EGWP Notice | PWGA Pension & Health

November 1, 2026

Dear Participant,

The Writers’ Guild-Industry Health Fund (“the Fund”) is enrolling you in its Employer Group Waiver Plan (EGWP) as your retiree prescription drug plan beginning January 1, 2027, unless you tell us by December 15, 2026 that you don’t want to join the Fund’s EGWP prescription drug plan. The Fund’s retiree prescription drug plan is a Medicare Prescription Drug (Part D) plan, known as an Employer Group Waiver Plan (EGWP), designed for retired members and their eligible Medicare-eligible dependents.

This enrollment will automatically cancel your enrollment in a different Medicare Prescription Drug (Part D) plan or a Medicare Advantage plan. Please call us if you think you might be enrolled in a different Medicare Prescription Drug plan or a Medicare Advantage plan.

What Do I Need To Know as a Member of the Fund’s EGWP?

This mailing includes important information about the EGWP and the coverage it offers, including a summary of benefits document (see the attached Summary of Material Modifications). Please review this information carefully. If you want to be enrolled in the EGWP Medicare prescription drug plan, you don’t have to do anything — and your coverage will start on January 1, 2027.

Once you are a member of the EGWP, you have the right to appeal plan decisions about payment or services to Express Scripts if you disagree. Read the Summary of Material Modifications to know which rules you must follow to receive coverage under this Medicare prescription drug plan.

The EGWP is a Medicare prescription drug plan and is in addition to your coverage under Medicare Part A and/or Part B. Your enrollment in the Fund’s EGWP doesn’t affect your coverage under Medicare Part A or Part B. It is your responsibility to inform the Fund of any other prescription drug coverage that you have or may get in the future. You can be enrolled in only one Medicare prescription drug plan at a time. If you are currently in a Medicare prescription drug plan, your enrollment in the EGWP will automatically end that other Medicare prescription drug plan enrollment. Enrollment in the EGWP is generally for the entire year.

Consent To Release and Disclosure of Information

By joining this Medicare prescription drug plan, you acknowledge that the Fund will release your information to Medicare and other plans as is necessary for treatment, payment and health care operations. You also acknowledge that the Fund will release your information,

including your prescription drug event data, to Medicare, who may release it for research and other purposes in accordance with applicable Federal statutes and regulations.

What Happens if I Don’t Join the EGWP?

You aren’t required to be enrolled in this plan. You can also decide to join a different Medicare drug plan on your own or arrange for other prescription drug coverage. You can call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week, for help learning how. TTY users should call 1-877-486-2048.

However, if you choose to opt out or decline enrollment in this EGWP plan:

You will not be enrolled in the Fund’s prescription drug coverage, and you will not be able to enroll in the Fund’s prescription drug coverage until your next special or open enrollment period.
If you do not have other “creditable” prescription drug coverage (coverage that is at least as good as Medicare’s standard Part D benefit), you may have to pay a permanent Part D Late Enrollment Penalty (LEP) if you later join an individual Medicare drug plan on your own.

How To Opt Out

If you understand these consequences and still wish to decline this plan, you must notify us no later than December 15, 2026 and complete, sign, and return the enclosed Opt-Out Election Form.

Before you opt out of the EGWP, you are strongly encouraged to set up a counseling appointment with the Fund Office to discuss your decision.

EGWP Opt Out Form

How To Get More Information

Questions about your benefits? For information about Certified Retiree coverage, including the EGWP prescription coverage, visit wgaplans.org or call Monday–Friday, 8:30 AM to 5:00 PM PT: (818) 846-1015 or (800) 227-7863.

Questions about other Medicare options? If you opt out of our plan, you can choose to join an individual health or drug plan on your own. You can contact Medicare directly for free, personalized guidance:

Visit the official Medicare website at www.medicare.gov
Call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. TTY users should call 1-877-486-2048.

