Benefits Report
There are constantly changes in our benefits; our
members must stay informed to receive least out-of-pocket expense. When you
receive mailings from UAW, General Motors or one of the insurance carriers
you should read them so you stay informed. After reading the material if you
have any questions please contact the phone number listed in that letter or
your Union Benefit Representative.
Modifications to Prescription Drug
Coverage
Prescription drug changes are extensions of the
2003 GM Health Care Program for UAW represented members’ provisions and are
in keeping with items agreed to during the 2003 negotiations. They were
developed by GM with input from Medco (prescription drug carrier), as well
as independent outside pharmacy consultants and UAW representatives. These
changes are designed to help the Program continue providing high quality,
affordable prescription drug coverage. This is not related to the Memorandum
of Understanding between GM and the UAW, dated October 29, 2005, which was
ratified by the membership.
Effective February 1, 2006, additional medications
were added to the maintenance drug list. The list is being expanded to
include, for example, additional medications used to treat hypertension,
osteoporosis, diabetes, Parkinson’s disease and high cholesterol. Members
should have received a letter explaining the additions from Medco Health
Solutions Inc. with the current list attached. If you did not receive that
list and currently taking maintenance drugs you can find them by clicking
the link above this article or go to www.medco.com, or call the customer
service at 1-800-464-4679 plus your Union Benefit Representative will have a
copy.
Coverage of specified maintenance drugs is limited
to a maximum of three fills at participating retail pharmacy (each up to a
34-day supply). After three fills, you will have to pay the entire cost of
the medication if you continue to fill the prescription at retail. To avoid
paying more, you can choose to have your next prescription filled through
the Medco mail-order pharmacy. At mail order, you will be able to receive up
to a 90-day supply of medication for one co-payment. You or a covered
dependent may be taking one of these medications and have already filled a
prescription one or more times at a retail pharmacy. Remember that,
beginning with the fourth fill at retail, you will pay the entire cost of
the medication. When using Medco Mail-Order pharmacy first, ask your
doctor for a new prescription for up to a 90-day supply, plus refills for
one year as appropriate. Make sure you have a two-week supply on hand before
starting mail order. If not, ask your doctor for a 14-day prescription that
you can fill at a participating pharmacy so that you do not run out of
medication waiting for your mail-order prescription to arrive. Option 1-
You can mail your prescription to Medco. Mail the new prescription using
order form and postage-paid envelope. Your order will be delivered within 7
to 11 days after you mail the order. See your Union Benefit Rep. for the
form or call customer service (1-800-464-4679). Option 2- You can ask
your doctor to fax your prescription to Medco. Provide your doctor with your
member ID number (located on your medical ID card) and ask him or her to
call 1-888-327-9791 for instructions on how to use the fax service.
Your prescription order will be delivered within 5 to 8 days after your
doctor faxes the order. You can also download a form at www.gmbenefits.com
or contact your Union Benefits Rep.
Local 239 Benefit
Section encourages all members to use Mail-Order Pharmacy on medications
taken three or more months even if the medication is not on the "Maintenance
Drug List". This will reduce your co-payments for those medications.
Step Therapy, this
component encourages treatment that is consistent with evidence-based or
commonly accepted medical guidelines by having patients use acceptable
first-line therapies, instead of starting with more advance drugs or
therapy. It will apply to prescriptions for treatment of psoriasis (skin
rash) and to prescriptions for certain Rheumatoid Arthritis, but not limited
to these conditions. Some medications may not be covered unless you have
first tried another medication or therapy. If your doctor believes the
first-line, lower cost alternatives would not be effective treatment for
you; he or she can request a coverage review. To begin a coverage review,
ask your doctor to call Medco at 1-800-417-1764 between 8:00 a.m. and
9:00 p.m., Eastern Time, Monday through Friday. If you are submitting a
prescription at retail, your pharmacist will inform you that approval is
needed before prescription can be filled. The pharmacist will give you or
your doctor a toll-free number to call. If you are submitting a mail-order
prescription, a Medco pharmacist will contact the doctor for you. Your
doctor will receive a fax form to fill out and return. Medco will notify you
and your doctor by letter of the decision, usually within 2 days of
receiving all the required information.
Prior Authorization, this component is
designed to help confirm diagnosis and other clinical information before
medications are dispensed. It also acts as a safeguard to help ensure FDA-
approved, or commonly acceptable medical guidelines are followed for the use
of certain medications. Prior Authorization will be applied to certain drugs
prescribed to stimulate the formation of red blood cells, Alzheimer’s
Disease medications and anti-nausea medication prescribed for certain cancer
patients. If you were taking a medication before the effective date of this
change and it now require prior authorization, you will receive a letter
explaining that you will need a coverage review. You or your doctor can
initiate a review before the date indicated in the letter. This is the same
process as Step-Therapy. If neither you nor your doctor initiates a review
and you drop off the prescription at a retail pharmacy, the pharmacist
informs you that your medications need prior authorization. If you fill
the prescription without obtaining approval, you will pay the entire cost
for that prescription. However, if you receive approval later, you can
submit a claim for reimbursement. If you submit your prescription through
mail-order, a Medco pharmacist will contact your doctor to begin the review.
