Cost Analysis · Federal NADAC Benchmark

Grade your plan in five minutes.

Add the drugs your plan covers. We compare every line against the CMS NADAC acquisition cost. You get a letter grade, percentile, PBM behavior signature, and a PDF scorecard ready for your broker.

Step 1 · Your formulary

Add drugs your plan pays for

Type a drug name, enter what you pay per unit. NADAC and spread calculate live as you add each one.

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Drug name

Your $/unit

Units/mo

Tip: Units/mo = actual units dispensed per month (tablets, pens, vials, inhaler canisters, tubes). Your claims report shows this. We pre-fill a sensible default based on typical dosing; edit it to match your data.

No drugs added yet.

Add a drug above or click a sample plan to get started.

Overall plan grade

—

Add a drug to see your grade

Graded against CMS NADAC benchmark

Where you sit in the market

TransparentMarketTraditional

Weighted avg spread—

Monthly drug spend—

Annual drug spend—

Annual PBM margin—

Recoverable (transparent PBM)—

PBM behavior signature

Add drugs to detect your PBM's pricing pattern.

What NADAC is

The National Average Drug Acquisition Cost is the federal benchmark for what pharmacies actually pay to stock a drug. CMS surveys retail pharmacies monthly. If your plan pays well above NADAC, the gap is PBM margin.

How your grade is calculated

We weight each drug's spread (your price vs. NADAC) by annual volume. A plan weighted under 5% is an A. 5–10% is B. 10–16% is C. 16–22% is D. Over 22% is F and typical of legacy PBM spread.

What to do with your scorecard

Export the PDF and bring it to your PBM's account team. They will either explain the spread, discount it, or lose your RFP. The worst outcome is they quote a transparent model at renewal.