For Payers & PBMs

Maximizer & Copay Program Detection

Identify patients enrolled in maximizer programs or using copay cards — at 90%+ confidence — using Rx insurance and demographic signals, with ongoing claims monitoring.

Built for Payers Built for PBMs
Maximizer dashboard

Maximizer and copay assistance programs significantly affect plan economics. Patients enrolled in these programs often have their out-of-pocket costs subsidized by manufacturers — effectively offsetting accumulator and maximizer adjustments made by payers and PBMs. Identifying these patients early and tracking them throughout the plan year is critical.

Maximizer combines Rx insurance data and patient demographic signals to determine program enrollment at 90%+ confidence — both at enrollment and on an ongoing basis through claims monitoring, since patients can enter and exit these programs throughout the year.

Two Detection Capabilities, Two Buyer Use Cases

For Payers

Maximizer Program Enrollment Detection

Insurance companies need to know which members are enrolled in manufacturer maximizer programs — where a copay card offsets the member's accumulator, meaning cost-sharing never actually transfers to the member. Maximizer flags these patients at enrollment using Rx claims and demographic data, and continues monitoring through the plan year as enrollment status changes.

For PBMs

Copay Card Usage Detection

Pharmacy Benefit Managers need visibility into which members are actively using manufacturer copay cards at the point of sale. Maximizer identifies copay card usage from claims data, enabling PBMs to adjust formulary strategy, flag accumulator bypass risk, and make informed decisions about specialty drug management.

  • 1
    90%+ Confidence at Enrollment

    Using Rx insurance and demographic signals, Maximizer identifies program enrollment before the first claim is processed — giving payers early intervention capability.

  • 2
    Ongoing Claims Monitoring

    Patients move in and out of maximizer and copay programs throughout the year. Maximizer continuously monitors claims to keep your data current.

  • 3
    Protect Plan Economics

    Accurate program identification helps payers and PBMs quantify exposure, adjust formulary strategy, and prevent unintended subsidy of member cost-sharing.

How it Works

Maximizer workflow

Maximizer ingests Rx insurance data and patient demographics at the point of enrollment or claim adjudication. Our models score each patient against known maximizer and copay program patterns — combining signal from formulary tier, drug class, plan type, and geographic indicators.

Continuous Program Monitoring

Because maximizer enrollment is not static, Maximizer re-evaluates patients at every claim event. When a patient's status changes — enrolled, unenrolled, or copay card activated — your system is updated automatically, ensuring decisions are always based on current data.

  • Step 1: Patient Rx insurance and demographic data is ingested at enrollment or claim creation.
  • Step 2: ML models score the patient's likelihood of maximizer enrollment or copay card usage at 90%+ confidence.
  • Step 3: Flagged patients are surfaced with confidence score, signal breakdown, and recommended action.
  • Step 4: Ongoing claims monitoring re-evaluates each flagged patient at every claim event throughout the plan year.
  • Step 5: Status updates are delivered via API or dashboard — keeping your formulary and accumulator logic aligned with ground truth.
FHIR

FHIR-Compatible API — Available

Our team has deep expertise in FHIR and is actively building a FHIR-compatible endpoint for Maximizer. If your organization requires FHIR-format data exchange, reach out — we can scope an integration tailored to your specific requirements.

Discuss your integration needs
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