TIER 2 · COPAY CARDS · FINANCIAL IMPACT CALCULATOR
Manufacturer Copay Cards Shift Cost. The Plan Absorbs It.
The Five-Step Calculator to Model the Shift.
A 2-page printable walkthrough PBS uses across 100s of PBM contract reviews annually. Free download. Sent to your inbox.
Five-step model of the cost shift from copay cards to the plan
Accumulator vs. maximizer decision matrix
Where the copay-card value actually lands, and with whom
Implementation worksheet for the option you choose
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A complete audit framework you can run in half a day.
WHAT IS IN THE WORKSHEET
PASS 03
Find Where the Value Lands
The decision matrix lays out copay accumulator against copay maximizer: how each treats the manufacturer's assistance, the member's deductible, and the plan's net cost.
PASS 01
Model the Cost Shift
Walk the five-step calculation to model how manufacturer copay-card dollars shift cost onto the plan, and how much of that value the PBM captures through an accumulator program.
PASS 02
Compare Accumulator vs. Maximizer
The decision matrix lays out copay accumulator against copay maximizer: how each treats the manufacturer's assistance, the member's deductible, and the plan's net cost.
ACTION PLAN
This Quarter's Action Plan
Run the five-step model on your highest-cost copay-card drugs, choose accumulator or maximizer with eyes open, and use the implementation worksheet to put the decision into the contract.