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Chapter 1: Getting started as a memberTo find a list of our network pharmacies, you can visit our website at optumrx.com and use the“Pharmacy Locator” tool (found under the “Member Tools” tab). You can also call OptumRx forhelp or to ask us to mail a copy of the list to you. Our contact information is on the front cover ofthis booklet.An abridged list of pharmacy networks may be included in this packet.Section 3.3The plan’s Drug List (Formulary)The plan has a list that shows which Part D prescription drugs are covered by the Iron RoadHealthcare Medicare Part D Prescription Drug Plan. We call ours the Drug List. The drugs onthis list are selected with the help of a team of doctors and pharmacists that must meetrequirements set by Medicare. The Drug List also shows any rules that restrict coverage forcertain drugs.If you are a new member, we included a copy of the Abridged Formulary (Drug List) in thispacket. The Drug List we send to you includes information for the covered drugs that are mostcommonly used by our members; however, we cover additional drugs that are not included inthe printed Drug List. If one of your drugs is not listed in the Drug List, you should review theComplete (Comprehensive) Drug List on our website, or contact OptumRx to find out if we coverit.If you need a copy of the Drug List, there are 3 ways to get updated information about covereddrugs for your plan: Visit our website at optumrx.com and click on the “Drug Information” tool (found underthe “Member Tools” tab). Visit our website at optumrx.com and download a copy of the formulary from the “Forms”page. Call OptumRx at the number located on your member ID card to have a copy mailed toyou.Section 3.4The Explanation of Benefits (EOB): A report of payments made foryour prescription drugsWhen you use your prescription drug benefits, we will send you a report to help you understandand keep track of payments for your prescription drugs. This summary report is called theExplanation of Benefits.The Explanation of Benefits explains the total amount you (or others on your behalf) have spenton your prescription drugs, as well as the total amount we have paid for each of yourprescription drugs during the month. Chapter 4 (What you pay for your Part D prescriptiondrugs) provides more information about the Explanation of Benefits and how it can help youkeep track of your drug coverage.Your EOB is also available electronically through the OptumRx member portal. If you choose todo this, you will get an email each month when your EOB Statement is available to view online.Just follow these 4 easy steps:1. Log on to the OptumRx member portal at optumrx.com/public/landing2. Click on the My profile tab3. Select Communication preferences4. Update your option to Paperless for the EOB7

Chapter 1: Getting started as a memberYou can also ask for an Explanation of Benefits summary at any time by calling OptumRx. Ourcontact information is on the front cover of this booklet.SECTION 4Your monthly payment (premium) for the Iron RoadHealthcare Medicare Part D Prescription Drug PlanSection 4.1Your plan premium costAs a member of our plan, your 2022 plan premium is 255 per month. This is a combinedpremium for your Part D and HCPP Part B Plan & Medicare Part A & B Secondary Plan. Youmust also continue to pay your Medicare Part B premium to remain a member of the plan(unless your Part B premium is paid for you by Medicaid or another third party).Members pay a combined premium for all Medicare Plans each month. Because the premiumsare combined, Iron Road Healthcare members are not eligible for premium withhold from theRRB. Iron Road Healthcare charges a 20 service fee for any premium payments rejected forany reason.There are two ways to pay your plan premium.Option One – pay quarterly: Pay your plan premium quarterly (3 months at a time) by check ormoney order. If you pay by check or money order, we must receive your payment by the first ofthe month of every January, April, July, and October beginning with January 1, 2022.Option Two – pay monthly: Monthly payments must be made through automatic bank accountwithdrawals. We offer payment of your combined Iron Road Healthcare Medicare Plans’premiums monthly if you have the amount automatically deducted from your bank account. Ifyou do not have a checking account, you can use your savings account. We cannot acceptmonthly payments sent directly to us by check or money order for monthly payments.If you have any questions about signing up for the automatic premium payment option, toreceive an authorization form, your plan premiums, or the different ways to pay them, pleasecall Iron Road Healthcare at 1-800-547-0421, Monday - Friday, 7:30 a.m. - 3:30 p.m. MountainTime.In some situations, your plan premium could be less.There are programs to help people with limited resources pay for their drugs. Chapter 2 explainsmore about these programs. If you qualify for one of these programs, enrolling might reduceyour monthly plan premium.If you are already enrolled and getting help from one of these programs, some of thepayment information in this Evidence of Coverage may not apply to you. You will receive aseparate notice that explains your drug coverage. If you are already enrolled and are gettinghelp from one of these programs and do not receive this notice, please call OptumRx and askfor your “Low Income Subsidy Rider.” The Low-Income Subsidy Rider (LIS) is a separate noticefrom this Evidence of Coverage for people who receive Extra Help, which is a federal programthat pays some of the costs for prescription drug coverage.In some situations, your plan premium could be more.Some members are required to pay a Late Enrollment Penalty (LEP) because they did not join aMedicare drug plan when they first became eligible, or because they had a continuous period of63 days or more when they did not have their creditable coverage. “Creditable” means the drugcoverage is expected to pay, on average, at least as much as Medicare’s standard prescription8

