CVS Caremark manages the Citigroup Prescription Drug Program (Program) for participants in the In-Network Only Plan, Choice Plan (formerly known as the "ChoicePlan 500") and High Deductible Plan with HSA (formerly known as the "High Deductible Health Plan"). The Citigroup Prescription Drug Program is a component of the Citigroup Health Benefits Plan.

Prescription drug benefits for HMOs are provided through the HMOs and are not included here. Contact your HMO for information about its prescription drug benefits.

CVS Caremark covers Food and Drug Administration (FDA)-approved (federal legend) medications that require a prescription from your physician. The Program will also cover certain over-the-counter (OTC) products with a prescription in compliance with the Affordable Care Act . Keep in mind that your Health Care Spending Account can be used to reimburse the cost of non-covered over-the-counter products. If you have any questions about whether a medication is covered, call CVS Caremark Customer Care at 1 (844) 214-6601.

CVS Caremark offers three ways to purchase prescription drugs:

You will pay a deductible, as shown in "Prescription Drug Benefits at a Glance", for drugs purchased at a retail pharmacy, through Mail Service or Maintenance Choice, or through the CVS Specialty Pharmacy before the Program will pay benefits. You will never pay more than the cost of the drug.