Co-Pay Accumulator Adjustment Programs

Co-pay cards often help patients with chronic conditions cover the cost of expensive medications. But the impact these cards have is changing as health plans implement what are called co-pay accumulator adjustment programs.

Under these programs, co-pay cards still help patients access their medication. But health plans do not apply the value toward a patient’s deductible. Once patients use up the co-pay card’s balance, they discover that they still owe hundreds or thousands of dollars in out-of-pocket payments before their insurance coverage applies.

That leaves patients with a difficult choice. They can scramble to pay the hefty out-of-pocket bill, or they can abandon the medication they need.

Featured Resources

Video: Barriers to Patient Access: Co-Pay Accumulator Adjustment Programs

Patient Access Collaborative

Video: The Co-Pay Surprise

Alliance for Patient Access

Policy Brief: Co-Pay Accumulator Adjustment Programs

Institute for Patient Access

Policy Brief: Co-Pay Accumulator Programs: What Can Policymakers Do To Protect Patients?

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Position Statement: Co-Pay Accumulator Programs

Alliance for Patient Access

Fast Facts: Co-Pay Coupons

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Infographic: The Ugly Co-Pay Surprise

Alliance for Patient Access

Blog: Co-Pay Surprise Looms for Chronic Disease Patients

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Blog: Proposed Federal Rule Could Unleash Co-Pay Surprise

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Blog: New Co-Pay Coupon Rules: Another Blow to Patients

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Blog: CMS Limits Co-Pay Surprise for Obamacare Patients

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Blog: My Co-Pay Accumulator Story

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Blog: Are Employers on the Hook for Co-Pay Accumulators’ Harm?

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Blog: How Policymakers Can Stop Patients’ Co-Pay Surprise

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Blog: IfPA Paper Explains How New Co-Pay Coupon Rules Hurt Patients

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Blog: Patients’ Nasty Co-Pay Surprise

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