Choosing benefits coverage is an important decision. But it doesn t have to be stressful or take a lot of time. A few tips:

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MYHR ENROLLING FOR BENEFITS ELIGIBILITY BENEFITS AT A GLANCE HEALTH PLANS INCOME PLANNING SURVIVOR BENEFITS TIME AWAY FROM WORK WORK/LIFE PROGRAMS OTHER BENEFITS ADDITIONAL DISCOUNTS

Make the most of your

rewards@work

CVS Caremark offers you pay, benefits, and growth opportunities that make a difference in your life, so you can make a difference in the lives of the people you care about. Our rewards@work, including medical coverage, retirement plans, insurance protection, and special discounts, are designed to make your life easier. Online tools and resources are available at myhr.cvs.com, and provide one-stop access to all the resources you need to manage your health, retirement, pay, discounts, and benefits. 24 hours a day. 7 days a week. 365 days a year! Choosing benefits coverage is an important decision. But it doesn‘t have to be stressful or take a lot of time. A few tips:

Our tools can help. Whether it‘s picking the right medical plan option for you, finding a doctor in your network, or deciding whether you can save money by participating in the Health Savings Account* or Health Care Flexible Spending Account (FSA) – there‘s help available.

Take a serious look at your financial security benefits. It‘s easy to overlook benefits like life and disability insurance, retirement plans, and the Employee Stock Purchase Plan, but they are designed to protect your income. Take a closer look so you can start building wealth, planning for retirement and protecting your family‘s future.

Take note of your enrollment deadline. It‘s included in the enrollment worksheet you received in the mail. For most benefits, you must enroll prior to your deadline. If not, you will need to wait until the next Annual Enrollment period, unless you have a ―qualifying event‖ like marriage, divorce, a change in job status, birth or adoption, or the gain or loss of coverage.

If you want coverage in these benefits, be sure to enroll prior to your deadline.

Medical Dental Vision

Flexible Spending Account AFLAC Plans

Legal Services Plan

If you don’t enroll in these benefits prior to your enrollment deadline, you can enroll at any time throughout the year with proof of good health:

Supplemental Term Life Insurance Dependent Life Insurance

Long Term Care Long-Term Disability

You can enroll in these benefits at any time throughout the year.

Auto & Home Insurance

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BASE Revised 5/29/2013 2 MYHR ENROLLING FOR BENEFITS ELIGIBILITY BENEFITS AT A GLANCE HEALTH PLANS INCOME PLANNING SURVIVOR BENEFITS TIME AWAY FROM WORK WORK/LIFE PROGRAMS OTHER BENEFITS ADDITIONAL DISCOUNTS

What you can do on myHR

(hint: it’s not just where you go to enroll)

Easy-to-use and 100% secure, myHR is the ―front door‖ to CVS Caremark Human Resources. It gives you personalized, one-stop access to all the resources you need to manage your health, retirement, pay, discounts, and benefits. Packed with features and easy to use, you can access it 24 hours a day; 7 days a week; 365 days a year at myhr.cvs.com.

What you‘ll find*

Link to personalized compensation, retirement, health, and career information; and other benefits and resources. Review your personalized rewards@work summary—a snapshot of CVS Caremark‘s investment in you.

Check your retirement information at a glance, including your 401(k) savings plan account(s). See a summary of your health benefits and coverages.

Check your Flexible Spending Account contributions.

Link to training, performance, and recognition awards resources.

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Important: myHR will automatically terminate your session (that

is, sign you out or ―time out‖) after 15 minutes of inactivity. If you forget to sign out of myHR after you‘re finished using it, or if you‘re not actively clicking through myHR, the system will sign you out automatically. This security measure helps ensure that no one besides you can access your personal data through myHR. The system may terminate your session before you‘re finished viewing myHR. If this happens, simply sign in again.

Accessing myHR

1. From any computer with Internet access, go to myhr.cvs.com.

2. At the top of the screen, click the link for CVS Caremark colleagues.

—If you are a store colleague, enter your 7-digit Employee ID and LEARNet password to login.

—All other CVS Caremark colleagues (except Distribution Center colleagues) enter your network Windows ID and password (your computer login) to log in.

—Click Login to start using myHR.

—If you are a Distribution Center colleague logging in for the first time, follow the steps below. Click Reset Password

Enter your Employee ID and then click New User.

(Note: for future log ins your Employee ID will also be your ―Log in User Name‖ Answer each question and click Login

Enter your new password. Make sure to follow the directions. Then enter the same password again in ―Confirm Password‖ and click Change/Create Password.

Start using myHR after you receive the confirmation message.

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Enrolling for Benefits

To Enroll:

Find the ―Enroll in Benefits Now!‖ message on the myHR home page. (You can‘t miss it!)

Click the Enroll Now button. (Note: this button will not appear if you access myHR prior to your enrollment date.)

Follow the steps on the Enrollment page to access helpful information and tools. Be sure to complete your Wellness Review during your enrollment period. See WellRewards in the Health Plans section to learn more. When you‘re ready to choose, select Ready to

enroll? and then click the Enroll Now! button.

On the Enroll in Your Benefits page, you‘ll see each benefit plan listed along with a View/Change button beside it.

To choose the option you want, click View/Change and make a selection. If applicable also select which dependents you want to cover. Then click Continue to return to the Enroll in Your Benefits page.

Repeat this process to select your other benefits.

When you finish making your choices, click Complete Enrollment at the bottom of the Enroll in Your Benefits page.

Important: Review your elections carefully before you submit them. You will not be able to resubmit different elections if you change

your mind after you submit them. To submit your elections, click OK.

After you click OK, the Submitted Successfully page shows you your elections and lists any required or recommended follow-up steps. You‘ll also find direct links to the web sites where you can enroll for the AFLAC Supplemental Plans, Legal Services Plan, and/or Long Term Care. Make sure to review this page carefully and print it out. That way, you‘ll have a record of your enrollment and a helpful ―to-do‖ list for anything you need to do after you enroll.

If You Need Help

Get help when enrolling by either:

Opening up a live online chat in My Benefits Resources with a myHR representative or

Calling a myHR representative at 888-694-7287 (888-MYHR-CVS) and select option two for Health and Welfare.

