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.
Video: Barriers to Patient Access: Co-Pay Accumulator Adjustment Programs
Patient Access Collaborative
Policy Brief: Co-Pay Accumulator Programs: What Can Policymakers Do To Protect Patients?
Institute for Patient Access