copay maximizers

Letter to North Carolina insurance commissioner on enforcing the state’s copay accumulator ban

We write regarding enforcement of North Carolina’s state law that requires insurers to count copay assistance from drug manufacturers towards beneficiaries’ cost-sharing obligations. As detailed in the letter, Mr. Frank Marino has an Ambetter plan that, contrary to state law, is not counting his copay assistance towards his deductible. According to him, the NC Insurance Department has interpreted the law in a contrary manner. As noted in the letter, United Healthcare also has language in their plan policy documents stating that copay assistance does not count. We are asking you to review these matters and fully enforce the law. Additionally, we would very much like to meet with you at your earliest convenience.

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Letter to Louisiana Senate in Opposition to Reinstating Copay Maximizer Language in HB 1236

Copay assistance programs exist to help patients afford the high costs of essential medications. For people living with HIV and hepatitis B, lifelong daily treatment is required. For hepatitis C, a curative treatment is available but often comes with a high upfront cost. Without assistance that counts toward out-of-pocket limits, patients in high-deductible or high-cost-sharing plans may be forced to go without treatment. Allowing maximizer programs to flourish, particularly under the false premise that they benefit patients, only reinforces barriers to treatment.

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