Copay accumulator

Definition

An insurance plan design that prevents manufacturer copay-card assistance from counting toward the patient's deductible or out-of-pocket maximum. The patient still benefits from the manufacturer card during the assistance period but resumes paying full out-of-pocket costs once the card runs out. Common on commercial high-deductible plans for high-cost specialty drugs like GLP-1s.

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Definition curated by Weight Loss Rankings — sourced from FDA labels and peer-reviewed PubMed literature, never AI-generated summaries.

Related terms in insurance

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

Looking for more depth?

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