Your PBM contract is a crime scene.
We have the forensics.
Rx Defense IQ Contract X-Ray is the only actuarially-anchored, evidence-spine-governed PBM contract forensic engine built for ERISA fiduciaries who refuse to lose.
Most PBM contracts are written to be misunderstood.
Ours are written to be prosecuted.
The Problem
Your PBM contract is 80 pages of deliberately engineered ambiguity. Spread pricing buried in footnotes. MAC lists that reset quarterly without notice. AWP discounts that look aggressive until you price the actual dispensed drug.
Specialty carve-outs that swallow your margin in silence.
Your broker reviewed it. Your legal team blessed it. Nobody ran the math.
The Solution
Rx Defense IQ Contract X-Ray dissects every clause, guarantee, and pricing mechanism in your PBM agreement against 757,000+ rows of national DOL disclosure data, live benchmark baselines, and the Kincaid 7-Gate Enforcement Chain.
Every finding carries a provenance trail. Every claim carries a number. Every number carries a citation.
No anchor, no claim.
Forensic Intelligence Layer
Five evidence-anchored capabilities that transform contract review from opinion to prosecution.
1. The Evidence Spine
Your audit means nothing without lineage. Every finding in Contract X-Ray is traceable to its source — claim line, contract clause, benchmark cohort, and DOL filing.
When your fiduciary record is challenged, your defense is already built.
2. 7-Gate Enforcement Chain
From contractual language to economic exposure, every finding passes seven verification gates before it ever reaches your desk.
This isn't a consultant's opinion. It's machine-enforced actuarial logic.
3. Shadow Tax Quantification
Contract X-Ray calculates the hidden economic transfer your plan is absorbing — the spread, the rebate withholding, the DIR fee equivalent — and expresses it as what it is: a shadow tax on your working families.
Named. Quantified. Documented.
4. Benchmark Intelligence
Your contract doesn't exist in a vacuum. Contract X-Ray positions every pricing term, dispensing fee, and guarantee structure against national cohort data from comparable plan designs, plan sizes, and industry verticals.
You'll know not just what you're paying — but what you should be paying.
5. ERISA Fiduciary Armor
ERISA Section 3(21) doesn't care what your broker told you. Contract X-Ray produces a documented, timestamped, evidence-anchored forensic record designed to meet the prudent expert standard.
When the DOL comes calling, you'll have an answer that holds.
Built For Decision Makers Who Matter
Every stakeholder gets the evidence they need, in the language they understand.
For the CFO
Your PBM contract is a revenue recognition document dressed as a health benefit. Contract X-Ray tells you what you're actually buying — and what it's actually costing.
For the CHRO
The benefits your employees depend on are being quietly eroded by contract mechanics nobody explained to you. Contract X-Ray makes the invisible visible — and makes the inexcusable accountable.
For the Plan Fiduciary
Your duty of prudence doesn't end at signing. It begins there. Contract X-Ray gives you the evidence chain that proves you looked — and found what others missed.
You negotiated a contract.
You signed a document.
You probably don't know the difference.
Rx Defense IQ Contract X-Ray was built for the moment you decide to find out.
No anchor, no claim.