Affordability Solutions
Achieve Stronger Brand Engagement
We help overcome financial barriers to bridge the gap between patients and therapies.
Evidence-Based Affordability Solutions
Proactive Copay Program Management
Affordability solutions play a significant role in helping patients overcome financial barriers that prevent them from accessing the life-changing therapies prescribed by their doctor. However, many manufacturers find that their benefit spend increases out of proportion when compared to the overall brand growth. Designing an effective affordability program for biopharma requires constant, careful consideration of past data, payer program designs (accumulators, maximizers), and analysis of real-time data to enable evidence-based optimizations. UBC’s affordability solutions allow you to maintain a healthy gross-to-net while still enabling optimal patient access.
More Than a Copay Benefit Solution
UBC combines data-driven insights and experience to optimize affordability programs for the biopharma industry
The overall cost to the patient has a powerful impact on their decision to use your therapy. UBC’s patient affordability solutions bridge the gap between the base costs of the therapy and the amount the patient can contribute. These solutions are vital for many patients to gain access to therapies that would otherwise be outside of reach.
Innovative Technology
UBC’s copay platform serves as a single-source system that integrates enrollment types (patient, office, or facility), customer service activity (telephony), claims, and payment data. The platform supports both medical and pharmacy benefits and includes payment methodologies, specialty pharmacy, hub, data aggregator, field personnel, and client management.
Learn MoreContinuous Effort
A dedicated team monitors payer, pharmacy, and HCP activity daily to identify trends, formulate insights , and recommend opportunities for enhanced patient access and adherence growth.
Copay Program Consulting
- Program Optimization & Model Design (available even when UBC is not the copay provider)
- Brand Loss of Exclusivity (LOE) Programs
- Offer Design & Benefit Spend Forecasting
- Targeting & Syndicated Data Analytics
Pharmacy & Medical Copay Benefit Design & Execution
- Flexible Offer Design
- Accumulator & Maximizer Solutions
- Copay Smoothing
- An SMS text-enabled virtual assistant that can deliver:
- Digital Patient Experience Education Kits
- Feedback Programs
- Reminders
- Multi-Channel Delivery Capabilities
- Web, Verbal, Hub, Third-party Linked Enrollment
- Traditional Copay Card, Debit Card, ACH
- Websites
- Enrollment
- Claims Management
Frequently Asked Questions
What does UBC's affordability programme cover?
Affordability programmes design, build, and run copay and patient assistance programmes across both pharmacy and medical benefit. That includes offer design, eligibility logic, payment infrastructure, accumulator and maximizer handling, copay smoothing, and the analytics layer that tells you whether the programme is achieving access without inflating spend disproportionately.
Why is copay still a strategic question, not a transactional one?
Because the difference between a well-designed and a poorly-designed affordability programme shows up in gross-to-net — manufacturers often see benefit spend grow faster than brand revenue when the offer structure, eligibility criteria, and payer dynamics are not actively managed. UBC’s affordability practice came together through the Market Share Movers acquisition specifically because copay needed a more cerebral approach than transactional administration could provide.
What's UBC's coverage and processing capacity?
UBC has 100% coverage of US and Puerto Rico pharmacies, with custom specialty pharmacy networks and full contracting support. Over 25 million claims have been processed to date, supporting individual brands across multiple therapeutic areas. Capacity is rarely the constraint; design and continuous optimisation are.
What does UBC offer in copay consulting?
The consulting work includes programme optimisation and model design — available even when UBC is not the copay provider — brand loss-of-exclusivity programmes, offer design and benefit-spend forecasting, and targeting and syndicated data analytics. That last point matters: it means UBC can shape the programme strategy independently of running the operations.
How does UBC handle accumulators and maximizers?
Accumulator and maximizer programmes from PBMs change how copay support reaches the patient. UBC’s design work models the payer landscape, identifies where accumulator or maximizer logic is in play, and structures the offer to maintain patient access without distorting the gross-to-net forecast. The aim is for the affordability programme to keep working under conditions that shift several times a year.
What technology supports the copay programme?
A single-source platform integrates enrolment types (patient, office, facility), telephony, claims, and payment data, supporting medical and pharmacy benefits, specialty pharmacy, hub, data aggregator, field personnel, and client management. Patient-facing tools include SMS-enabled virtual assistants for education kits, feedback programmes, and reminders, with enrolment across web, verbal, hub, and third-party channels.
How is the programme optimised over time?
A dedicated team monitors payer, pharmacy, and healthcare provider activity daily, identifying trends and recommending optimisations. The model accepts that conditions change — payer policies shift, patient behaviour evolves, plan transitions create access gaps — so the programme is treated as a living system rather than a contract to renew annually.
Learn About UBC's Affordability Solutions
Interested in learning more about how UBC’s affordability solutions can support patients as they navigate the financial aspect of their therapy?
