Federal PBM reform is now law. Learn what changes in 2029, why your contract renewal matters sooner than you think, and the questions to ask your PBM today.

DisclosedRx Member Advocates and Savings Advocates work to resolve coverage issues, find savings, and make sure members get the medication they need.

A fiduciary PBM should work for you, not against you. Learn the five pillars of a genuine pharmacy benefit and what Full Disclosure actually means.

Tennessee's PBM reform bill targets spread pricing, rebates, and pharmacy reimbursement. Here's what employers should watch as the legislation takes shape.

In a real estate transaction, two people sit across the table from each other with opposite goals. The seller wants the highest price possible. The buyer wants to pay as little as they can. Now imagine one agent representing both of them at the same time. That agent cannot fully advocate for either party without undermining the other, and someone ends up on the losing side. Traditional pharmacy benefit managers operate inside the same conflict, and most employers have never s

Most PBM contracts show you some of the picture. Learn how spread pricing, rebate definitions, and carve-outs affect what your plan actually pays.

Most employers assume their PBM works for them. Traditional PBMs often collect revenue from multiple sources. Learn what a fiduciary PBM does differently.

California's SB 41 bans spread pricing and puts new fiduciary requirements on PBMs. Here's what plan sponsors and brokers should do right now.

Every pharmacy benefits manager claims they work for you. But when prescription drug costs keep climbing, those promises deserve closer examination. What makes a PBM truly fiduciary? A Fiduciary PBM is contractually and ethically bound to act in the best interests of its clients. This contractual obligation creates accountability that traditional PBMs actively avoid. Is it in your contract? Pull out your current PBM contract and look for these specifics: 100% pass-through of

Ask these 10 questions to evaluate any PBM partnership. Learn what to look for in contracts around pricing, rebates, data ownership, and more.

Analysis of a 4,552-member pharmacy benefit revealed $232K lost to spread pricing and $133K in avoidable brand costs. Total savings projection: $2M+.

Why do expensive brand drugs have lower copays than generics? Learn how formulary tier placement affects your plan costs and what questions to ask.

Your employees pay $1,000 for a $500 medication. The difference goes to your PBM. Here's how rebates influence your pharmacy spend.

A health plan paid $136,000 for medication that should cost $1,300. Learn why Full Disclosure in pharmacy benefits matters for your organization.

PBMs were created to simplify pharmacy benefits. Now they're the problem. Learn how the middleman model works and why Full Disclosure matters.

Plan sponsors deserve complete visibility into pharmacy spend. Learn how fiduciary commitment and Full Disclosure are reshaping PBM partnerships in 2026.

Many employers wonder if their PBM truly delivers value. Learn what a real pharmacy benefit looks like: lower costs, better service, and Full Disclosure.

Business owners could be overpaying for pharmacy benefits by 20-30%. Learn how a Fiduciary PBM helps you reclaim capital you're already spending.

GLP-1 costs are overwhelming employer health plans. Without clinical oversight, spending doubles or triples. Here's what responsible management looks like.

Most PBMs are fiduciaries to shareholders, not you. Learn what to look for in contracts, why Full Disclosure matters, and questions every employer should ask.