PBM Use Case

Verify pharmacy benefit logic
at scale.

Formularies, rebates, and accumulators are complex and constantly changing. We translate that logic into an executable model and verify that every claim follows the rules as written.

Rx
Claims Verified
January 2024
Verified
Claims
2.4M
Correct
96.8%
Issues
847
Tier mismatches
312 claims
Rebate leakage
$1.2M/qtr
Accumulator errors
156 members
Contract violations
12 clauses
Total exposure: $3.8MFull audit trail
NDCs verified
12,847
Every formulary rule

PBM logic is hard to verify.

What your systems show
Claims processed
2.4M
Error rate
0.0%
Adjudication
normal
StatusAll Clear
What verification reveals
Tier mismatches
847
Rebate leakage
$1.2M
Accumulator errors
156
Exposure$3.8M

The risk isn't bad intent. It's invisible logic drift — and by the time it surfaces, you've already paid.

Formulary logic drifts

Tier assignments, step therapy rules, and exclusions change — but systems don't always sync.

Rebate calculations are opaque

Complex formulae with thresholds, exclusions, and lookbacks. Hard to verify even with data.

Errors compound silently

A single misconfigured rule affects thousands of claims before anyone notices.

The Gap

Why PBM errors persist.

Every PBM has tools for managing pharmacy benefits. But they each check something different — and none of them verify whether the claim actually followed your contracted logic.

Rule engines encode your intent

Audits sample a small %

Analytics flag outliers

But contract logic violations? They slip through every layer.

Claims flow
Rule Engines
syntax
Audits
samples
Analytics
anomalies
Logic errors
pass through undetected

Contract logic violations aren't in any tool's scope

From contracts to verified claims.

We add a verification layer above your PBM systems — without replacing them. Your pharmacy benefit logic becomes an executable specification.

Your PBM Logic
Formulary
Accumulators
Rebates
Executable Logic
when NDC formulary
tier = contract.tier
then verify(claim)
Deterministic
Same input → same output
Traceable
Every decision sourced
No AI
No hallucinations

Formulary logic becomes executable

Tier assignments, step therapy rules, exclusions — all machine-verifiable.

Claims map automatically

NDCs, days supply, member status, pricing — aligned with your rules.

Every claim gets verified

Violations, contradictions, and edge cases surface automatically.

Every layer of PBM logic.

Each verification answers a specific question about whether the claim followed the rules as contracted.

Rx
Tier Assignment Verification
Claim #PBM-2024-847291
NDC in formulary
Yes
Form. 2024
Tier assignment
Tier 3
§4.2
Step therapy complete
2/2 tried
MP-142
Quantity within limit
30 ≤ 30
§4.4
Tier verified
Correct
Illustrative Examples

The kind of issues verification catches.

These scenarios represent common patterns that surface when pharmacy benefit logic is verified against actual claims.

Tier Assignment

Specialty drug on wrong tier after formulary update

A January formulary change moved 12 NDCs to Tier 4. The claims system was updated, but the accumulator logic still references Tier 3 copay amounts.

What Verification Surfaces
Affected claims847
Date rangeJan 15 – Feb 28
Member cost share variance$45 avg

Root cause: Formulary update didn't propagate to accumulator tier mapping table.

These examples are illustrative. Actual findings depend on your specific logic and data.

The Outcome

From reactive to proactive.

Instead of waiting for disputes to reveal issues, verification surfaces them while there's still time to act.

Without Verification

Issues found during external audits — after payments settled

Disputes escalate before root cause is understood

Plan sponsors ask questions you can't fully answer

With Verification

Issues caught before they scale across claims

Root cause traced to the exact rule that failed

Confidence to show sponsors exactly how logic is applied

Reduce audit exposure, increase sponsor trust

Verification creates a defensible record of rule execution.

See How It Works
Getting Started

Start with one slice of logic.

Most PBM engagements begin with a narrow scope:

One planOne formulary ruleOne rebate clauseOne claim cohort

No system replacement. No workflow disruption.

Verify a PBM Scenario