Lifestyle
CVS Caremark® defines future of pharmacy benefit management
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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Consumer Corner
Reduce, Reuse, Rejoice: 5 Holiday Hacks for Eco-Friendly Celebrations
Discover 5 simple holiday hacks to reduce waste and celebrate sustainably. Learn how to plan meals, recycle food scraps, give greener gifts, and properly sort holiday waste while saving money this season.
Last Updated on December 5, 2025 by Daily News Staff

Reduce, Reuse, Rejoice: 5 Holiday Hacks for Eco-Friendly Celebrations
(Family Features) Holiday celebrations bring joy, laughter and lasting memories – but they can also leave behind a sleigh full of waste. From food scraps and empty bottles to wrapping paper and decorations, the season can leave your home full of items that could be reused or recycled. In fact, household waste increases nearly 25% between Thanksgiving and New Year’s Day, according to survey results from the Center for Biological Diversity. That’s a lot of leftovers, garland and glass that could be kept out of landfills. To help you cut down on trash and embrace a joyful, less-waste holiday season, the experts at CalRecycle offer these five holiday hacks to help you save cash and protect the planet.- Plan Meals to Waste Less and Save More
- Shop your pantry first to avoid buying what you already have.
- Buy only what you need and prepare recipes based on guest count.
- Choose local ingredients from sources like farmers markets that minimize packaging.
- Send guests home with leftovers in reusable containers or freeze extras for future meals.
- Recycle Food Scraps
- Not all food can be saved, but it doesn’t have to go in the trash.
- Compost fruit and vegetable trimmings, eggshells, coffee grounds and plate scrapings. Trashed food makes climate pollution in landfills. Recycle it in your green bin instead.
- Most California communities now offer green bin composting. Learn what goes in the green bin by visiting the Curb Your Food Scraps page on RecyclingReimaginedCA.com.
- Set out a clearly labeled “food scraps” bin next to your trash, as well as a recycling bin for bottles, cans and other containers so everyone can participate.
- Eat, Drink and Be Eco-Friendly
- Use reusable plates, cups and utensils instead of disposable options.
- Decorate with items you can use year after year or make compostable decor from natural materials.
- Collect empty wine, liquor, juice or other California Redemption Value (CRV)-eligible containers and cash them in once the party is over.
- Serve water in reusable pitchers or carafes instead of single-use plastic bottles.
- Give Greener Gifts
- Choose experiences over stuff, like tickets to events, museum or club memberships, registrations for classes or shared adventures.
- Wrap gifts in fabric, scarves or reusable tins. Or use recyclable paper without glitter or foil.
- Personalize presents with homemade crafts, baked goods or services that reduce packaging.
- Prioritize gifts from local and sustainable businesses that are committed to ethical sourcing, minimal packaging and recycled materials.
- Sort Holiday Waste the Right Way
- After the celebrations, check local recycling rules for how to properly dispose of:
- Batteries
- Holiday lights
- Christmas trees
- Drop off CRV-eligible beverage containers, such as wine and spirit containers, at your nearest recycling site for cash back.
- Donate unwanted gifts or gently used holiday items to local charities or thrift stores.
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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Family
5 Trending Holiday Looks for the Whole Family
Creating trendy ensembles when you just want to stay warm can be a challenge, but this season’s hottest looks make it easy to keep cozy while dressing up or down.
Last Updated on December 3, 2025 by Daily News Staff
(Family Features) Creating trendy ensembles when you just want to stay warm can be a challenge, but this season’s hottest looks make it easy to keep cozy while dressing up or down. Whether you’re aiming for style for a holiday celebration or planning an evening out to shop and take in the holiday lights, this season’s trends have you covered.
Stylish layers and updates to winter wardrobe staples are two keys to nailing this season’s on-trend looks, according to acclaimed American fashion designer Brandon Maxwell, who is collaborating with Walmart as creative director for Free Assembly and Scoop, the retailer’s exclusive, elevated fashion brands.
“Like many people across the country who live in a small town, Walmart was the destination for everything where I grew up, including holiday fashion,” Maxwell said. “When I first teamed up with Walmart, I was excited to bring the joy of fashion to people across the country. Everyone deserves to enjoy their holidays in clothing they love. This year, we are proud to offer the biggest trends in holiday fashion, from cozy outwear to glamorous party looks.”
Maxwell offers these tips for creating the perfect affordable look, no matter where your plans take you this winter:
Metallic Shine: Metallic sweater sets, like a boxy crewneck and matching mini skirt in a glitzy gold shade, are must-have pieces for the holidays. Wear the show-stopping set with matching gold earrings and platform sandals for a head-turning party look.
Layers of Style: Layer festive multicolor patterns in intarsia knits like this Free Assembly fair isle sweater with a plaid puffer jacket for an easy update to winter closet staples like lightly distressed jeans and booties.
Party Perfect: Sophisticated outerwear pieces like a double-breasted coat add a modern touch to classic holiday party looks. Pair with a berry-hued mini dress, black tights and black boots for a look that stands out. For a bit of edge, choose a faux moto jacket layered over a sequin cami top or metallic sweater to complement a faux leather skirt.
Casual Comfort: This season, menswear is all about intentional layering and looks that prioritize both comfort and style. Update vintage-inspired flannels by layering with a quilted puffer pullover and matching them with wintry prints and cargo joggers for a look that’s casual and put together all at once.
Little Lookers: Fashionable little ones can also get decked out this season. Colorful sparkly girl’s dresses from Scoop perfectly complement matching versions for women, ideal for family photos and mommy-and-me moments that make the season extra special. For a more casual event, fair isle sweater dresses in fun shades like lavender can make a classic look oh-so-now.
Find more festive fashion inspiration by visiting Walmart.com.
SOURCE:
Walmart
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Blog
The Substitute Teacher Who Wanted Blueprints of Our House
A fifth-grade assignment took a strange turn when a substitute teacher asked students to draw schematics of their homes. What followed — a wildly fictional floor plan and a priceless reaction from my mom — turned into one of my funniest childhood memories.
Last Updated on December 3, 2025 by Daily News Staff
The Substitute Teacher Who Wanted Blueprints of Our House
Elementary school memories tend to blend together — cafeteria pizza, playground arguments, the eternal struggle of times tables — but every once in a while, something happens that sticks with you for life. For me, that moment came in the fifth grade during a week when our regular teacher was out, and we cycled through substitute teachers like we were testing models for durability. By midweek, in walked a substitute with a mysterious, slightly intense energy — the kind of vibe that suggested he either meditated at dawn or worked a graveyard shift doing something he couldn’t talk about. We settled into our seats, expecting worksheets or quiet reading time. But nope. He had other plans. “Today,” he announced, “we’re going to draw schematics of our houses.” Schematics. Not drawings. Not little houses with smoke coming out of the chimney. Actual blueprint-style schematics. He wanted the layout of our bedrooms, our parents’ rooms, and where the pets slept. Every detail. Now, to be fair, Highlights Magazine did have a feature that month teaching kids how to draw floor plans. So maybe he was just a bit overenthusiastic about cross-curricular learning. Or maybe — and this is my completely rhetorical adult theory — he worked the graveyard shift as a cat burglar gathering intel between heists. Just moonlighting between blueprints. While the rest of the class tried their best to recreate their actual homes, my imagination sprinted in a totally different direction. The house I drew had:- A massive master bedroom with an oversized bathroom for my parents
- Separate bedrooms for us kids on the opposite side of the house
- A kitchen placed right in the center like a command center
- And the dog — the true VIP — had a luxurious two-story doghouse
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