🧾 CLEARHEALTHRX DISCOUNT NETWORK OPTIONS
| Vendor | Type | Typical Setup Time | Est. Cost | Revenue Model | Pros | Cons |
|---|---|---|---|---|---|---|
| SingleCare (White-Label) | Discount network aggregator | 4–6 weeks | ~$0 upfront (rev-share) | You get small cut per fill ($0.50–$2) | Easy setup, national chain coverage (CVS, Walgreens, Walmart), solid API | Little control over pricing logic, no custom formulary |
| CleverRx | White-label discount card | 4–6 weeks | Free setup; co-branded | Revenue share on transactions | Offers branded portal + digital card; fully turnkey | Can’t customize pricing tiers deeply |
| ProCare Rx | Transparent PBM / discount hybrid | 6–8 weeks | ~$2 K–$5 K setup | Transaction fees or shared savings | Can create custom price formulas (e.g., NADAC + $2) | More complex contract; limited small-pharmacy coverage |
| SmithRx | Transparent PBM | 6–8 weeks | ~$10 K–$25 K setup | Admin fee per member per month (PMPM) | True PBM replacement: you can layer catastrophic coverage + analytics | More infrastructure—better suited once you scale |
| Capital Rx | Enterprise transparent PBM | 8–12 weeks | $25 K–$50 K+ | PMPM or % of savings | End-to-end adjudication, data, compliance handled | Overkill unless you plan 10 K+ members |
| ParamountRx | Discount network, often co-brands with associations | 4–6 weeks | $0 | Revenue share | AARP-style partner model | Less tech customization; old-school marketing focus |
| ScriptCo | Membership-based mail-order pharmacy | 2–4 weeks (integration) | $0 | Subscription ($140/yr) | Can be your mail-order partner for non-Cost Plus fills | Limited formulary; no retail access |
| GoodRx Pro / Gold | Discount network w/ API access | 4–8 weeks | $0 | Rev-share | Massive coverage; developer API | Less transparent; spread pricing risk unless negotiated tightly |
🧩 Recommended Startup Combo
| Function | Recommended Vendor | Why |
|---|---|---|
| Default mail-order | Cost Plus Drugs | Transparent, low markup, predictable pricing |
| Retail fallback (ClearHealthRx) | SingleCare or CleverRx | Fastest white-label setup, broad national coverage |
| Future upgrade path | SmithRx | When you reach ~5–10 K members and need data + claims engine |
| Specialty / high-cost meds | ProCareRx or Capital Rx | Can handle specialty drugs + catastrophic pricing |
🪙 Example Business Model for ClearHealthRx
- You earn $1–$2 per fill in revenue sharing from the partner.
- The member always sees actual retail price before purchase (no hidden rebates).
- You can track utilization via anonymized reports to improve Cost Plus coverage.
- Annual revenue per 1 000 active users ≈ $5 000–$10 000, mainly offsetting admin costs.
⚖️ Regulatory Checklist
| Requirement | States Affected | Notes |
|---|---|---|
| DMPO Registration | TX, FL, IL, LA, TN, CO, MT | File a short registration form (~$300 fee) |
| HIPAA Data Handling | All | Handled by partner unless you store PHI |
| Consumer Disclosure | All | “This is not insurance” statement required on card and site |
| BIN/IIN Management | N/A | Partner provides BIN through their switch (no extra fee) |
🪪 Card Design Elements
Front: ClearHealthRx logo, BIN, PCN, Group ID, “Powered by [Partner] Network” Back: “This is not insurance. Savings may vary. For support, call 1-800-XXX-XXXX.” Add a QR code linking to a drug price lookup page (integrating Cost Plus + ClearHealthRx prices).