Frequently Asked Questions

Yes. The program operates fully under federal law (21 USC §384), which allows personal importation of prescription drugs from Tier-1 countries under specific safety and quantity rules. All drugs come from licensed international pharmacies or directly from manufacturers; same product, same factory, lower cost. Reference our White Paper for more information on state and federal law.

Some of them, yes. However, rebates are a small fraction of potential savings. This program targets high-cost drugs that drive 40% of spend, replacing them with lower-cost alternatives. Our analysis always prices in rebate loses. One recent case study showed after losing $305,000 in rebates, one group saved nearly $1 million in net savings. Without exception, our savings outperform rebate strategies.

No. This is not insurance. It is a pharmacy optimization and concierge service designed to reduce waste and deliver the same medications at lower cost. It works alongside your existing plan, PBM, and providers without disruption.

No. The program runs independently as a concierge service. All outreach, coordination, and logistics are handled for you. No new hires, no extra workload, no added expense.

No. On the contrary. This is both a cost-saving service and a white glove employee benefit. Employees get the same medication at their door (same as before), but for free. It lifts the financial burden and frees them from the stress of unaffordable prescription.

Our model reduces the profits of entrenched players in the current system. Pharmacy benefit managers, carriers, and wholesalers make billions from inflated drug pricing and rebate structures. This program bypasses those middlemen and redirects the savings back to employers and employees. It’s legal, it’s proven, and it’s time.

 That response is common, but often misleading. Some PBMs, carriers, or consultants raise concerns not because the program is illegal, but because it challenges their existing revenue models. These are business objections, not legal ones.

If you are self-insured, implementing this strategy is entirely at your discretion. You are not bound to your PBM’s opinion or pricing model when offering compliant options outside their network. This program does not require PBM or carrier approval and has no impact on your existing plan design, formulary, or network.

It simply gives your members a legal, optional path to access select high-cost medications at a fraction of the domestic price.

TrumpRx is currently structured as a direct to consumer cash program, not something employers can natively plug into their health plans. There are still many unknowns about how it will ultimately be implemented and scaled, but Limitless is already at the forefront of exploring how to integrate TrumpRx pricing alongside other Most Favored Nation level sourcing pathways into employer plans. Through our Pharmacy Stewardship Program, we are preparing the framework so that when TrumpRx matures, self funded employers can capture those savings seamlessly, with Limitless as the trusted partner ensuring compliance, employee access, and maximum savings. 

To perform a savings analysis we only need a standard 12-month pharmacy claims file that is already available from your PBM. This file is de-identified and does not contain personal health information. It shows the drug name, quantity, and cost... nothing more. Data is transferred securely using encrypted channels, and our team handles the entire setup process so there is no added burden on your IT or HR staff. The process is simple, fast, and fully compliant with federal privacy and security requirements.

 The pharmacy market is evolving quickly, with new direct-to-consumer and manufacturer-sponsored programs entering the space. Employers should not have to chase these opportunities on their own. Limitless monitors, validates, and integrates new pathways as they become available, ensuring that our clients are always capturing the best prices in a compliant and seamless way. Whether it is TrumpRx or other Most Favored Nation style initiatives, our role is to stay at the forefront and bring those options into your plan so that you do not miss out on future savings.