Chapter 1: Getting started as a memberdrug coverage. For these members, the plan’s monthly premium may be higher. It will be themonthly plan premium plus the amount of their LEP.If you are required to pay the LEP, the amount of your penalty depends on how long you waitedbefore you enrolled in prescription drug coverage, or how many months you were without drugcoverage after you became eligible. You can find more information about the LEP in Chapter 4.Note: If you have an LEP, it may be part of your plan premium. If you do not pay the part of yourpremium that is the LEP, you could be disenrolled for failure to pay your plan premium.What happens if you do not pay your plan premiums, or do not pay them on time?If your plan premiums are past due, we will tell you in writing within 15 days. Medicare requiresus to disenroll you from our plan after the second month of failure to pay your past-due planpremiums. If you are disenrolled from our plan for any reason including non-payment of yourpremium, you may not have another opportunity to enroll again. Also, if you are disenrolled forthis reason, you will not be able to enroll in another Medicare Prescription Drug Plan until thenext Annual Coordinated Enrollment Period, unless you qualify for a Special Enrollment Period.If you do not qualify for a Special Enrollment Period or have another source of creditableprescription drug coverage, you may have to pay a late enrollment penalty the next time youenroll in a Medicare Prescription Drug Plan or a Medicare Advantage Plan with prescription drugcoverage.If you are disenrolled from the Part D Plan, you will also be disenrolled from the Iron RoadHealthcare HCPP Part B Plan & Medicare Part A & B Secondary Plan.Many members are required to pay other Medicare premiumsSome people pay an extra amount for Part D because of their yearly income, this is knownIncome Related Monthly Adjustment Amounts (IRMAA). If your income is greater than 88,000for an individual (or married individuals filing separately) or greater than 176,000 for marriedcouples, you must pay an extra amount directly to the government (not the Medicare plan)for your Medicare Part D coverage. If you are required to pay the extra amount but do not, you will be disenrolled from theplan by the Centers for Medicare & Medicaid Services (CMS) and your prescription drugcoverage.If you have to pay an extra amount, Social Security (not your Medicare plan) will sendyou a letter telling you what that extra amount will be.You can find more information about Part D premiums based on income in Chapter 4. You canalso: Visit medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY1-877-486-2048, 24 hours a day, 7 days a week. Call Social Security at 1-800-772-1213, TTY 1-800-325-0778Note: The income amount thresholds listed above may change during the year, or after youhave received this document. For the most up to date information, please visit medicare.gov, orcall Medicare at 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, 7days a week.9

Chapter 1: Getting started as a memberSECTION 5Please keep your member records up to dateSection 5.1How to help make sure we have accurate information about youThe pharmacists in the plan’s network need to have correct information about you. Thesenetwork providers use your member record to know what drugs are covered for you.Because of this, it is very important that you help us keep your information up to date.Let us know about these changes: Changes to your address or phone number Changes in any other medical or drug insurance coverage you have (such as from youremployer, your spouse’s employer, workers’ compensation, or Medicaid) If you have any liability claims, such as claims from an automobile accident If you have been admitted to a nursing home If your designated responsible party (such as a caregiver) changesIf any of this information changes, please let us know by calling OptumRx. Our contactinformation is on the front cover of this booklet.Remember to also report any changes to your personal information to the Social SecurityAdministration and the Railroad Retirement Board. You can find contact information forthe Social Security Administration in Chapter 2.Read the information we send you about any other insurance coverage you have.Medicare requires that we collect information from you about any other medical or druginsurance coverage that you have. That is because we must coordinate any other coverage youhave with your benefits under our plan.Once each year, we will send you a letter that lists any other medical or drug insurancecoverage we know about. Please read this information carefully. If it is correct, you do not needto do anything. If it is incorrect, or if you have other coverage that is not listed, please callOptumRx. Our contact information is on the front cover of this booklet.SECTION 6We protect the privacy of your personal healthinformationSection 6.1We make sure that your health information is protectedFederal and state laws protect the privacy of your medical records and personal healthinformation. We protect your personal health information as required by these laws.SECTION 7How other insurance works with our planSection 7.1Plans pay in a certain order that depends on circumstancesWhen you have other insurance (like employer group health coverage), there are rules set byMedicare that decide whether our plan or your other insurance pays first. The insurance thatpays first is called the “primary payer” and pays up to the limits of its coverage. The one thatpays second, called the “secondary payer,” only pays if there are costs left uncovered by theprimary payer. The secondary payer may not pay all of the uncovered costs.10

