In order to make the best enrollment decisions possible, it is important that you are completely prepared. Prior to beginning your online enrollment process, you should “Map Out” your successful enrollment by following the strategies below:

Review Your Kit–Thoroughly review the Enrollment Kit and the Personal Report that will be mailed to your home address. “Custom-built” just for you, the Personal Report outlines your benefit choices and indicates your biweekly premium costs.

Use the tools and Resources on this site:

•The enrollment link

•The Benefits Guide, complete with hyperlinks

•The Coverage Advisor Tool (Not available to PharmaCare employees at this time)

•Vendor links, Member Services phone numbers, forms, and resources

Consider Your Benefit Needs–Choosing the healthcare options that meet the unique needs of you and your family can be challenging. Keep in mind that your benefits don’t just protect you from financial hardship in the case of injury or illness—they may also provide you with preventative services like annual physicals and screenings. In addition to using the Coverage Advisor Tool, here are a few things to consider when choosing the healthcare options that work best for you:

•Do you need coverage for yourself only, or do you also want to cover any eligible dependents?

•Does someone in your family have any special medical conditions that require regular visits to doctors or specialists?

•What dental services will your family need?

•Do you, your spouse, or children need braces or other special dental services?

•Will you use pre-tax dollars from your healthcare Flexible Spending Account (FSA) to help offset the costs of your deductibles and other out-of-pocket expenses?

•Do you, your spouse, or your children have coverage options under other healthcare plans?

•Do those plans coordinate with the Caremark offerings?

•Do you have sufficient Life Insurance?

Have Your Employee Self Service User ID and Password Available–

Use the same User ID and Password for your annual benefits enrollment as you do to update your Employee Self Service information. If you have lost or forgotten your User ID or Password, contact FrontLine Services for assistance. FrontLine Services can be reached 365/24/7 via e-mail at FrontLine.Services@Caremark.com, or by phone toll-free at 1-800-773-4003.

Be Prepared With Data–Have the names, birth dates, and social security numbers of all the dependents and/or beneficiaries you are planning to enroll and/or name as beneficiary. Having this information readily available ensures a quicker and more accurate enrollment.

Look for Your Confirmation Statement–The key to your successful enrollment is accuracy! Your ConfirmationStatement is the complete and final record of your benefit elections. Protectyourself and ensure it is correct by thoroughly reviewing this statement,which will arrive at your home about seven days after you enroll. If you do not receiveyour Confirmation Statement within 7-10 days of your enrollment, contact the Caremark Benefits Center(CBC) toll-free at 1-888-769-1717 immediately. Any Confirmation Statementchanges must be reported to the CBC by the date indicated on your personal report. Changes after this date will not be accepted.

First published September 28, 2006

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