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This Prescription Drug Benefit Summary is a part of the Plan and is subject to all terms and conditions of the Plan (as modified by this summary). You may request a copy of the Plan from the Plan Administrator. This summary updates the Plan by clarifying, adding to, and/or replacing the provisions described therein. Any terms and conditions of the Plan which are not specifically modified by this summary have not been changed and thus remain in full force and effect. If you have any questions about the Prescription Drug Program or this summary, please contact the Plan Administrator.

This is a Prescription Drug Program (the “Program”) intended to cover the Usual and Customary (U&C) Charges for Prescription Drugs under the Marquette University plan (the “Plan”). Prescription Drug Benefits are provided to you under the Program as part of your medical benefit under the Plan. If You choose to not enroll for medical coverage, then you will not be covered by this Program. The Program is part of the Plan and the Summary Plan Description.

Under the Program, if you get your prescription filled at a Network Pharmacy, you present your identification card and pay the applicable deductible and/or the applicable co-insurance. There are no claim forms to fill out. To find out if your pharmacy is in this network, contact Medco by calling 800-711-0917 or visiting www.medco.com.

In addition, the Program includes Medco by Mail, a mail-order pharmacy service, if you use maintenance or long-term medication. You may save money by using the mail-order service to fill Your maintenance drugs, such as those prescribed for diabetes, high blood pressure or asthma. You can receive up to a 90-day supply of medication by using Medco By Mail. You pay the applicable deductible and/or the applicable co-insurance each time you get a prescription filled.

DEFINITIONS

Brand-name drug (brand drug) means a medication that is available only from its original manufacturer or from another manufacturer that has a licensing agreement to make the drug with the brand-name manufacturer. These medications are marketed under a recognized brand name. A brand-name drug may have a generic equivalent once the manufacturer is required to allow other manufacturers the opportunity to make the medication.

Co-insurance means a cost-sharing requirement that provides that the Covered Person will assume a portion or percentage of the costs of Prescription Drugs. The Covered Person is responsible for paying any Co-insurance amounts, according to a fixed percentage.

Coverage Review means the process of obtaining approval for certain Prescription Drugs prior to dispensing per the Plan. This approval is to be obtained from Medco by the prescribing physician or the pharmacist. The list of Prescription Drugs requiring a Coverage Review is subject to periodic review and modification by the Plan and can be obtained by calling 800-711-0917 or visiting www.medco.com.

Deductible means the individual and family prescription drug deductible amounts are shown on the Prescription Drug Schedule of Benefits. A deductible must be met before any benefits will be paid under this prescription drug plan. After the deductible has been met, the Plan will pay the remaining Covered Expenses at the percentage shown on the Schedule of Benefits for the remainder of the calendar year.

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Experimental, Investigational or Unproven means a medication, product or device which the Plan Administrator, in the exercise of its discretion, determines does not constitute accepted medical practice under the standards of a reasonably substantial, qualified, responsible, and relevant segment of the medical community after taking into account the requirements for Medically Necessary care and

treatment. The Plan Administrator shall determine that a medication, product or device is Experimental, Investigational or Unproven to the extent that it has not been approved by the Food and Drug

Administration. The decision of the Plan Administrator in this regard shall be made in its discretion, in accordance with this definition, and shall be final and binding on the Covered Person and all other interested persons.

Formulary means a formulary is a comprehensive list of drugs used by plan sponsors to highlight preferred products. Products are selected on the basis of safety, efficacy and cost.

Generic drug means a generic drug is a medication that contains the same active ingredient and is manufactured according to the same strict federal regulations as its brand-name counterpart. Generic medications may differ in color, size, or shape, but the Food and Drug Administration requires that they have the same strength, purity, and quality as their brand-name counterparts. A generic medication can be produced once the manufacturer of the brand-name medication is required to allow other

manufacturers the opportunity to produce the medication.

Medically Necessary or Medical Necessity means services or supplies which meet the following tests: they are recommended or approved by a licensed Healthcare Provider; they are appropriate and

necessary for the symptoms, diagnosis, or treatment of the medical condition; they are provided for the diagnosis or direct care and treatment of the medical condition; they meet the standards of good medical practice within the medical community in the service area; they could not have been omitted without adversely affecting the Covered Person’s condition; they are not primarily for the convenience of the Covered Person or the service provider; they are not Experimental, Investigational or Unproven; and they are the most appropriate level or supply of service which can safely be provided.

The Plan Administrator or its agent shall determine, in its discretion, whether a service or supply is Medically Necessary and, in this respect, may consider the views of the state and national medical communities, the guidelines and practices of Medicare, Medicaid, or other government-financed programs, and peer reviewed literature. Although a Healthcare Provider may have prescribed or

recommended a service or supply, nevertheless, such service or supply may not be Medically Necessary within this definition.

Network Pharmacy means a pharmacy which has (1) entered into an agreement with Medco or its designee to provide Prescription Drugs to Covered Persons; (2) has agreed to accept specified reimbursement rates for dispensing Prescription Drugs and (3) has been designated by Medco as a Network Pharmacy. A Network Pharmacy can be either retail or Medco by Mail. A list of Network Pharmacies who provide Prescription Drug coverage to Covered Persons may be obtained by calling 800-711-0917 or visiting www.medco.com.

Non-Network Pharmacy means a pharmacy which is not a Network Pharmacy.

Prescription Drug means a medication, product or device that has been approved by the Food and Drug Administration and which, under federal or state law, can be dispensed only pursuant to a Prescription Order or Refill and which is required to be labeled “Caution: Federal Law prohibits dispensing without a prescription.

Prescription Drug Cost means Medco’s contracted reimbursement rate, including any sales tax, with the Network Pharmacy where a Prescription Drug is dispensed.

Prescription Order or Refill means the directive to dispense a Prescription Drug issued by a duly licensed Healthcare Provider legally authorized to write such a directive while acting in the scope of his or her license.

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Specialty Pharmacy means dedicated pharmacy offering a broad spectrum of prescription medicines and integrated clinical services to patients on long-term therapies to support the treatment of complex, chronic diseases. Specialty prescriptions may be filled through Medco’s Specialty pharmacy. Certain Specialty medications must be filled at Medco’s Specialty Pharmacy. Review the Specialty Pharmacy Program section found later in this document for more details.

Step Therapy means Step Therapy edits encourage the prescribing of generics and lower cost

alternative brand preferred drugs, when appropriate, by using effective communications to members and physicians.

Usual and Customary Charge means the price that a pharmacy provider would have charged for a prescription on the date of service if the member was a cash customer (i.e., the amount usually charged for pharmacy services). It includes all applicable discounts such as senior citizen or promotional discounts.