The platform
Built around one premise:
every claim, every minute.
The Daily Drug Review queue exists because legacy adjudication runs once a day. Pharosa closes that loop, and folds the four categories of clinical review that block the queue into one continuous decision stream.
The workflow
Stream. Reason. Resolve. Audit.
Pharosa layers clinical rules and large-language-model reasoning over every adjudication — auto-resolves the routable cases, routes the ambiguous ones through a structured handoff, and audits the decision on the way out.
Stream
Every adjudication arrives in seconds, not the next-morning batch. Ingestion is normalized against the pharmacy network’s schema so downstream rules don’t care which network sent it.
Reason
Clinical rules layer first; an LLM adjudicator steps in for ambiguous cases (off-label regimens, partial fills, prescriber context). The AI never sees the rules as optional.
Resolve or route
Routable, low-risk cases auto-resolve through your existing edits, with a paper trail. Ambiguous ones forward to a human reviewer through a structured handoff — context, rule fired, and recommended action attached.
Audit
Every decision logs the data, the rule, the model output, and the override, so compliance can answer a state PBM-transparency audit without a manual re-run.
What replaces for whom
Built for teams squeezed between Big 3 PBM margins
and a patchwork of single-purpose tools.
Why now
The procurement short-list
has changed.
Post-2024 PBM transparency laws, FTC scrutiny of rebate spreads, and the valuation benchmark set by Judi Health have moved AI-native PBMs from curiosity to a category buyers actively evaluate.
- 012024+PBM transparency laws in force across the largest states.
- 02FTCActive scrutiny of spread pricing and rebate structures.
- 03ValuationJudi Health has reset the procurement benchmark for AI-native PBMs.
FAQ
The questions we hear first.
Pharosa is led by a clinical reviewer who worked the DDR queue inside a major insurer. These are the questions that came back from clinical-ops and compliance the first time around.
Retire the daily drug review queue.
We work with a small group of health plans, TPAs, and self-funded employers in parallel onboardings. Tell us about your adjudication volume and the clinical rules that fire most often — we’ll come back with a deployment plan.