Pharmacists for Fair Reimbursement What your state's PBM laws actually mean for community pharmacies
Explainer Updated June 15, 2026

What is NADAC, and how does it affect pharmacy reimbursement?

NADAC — the National Average Drug Acquisition Cost — is a benchmark, published by the Centers for Medicare & Medicaid Services (CMS), of what retail community pharmacies actually pay to buy a drug, based on a voluntary monthly survey of pharmacies. A growing number of states use NADAC plus a professional dispensing fee as the reimbursement floor a PBM must meet, because it is tied to real acquisition cost rather than to a price the PBM itself sets.

Key findings

When people argue about whether a pharmacy is paid “fairly,” they are usually arguing about two numbers: the cost of the medicine and the cost of dispensing it. NADAC addresses the first.

What NADAC measures

The National Average Drug Acquisition Cost is a published estimate of the average price retail community pharmacies pay to acquire a drug. CMS builds it from a voluntary monthly survey of pharmacies’ invoice prices, and publishes the resulting per-unit costs as public reference files. Because it is based on actual invoices rather than on a list price, it is widely treated as a neutral measure of acquisition cost.

Why states use it as a floor

A reimbursement model that pays “acquisition cost plus a professional dispensing fee” tries to ensure a pharmacy is not paid less than it spent to buy and dispense a medicine. Many state PBM-reform laws therefore set the reimbursement floor at NADAC plus a professional dispensing fee:

  • the NADAC component covers the medicine itself; and
  • the professional dispensing fee covers the cost of filling the prescription (pharmacist time, counselling, overhead).

The exact dispensing-fee amount, and whether the floor applies only to Medicaid or also to commercial prescriptions, is set state by state — which is what the State Tracker records for each state.

Sources

All explainers