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.
5 Habits to Boost Immunity During Cold and Flu Season
(Feature Impact) Your immune system is your strongest ally during cold and flu season, working hard to keep you healthy as you start hearing those telltale coughs and sneezes all around. Help your body do its job well by adopting a few simple habits that naturally support its ability to fight off germs or recover faster.
Talk to your healthcare provider for personalized advice then work on making these habits normal in your household.
Get Regular Exercise
Exercise is like a wonder drug that can improve nearly every aspect of health and wellness. Physical activity increases blood flow, reduces long-term inflammation, helps immune cells circulate through the body to guard against invaders and may even flush bacteria out of your lungs and airways. Plan to fit at least 150 minutes of moderate exercise into each week, like a bike ride, brisk walk, yoga class or on-demand video workout.
Eat Foods That Support Immune Health
To keep your immune system fueled, experts recommend eating a varied diet featuring plenty of fruits, vegetables, nuts, seeds, whole grains and healthy fats like olive oil. Consider adding fresh grapes to your diet to enjoy benefits from their naturally occurring plant compounds.
Protecting the body starts all the way down at the cellular level, and grapes contain powerful polyphenols that support the health and function of cells. Studies indicate certain compounds in grapes, like resveratrol and flavonoids, support immune system function as well as brain, skin, GI and heart health.
These little fruits are easy to add to your diet, whether you enjoy sweet, juicy Grapes from California by the handful or toss them in a blender to make this California Grape Wellness Juice recipe. Support multiple aspects of wellness with the drink’s powerful combination of fruits and vegetables, delivering a variety of immune-boosting vitamins, minerals and antioxidants.
Stay Hydrated
Drinking enough water helps clean your lymphatic system, which is responsible for producing special white blood cells that fight germs. It also keeps membranes in your nose and mouth moist, decreasing infection risk. If you struggle to drink enough, eating water-rich foods like grapes also helps you improve hydration.
Practice Good Germ Hygiene
To increase your odds of staying healthy during peak illness season, hearken back to the tried-and-true hygiene advice your parents might have tried to drill into your head as a kid. Regularly wash your hands with warm water and soap, avoid touching your face while out and about, keep your distance from symptomatic people and disinfect commonly used surfaces like doorknobs when someone in the house or office is sick.
Sleep More, Stress Less
Before you start feeling stressed that you aren’t getting enough sleep, rest assured there are easy changes you can make to support your well-being in both areas. Try switching up your nightly routine to be oriented less around screens and more around calming activities that actually help you wind down, like yoga, meditation or reading.
Discover more health information and recipes at GrapesFromCalifornia.com.
California Grape Wellness Juice
Servings: 3 (1 cup each)
- 5 cups black or red Grapes from California
- 1/2 cup peeled raw beet slices
- 3/4 cup orange juice
- 1/4 cup lemon juice
- 1 small carrot, peeled and sliced
- 1 piece fresh turmeric (1-inch), peeled and sliced or1 teaspoon ground turmeric
- In high-speed blender, puree grapes, beet slices, orange juice, lemon juice, carrot and turmeric until smooth.
- Pour through fine mesh sieve, stirring to extract as much juice as possible, about 3 cups. Stop when mixture starts to get thick. Enjoy immediately or cover and refrigerate until ready to serve.
Notes: This juice can also be added to iced tea or fizzy water.
Nutritional information per serving: 230 calories; 3 g protein; 58 g carbohydrates; 0.5 g fat (2% calories from fat); 0 g saturated fat (0% calories from saturated fat); 0 mg cholesterol; 35 mg sodium; 0 g fiber.
SOURCE:
California Table Grape Commission
Food and Beverage
A Lesson in Kindness, Inclusion and How Kids Eat Differently
Kids Eat Differently: The school year brings new classmates, routines and opportunities for children to learn about people whose experiences may be different from their own. They could include friends who use a wheelchair, carry an inhaler or even receive nutrition through a feeding tube.
A Lesson in Kindness, Inclusion and How Kids Eat Differently
(Feature Impact) The school year brings new classmates, routines and opportunities for children to learn about people whose experiences may be different from their own. They could include friends who use a wheelchair, carry an inhaler or even receive nutrition through a feeding tube.
Watch this video to learn more
For families who rely on tube feeding, it is an essential part of daily life but is often understood only by those who experience it. That limited awareness can leave children who are tube fed and their families feeling isolated or unseen, according to Gerard Minor, a pediatric gastroenterology and hepatology specialist.
