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CVS Caremark® defines future of pharmacy benefit management

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CVS Caremark pledges to accelerate transparency, drive to lowest net cost prescription drugs, strengthen pharmacy relations, and deliver the best clinical care in pharmacy

WOONSOCKET, R.I. /PRNewswire/ — CVS Caremark®, the nation’s leading pharmacy benefit manager and a CVS Health® (NYSE: CVS) company, today announced a renewed pledge to American businesses, unions, and health plans — building on what the company is doing to deliver greater transparency, lower drug costs, and better clinical care for the most utilized health benefit.

Pharmacy Benefit Management

“The way we have done our work over the past few decades has driven greater cost savings, better care, and more robust benefits for the Americans we serve,” said David Joyner, president of CVS Caremark. “Our work is rooted in greater simplicity and transparency for those who pay for pharmacy benefits, for people who take medicine, and for the pharmacies that serve our patients.”

The Caremark Client and Member Pledge includes our commitments to:

  • Deliver greater affordability. We are dedicated to driving affordability for prescription drugs. By continuing to promote generics, expand availability of biosimilars, and secure significant discounts on brand-name medications, we ensure Caremark members pay an average out-of-pocket cost of less than $8 for a 30-day supply of medicine. This proactive approach is at the heart of what we do.
  • Promote lowest net cost drugs. We provide choice to our clients who design the benefits that are best for their members, and as part of that work, we continue to promote and advocate for low-list price, low net cost drugs.
  • Strengthen the alignment between client benefit design, physician choice, and patient need. We will continue to drive transparent prescriber connectivity — with real-time updates on benefit and formulary changes to reduce delays. We continue to closely align to and advocate for client needs, patient needs, and doctors’ orders.
  • Innovate to drive greater transparency. Our new TrueCost™ solution aligns client and pharmacy reimbursement specific costs, provides greater transparency, and includes additional dispensing fees for the services pharmacists provide. We will continue to offer differential reimbursement to independent and rural community pharmacies to maintain member access. 
  • Encourage pharmacy models that deliver rebate value directly to patients. Today, 99% of rebates we negotiate are passed through to clients, which they use to pay down the cost of benefits. With our TrueCost model, we return savings to patients directly at the pharmacy counter, which we do for employees at CVS Health today.
  • Improve relations with pharmacies. We will make it easier to do business with us by building upon what we have done: proactively addressing pharmacy access through partnering with rural pharmacies, updating technology for seamless transactions, making reimbursement transparent, and delivering a consistent experience at the counter.
  • Change the trajectory of drug costs. Building on our history of standing with clients and consumers against pharmaceutical company price hikes, we will be the counterweight to stop price gouging. Through our formulary strategies to drive down costs, we continue to put medicine within reach — like breaking down the patent wall associated with high-priced Humira and providing insulin under $25 and broadly available to all Americans. We will do more.

“We all want affordable access to prescription drugs, and Caremark will continue to drive down costs, improve care, and accelerate transparency,” Joyner said. “For our thousands of clients and millions of Americans, Caremark is the difference between affording medicine and going without. We take our commitments to heart and will deliver on our promise to everyone we serve.”

About CVS Health

CVS Health® is the leading health solutions company, broadening access to care for millions of people nationwide. We improve the health of communities across America through our local presence, digital channels and with over 300,000 dedicated colleagues – including more than 40,000 physicians, pharmacists, nurses, and nurse practitioners. We support individuals with their health – whether that’s managing health conditions, staying compliant with their medications or accessing affordable health services in the most convenient ways. Our goal is to create seamless connections across the health care system, simplifying the experience and being a trusted partner for every meaningful moment of health. And we do it all with heart, each and every day. Follow @CVSHealth on social media. 

SOURCE CVS Health

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.

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Smart Gaming: How Parents Can Keep Kids Safe Online

Parents can enhance kids’ safety during online gaming by using privacy settings, researching games, enabling age checks, keeping personal information private, and utilizing parental controls and security tools.

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Last Updated on March 14, 2026 by Daily News Staff

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Smart Gaming: How Parents Can Keep Kids Safe Online

(Family Features) Playing video games can be a fun, social experience. However, online gaming also poses real risks, especially for kids. As a parent, you don’t necessarily need to be a gamer yourself to help keep your children safe when the controller is in their hands.

