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Book of business: everything a PBM processes for all its clients combined. A discount measured across the book is not a discount measured on your plan.

Your contract says pass-through. You pay what the pharmacy was paid. A federal auditor found a pass-through plan's claims priced at a lower discount than the PBM's own pharmacy deals said. The discount was measured across the PBM's whole book, not your claim. The PBM and the carrier disagreed. Ask which number your pass-through means.

Lost investment income: when a federal auditor finds an overcharge, it also asks for the interest the money would have earned. Check whether your audit clause does.

A reader asked whether cutting a clinical program hurts the members in it. It can, if it ends with a letter. Ask what happens to enrolled members first, and build the handoff before the end date.

A January 1 plan has about nine weeks left to change anything about 2027. Vendor programs that renew automatically count down faster.

Pick one drug your plan changed for 2027. Look it up in your PBM's member app the way an employee would. Does the app say what your plan decided?