Chapter 1: Getting started as a memberThese rules apply for employer or union group health plan coverage: If you have retiree coverage, Medicare pays first. If your group health plan coverage is based on your or a family member’s currentemployment, who pays first depends on your age, the number of people employed byyour employer, and whether you have Medicare based on age, disability, or End-StageRenal Disease (ESRD).oIf you are under 65 and disabled, and you or your family member is still working,your group health plan pays first if the employer has 100 or more employees, or ispar of a multiple-employer plan in which at least one employer has more than 100employees.oIf you are over 65 and you or your spouse is still working, your group health planpays first if the employer has 20 or more employees, or is part of a multipleemployer plan in which at least one employer has more than 20 employees. If youhave Medicare because of ESRD, your group health plan will pay first for the first 30months for peritoneal and the first 33 months for hemodialysis after you becomeeligible for Medicare.These types of coverage usually pay first for services related to them: No-fault insurance (including automobile insurance) Liability (including automobile insurance) Black lung benefits Workers’ compensationNote: Medicaid and TRICARE never pay first for Medicare-covered services. They only payafter Medicare, employer group health plans, and/or Medigap have paid.If you have other insurance, tell your doctor, hospital, and pharmacy. If you have questionsabout who pays first, or if you need to update your insurance information, please call OptumRx.Our contact information is on the front cover of this booklet. You may need to give your planmember ID number to your other insurers (once you have confirmed their identity) so your billsare paid correctly and on time.11

Chapter 2: Important phone numbers and resourcesChapter 2.Important phone numbers and resourcesSECTION 1Iron Road Healthcare Medicare Part D PrescriptionDrug Plan contacts (how to contact us, including how toreach OptumRx) . 13SECTION 2Medicare (how to get help and information directly fromthe federal Medicare program) . 13SECTION 3State Health Insurance Assistance Program (free help,information, and answers to your questions aboutMedicare) . 14SECTION 4Quality Improvement Organization (paid for by Medicareto check on the quality of care for people with Medicare) . 16SECTION 5Social Security. 19SECTION 6Medicaid (a joint federal and state program that helps withmedical costs for some people with limited income andresources) . 19SECTION 7Information about programs to help people pay fortheir prescription drugs . 22SECTION 8How to contact the Railroad Retirement Board . 27SECTION 9Do you have “group insurance” or other healthinsurance from an employer? . 2812

Chapter 2: Important phone numbers and resourcesSECTION 1Iron Road Healthcare Medicare Part D Prescription DrugPlan (how to contact us, including how to reach OptumRx)How to contact OptumRx and other important departmentsFor help with claims, billing or ID card questions, call OptumRx. Our contact information is onthe front cover of this booklet. We are available to assist you 24 hours a day, 7 days a week.ContactPhoneTTY*FaxMailing AddressOptumRx RxAttn: Member Services6868 W 115th StOverland Park, KS 66211Prior Authorization &Clinical tumRxPrior Authorization DepartmentP.O. Box 25183Santa Ana, CA 92799Prior Authorization &Clinical Appeals1-866-443-10957111-877-239-4565OptumRxPrior Authorization Departmentc/o Appeals CoordinatorP.O. Box 25184Santa Ana, CA 92799Comments,Complaints ttn: Part D Grievances6868 W 115th StOverland Park, KS 66211Manual ClaimsSubmission, PaymentRequests,& Claim Appeals1-866-443-1095711n/aOptumRxAttn: Manual ClaimsP.O. Box 650287Dallas, TX 75265-0287* This number requires special telephone equipment and is only for people who have difficulty hearingor speaking.SECTION 2Medicare(how to get help and information directly from the federalMedicare program)Medicare is the federal health insurance program for people 65 years or older, some peopleunder 65 with disabilities, and people with End-Stage Renal Disease (permanent kidney failurerequiring dialysis or a kidney transplant).The federal agency in charge of Medicare is the Centers for Medicare & Medicaid Services(CMS). This agency contracts with Medicare Prescription Drug Plans, including OptumRx.13

Chapter 2: Important phone numbers and resourcesMedicareCALL1-800- MEDICARE (1-800-633-4227)Calls to this number are free.24 hours a day, 7 days a weekTTY1-877-486-2048This number requires special telephone equipment and isonly for people who have difficulty hearing or speaking.Calls to this number are free.WEBSITEmedicare.govThis is the official government website for Medicare. Itprovides up to date information about Medicare and currentMedicare is

Sponsored by UPREHS, administered by OptumRx . Effective January 1, 2022 - December 31, 2022 . This booklet provides details about your Medicare prescription drug coverage from January 1, 2022 - December 31, 2022. It explains how to get the prescription drugs you need. This is an important legal document. Please keep it in a safe place.