Consider taking proactive steps like these to create a healthy online gaming environment for kids of all ages.

Check System Privacy Settings
As a first line of defense – before your child even starts gaming – spend some time in the device or console privacy settings. Here you can turn off sharing, disable location tracking, limit microphone and camera access and restrict how other users can interact with your child’s profile. Similarly, many games and platforms include built-in privacy settings that can be tailored to your child’s age and online experience. These settings may allow you to limit who can view your child’s profile or send a friend request, message or voice chat.

Research Games
Because not all games are created equal, look up game ratings through a service such as ESRB before buying or downloading to understand the maturity level of the game and determine if it’s appropriate for your child. To take it a step further, read reviews from other parents or watch gameplay videos to see if you deem not only the content but also the social interaction acceptable.

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Use Facial Age Estimation
Online platforms are increasingly looking for ways to keep users safe, and that includes added levels of verification. As part of a multilayered approach to safety, Roblox is the first online gaming platform to require age checks for users of all ages to access chat features, enabling age-appropriate communication and limiting conversations between adults and minors. These secure age checks are designed to be fast, easy and secure using Facial Age Estimation technology directly within the app.

“Our commitment to safety is rooted in delivering the highest level of protection for our users,” said Matt Kaufman, chief safety officer at Roblox. “By building proactive, age-based barriers, we can empower users to create and connect in ways that are both safe and appropriate.”

Once age-checked, users are assigned to one of six age groups: under 9, 9-12, 13-15, 16-17, 18-20 or 21 and older, ensuring conversations are safe and age appropriate. Age checks are optional; however, features like chat will not be accessible unless an age check is completed. Chat is also turned off by default for children under age 9, unless a parent provides consent after an age check.

Keep Personal Information Private
It’s seldom a bad idea to be extra cautious when interacting with strangers online, even if they seem friendly enough while playing the game. Teach children what information not to share, including their full name, address, birthday, school name, phone number, email address, passwords or any photos that may contain any personal information (like a house number or school logo) in the background. Also encourage a screen name and generic avatar for added privacy.

Turn on Parental Controls
Designed to allow parents a supervisory role in their child’s online gaming experience, parental controls on many platforms include the ability to set schedules and limit playtime, restrict access to certain content or social features, require a password for purchases or set a spending limit.

Avoid Clicking Unfamiliar Links
Player profiles and in-game chats may include links to external sites, including those promising rewards or cheat codes. Because they can be used to gain access to personal information, remind your children to ask an adult before clicking any unfamiliar links while gaming so they can be verified as trustworthy.

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Employ Privacy and Security Tools
While system or console-specific settings allow parents to set content restrictions, approve downloads, manage friends lists and more, additional layers of security are sometimes necessary. Extra safeguards such as antivirus and internet security software, DNS (domain name system) filtering and two-factor authentication can also be enabled to help keep kids safe online.

For more tools to help parents make informed decisions and support their children’s gaming experience, visit corp.roblox.com/safety.

Photo courtesy of Shutterstock (father and daughter playing video game)

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Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.

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Lifestyle

Why the First Year Behind the Wheel is the Most Dangerous: Data Shows Teen Drivers 3 Times More Likely to be in Fatal Crash

Teen drivers are significantly at risk of fatal crashes, with those aged 16-19 being nearly three times more likely to be involved in accidents than older drivers. The first year of driving presents heightened dangers, but with proper preparation, including coaching, technology, and smart insurance, families can mitigate these risks and promote safety.

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Why the First Year Behind the Wheel is the Most Dangerous: Data Shows Teen Drivers 3 Times More Likely to be in Fatal Crash

Why the First Year Behind the Wheel is the Most Dangerous: Data Shows Teen Drivers 3 Times More Likely to be in Fatal Crash

(Feature Impact) The driver’s license photo may be slightly awkward, but the milestone is unforgettable. For families, a newly licensed teen means independence, busy schedules and a new set of responsibilities.

Motor vehicle crashes remain one of the leading causes of death for U.S. teens, according to the Centers for Disease Control and Prevention (CDC). Data from the National Highway Traffic Safety Administration shows drivers ages 16-19 are nearly three times more likely to be involved in a fatal crash than drivers 20 and older, per mile driven.

