Includes:
- Uncover hidden pharmacy costs
- Discover the 3–5 biggest contract traps
- Checklist to evaluate your PBM
No cost. No obligation. Built for CFOs, HR leaders, and self-insured employers.
"We lowered our pharmacy PMPM from $430 to $232 without disrupting employee benefits.”
— COO, Law Firm
The top three Pharmacy Benefit Managers control approximately 80% of U.S. prescription claims. As a result, many employers are forced to evaluate pharmacy performance through discounts, rebates, and complex reporting instead of what matters most: true net cost.
When incentives are misaligned, “savings” on paper can hide rising overall pharmacy spend.
Pharmacy was once about 10% of total claims for many employers. Now, in some plans, it is approaching 40%, making it one of the fastest-growing and least transparent drivers of healthcare spend.
Rising specialty drug utilization, rebate-driven pricing, and opaque PBM contract structures are creating more volatility and making it harder for employers to understand what they are truly paying.
For self-insured employers especially, that means pharmacy may be one of the largest unmanaged expenses in the plan.
Many traditional PBM arrangements include contract terms and pricing structures that make it difficult to identify true savings.
✔️ Spread pricing that inflates cost
✔️ Rebates retained by the PBM instead of passed through to the employer
✔️ Specialty drug costs with no proactive management strategy
✔️ Hidden fees that create budget uncertainty
✔️ Limited audit rights and restricted access
✔️ Reporting that emphasizes discounts and not true net costs
If you are only being shown discounts and rebates, you may not be seeing the full financial picture.
CFOs looking for greater control over healthcare costs
HR leaders responsible for benefits strategy
Self-insured employers seeking transparency and savings
Employers with growing pharmacy spend or limited contract visibility
This is best suited for employers who want a more strategic view of pharmacy, not just a renewal spreadsheet.
This free resource is designed to help CFOs, HR leaders, and decision-makers better evaluate whether their current PBM arrangement is serving the organization well
You will learn:
✔️ Where hidden pharmacy costs appear
✔️ How PBM contracts increase spend
✔️ How transparent models work
✔️ Discount Game the PBMs play
✔️ PBM question checklist
✔️ Evaluation spreadsheet
We have been unbundling pharmacy from the medical for the past five years, helping clients achieve significant savings and greater transparency.
Our goal is simple: We work for you, not the carriers.
Eric Papp, VP Employee Benefits
"We had been with the same broker for over 15 years, so we assumed our pharmacy pricing was probably in line. After taking a closer look, we found we were overpaying by nearly $900,000! I wish we had reviewed it sooner."
CFO, Self-Insured Manufacturer
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