Accumulator programs target specialty drugs for which a manufacturer provides copayment assistance. Unlike conventional benefit designs, the manufacturer’s payments no longer count toward a patient’s deductible or out-of-pocket maximum. Plan sponsors (employers and health plans) will save big money because accumulators shift a majority of drug costs to patients and manufacturers. Accumulator programs will further lower a plan’s drug spending by discouraging the appropriate utilization of specialty therapies and reducing adherence.

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The Pharmaceutical Research and Manufacturers of America (PhRMA) recently unveiled new advertisements as part of its “Let’s Talk About Cost” campaign highlighting how the use of copay accumulator programs by insurance companies and other middlemen could result in patients facing thousands of dollars in unexpected medical costs. These programs block the copay coupons biopharmaceutical companies offer for some medicines from being applied to deductibles and out-of-pocket maximums, which over the course of the year leads to patients paying significantly more at the pharmacy. Read More Here

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Mission Statement
Dr. Chirantan Ghosh founded The Ghosh Center with the philosophy of putting the interests of patients first and providing the highest quality of care with compassion and professionalism. Our core philosophy is that patients come first. We stand by the principles:

Beneficence: doing good for our patients
Nonmaleficence: do no harm
Justice: treating patients with honesty and fairness
Autonomy: empowering patients to take an active role in their health care Continue reading The Ghosh Center for Oncology & Hematology

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