Benefit Overview

Express Scripts Medicare® (PDP) for the Writers Guild Industry Health Fund

Your 2027 Prescription Drug Benefit

Here is a summary of what you will pay for covered prescription drugs across the different stages of your Medicare Part D benefit. You can fill your covered prescriptions at a network retail pharmacy or through our home delivery service. Some network retail pharmacies in your plan will only dispense a one-month supply, while select retail pharmacies will provide up to a 90-day supply. Please visit our website at express-scripts.com or call Express Scripts Medicare Customer Service for more information.

Initial Coverage Stage

You will pay the following until your total yearly drug costs (what you pay and a portion of what the plan pays) reach $2,400:

Tier	Retail One-Month (30-day) Supply	Retail Three-Month (90-day) Supply	Express Scripts® Pharmacy Home Delivery Three-Month (90-day) Supply
Tier 1: Generic Drugs	$10 copayment	$20 copayment	$20 copayment
Tier 2: Preferred Brand Drugs	$25 copayment	$50 copayment	$50 copayment
Tier 3: Non-Preferred Drugs	$50 copayment	$100 copayment	$100 copayment

You may receive more than a one-month supply of certain maintenance drugs (medications taken on a long-term basis) by mail through Express Scripts Pharmacy. There is no charge for standard shipping. Not all drugs are available at a 90-day supply.

Catastrophic Coverage Stage

If you reach the Catastrophic Coverage stage, you pay nothing for covered Part D drugs.

You may have cost sharing for excluded drugs that may be covered under your enhanced benefit, if your plan covers additional drugs not normally covered by Medicare Part D.

Long-Term Care (LTC) Pharmacy

If you reside in an LTC facility, you pay the same as at a network retail pharmacy. LTC pharmacies must dispense brand-name drugs in amounts of 14 days or less at a time. They may also dispense less than a one-month supply of generic drugs at a time. Contact your plan if you have questions about cost sharing or billing when less than a one-month supply is dispensed.

Out-of-Network Coverage

You must use Express Scripts Medicare network pharmacies to fill your prescriptions. Covered Medicare Part D drugs are available at out-of-network pharmacies only in special circumstances, such as illness while traveling outside of the plan’s service area where there is no network pharmacy. You generally have to pay the full cost for drugs received at an out-of-network pharmacy at the time you fill your prescription. You can ask us to reimburse you for our share of the cost. Please contact Express Scripts Medicare Customer Service at the numbers on the back of this document for more details.

Important Plan Information

The service area for this plan is all 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, the Northern Mariana Islands and American Samoa. You must live in one of these areas to participate in this plan.
You are eligible for this plan if you are entitled to Medicare Part A and/or are enrolled in Medicare Part B, are a U.S. citizen or national or eligible noncitizen, and are eligible for benefits from the Writers Guild Industry Health Fund.
The amount you pay may differ depending on what type of pharmacy you use; for example, retail, home infusion, LTC or home delivery.
If your doctor prescribes less than a full month’s supply of certain drugs, you will pay a daily cost-sharing rate based on the actual number of days of the drug that you receive.
To find a network pharmacy near you, visit our website at express-scripts.com/pharmacies.
Your plan uses a formulary – a list of covered drugs. The amount you pay depends on the drug’s tier and on the coverage stage that you’ve reached. From time to time, a drug may move to a different tier. If a drug you are taking is going to move to a higher (or more expensive) tier, or if the change limits your ability to fill a prescription, Express Scripts Medicare will notify you before the change is made.
A PDF of our printed drug list for 2027 will be available by logging into express-scripts.com/documents beginning on October 15, 2026.
Most adult Part D vaccines are covered at no cost to you.
The plan may require you to first try one drug to treat your condition before it will cover another drug for that condition.
Your healthcare provider must get prior authorization from Express Scripts Medicare for certain drugs.
Some retail pharmacies in your plan only provide a one-month supply of your covered prescriptions at the one-month supply cost share.
Your cost-sharing amount may differ from the information shown in this chart if you use a home delivery pharmacy other than Express Scripts Pharmacy. Other pharmacies are available in our network.
The Medicare Prescription Payment Plan is an option to help you manage your out-of-pocket drug costs. This payment option works with your current drug coverage, and it can help you manage your drug costs by spreading them across monthly payments that vary throughout the year (January – December). This payment option might help you manage your expenses, but it doesn’t save you money or lower your drug costs.
If the actual cost of a drug is less than the normal cost-sharing amount for that drug, you will pay the actual cost, not the higher cost-sharing amount.
If you request an exception for a drug and Express Scripts Medicare approves the exception, you will pay the cost-sharing amount set by your plan for that drug.
You must continue to pay your Medicare Part B premium, if not otherwise paid for under Medicaid or by another third party, even if your Medicare Part D plan premium is $0.
The plan keeps track of the costs of your prescription drugs and any payments made when you fill or refill your prescription. This summary, called the Explanation of Benefits (Part D EOB), is available electronically by visiting our website, express-scripts.com. You can also request a printed copy to be mailed to you by calling Express Scripts Medicare Customer Service at the phone numbers on the back of this document.