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Tools to Help You Decide

If you want to… Use this tool… What you’ll find

Enroll for benefits Simplified Enrollment Steps Step-by-step dashboard for learning, planning, and taking action to enroll.

Avoid paying too much by enrolling in the wrong medical plan

See what you‘ll pay for medical coverage from options available to you (Medical Expense Estimator)

This tool helps you choose your Medical Plan option by projecting and comparing your estimated total annual costs (paycheck costs plus out-of-pocket expenses) for up to three options that you select. Projections are based on the services used by you and your family as well as the services you expect to use next year. Learn how coverage works for the available

medical plan options.

Select See coverage details to view Summaries of Benefits Coverage.

Summaries of Benefits Coverage that show you how each available option works and how it covers expenses.

Compare plan prices

Note: This tool is not available in Hawaii.

Go to the Choosing Medical Coverage? step when you enroll. Then select See Plan Prices to see the annual paycheck deductions for all available options.

Pricing for all possible medical plan options available to you on one page.

Learn which available coverage best meets your needs

Compare Medical Coverage Options (Health Plan Comparison Charts)

See a side-by-side comparison of pricing and how coverage works for up to three 2013/2014

medical/prescription drug options that you select. Make sure your doctors are in the network of a

plan you‘re considering

Find a Doctor or Hospital (ProviderDirect) See if the providers you use are in the network of a plan you‘re considering.

Estimate how much to contribute to a Health Savings Account (HSA) if you enroll in the Health Savings Plan option.

Select Estimate how much to contribute to use the HSA Estimator.

A tool that adds up out-of-pocket health care expenses that qualify for reimbursement under the HSA.

Make sure you don‘t contribute too much—or too little—to a Health Care FSA and risk losing money

Estimate how much to contribute (HCFSA Estimator)

Add up out-of-pocket health care expenses that qualify for reimbursement under the Health Care Flexible Spending Account.

Make sure you don‘t contribute too much—or too little—to a Dependent Care FSA and risk losing money

Estimate how much to contribute (DCFSA Estimator)

Add up out-of-pocket dependent care expenses that qualify for reimbursement under the Dependent Care Flexible Spending Account.

Purchase only the amount of life insurance coverage you need

Estimate Your Life Insurance Needs (Life Insurance Estimator)

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So who can you enroll for benefits?

You

Your Spouse

Your Same-Sex Spouse

Your Same-Sex Domestic Partner*

Children

Grandchildren

If you enroll a dependent, you must

provide proof of eligibility when asked

by our audit partner, Dependent

Verification Services. This can include:

Proof of relationship

(government-issued marriage certificate or

government-issued birth certificate);

Proof of financial responsibility (tax

return); and/or

Proof of residence.

Eligibility

To keep everyone‘s costs down, CVS Caremark restricts who you can enroll for benefits. We routinely check to see if

all of the people you cover are eligible. If our audit shows they‘re not, they lose coverage right away. You‘ll also need

to pay CVS Caremark back for any expenses paid by the plan.

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You may enroll as long as you:

Are an active full-time employee working in the United States; and Work an average of at least 30 hours per week.

In Hawaii, state regulations require that employees who work 20 hours or more per week for four consecutive weeks are eligible for medical coverage.

Temporary, seasonal, or leased employees and independent contractors aren‘t eligible for coverage unless your work agreement provides for coverage under the plan.

Note: No person can be covered as both an employee and a dependent under the Plan. No person can be covered as a dependent

of more than one employee under the Plan.

You may enroll your legal opposite-sex spouse.

You must have a marriage certificate to prove that your marriage is legally certified.

Note: If you are legally separated from your spouse, your spouse is not an eligible dependent. You may enroll your legal spouse of the same sex:

Where the marriage is legally certified by a state that recognizes same-sex marriages, regardless of the state where you live.

Note: If you are legally separated from your spouse, your spouse is not an eligible dependent. You may enroll your same-sex domestic partner:

As long as your affidavit is signed and approved.

Your civil union partner:

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You may enroll your, biological or legally adopted child(ren), or stepchild(ren) or a child for whom you are the legal

guardian.

This can include your same-sex domestic partner‘s biological or legally adopted child(ren) or a child for whom your same sex spouse or eligible domestic partner are the legal guardian. This also includes a child who is the subject of a Qualified Medical Child Support Order (QMCSO).

Note: In the event of a divorce, your stepchild(ren) will no longer be eligible dependent(s).

Except for medical/prescription drug coverage, dependent children must live with you for more than one-half of the year to be

eligible for benefits. (Temporary absences for special circumstances such as education are not considered in determining whether a child meets the residency requirement.)

They also must be one of the following:

Unmarried, under age 19 or under age 23 if a full-time student enrolled in an accredited secondary school or university, and receiving over 50% of their support and maintenance from you or their biological parent. (Note: Coverage ends when the student graduates or reaches age 23, whichever comes first. You‘ll be required to certify full-time students annually for vision and dental coverage.)

Children older than age 19 who are unmarried and have a physical or mental disability (as determined by the medical carrier), incapable of self-sustaining employment, and dependent on you for more than half of their support. You must provide proof of the ongoing disability as often as requested by your plan carrier. The child must be disabled before age 19 or become disabled while covered as a dependent by the CVS Caremark plan.

You may enroll a grandchild who is your tax dependent as described in Internal Revenue Code Section 152.

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Eligibility of Dependent Children/Young Adults for Medical/Prescription Drug Coverage

You can enroll or re-enroll your eligible children up to age 26 in your CVS Caremark medical/prescription drug plan only. Eligible children include:

— Your biological or legally adopted children or stepchildren; children for whom you are the legal guardian; and children who are the subject of a Qualified Medical Child Support Order (QMCSO). It doesn‘t matter if they are married, living with you, in school, or financially dependent on you.

— Your same-sex spouse or eligible domestic partner‘s biological or legally adopted children, or a child for whom your same-sex spouse or eligible domestic partner is the legal guardian. To be eligible, these children must be unmarried, living with you, in school, and financially dependent on you.

