Accumulator- legal or not?

I've been dealing with copay accumulators and recently commented on a tiktok about it. Someone responded that copay accumulator are actually illegal.

Per this website, they are no linger legal but no one is going to enforce companies to follow the law (if I'm reading this correctly)

https://www.sidley.com/en/insights/newsupdates/2024/01/courts-clarification-has-implications-for-us-pharmaceutical-manufacturer-copay

Does anyone have any insight or knowledge for me? My specialty pharmacy applied them towards my deductible and Out of pocket max last year and for 3 Mos this year. Then suddenly they reversed them all out for this year and all those dr appointments we had, I now had to pay for. Obviously I was extremely frustrated.

I chose my plan and will pay what I need to but to have things changed around like thay without notice is ridiculous but no one seems to accept the blame for misinformation or let me know what's going on. (They reversed it too many times, over charged me and the assistance program – not refunding the assistance program properly when they should have)

My company is self pay so I'd like to be able to send a list of websites or some information to HR and have them look at my benefits and adjust if needed, without coming across as a huge PITA to them.

Thanks for any insight!

submitted by /u/NoonieP
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