all information is handled in accordance with our condentiality policy.If you would like to use the Mail Service Pharmacy, you can download an order form and nd additional information on our website. Go to www.bluecrossma.com/pharmacy and choose Mail Service Pharmacy from the menu on the left-hand side. If youd like our Mail Service Pharmacy brochure mailed to you, please call 1-800-262-BLUE (2583).Your Pharmacy Cost ShareOur pharmacy program formulary is based on a tiered cost share structure. When you ll a prescription, the amount you pay the pharmacy (your prescription cost share) is determined by the tier your medication is on. Medications are placed on tiers according to a variety of factors, including what they are used for, their cost, and whether equivalent or alternative medications are available. The pharmacy will advise youof the amount you owe. Usually, you will pay the leastamount of cost share for Tier 1 medications and the mostfor Tier 3 medications.Your cost share may include your copayment, co-insurance, and deductibles. For more about your specic prescription benets, review the information in your benet literature, which you should have received when you enrolled in your plan, or call the Member Service number listed on the front of your ID card, Monday through Friday, 8:00 a.m. to 9:00 p.m. ET.Your ID CardYour ID card contains important information about your pharmacy benets. Be sure to bring the card with you and give it to your pharmacist when you ll a prescription.A sample ID card is shown below.3Your Pharmacy Cost ShareOur pharmacy program formulary is based on a tiered cost share structure.When you ll a prescription, the amount you pay the pharmacy (yourprescription cost share) is determined by the tier your medication is on.Medications are placed on tiers according to a variety of factors, including whatthey are used for, their cost, and whether equivalent or alternative medicationsare available. The pharmacy will advise you of the amount you owe.Usually, you will pay the least amount of cost share for Tier 1 medications andthe most for Tier 3 medications.Your cost share may include your copayment, co-insurance, deductibles,and maximums. For more about your specic prescription benets, review theinformation in your benet literature, which you should have received whenyou enrolled in your plan, or call the Member Service number listed on the frontof your ID card, Monday through Friday, 8:00 a.m. to 9:00 p.m. ET.Your ID CardYour ID card contains important information about your pharmacybenets. Be sure to bring the card with you and give it to your pharmacistwhen you ll a prescription. A sample ID card is shown below.SAM SAMPLEXXH123456789MEMBER SUFFIX: 00HMO BlueTMCopaysOV 15BH 15 ER 40Member Service1-800-000-0000RxBin: 003858 PCN: A4RxGRP: MASASMPL Lr S r Ser ervv Se Serv rv r Se r Serv rv0- 0-000 000-0 -0 00 000 000 00 00 000 000 00 00 000 000 00RxBin RxBin: 0 : 00385 03858 P 8 P RxBin RxBin: 0 : 00385 038588 RxBin:RxBin: 00 00385 385RxGRP:RxGRP: MM RxGRP: RxGRP: RxGR RxGR

Top Covered MedicationsTop Covered MedicationsOur pharmacy formulary includes over 4,000 coveredprescription medications. The following sample list includes covered medications most commonly prescribed forour members.This list is up-to-date as of January 1, 2015, and is subject to change at any time. You can nd the most up-to-date information about a specic prescription medication on our website at www.bluecrossma.com/pharmacy.Please note that this is a sample of top prescribed medications based on our standard formulary. For more information about your specic prescription benets, review the information in your benet literature, which you should have received when you enrolled in your plan, or call the Member Service number listed on the front of your ID card.The following covered medication list is based on ourstandard formulary. The tier that is assigned to the drugis the tier used in a three-tier cost share benet structure.For members with a two-tier or four-tier cost share benefit structure, please log on to the Blue Cross and Blue Shield web site at www.bluecrossma.com/pharmacy and use the Medication Lookup feature.

For non-grandfathered health plans under the Affordable Care Act, the following list includes over-the-counter medications that are covered with no cost share when they are prescribed for you by your doctor. This list is up to date as of January 1, 2015, and is subject to change at any time.Generic Aspirin (81mg) is covered for females age 5579 and males age 4579.Generic Folic Acid is covered for females up to age 50.Generic Iron is covered for infants up to 12 months old.Generic Smoking Cessation is covered for up to two 90-day supplies per calendar year.Generic Vitamin D is covered for females of child bearing age and males age 65 and older.Generic womens contraceptives (e.g. female condoms, sponges, and spermicide) are covered.