— Your, your spouse‘s or domestic partner‘s unmarried grandchild. However, for your or your opposite-sex spouse‘s grandchild, the grandchild must also be your tax dependent to be eligible.

You may enroll eligible children you haven‘t covered before.

You may re-enroll young adults under age 26 who previously lost medical/prescription drug coverage because they lost student status or because they turned age 23.

If you have a disabled child age 26 or older: You may continue to cover your child under your CVS Caremark medical/prescription drug plan if he or she:

— Became disabled before age 26 or

— Become disabled while covered as a dependent by the CVS Caremark medical/prescription drug plan. Provided the child:

— Is incapable of self-sustaining employment;

— Receives over 50% of his or her support and maintenance from you, your spouse, or your eligible domestic/civil union partner; and

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When Coverage Begins

Coverage begins on the first of the month following 90 days of continuous full-time employment, provided you enroll and are actively at work. Employees who experience a break in full-time employment will be required to fulfill the 90-day wait period from their most recent full-time employment date unless the break in employment is within 30 days of the date of your employment termination date.

For certain benefit programs, if due to illness or injury, you are not at work on the date your insurance coverage would otherwise take effect, it will take effect on the day you return to full-time work for one full day. This provision also applies to changes in your coverage. Generally, any of the benefits you elect will remain in effect for an entire plan year (June 1–May 31), unless you have a qualifying life event. For more information about qualifying events, see the Life Events page on myhr.cvs.com.

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Changing Benefits/Qualifying Life Events

Initial enrollment is a one-time event allowing newly eligible employees the opportunity to make their benefit elections.

At other times during the plan year, an employee is unable to make changes to their benefit plans unless they experience a ―Qualifying Life Event‖. ―Qualifying Life Events‖ include the following:

Change in Marital Status

Change in Spouse‘s Employment Birth or Adoption of a Child

Qualification for Medicare or Medicaid Death

Change in dependent status, if your child reaches maximum age under the plan Reduction or increase of hours

Termination of Employment

Your spouse‘s enrollment period differs from the CVS Caremark Annual Enrollment period

If you experience a ―Qualifying Life Event‖ and wish to change your elections, log onto myhr.cvs.com. Enrollments must be completed within 30 days of the event (60 days if you‘re gaining or losing Medicaid, CHIP assistance, birth or adoption); otherwise you will be unable to make the change until the next annual enrollment period. The benefit change must be consistent with the ―Qualifying Life Event‖ that you experience.

Exception: As part of health care reform, colleagues and their dependents have a one-time opportunity to:

Drop CVS Caremark medical coverage and enroll in coverage through a government-sponsored health care exchange starting January 1, 2014, or

Drop government-sponsored exchange coverage and enroll in the CVS Caremark medical plan after January 1, 2014. No change in status is required.

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Medical Coverage (Includes Prescription Drug Coverage)

If you enroll, you can choose: Medical coverage

o If you elect medical coverage you will be eligible to

participate in the CVS Caremark WellRewards programs. No Coverage

Dental Coverage

If you enroll, you can choose: Delta Dental PPO

Aetna DMO (available in some areas) No Coverage

Vision Coverage

If you enroll, you can choose: VSP Plan

No Coverage

Life and Accidental Death and Dismemberment (AD&D) Insurance

Basic Life and Basic AD&D (company-paid) If you enroll, you can choose:

Supplemental Term Life Dependent Life

Supplemental AD&D Family AD&D

Business Travel Accident Plan

Disability Coverage

Short-Term Disability (STD) (company-paid) If you enroll, you can choose:

Long-Term Disability (LTD)

Benefits at-a-Glance

Flexible Spending Accounts (FSAs)

If you enroll, you can choose: Health Care FSA

Dependent Care FSA No FSA

If you don‘t enroll: You‘ll lose the tax savings you get with your FSAs. You need to sign up each year for FSAs to take part.

Health Savings Account (HSA)

If you enroll in the Health Savings Plan as your medical option you may also open an HSA.

Work/Life Programs

CVS Caremark offers the following programs: Service Awards

Retirement Awards

Educational Assistance Program LifeScope for You

Employee Discount Program Adoption Benefits

Transportation Benefit

Other Coverage

If you enroll, you can choose: AFLAC Plans

Long Term Care (LTC) Legal Services Plan Transportation Benefit

Company-Sponsored 401(k) Plans Employee Stock Purchase Plan (ESPP)*

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Your Health Coverage

Paying for Coverage

CVS Caremark pays the majority of the cost for your medical/prescription coverage. Your share of the cost for medical/prescription1, dental and vision coverage is deducted from your pay on a pre-tax basis2. This means you don‘t pay Social Security or federal and, in most cases, state income tax on your contributions. Since your taxable earnings are lower, you pay less in taxes. Due to federal insurance regulations, coverage for same-sex spouses, Domestic Partners and children of both, is not available on a pre-tax basis. See your Summary Plan Description (SPD) for details.

You‘ll find prices for your available options when you enroll.

Choosing a Level of Coverage

You may choose from four levels of medical/prescription, dental, and vision coverage: Individual

Individual + Spouse Individual + Child(ren) Family

You may enroll in medical/prescription, dental and vision coverage, in medical/prescription only, in dental only, in vision only, or you may waive coverage in any of those plans.

Summary of Benefits and Coverage (SBC)

You‘re entitled to receive ―at-a-glance‖ summaries of all the CVS Caremark medical plan options available to you. The SBCs are designed to help you compare your CVS Caremark medical plan options with:

One another;

Your spouse/partner‘s medical plans; and

Individual medical plans.

The SBCs for the CVS Caremark medical plan options are available when you enroll online at myHR.cvs.com. To request a paper copy, free of charge call 888-694-7287 (888-MYHR-CVS) and select option 2 for Health and Welfare.

Coordinating Benefits

If you are covered under another medical, dental, or vision plan in addition to your CVS Caremark coverage, coordination of benefit rules will apply. Please note, special rules apply for the Aetna DMO dental plan. See your Summary Plan Description or carrier for details.

