DisclosedRx offers a fully disclosed pharmacy benefit service to employers. DisclosedRx is contractually obligated to only derive revenue from their clients, allowing them to optimize pharmacy spend without worrying about commitments to the supply chain. DisclosedRx does not earn money by reselling drugs at a higher price than it obtains them (“spread pricing”); it credits all rebates and supply chain credits to the payer; and it charges only one administrative fee. DisclosedRx systems and processes provide claims processing oversight that incorporate active risk management of pharma spend. The risk management programs include mitigation strategies for specialty and high-cost brand medicines. No allegiance to the supply chain allows DisclosedRx to pursue all possible channels for lower cost medications. Payers not only have clear data about their benefits but also gain the advantage of lower costs.