Copay accumulator

Definition

A plan design that stops manufacturer copay assistance from counting toward your deductible or out-of-pocket maximum. You still get the card's benefit while it lasts, then land back at full cost with the deductible untouched. Common on commercial high-deductible plans for exactly this class of drug.

GLP Watchdog writes these definitions from FDA labels and peer-reviewed PubMed literature. Not one of them is an AI-generated summary.

Other terms under insurance

• PBM (Pharmacy Benefit Manager)
• Specialty pharmacy
• Mail-order pharmacy
• Quantity limit
• Bridge therapy
• Patient assistance program (PAP)
• Manufacturer coupon
• Deductible
• Coinsurance

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