1

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Medical Coverage

CVS Caremark offers medical coverage that gives you various coverage options to choose from. The carrier for the medical plans varies by geographic location, but each offers a comprehensive nationwide network of physicians and hospitals. To learn more about the medical plan options available to you, log on to myhr.cvs.com and click Learn more on myBenefits Spotlight.

Each medical plan option offers prescription coverage. If you enroll in the Build Your Own (BYO PPO), Health Plan Hawaii (HMSA) HMO, Hawaii PPO (HMA) or Kaiser Permanente HMO options you can choose from either the Standard Formulary or the Value Formulary. If you enroll in the Health Savings Plan option, you‘ll automatically get the Standard Formulary. You and your dependents must be enrolled in a medical plan option in order to receive prescription coverage.

Our simplified enrollment steps will help you choose the medical option that is right for you. After you enroll, you‘ll receive a Summary Plan Description (SPD) with complete plan information, which is also available on myhr.cvs.com.

The amount you pay for your coverage will depend on the option you choose, who you cover, your business unit and, in some cases, your location.

Your carrier (the insurance company that administers your medical plan) will depend on where you live. You‘ll find prices for your medical options when you enroll.

If you are a Hawaii colleague who chooses to waive medical coverage, you will be mailed a Form HC-5. You must complete and return the form within 30 days, otherwise you will be enrolled into the HMA PPO Value RX

individual plan. Instructions will be included with the form you receive in the mail.

Quick Tip! Want to lower your paycheck contribution for medical

coverage? Then choose an option with a higher deductible and out-of-pocket maximum.

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Prescription Drug Coverage

You automatically get prescription drug coverage when you elect medical coverage. If you enroll in the Build Your Own (BYO PPO), Health Plan Hawaii (HMSA) HMO, Hawaii PPO (HMA) or Kaiser Permanente HMO options you can choose from either the Standard Formulary or the Value Formulary. If you enroll in the Health Savings Plan option, you‘ll automatically get the Standard Formulary.

The Standard Formulary covers generic, preferred and non preferred brands. Use generics whenever possible to get the best value. The Value Formulary covers a more limited range of the most effective prescription drugs for all conditions in return for lower paycheck

contributions. It focuses mainly on generics and doesn‘t cover certain lifestyle drugs.

CVS Caremark administers your prescription benefit. You will receive a separate Prescription Plan ID card if you enroll for medical coverage.

The prescription plan features Maintenance Choice®

With Maintenance Choice, you have the choice of getting 90-day supplies of your maintenance medications at CVS/pharmacy or CVS Caremark Mail Service Pharmacy. This provides savings and convenience for members who are taking maintenance medications, and may also result in better adherence to medications that need to be taken regularly. Some examples of maintenance medications are

prescriptions for managing high blood pressure, asthma, diabetes, depression, high cholesterol and oral contraceptives.

You may receive two fills of a maintenance medication in a 30-day supply. After the first two monthly fills, you are required to have your maintenance medications filled every 90 days at a CVS/pharmacy or receive your medications through CVS Caremark Mail Order Pharmacy. After your second 30 day prescription is filled, a CVS Pharmacist will contact your doctor to update your maintenance medication

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Standard Formulary for the BYO PPO and Hawaii Options:

Up to a 30-Day Supply Up to a 90-Day Supply

(at a CVS/pharmacy OR through CVS Caremark Mail Service) Generic Drugs You pay a $7.50 copay. You pay a $9.99 copay. The plan pays the remaining cost.

Preferred Brand Drugs

(on the CVS Caremark preferred drug list)

You pay 20% of the cost. The plan pays 80% of the cost.

You pay a $41.50 copay. The plan pays the remaining cost.

Non-Preferred Brand Drugs You pay 35% of the cost. The plan pays 65% of the cost.

You pay a $91 copay. The plan pays the remaining cost.

Specialty Drugs1 You pay a $75 copay. Not available.

Value Formulary for the BYO PPO Options and Hawaii Options:

(at a CVS/pharmacy OR through CVS Caremark Mail Service) Generic Drugs You pay a $7.50 copay. You pay a $9.99 copay. The plan pays the remaining cost.

Preferred Brand Drugs You pay 20% of the cost. The plan pays 80% of the cost.

You pay a $41.50 copay. The plan pays the remaining cost.

Specialty Drugs1 You pay a $75 copay. Not available.

1

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Standard Formulary for the Health Savings Plan Option:

(at a CVS/pharmacy OR through CVS Caremark Mail Service)

Generic Drugs You pay 20% of the cost, after the deductible.1 The plan pays 80% of the cost.

Preferred Brand Drugs (on the CVS Caremark preferred

drug list)

You pay 20% of the cost, after the deductible.1 The plan pays 80% of the cost.

Non-Preferred Brand Drugs You pay 20% of the cost, after the deductible.1 The plan pays 80% of the cost.

Specialty Drugs2

You pay 20% of the cost, after the deductible.1 The plan pays 80% of the cost.

Not available.

1

The deductible does not apply for preventive medications.

Note: With the Health Savings Plan option, you don’t need to meet a deductible before the plan shares the

cost with you for certain prescription drugs on the CVS Caremark Preventive Drug List. Instead, you'll pay 20% of the cost of most preventive medications and nothing for selected generic preventive medications in drug classes where adherence is an especially important--and effective--part of your treatment.

Specialty Drug Notice: You must fill your prescription through a CVS Caremark specialty mail-order pharmacy.

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* The $600 Wellness Differential does not apply to colleagues in Hawaii due to state requirements of the Hawaii pre-paid Health Act.

WellRewards

At CVS Caremark, we give you the support and guidance you need to measurably maintain or improve your health and to lower your risk of serious illness. Our Plan For Health combines an evolving approach to health coverage with preventive care and wellness programs If you enroll in the CVS Caremark medical plan and complete an online Wellness Review by your benefits eligibility start date, you‘ll avoid paying a $50 monthly Wellness Differential* for the 2013/2014 plan year. After that you can avoid paying $600 more on your 2014/2015 medical coverage by completing a Wellness Review and getting a free confidential health screening between January 1, 2014 and May 1, 2014.

