METHOD, APPARATUS, AND COMPUTER PROGRAM PRODUCT FOR PARTITIONING PRESCRIPTION TRANSACTION COSTS IN AN ELECTRONIC PRESCRIPTION TRANSACTION

A method, apparatus and computer program product are provided for partitioning prescription transaction costs by determining offset savings amounts to be applied to prescription transactions, based on an adjudicated response from a payer computer. Prescription transactions received from a pharmacy are submitted in real time or near real-time for adjudication. Historical data associated with the patient and prescription is accessed to identify a target patient pay amount. Based on the benefit coverage and/or co-pay amount from the adjudicated response, an offset savings is determined in real-time or near real-time that will partition the prescription transaction cost such that the remaining patient pay amount is aligned with the target patient pay amount.