How do copay accumulators harm patients?

Copay accumulators harm patients. Insurance companies that implement accumulators, also known as accumulator adjustment programs, will accept copay assistance paid on behalf of a patient, but don’t apply those dollars to a patient’s deductible or maximum out of pocket costs.

When the copay support runs out, patients are surprised to find they must still pay their deductibles and out of pocket maximums—often thousands of dollars—while the insurance company essentially gets paid twice. These programs force patients to choose between medications and mortgages, treatments and tuition. They’re not fair and should be ended.

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