For an explanation of your plan’s rules, contact Express Scripts Medicare Customer Service at the numbers on the back of this document or review the Evidence of Coverage (EOC) by visiting our website, express-scripts.com/documents. You can request a copy of the EOC by calling Express Scripts Medicare Customer Service.

Does My Plan Cover Medicare Part B or Non-Part D Drugs?

In addition to providing coverage of Medicare Part D drugs, this plan provides coverage for Medicare Part B medications, as well as for some other non-Part D medications that are not normally covered by a Medicare prescription drug plan. The amounts paid for these medications will not count toward your total drug costs or total out-of-pocket expenses. Please call Customer Service for additional information about specific drug coverage and your cost-sharing amount.

Will My Income Affect My Cost for Medicare Part D Coverage?

Some people may pay an extra amount called the Part D Income-Related Monthly Adjustment Amount (Part D-IRMAA) because of their yearly income. If you have to pay an extra amount, Social Security – not your Medicare plan – will send a letter telling you what the extra amount will be and how to pay it. If you have any questions about this extra amount, contact Social Security at 1-800-772-1213 between 8 a.m. and 7 p.m., Monday through Friday to speak with a representative. Automated messages are available 24 hours a day. TTY users should call 1-800-325-0778.

Read the Medicare & You 2027 Handbook

The Medicare & You handbook has a summary of Original Medicare benefits, rights and protections, and answers to the most frequently asked questions about Medicare. You can get a copy at the Medicare website (Medicare.gov) or by calling 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. TTY users should call 1-877-486-2048.

Express Scripts Medicare Customer Service

1-877-278-6053
24 hours a day, 7 days a week
We have free language interpreter services available for non-English speakers.
TTY: 1-800-716-3231
You can also visit us on the Web at express-scripts.com.

This information is not a complete description of benefits. Call Express Scripts Medicare at the phone numbers above for more information.

Important Message About What You Pay for Insulin – You won’t pay more than $35 for a one-month supply for each insulin product covered by your plan, no matter its cost-sharing tier. If your plan covers insulin at a lower cost-sharing amount, you will pay the lower amount. If your plan has a deductible, there is no deductible for covered insulins.

ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800-268-5707 (TTY: 1-800-716-3231).

This document may be available in braille. Please call Customer Service at the phone numbers listed above for assistance.

For questions about premiums, enrollment and eligibility, please contact PWGA Eligibility Department at 1-818-846-1015 option 1, then option 2. Hours of operation are Monday through Friday, 8:30 a.m. to 5:00 p.m., PST.

Express Scripts Medicare (PDP) is a prescription drug plan with a Medicare contract. Enrollment in Express Scripts Medicare depends on contract renewal.