![]() This saved the patient money and helped with medication adherence, since it’s more likely the patient can afford the drug. A claim is then filed with their insurance company with the out-of-pocket cost coming back as $100 for the patient.Ī manufacturer coupon or savings card is often available for the drug to help cover this out-of-pocket cost, which contributes $90, leaving the patient to owe only $10.īefore accumulator programs, that total ($100) would go directly toward reaching a deductible or out-of-pocket maximum. Let’s say a patient is at the doctor and is prescribed an expensive specialty medication as treatment. What did use of a manufacturer savings card look like before co-pay accumulator programs? To give you an idea of what these programs are, here are a few questions and answers: 1. Often, patients aren’t aware these programs are working in the background until they are surprised with a large bill at the pharmacy midway through the year. As a reminder, manufacturer coupons are typically drug-specific and available only for patients with commercial insurance.Ĭo-pay accumulator programs have been growing in prevalence over the last few years and states have put laws into place around them, but it’s not always obvious to the end consumer how they work. Co-pay accumulators are programs that insurance plans use to manage a patient's contribution to their deductible when utilizing a manufacturer coupon. We're frequently asked about co-pay accumulator programs and how they fit into the spectrum of prescription discount cards. #Copay accumulator series#Next up in our educational series around patient prescription cards, we'll help break down the complex concept of co-pay accumulator programs. ![]()
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