When you buy from transparent pharmacies like Cost Plus, your spending should count toward your deductible. Solstice Accrue makes it happen.
PBMs classify transparent pharmacy purchases as "cash pay" — excluding them from your benefits. Your savings become a penalty.
Buy a $20 drug at Cost Plus and it doesn't reduce your $3,000 deductible. You're paying twice — once at the pharmacy, once toward your deductible elsewhere.
Transparent pharmacy spending doesn't count toward your out-of-pocket maximum either. You could hit catastrophic costs while having paid thousands in "invisible" pharmacy spend.
Self-insured employers have no visibility into transparent pharmacy spending. They can't include it in Total Cost of Care calculations or demonstrate true savings.
We translate transparent pharmacy purchases into standard claims and submit them to your TPA — ensuring every dollar accrues toward your deductible.
Buy from Cost Plus, Amazon Pharmacy, GoodRx, or any transparent pharmacy
Accrue ingests your transaction via API, webhook, or receipt upload
We generate and submit EDI claims to your TPA for accumulator credit
Your purchase counts toward your deductible and OOP max — automatically
Whether you're an employer, TPA, or benefits consultant — Solstice Accrue is the infrastructure that makes transparent pharmacy work at scale.