Quality Care DosingQuality Care DosingOur Quality Care Dosing program helps to ensure that the quantity and dose of medications you receive comply with Food and Drug Administration (FDA) recommendations, as well as manufacturer and clinical information. When you lla prescription for one of the following medications, it is checked electronically in two ways: Dose ConsolidationChecks to see whether youre takingtwo or more pills a day that can be replaced with one pillproviding the same daily dosage. Recommended Monthly Dosing LevelChecks tosee that your monthly dosage is consistent with themanufacturers and FDAs monthly dosingrecommendations and clinical information.We will get your doctors approval before making any changes to your prescribed medications.For the most up-to-date list of medications subject toQuality Care Dosing, along with associated dosing limits, please visit our website at www.bluecrossma.com/pharmacy and proceed to the Quality Care Dosing section.Please note: Your doctor may request an exception fromthe guidelines for medications that are subject to Quality Care Dosing (when medically necessary).Quality Care Dosing ListThis list of medications that are in our Quality Care Dosing program is up-to-date as of January 1, 2015, and may change from time to time.

Prior AuthorizationPrior AuthorizationYour doctor is required to obtain prior authorization before prescribing specic medications. This ensures that yourdoctor has determined that this medication is necessaryto treat you, based on specic medical standards.For the most up-to-date list of medications thatrequire prior authorization, please visit our website,www.bluecrossma.com/pharmacy, click on Pharmacy Management Program, and proceed to Prior Authorization.Another part of our prior authorization program is step therapy. Please refer to page for a list of medications that require step therapy.Prior Authorization ListThis list of medications that require prior authorization is up-to-date as of January 1, 2015, and may changefrom time to time.19

Specialty Pharmacy MedicationsSpecialty Pharmacy MedicationsBlue Cross Blue Shield of Massachusetts has set up anetwork of retail specialty pharmacies to dispense certain medications classied as specialty. The following is alist of medications that can only be purchased from oneof the pharmacies in this network in order for coverageto be available.This list is up-to-date as of January 1, 2015. You cannd the latest information about your medications and look up pharmacy contact information by visitingwww.bluecrossma.com/pharmacy.Network Pharmacy InformationAcariaHealth 1-866-892-1202 www.acariahealth.comAccredo Health Group, Inc. /CuraScript 1-877-988-0058 www.accredo.comCVS Caremark, Inc. 1-866-846-3096 www.caremark.comOncoMed, the Oncology Pharmacy 1-877-662-6633 www.oncomed.netNetwork Pharmacy Information for Medications Most Commonly Used for Fertility BriovaRx 1-800-850-9122 www.briovarx.comFreedom Fertility Pharmacy 1-866-297-9452 www.freedomfertility.comMetro Drugs 1-888-258-0106 www.metrodrugs.comVillage Fertility Pharmacy 1-877-334-1610 www.villagefertilitypharmacy.comWalgreens 1-800-424-9002 www.walgreens.com/pharmacy/specialpharmacy.jsp

Step TherapyStep TherapyStep therapy is a key part of our prior authorization program that allows us to help your doctor provide you with an appropriate and affordable drug treatment. Before coverageis allowed for certain costly second-step medications,we require that you rst try an effective, but less expensive, rst-step medication. Some medications may havemultiple steps.Step Therapy ListThis list is up-to-date as of January 1, 2015, and is subjectto change at any time. For the most up-to-date list ofmedications that require step therapy, please visit our website www.bluecrossma.com/pharmacy, click on Pharmacy Management Program, and proceed to Step Therapy.

Non-Covered MedicationNon-Covered MedicationYour pharmacy program provides coverage for over 4,000 prescription medications. Most medications on our non-covered list have equally safe, effective, covered alternatives for treating the same medical conditions. If a non-covered drug is approved, it will be covered at the highest tier or cost share. Check with your doctor about appropriate alternatives if you currently take any of these medications.Please note: Your doctor may request coverage for a non-covered medication if no covered alternative is appropriate for treating your condition.Non-Covered Medication ListThis list of non-covered medications is up-to-date asof January 1, 2015, and may change from time to time. For the most up-to-date list of medications that are not covered and their covered alternatives, please visit our website, www.bluecrossma.com/pharmacy, click on Medication Look Up, and proceed to the Medicationsthat are not Covered section.

Medication Resource List Index

New Medication Approval ProcessNew Medication Approval ProcessOur Pharmacy and Therapeutics Committee, which ismade up of pharmacists and doctors of various specialties,reviews the effectiveness and overall value of new medications approved by the FDA on an ongoing basis.The Committee provides expertise and advice to help usgive our members prescription drug options that meettheir medical needs and achieve desired treatment goals.Approved medications are added to our formulary as they are approved by our Pharmacy and Therapeutics Committee throughout the year.While under review, new medications will not be coveredby your plan. As with other medications that are not covered, your doctor may request coverage when medically necessary. If a non-covered drug is approved, it will be covered at the highest tier or cost share.

Registered Marks of the Blue Cross and Blue Shield Association. 2014 Blue Cross and Blue Shield of Massachusetts, Inc., and Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc.#14166555-0071 (10/14)