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Second Opinion Program

Cleveland Clinic‘s MyConsult®

Online Medical Second Opinion will be offered at no cost to colleagues and dependents enrolled in the CVS Caremark medical plan. MyConsult provides secure, online access to Cleveland Clinic‘s physician specialists for over 1,200 diagnoses.

Health Advocate

Helps you navigate complex health issues with better results and ease of mind

Helps with claims and appeals

Helps with referrals and selecting doctors and hospitals

For colleagues and covered dependents enrolled in the CVS Caremark medical plan, Health Advocate can collect your medical records as part of the Cleveland Clinic MyConsult® Online Medical Second Opinion process.

LifeScope For You (Employee Assistance Program)

In addition to referral and telephone counseling sessions for assistance with every day needs, colleagues and dependents enrolled in the CVS Caremark medical plan receive

expanded services to include 6 free (no copay) face to face counseling sessions (per member, per issue/per year).

Destination: Healthy Baby!*

Maternity management program for all colleagues and eligible dependents

Provides access to a dedicated Maternity Nurse Advocate and educational materials for all stages of the pregnancy

Colleagues who complete the program receive an infant CPR kit and access to a parenting program for one full year after the baby‘s birth.

Smoking Cessation Program

WebMD: If you or your eligible dependents are planning to stop

tobacco use within the next 30 days to 6 months, this program offers a free telephone coaching program.

Health Management Programs*

Alere provides health management programs for 7 chronic conditions including asthma, chronic obstructive pulmonary disease, migraine, heart failure, coronary artery disease, diabetes, lower back pain and depression.

WellRewards programs for colleagues enrolled in the CVS Caremark medical plan:

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Dental Coverage

You can choose from up to two dental options, depending on where you live. (You’ll see your options when you enroll.)

Delta Dental PPO

The Delta Dental PPO covers services up to $1,500 per calendar year. It also pays a lifetime maximum of $1,500 for orthodontia for dependents under age 19. Single tooth implants are covered and subject to the overall annual plan maximum of $1,500. You pay coinsurance for major (50%) or minor (25%) restorative services generally after satisfying the member deductible ($50). The plan pays 100% for preventive care services and there is no deductible applied to preventive care services. You can choose from two network options, Delta Dental PPO and Delta Dental Premier, but you‘ll pay less when you use dentists in the Delta Dental PPO network.

Aetna DMO®

The Aetna DMO keeps dental care affordable and simple. Under this dental option:

You‘re only covered for services from dentists in the Aetna DMO network. You‘ll need to select a primary dentist if you‘re enrolling in this plan for the first time. Before you enroll, check to make sure there‘s a network primary dentist in your area by using the Find a Doctor or Hospital (Provider Direct) tool on My Benefits Resources.

There are no claim forms to file.

There‘s no deductible or calendar-year limit on the amount the plan pays. You pay a set fee for dental services provided by a primary care dentist selected from Aetna‘s network of participating DMO dentists.

A $2,400 copay per member covers orthodontia for both children and adults. There‘s no lifetime maximum for orthodontia.

Quick Tip!

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BASE 21 MYHR ENROLLING FOR BENEFITS ELIGIBILITY BENEFITS AT A GLANCE HEALTH PLANS INCOME PLANNING SURVIVOR BENEFITS TIME AWAY FROM WORK WORK/LIFE PROGRAMS OTHER BENEFITS ADDITIONAL DISCOUNTS

Vision Coverage

CVS Caremark offers vision coverage through Vision Service Plan (VSP). It's an affordable way to maintain good health through proper vision care.

The Basics

You can get care inside or outside the VSP network. You pay a $10 copay for in-network exams.

After you pay a $25 copay, VSP covers in-network eyeglass lenses in full and frames up to a $225 allowance.

Coverage includes the VSP Signature Contact Lens Care Program. There are three lens coverage levels: toric, multifocal, and hydrogel.

VSP covers contact lenses and exams up to a $150 allowance. - You can use either the eyeglass (frame and lens) benefit or the

contact lens benefit for the plan year. You can‘t use both in the same plan year.

If you see a doctor who isn‘t in the VSP network, VSP reimburses part of your costs up to the out-of-network limit, minus any copays you pay.

Using the Plan

Call your VSP doctor and make an appointment. You don‘t need an ID card. When you call, tell the doctor you're a VSP member and give the following information:

Your name and date of birth Your group name: CVS Caremark

Your VSP doctor and VSP will handle the rest. VSP will pay your doctor for covered services and materials. You'll pay your doctor at the time of service for any copays or other costs not covered by the plan.

Benefit Frequency1 Copay From VSP Network Provider From Out-of-Network Provider Exam (doesn‘t include contact lens fitting) Once every plan year

$10 Covered in full after $10 copay

Reimbursed up to $35

Lenses2 Once every plan year

$25 (lenses and frame)

Single vision, lined bifocal, and lined trifocal lenses are covered in full after $25 copay Reimbursed up to: $25 for single vision $40 for bifocal $55 for trifocal Frame2 Once every

plan year

Covered up to $225 allowance, plus 20% off any out-of-pocket costs

Lens Options Once every plan year

None Polycarbonate lenses are covered in full Not covered Contact Lenses3 (fittings and lenses) Once every plan year None Elective Lenses:15% discount off the contact lens exam, plus $150 allowance for your contact lens exam and contacts

Laser Vision Correction4

Discounted services Not covered

1

Based on plan year beginning every June 1 and ending May 31 of the following year (12 months).

2

Average 35% – 40% savings on all non-covered lens options. 30% off additional glasses and sunglasses, including lens options from the same VSP doctor on the same day as your WellVision Exam. Or get 20% off from any VSP doctor within 12 months of your last WellVision Exam.

3

You may choose contacts or glasses but not both. If you choose contacts, you are using our lens and frame benefit.

4

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Flexible Spending Accounts

Want to put money you’d otherwise spend on taxes back into your wallet? Then consider enrolling for one—

or both—of our Flexible Spending Accounts (FSAs).

If you enroll in the Health Savings Plan option, IRS rules don‘t allow you to enroll in a Health Care FSA. However,

you‘re still eligible to open a Dependent Care Spending Account.