The statistics are serious, but they’re also manageable.

“With the right preparation, teen driving doesn’t have to feel overwhelming,” said Susan Irace, manager, divisional claims at Mercury Insurance. “Experience is what young drivers are building. Parents can help shorten that learning curve with structure, technology and smart coverage decisions.”

Why the First Year Matters

Federal safety data shows crash risk is highest in a teen’s first year of independent driving. Night driving, teen passengers and distracted driving increase that risk – while seat belts, graduated licensing laws and supervised practice significantly reduce it.

In 2023, more than 2,800 teens ages 13-19 were killed in motor vehicle crashes nationwide, according to the CDC. However, teen crash rates have declined over time thanks to safer vehicles, graduated driver licensing programs and greater awareness of distracted driving.

Ways to Reduce Teen Driving Risk

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The experts at Mercury Insurance encourage families to focus on preparation rather than panic.

1. Coach Early and Often

  • Log supervised driving time in different conditions – highways, rain, nighttime
  • Create a simple written driving agreement outlining expectations
  • Limit teen passengers during the first year
  • Make seatbelts non-negotiable

2. Let Technology Help

  • Choose vehicles with safety features like automatic emergency braking and blind-spot monitoring
  • Use telematics or safe-driving feedback tools to reinforce good habits
  • Activate smartphone “Do Not Disturb While Driving” settings

3. Review Insurance Before the Keys Change Hands

  • Add teens to your insurance policy promptly
  • Revisit liability limits to protect family assets
  • Ask about good student and driver training discounts

“Insurance is about preparation, not fear,” Irace said. “When families combine active coaching with the right coverage, they’re setting their teen up for safer miles ahead.”

Preparation Turns Risks into Confidence

The first solo drive is a milestone, but preparation determines what comes next. By pairing common-sense coaching with today’s vehicle safety technology and thoughtful insurance planning, families can support independence while managing risk responsibly.

For more teen driver safety tips and coverage guidance, visit MercuryInsurance.com/resources.

Photos courtesy of Shutterstock

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Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.

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Lifestyle

Building a Birdhouse: A Step-by-Step DIY Process

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Last Updated on March 13, 2026 by Daily News Staff

Building a Birdhouse: A Step-by-Step DIY Process

(Feature Impact) To add charm to your yard, encourage local wildlife and give you a front-row seat to nature, building a birdhouse is a simple weekend project that checks all of those boxes.

Building a Birdhouse

Seasoned DIYers and first-timers alike can follow this step-by-step guide to create a functional, welcoming birdhouse.

Step 1: Choose the Right Design
Start by deciding what type of birds you’d like to attract. Different birds prefer different house sizes and entrance types. A simple, classic birdhouse design makes the project beginner-friendly and works well for common backyard birds like wrens, chickadees and bluebirds. In general, plan for at least a 1-1 2/2-inch entrance hole, a 5-by-5-inch interior space and 2 inches or more of roof overhang.

Step 2: Gather Materials and Tools
Most DIY birdhouses can be built with basic materials and tools you may already have at home, including untreated cedar or pine wood, screws or nails, wood glue, sandpaper and exterior-safe paint as well as a measuring tape, pencil, saw and drill.

Step 3: Measure and Cut Wood
Measure and cut wood to make the front panel, back panel, two side panels, floor and roof. Then sand all edges for smooth assembly.

Step 4: Drill Holes
Using a hole-saw bit, drill the entrance hole into the front panel. Position it a few inches below the roofline to keep predators out. Next, drill 2-3 small drainage holes in the floor piece to prevent water buildup and help keep the birdhouse dry.

Step 5: Assemble the Birdhouse
Attach the side panels to the back panel using screws or nails. Add the front panel then secure the floor piece, slightly recessed, so rainwater can drain. Attach the roof last, making sure it slopes slightly to allow water to run off.

Step 6: Paint the Exterior
If you plan to paint your birdhouse, stick to neutral, nature-inspired colors. Light browns, soft greens or white help regulate temperature and blend into the environment.

Step 7: Mount Your Birdhouse
Once dry, place your birdhouse in a quiet, sheltered spot away from heavy foot traffic. Mount or hang it 5-10 feet off the ground, facing away from prevailing winds.

Visit eLivingtoday.com for more DIY project inspiration.

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Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.


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