Actually this package they are paying for is years and years of countless research a pbm does to make the most cost effective plan for their client as possible...tons of data...and youre right...we are a claims processor. Its our job to process the claims and administor the benefits your plan wants you to have. We do get deals and such for particular medication, but youre missing the point in that. If we get 20 mg of lipitor at a contracted rate with cvs at 150 bucks for 30 pills, and zocor for 200, then we make that a "preferred" medication that saves your plan (our client) money, and what does that do?..it allows them a more friendly and larger budget to cover other medicaitons. Its your plan that tells us to deny and do what we do...thats what we get paid to do. It;s good business, and if it was your idea, then you would have done it too