Patients with bleeding disorders often rely on copay assistance programs in order to afford the specialty medications essential to their health. Insurance companies are applying "Copay Accumulator Adjustment Programs" to patients' health plans in Florida, which excludes copay assistance payments from counting toward the patient's out-of-pocket maximum or annual deductible. The patient is then made responsible for covering the full amount of their out-of-pocket maximum, which could cost thousands of dollars, putting patients at risk of severe financial burden, difficulty affording life-saving specialty medication, difficult adhering to a treatment plan, and increased medical issues and costs.
