Not startedCase study · 12 min
Copay Accumulators
How accumulator and maximizer programs change patient economics — and manufacturer gross-to-net.
A copay card that does not count toward the deductible does not do what the patient thinks it does. Accumulators and maximizers are plan-design choices that shift the residual back onto the manufacturer’s support budget.
This case uses a specialty brand with a high deductible and a maximizer in-market. The fill happens. The manufacturer’s net does not look like the forecast that assumed the card would buy adherence.
Key takeaways
- The card is not the benefit design
- Maximizers spend the support budget
- Forecast the plan, not the card