There are three general types of copay assistance programs.
Charitable Copay Assistance: Charitable organizations provide copay assistance to commercially and federally insured individuals, typically by disease and based on financial need. Assistance is available for medication and sometimes other costs such as transportation. Charitable organizations that provide copay assistance operate according to guidance from the Office of the Inspector General.
Manufacturer Copay Assistance: Pharmaceutical manufacturers provide copay assistance to commercially insured individuals for their brand medication. The copay assistance usually helps individuals meet their deductible so that their insurance then covers the costs of their medications.
Free Medication Programs: Pharmaceutical manufacturers provide free medication to uninsured, underinsured, and “effectively uninsured” individuals.