Overview

When you enroll in any of the medical plans offered by the company, you will automatically receive prescription drug coverage through Express Scripts.

Please refer to the following table for an overview of the prescription drug benefit.

Additional Details

Comprehensive information about this benefit plan is contained within the Medical Benefit Plan Summary (PDF). In addition, below are is some important information about this plan:

• Mail Order/Preferred Home Delivery: If you take maintenance prescriptions for ongoing conditions or needs (e.g., asthma, diabetes, birth control, high cholesterol, hypertension, arthritis), you should consider using the mail order pharmacy. The mail order pharmacy provides the convenience of up to a 90-day supply, lower prices, home delivery, no shipping charges and a phone line that is staffed by pharmacists 24 hours a day 365 days a year.
  
  Use of the mail order pharmacy is voluntary and not required under the Travelers' medical plans; however, you will see a cost savings by using this preferred method. Travelers' medical plan prescription drug coverage is subject to the Preferred Home Delivery policy.
  
  
• Generics Preferred Policy: The Generics Preferred policy encourages purchase of generic medications by offering a cost savings. The Generics Preferred policy will apply to all prescription classes with the exception of Coumadin and Synthroid.
  
  
• Formulary Prescription Drugs: A formulary is a list of U.S. FDA-approved prescription drugs that are on Express Scripts' preferred list. They include both generic and brand name drugs that are considered to be as safe and effective as other drugs that can be prescribed for the same condition. Preferred brand name and generic medications listed on the formulary have lower coinsurance amounts and therefore can save you money.
  
  If you would like to take advantage of this cost savings, simply bring a copy of the formulary with you when you visit your doctor (sorted by condition or sorted alphabetically) so that they can pick a drug from the list whenever possible. Also, ask for generic drugs versus brand name drugs whenever they are available and are appropriate for your condition.
  
  Please keep in mind that the formulary is updated quarterly for additions and annually for deletions. Also, this list is not intended to be an all-inclusive list of covered drugs and does not guarantee coverage.
  
  To access an exhaustive list of covered medications, please visit www.express-scripts.com. If you have questions regarding the status of a medication, contact Express Scripts customer service at 877.494.7472.
  
  
• Specialty Medicine Program - CuraScript: Specialty medications are covered up to a 30-day supply through Express Scripts specialty medication pharmacy company, CuraScript. A partial list of conditions that may result in these specialty medications includes arthritis, cancer, hepatitis, infertility, migraines, RSV and multiple sclerosis. Under the specialty program, members are allowed two initial fills per medication at a local retail pharmacy. After that, the medications will be filled via the CuraScript mail order pharmacy.
  
  Specialty medications are subject to the same coinsurance (minimums and maximums) as retail prescriptions with the exception of infertility medications which are covered at 50 percent except for the High Deductible Plan. If you have questions, contact CuraScripts at 800.278.0980.

Eligibility

Employees who enroll in any of the medical plans offered by the company will automatically receive prescription drug coverage through Express Scripts. Your dependents are also eligible for prescription drug coverage if you cover them under one of the Travelers medical plans. Click here for more information about dependent eligibility.

Note: You can elect to cover a domestic partner, and your domestic partner's dependents as qualified dependents under Section 152 of the IRC. If your partner and dependents qualify, your contributions for domestic partner medical coverage will be provided on a pre-tax basis. If your partner and their dependents do not qualify, you'll pay for their medical coverage on an after-tax basis.

For additional information regarding eligibility, please refer to the eligibility section of the Medical Benefit Plan Summary (PDF). If you have questions, contact the Employee Services Unit (ESU) at 4-ESU@travelers.com or 800.441.4378.

Cost

The cost of prescription drug coverage through Express Scripts is included in the cost of the Travelers medical plan coverage that you elected.

Related Programs & Resources

You can visit the Express Scripts Preview Web site to learn more about the plan, the pharmacies available in your area, the formulary brand name medications, and the projected 2008 coinsurance for medications.

If you are currently enrolled in a Travelers medical plan, you can register on www.express-scripts.com. This site provides you with access to your prescription history, a pharmacy locator, the Price Check tool and transactional support for mail order prescriptions.

How to Enroll

Employees who enroll in any of the medical plans offered by the company will automatically receive prescription drug coverage through Express Scripts.

FAQs

FAQs on the Preferred Home Delivery Program (PDF)

FAQs on the Generics Preferred Program (PDF)