Parents can use everyday questions as opportunities to help children understand there are many ways people receive nourishment. Teachers, classmates, caregivers and communities can also help make tube feeding part of the everyday conversation around childhood rather than something that separates children from it.
“Helping children understand those differences early can encourage curiosity, kindness and inclusion,” Minor said.
To help bring greater awareness, understanding and representation to children and families who experience tube feeding every day, Compleat, a leader in tube feeding formulas, launched “What Is Better Than How,” featuring “Sesame Street’s” Elmo and his signature warmth and curiosity. The original song celebrates the many ways people eat. Some people eat with a fork, some use a spoon and some use a tube, reinforcing a simple message: What matters is not how you eat. What matters is that you are nourished, loved and included.
To hear the song, create a personalized version and learn more about the campaign, visit Compleat.com/WhatIsBetterThanHow.
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Consumer Corner
5 Hidden Ways to Save on Home Insurance Costs
Lowering Home Insurance Costs? Many home improvements offer an added bonus of unlocking insurance discounts, but these savings opportunities can easily fly under the radar when you aren’t actively on the lookout for them.
5 Hidden Ways to Save on Home Insurance Costs
(Feature Impact) When you’re planning home improvements, you’re often thinking about improving the comfort, safety, aesthetic or value of your home. Many changes and renovations have the added bonus of unlocking insurance discounts, but these savings opportunities can easily fly under the radar when you aren’t actively on the lookout for them.
“Homeowners tend to think about their insurance when they buy the house or when they have a claim, but a lot can change in between,” said Larry Anderson, director of underwriting operations at Mercury Insurance. “Something as simple as reviewing your policy with your agent once a year can help make sure your coverage still reflects your home today and identify improvements or other factors that may qualify you for additional savings.”
The experts at Mercury Insurance, a multiple-line insurance carrier emphasizing competitive rates and excellent customer service, encourage homeowners to consider these five ways to save on home insurance costs.
Updating Older Parts of the Home
As a home ages, it’s wise to look at what parts and systems may be deteriorating and need upgrades for modernity or safety reasons. Replacing older electrical, plumbing or other major systems can protect your home from emergencies and loss risks. Depending on the state you live in, your specific policy and the improvements you made, it can also qualify your property for an updated-home insurance discount.
Keep records of major improvements – including receipts, work permits and information about when the work was completed – and plan to discuss the upgrades during your next insurance review.
Adding Protective Technology
Beyond replacing the batteries in your smoke detectors, you can outfit your home with a variety of protective devices that make a difference to insurers. Consider options like monitored burglar and fire alarms, smart water sensors and automatic water shutoff systems designed to detect problems before they become major losses. Remember, while security upgrades can make your home less risky to insure, they won’t save you money if your insurer doesn’t know you’ve installed them.
Improving Resilience to Damage
If you live in an area prone to extreme weather or other hazards, resilience upgrades could both safeguard your home and access insurance savings. Depending on your location, qualifying improvements could include a stronger roof, wildfire mitigation measures or flood defense options. Local insurance agents can provide more specific guidance on ways to make your home less vulnerable to damage – or whether you’re eligible for discounts because of work you’ve already completed.
Qualifying for Community Programs
Even if you haven’t personally made renovations to your home, certain changes in your community could help you save on insurance. That could include local wildfire mitigation measures, membership in a qualifying homeowners association or other neighborhood characteristics that affect coverage options, but specific programs vary by location.
Reviewing Insurance Products and Discounts
Whether something significant has changed in your home or community or not, it’s always valuable to review your insurance coverage on a regular basis. For instance, there may be new products or discounts that simply didn’t exist when you originally purchased your policy. Beyond savings considerations alone, ask your agent questions to make sure your coverage still reflects your circumstances and goals.
“Finding savings is always welcome, but the bigger goal of a policy review is making sure your insurance keeps pace with your life and your home,” Anderson said. “A house isn’t static. We improve it, maintain it and protect it in new ways over time. Your insurance should keep up with those changes.”
For more information on homeowner coverage and discount eligibility, visit MercuryInsurance.com.
Questions to Consider During Your Annual Insurance Checkup
An annual insurance review is an opportunity to look for savings and update coverage. Use these questions as a jumping-off point for discussions with your agent:
- What has changed about my home?
- What has changed about my property or community?
- Have my circumstances changed?
- Are discounts available today that weren’t when I purchased my policy?
- Does my coverage still reflect what it would cost to repair or rebuild my home today?
Photos courtesy of Shuttersotck
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