In a recent survey of employers, nearly 30% implemented a CAAP for 2019 and 21% were contemplating one for 2020 or 2021.Among these individuals, 59% reported that they can use it to pay for their deductibles, 27% reported they can’t use it for their deductible and 14% reported that they don’t know. 39% of patients on an employee-sponsored health plan used a drug manufacturer co-pay card to help pay for their arthritis medications.When faced with that unexpected charge, 24% of patients said that they did not fill their prescription, and 8% of patients said they did not take their prescription as prescribed. 84% said that a large, unexcepted charge for a prescription drug would impact their overall budget.In an Arthritis Foundation survey of more than 600 patients, we found that:.HDHPs have become increasingly popular as employers and insurers seek opportunities to incentivize appropriate health care utilization and to lower costs. People most likely to be enrolled in co-pay accumulator adjustment programs include those with employer-sponsored insurance plans, particularly individuals enrolled in high-deductible health plans (HDHPs).As a result, when you go to refill your prescription in April, you will owe $3,000, the full cost of your drug, because the deductible has not yet been paid down. By the time March arrives, you’ve reached the limit on your co-pay assistance. You use your co-pay card at the pharmacy and make a regular co-payment at the counter. Example: It’s the start of a new health plan year in January and you are on a biologic with a list price of $3,000 a month.These programs can be called different names, are often marketed as a positive benefit, and are often disclosed many pages into plan materials, leading to a lack of awareness about them to patients. ![]()
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