Warning: Avoid Copay Accumulator in Open Enrollment

Warning: Avoid Copay Accumulator in Open Enrollment

Here’s the first thing every patient should check before picking a health insurance plan during open enrollment: Does the plan have a copay accumulator? Insurance companies use copay accumulator programs to increase a patient’s out-of-pocket costs, and they are...
Open Enrollment: Beware These Insurance Barriers & PBM Schemes

Open Enrollment: Beware These Insurance Barriers & PBM Schemes

Every year, patients struggle to pick the right health insurance during open enrollment. That difficult task is made harder by insurance companies and pharmacy benefit managers. “Formularies, specialty tiers, prior authorization — health insurance might as well...