Restricted Coverage of Certain Gastro-Intestinal
Drugs, there is a class of drugs often prescribed for stomach problems
and known as Proton Pump Inhibitors or PPIs. In the future, Program coverage
will be limited to the generic omeprazole and brand Nexium. Generic
omeprazole is the preferred medication; however, if your physician indicates
a brand is necessary, then Nexium is the preferred medication. Because of
the high cost of brand name PPIs, the Program will no longer cover
Aciphex, Prevacid, Prilosec 40mg, and Protonix. This will help in the
effort to continue providing high quality, affordable prescription drug
coverage. If your doctor believes that the generic or Nexium are not
effective treatment options, he or she can request a coverage review. If the
coverage is approved, you will pay the brand name co-payment under your
plan. If coverage is denied, you will be responsible for the entire cost of
the brand-name drug if you decide to purchase it.
Restricted Coverage of Certain Anti-depressant
Medications, there is a class of drugs often prescribed for treatment of
depression and known as Selective Serotonin Reuptake Inhibitors or SSRIs.
Two brands SSRIs are Celexa (citalopram generic) and Lexapro. For first time
patients who have not used either product, coverage will be restricted to
generic citalopram. If you are already taking Lexapro, you will still
receive coverage at the appropriate co-payment. If you have not previously
been prescribed Lexapro but started taking it after March 1, you will be
responsible for the entire cost unless you agree to take the preferred drug,
citalopram. Because of the high cost of this medication, the Program will
not cover Lexapro in the future. Ask your doctor whether the generic
citalopram would be right for you. Other alternatives may also be available.
If your doctor believes that the alternatives would not be effective
treatment for you, he or she can request a coverage review. As before if
approved, you will pay the co-payment for brand-name drug. If coverage is
denied, you will be responsible for the entire cost if you still decide to
purchase it.
Dose Optimization, basically it is
preferable to take medications once a day, whenever appropriate and
possible. Sometimes doctors prescribe medications to be taken in lower
strengths but multiple times a day, when there is no clinical reason for not
taking a larger dose once a day. This can add unnecessary cost to the
Program and the patient will not achieve therapeutic results. If you or your
doctor believe that multiple doses is needed you or your doctor can request
a coverage review.
Prescriptions for Certain Cholesterol-lowering
Medications, there is a class of cholesterol-lowering drugs known as
Statins. These medications will be subject to Dose Optimization. The Program
will not cover certain brand-name drugs. The preferred alternatives are
Lipitor, Zocor and Pravachol, and generic lovastatin, which have been proven
to be effective treatments for people with the same condition, but at a
lower cost. If your doctor believes that the alternatives would not be
effective treatment for you, he or she can request a coverage review. As
stated above if approved you will pay the brand-name co-payment. If denied
and you still want to purchase the drug you will pay the entire cost.
Future Applications of "Rx Tools", other
forms are Length of Therapy (for example, limiting treatment of finger/toe
nail fungus to 3 months as approved in FDA labeling) and Appropriate
Quantity (for example, allowing 8 estrogen patches per retail and 24 per
mail-order script, since appropriate dosing is twice a week). 34-day and
90-day Provision edits, designed to identify quantities that appear to be in
excess of the amount considered usual for a 34- or 90-day supply, also may
be used. Identified inconsistencies would initiate a discussion between the
dispensing pharmacy/pharmacist and the prescribing physician prior to the
quantity being dispensed.
Over the past several months the International
Union have been discussing the issue of covering needles for BD pens for
drugs Byetta and Fortio. The company has agreed to start covering them as of
February 10, 2006.Recognizing that there were cases pending in the system;
they also agreed to cover them.
When using a participating hospital and you receive
a balance bill for anesthesia, radiology or pathology please contact your
Union Benefit Plans Rep. so they can submit a Hold Harmless Appeal to United
Healthcare. IF you make any type of payment to the provider you are
accepting financial responsibility and will owe the balance.
UAW/GM Legal Services (410-633-5600) can assist you
and your spouse with updating your will. This is recommended when you have a
life event, such as a birth/adoption of a child, death of a spouse, divorcee
etc. They also can help with estate planning for your parents, and your
spouse’s parents.
You can update your beneficiaries on your Basic,
Optional, Personal Accidental Life Insurance plus your Personal Savings Plan
online at www.gmbenefits.com or contact Fidelity Investments at
1-800-489-4646 to request a form. On your PSP account your spouse is
automatically your beneficiary unless she signs the waiver and has it
notarized which has to be returned to Fidelity Investments with your
beneficiary elections.
We are still having problems with Fidelity and
their administration of the Pension Plan it has only been 15 months since
they taken the contract over from the Pension Administration Center and they
still don’t understand how our plan works. When you receive your Medicare
card you have to call Fidelity (1-800-489-4646) to update that information
so you will be reimbursed $76.20 into your Pension check. This is only
reimbursed to the retiree or surviving spouse. If you are experiencing
problems with your pension check contact your Union Benefit Representative.
Jim Streets: 443-425-1584
FAX: 443-425-1468
10301 Philadelphia Road
White Marsh, MD 21162
Child Care/Elder Care Resource and Referral Service
vender has changed all active members should of received their brochure in
the mail. The new phone number is 1-888-733-3702 website
www.workfamilyprogram.com When accessing the website the Company Name: uawgm,
Password: helpnow. This program has been enhanced with new online classroom
an interactive whiteboard provides a suite of robust tools. The Convenience
and Concierge Service also has improvements convenience of purchasing
tickets, gifts, flowers etc. online.
Fraternally
Local 239 Benefit Section