Health Care FSA

Your Health Care FSA comes with a Visa

®

debit card from Your Spending Account (YSA). Use it for medical, dental

and vision expenses or at any CVS/pharmacy.

Here‘s how it works.

You can set aside from $260 up to $2,500 per plan year (June 1 through May 31).

The money goes into your FSA before you pay any taxes on it. When you have an eligible health care expense,

you pay it, and the FSA pays you back with tax-free dollars.

-

Important! You can use your FSA to pay yourself back for certain over-the-counter medicines and

products—such as aspirin and cough medicine—only if you have a doctor‘s prescription for them.

You can use the card even if you haven‘t contributed the full amount from your pay yet.

Save your receipts! You may be asked to submit a receipt for amounts that don‘t match a plan copay

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Dependent Care FSA

You can set aside from $260 up to $5,000 per plan year (June 1 through May 31).

- Important! If you‘re married but file separate tax returns, the maximum you can set aside is $2,500.

- Important! If you expect to earn $115,000 or more in total compensation in 2013, you can‘t set aside more than $1,100 for the

2012/2013 plan year. This is due to Internal Revenue Service nondiscrimination rules that limit contributions for highly

compensated employees. The highly compensated employee limit is based on final prior year nondiscrimination testing and may change later in the plan year depending on the results of the test for the current plan year.

The money goes into your FSA before you pay any taxes on it. Use the money in your FSA to pay yourself back for eligible dependent care expenses that allow you (and your spouse, if you‘re married) to work.

When you have an eligible dependent care expense, you pay it, and the FSA pays you back with tax-free dollars.

- Important! Your dependent care provider must claim the expenses you pay as income. You‘ll need to include your provider‘s

federal identification number/Social Security number when you file your taxes.

For a list of eligible dependent care expenses, see the YSA web site starting June 1 or Internal Revenue Service Publication 503. Quick Tip!

Your FSA Debit Card Is for Health Care Expenses Only. If you enroll in the Health Care FSA, you‘ll receive a Visa debit card from YSA. You cannot use your FSA debit card to pay for your dependent care expenses. You won‘t receive a debit card if you enroll in the Dependent Care FSA only.

FSA Rules and Restrictions

Use it or lose it. Due to Internal Revenue Service rules, you‘ll lose any money left in your FSA(s) at the end of the plan year. You

can‘t get it back or carry it over to the next year.

- But don‘t let this stop you from using FSAs! Spend any leftover money in your account before the end of the plan year on eligible items you can buy at the last minute. Items like contact lenses, a spare pair of eyeglasses, contact lens supplies, and (with a doctor‘s prescription) certain over-the-counter drugs.

You can’t change your contributions. You can‘t change the amount you elected to contribute to your FSAs during the plan year.

The only exception is if you have a qualifying event. Examples include marriage, divorce, legal separation, birth/adoption, change in employment status, or death.

The accounts are separate. You can only use the Health Care FSA to reimburse health care-related expenses. You can only use the

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Heath Savings Account

If you are eligible for and enroll in the Health Savings Plan as your medical plan option, you may also open a Health

Savings Account (HSA).*

It works like a 401k, or a savings plan for health care:

You own the account and any contributions (no ‗use it or lose it‘ rule)

CVS Caremark will make quarterly contributions, based on your salary and whether you cover dependents or just

yourself

Your contributions can be made via pre-tax payroll deductions

You can use the dollars now for health care expenses, or save them for the future

Your HSA earns interest and savings over $1,000 can be invested, so it grows over time

You get a triple tax break with an HSA:

Contributions (from you and CVS Caremark) are pre-tax

No taxes when you withdraw for health care costs

Contributions earn interest, and you can invest them. Investment earnings are tax-free

If you open and HSA, you will receive an HSA debit card from PayFlex, our HSA Administrator.

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Income Planning

Future Fund: The 401(k) Plan and Employee Stock Ownership Plan of CVS Caremark Corporation and Affiliated Companies

Future Fund benefits are an important part of your total compensation at CVS Caremark. They allow you to build a strong foundation for your retirement while also gaining tax advantages today. Future Fund is your chance to control your financial future. You decide how much to invest. You may

contribute either a percentage or a flat dollar amount up to 85% of your eligible pay on a pre-tax basis, subject to IRS limits ($17,500 in 2013).

There are various investment options to choose from. Generally, after one year of service, the Company matches 100% of your contributions to the Plan up to 5% of your eligible pay that you contribute. Company matching contributions and their earnings, are immediately 100% vested.

Financial Engines

Financial Engines offers two levels of professional services for help in investing in Future Fund and to make planning for retirement easier.

Personal Asset Manager gives you the opportunity to have a team of investment professionals manage your Future Fund portfolio. Fees are based on your account balance and are taken directly from your account, so there is no bill to pay and no reduction in your take-home pay. Personal Online Advisor gives you Web-based guidance about saving in Future Fund using estimates of your retirement income needs based on answers you supply. You‘ll get specific advice about how to invest in your Future Fund accounts to increase the likelihood of reaching your financial goals. Personal Online Advisor is offered at no additional cost to Future Fund participants.

Once you become eligible to participate in Future Fund, you will receive enrollment information from Financial Engines Advisors, L.L.C.*, an independent, registered investment advisor.

Employee Stock Purchase Plan

The Employee Stock Purchase Plan allows you to purchase CVS Caremark common stock at a discount of at least 15%.

Your price is 15% off the lower of the closing price on either the first or last day of the offering period. You are eligible to participate at the beginning of an offering period if you have been continuously employed for six months (and are actively employed during the two months prior to the beginning of the offering period). The two offering periods are generally January 1 through June 30 and July 1 through December 31. After you purchase stock, you may sell or withdraw your shares once they have been in your ESPP account for at least 18 months from the start of the offering period for which you

purchased them. You will automatically receive enrollment materials once you become eligible.

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Zurich Travel Assist

®

Zurich Travel Assist® provides full-time employees with emergency travel assistance, informational, legal and personal assistance while traveling 100 or more miles from home. You, your spouse, or registered domestic partner and your dependent children have access to travel assistance. If you're eligible, you're automatically enrolled.

