Thanks, Paul.  A call to Caremark by her indicates that it isn't
covered -- so perhaps it's determined not by Caremark, but by the
company paying Caremark.  Thanks for the info, though -- I'll pass this
on to her, as she might need to contact someone other than Caremark
about the "lack of coverage."

Every contract's formulary is different.  My carrier (humana) farms
out pharmacy coverage to Caremark.  That formulary includes no
diabetes medication or supplies.  I have a separate rider on my
primary health coverage for diabetes stuff, at a different copay and
with no mail order requirement.

My pen needles weren't covered when they were first prescribed to me.
I made some phone calls and learned that until my prescription no one
on my plan (through my husband's employer) was using a cartridge
insulin delivery system, so while the insulin was already on the
formulary the pen needles were not.  It cost me half an hour of time,
and I did buy the first box at retail, but I've been reimbursed.

Suggest to your friend that she phone her primary health insurance
provider about the situation.

+++++++++++++

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