*Employees in New York, New Jersey, Hawaii, California and Rhode Island will also be enrolled in a mandatory state STD plan that will coordinate with your CVS Caremark disability benefits.

Disability Coverage

Disability benefits provide you with income if you become disabled and can‘t work.

Short-Term Disability (STD)

CVS Caremark automatically provides Short-Term Disability* (STD) coverage at no cost to you. STD benefits pay 60% of your base pay for up to 180 days.

Long-Term Disability (LTD)

If you want Long-Term Disability (LTD) coverage, you must enroll. You‘ll pay the full cost of coverage.

LTD benefits pay up to 60% of your base pay after the 180-day waiting period, which is satisfied by Short Term Disability. If you don‘t enroll during your newly eligible period, you must provide proof of good health if you decide to enroll.

LTD benefits provide critical protection for your income. When you‘re choosing your health benefits why not take a few minutes to make sure you have the LTD coverage you need?

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Life and AD&D Insurance

Want to protect your family from the loss of your income if you die or are seriously injured? That‘s what Life and Accidental Death and Dismemberment (AD&D) insurance is for. For more protection, you can buy supplemental or dependent coverage at low group rates.

Basic Life and Basic AD&D

Eligible employees automatically receive Basic Life and Basic AD&D coverage from CVS Caremark at no cost.

Coverage is 1 times your base pay or the minimum amount.1 For non-exempt employees, the minimum is $25,000. For exempt employees, it‘s $50,000.

Supplemental Term Life

You can choose coverage from 1 to 8 times your base pay, up to $1,000,000. (The minimum amount is $20,000.) Colleagues may

purchase life insurance and/or accidental death and dismemberment insurance above and beyond the company paid policy. Coverage can be purchased at anytime. You‘ll need to provide proof of good health for coverage which is in excess of 3 times base pay or above

$300,000 whichever is less. If you don‘t enroll when first eligible, or within 30 days of a qualified change in work or family status, you will have to provide proof of good health for any amount of coverage.

Dependent Life

If you enroll in Supplemental Term Life, you can also enroll in coverage for your spouse and/or child(ren).

Spouse Life: You can elect coverage between $10,000 and $100,000, in $10,000 increments. Your spouse‘s coverage amount

can‘t be higher than your own Supplemental Term Life coverage. When you are first eligible for coverage you may elect up to $30,000 of spouse life insurance without proof of good health. Coverage in excess of $30,000 is always subject to proof of good health.

Child Life: You can choose coverage of $10,000 for each child. You‘ll pay the same rate, no matter how many eligible children you

cover. If you don‘t enroll a dependent when first eligible for coverage you will have to provide proof of good health.

1_{If your base pay is above $50,000, the amount of coverage over $50,000 is taxable income under current tax law. The value of this coverage is considered ―imputed}

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BASE Revised 5/29/2013 28 MYHR ENROLLING FOR BENEFITS ELIGIBILITY BENEFITS AT A GLANCE HEALTH PLANS INCOME PLANNING SURVIVOR BENEFITS TIME AWAY FROM WORK WORK/LIFE PROGRAMS OTHER BENEFITS ADDITIONAL DISCOUNTS Supplemental AD&D

You can choose coverage from 1 to 8 times your base pay, up to $1,000,000 (the minimum amount is $20,000). No proof of good health is needed.

Family AD&D: For family AD&D coverage, the amount of coverage depends on who‘s in your family. If you have a;

Covered spouse but no covered child(ren): Your spouse‘s coverage equals your AD&D benefit amount.

Covered child(ren) but no covered spouse: Your child(ren) are each covered for 15% of your AD&D benefit amount.

Covered spouse and covered child(ren): Your spouse‘s coverage equals 80% of your AD&D benefit amount and each child‘s coverage equals 10% of your AD&D benefit amount.

Business Travel Accident Plan

CVS Caremark has you covered. Starting with your first day of work, you’re automatically covered for any work-related business trip (other than your regular commute to work).

All eligible employees receive coverage at no cost. You do not have to enroll for coverage.

Your beneficiary will be the person you designate for your Basic Life and AD&D Plans, or in absence of a designated beneficiary, will follow the default beneficiary from the Basic Life and AD&D plan.

Coverage of five times your annual salary (minimum of $100,000/maximum of $1 million) while traveling on Company business. If you are traveling for business or are on permanent assignment outside of the country, you may receive medical coverage through CVS Caremark that will pay expenses incurred resulting from either a covered accident or an illness while traveling, including personal deviations and side trips. Coverage is provided solely on a secondary basis and after application of the deductible. Benefits will be coordinated with any group or individual health insurance.

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MYHR ENROLLING FOR BENEFITS ELIGIBILITY BENEFITS AT A GLANCE HEALTH PLANS INCOME PLANNING SURVIVOR BENEFITS TIME AWAY FROM WORK WORK/LIFE PROGRAMS OTHER BENEFITS ADDITIONAL DISCOUNTS Bereavement Pay

In the unfortunate event of a death in your immediate family, you will be granted up to three days off with pay. An additional travel day may be paid if needed. Immediate family includes your spouse/same-sex domestic partner, parent, grandparent, step-parent, brother, sister, half brother, half sister, child, grandchild, child‘s spouse, and in-laws of the same.

Holiday Pay

CVS Caremark celebrates a number of federal and state holidays each year. Holiday observances may vary by state and are posted on your facility‘s bulletin board.

Time Away from Work

To balance your work and personal lives, you may sometimes need time away from work. CVS Caremark offers a variety of policies to meet your time-off needs.

Jury Duty Pay

You will receive pay equal to the difference between what you earn while serving such duty and what you would normally have earned at CVS Caremark.

Temporary Military Pay

You will receive supplemental pay equal to the difference between what you earn while serving such duty/training and what you would normally earn at CVS Caremark. Temporary Reserve or National Guard training will receive up to 2 weeks of supplemental pay. Active emergency military duty is limited to twelve months. CVS Caremark reserves the rights to modify supplemental pay based on current military conditions.

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LifeScope for You

Need help coping with stress, family pressures, money issues, or work demands? Through LifeScope For You, colleagues and family members covered under the CVS Caremark medical plan can get up to six face-to-face, private counseling sessions per issue per plan year with providers in your area. There is no cost to you. (Any session after the first six will be treated as an office visit under your medical plan.) You and your family can use the

LifeScope For You services listed below at no cost, whether covered under the CVS Caremark medical plan or not.

Unlimited telephonic counseling 24/7

Child care (including summer day camp) searches and referrals

Parenting skills coaching Adoption counseling Educational planning

Legal and financial help and referrals Elder care resources and planning Confronting common anxieties and fears Building mental fitness and wellness Grief counseling

Pre-retirement counseling and transition guidance Help preparing a family budget

Work/Life Programs

Our work/life benefits are designed for a healthy balance of career and home life. myServiceAward

The myServiceAward Program gives CVS Caremark the opportunity to recognize your years of service and offer attractive awards

celebrating your career milestones with the company.

Educational Assistance Program

This program helps you further your education by paying for a portion of courses that are related to your present position or feasible future position within the Company. Covered expenses include tuition costs, text books, lab fees, registration and required fees (excluding parking, laptops, calculators and student activity fees) for job related courses. See myhr.cvs.com for further information, including course and grade requirements and maximum allowable amounts.

Adoption Benefits

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Employee Discount Program

Employees* get a 30 percent discount on CVS/pharmacy Brand and CVS/pharmacy Exclusive Brands; and 20 percent discount on all other

purchases (of $1 or more) when using their CVS Caremark Employee Discount tag. There‘s a 20 percent discount on all CVS.com over-the-counter purchases and you earn 2 percent back in Extra Bucks every time you shop.**

Using your discount tag

Your discount applies to merchandise purchased by you* for your own use, for use by members of your household, or for gifts. You* must present the discount key tag at the time of purchase in order to receive a discount.

Prescriptions: If you are not enrolled in the CVS Caremark medical plan, you

may use the Employee Discount key tag to pay the average wholesale price for prescriptions filled at CVS/pharmacy for yourself and any eligible dependent living in the same household. If you are covered by the CVS Caremark medical plan, you are automatically covered by the CVS Caremark Prescription Plan. Exclusions apply to both the employee discount tag and Friends & Family coupons. The discount tag and Friends & Family coupons exclude: sale merchandise, discontinued merchandise, milk, bread, alcohol (beer, wine, liquor), gift cards, lottery tickets, money orders, prescriptions, postage stamps, pre-paid cards, tobacco products, newspapers, magazines, iPad, Lookbook and Netbook.

Family and Medical Leave Act (FMLA)

Federal law provides you with up to 12 weeks of unpaid time off within a rolling 12-month period, measured backward to care for a newborn or newly adopted child, a seriously ill spouse, child or parent, or due to your own serious medical condition. The law also covers leaves due to a qualifying exigency arising out of the fact that a spouse, son, daughter or parent is on or has been called to active duty in the Armed Forces in support of a contingency operation.

In addition, eligible employees may take up to 26 weeks of unpaid FMLA leave within a single rolling 12-month period, measured backward, to care for a spouse, parent, son, daughter or next of kin who is a covered member of the Armed Forces with a serious injury or illness incurred in the line of duty on active duty.

To be eligible for FMLA, you must be employed for a minimum of 12 months and have worked at least 1,250 hours in the preceding 12 months immediately prior to the commencement date of the leave. Medical certifications by an attending physician are required for any serious illness absences. For additional information on FMLA and other leave of absence information, go to the myhr.cvs.com home page and click on the link for myLeave.

* Employee‘s Legal Spouse of the Opposite Sex, Civil Union Partner, Registered Domestic Partner and Domestic Partner according to the CVS Caremark policy, in states where applicable are also eligible for this discount.

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Transportation Benefit

Do you pay to park your car or take public transportation to get to and from work? Then it‘s time to consider the transportation benefit. You can order transit passes or vouchers by going to myHR. There‘s no need to enroll in this benefit. Simply go online each month to order your parking or transit pass/voucher. Payments are automatically deducted from your first paycheck of the month.

How the Transportation Benefit Works

Go to myHR to order your parking ticket or transit pass/voucher.

When you purchase your monthly parking or transit pass/voucher, you pay the full monthly amount from your first paycheck of the month on a pre-tax and/or post-tax basis.

Under Internal Revenue Service (IRS) rules, you can have up to $245 per month in pre-tax dollars deducted for parking and up to $245 per month in pre-tax dollars deducted for mass transit expenses (like train or bus passes and vouchers).

If the monthly parking or transit pass/voucher you order is more than the IRS pre-tax limit, no problem. The amount above the pre-tax limit will be taken as a post-tax deduction from your paycheck.

Your passes or vouchers will be mailed to your home.

To order your parking or transit pass/voucher log onto myhr.cvs.com, go to the Other Benefits page and click Transportation

Benefit in the Voluntary Benefits section.

Worried you’ll forget? No problem! Just set up an automatic

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Other Benefits

You can also choose from a range of voluntary benefit options with the convenience of payroll deductions. Note that these plans are not endorsed or sponsored by CVS Caremark.

AFLAC Supplemental Plans

When you‘re sick or injured, the costs can add up fast. CVS Caremark STD and LTD plans can help. But they don‗t cover your salary in full while you‘re out of work. AFLAC plans pay cash benefits directly to you to help with daily expenses when you are hurt or sick. You do not need to be enrolled in CVS Caremark medical coverage to enroll, and you may also choose to cover your dependents. You can enroll in any of the following plans directly through AFLAC and pay though automatic payroll deductions. Once you enroll, you can keep your coverage—even if you leave CVS Caremark. As a newly eligible colleague, you can enroll without providing proof of good health.

Personal Accident Protection. Get up to $120 for a visit to the emergency room and $200 for an ambulance ride.

Personal Cancer Protection. Get hundreds of dollars should you need cancer treatment (including experimental treatment). Specified Health Event Protection. Get extra protection for events like heart attacks, coma, end-stage renal failure, stroke,

and bypass surgery.

Hospital Protection. Get up to $1,000 for surgery, including childbirth. You may also get up to $100 for each day you‘re in the hospital.