Unlocking 340B Savings with the Wholesaler Direct Credit Program

Managing a 340B contract pharmacy network can be complicated. Between juggling multiple inventories, staying compliant with HRSA requirements, and ensuring your patients get uninterrupted access to affordable medications, many covered entities feel stretched thin.

That’s where the Wholesaler Direct Credit Program changes the game. Instead of physically moving 340B inventory into contract pharmacy accounts, this model uses a streamlined financial credit system that saves time, reduces risk, and ensures your program captures every dollar of eligible 340B savings.

How It Works

Here’s the beauty of the direct credit model:

• The prescription is filled at the contract pharmacy like any other.

• The third-party administrator (TPA) identifies it as 340B-eligible.

• The covered entity purchases the drug from the wholesaler at the 340B price.

• Instead of shipping products, the wholesaler applies a direct credit to the pharmacy’s retail account.

The pharmacy doesn't have to manage multiple inventories or orders. The covered entity receives the financial benefit. Everyone wins.

Why Covered Entities Choose Direct Credit

The direct credit program eliminates some of the biggest headaches of 340B contract pharmacy management:

✅ No dual inventories – Pharmacies operate from their regular commercial stock, reducing errors and confusion.

✅ Audit-friendly compliance – Clean, clear records link credits to eligible prescriptions, giving you confidence under HRSA review.

✅ Faster, smoother operations – No waiting for shipments or dealing with expired product.

✅ Better pharmacy relationships – Pharmacies appreciate the simplicity, making partnerships stronger and more sustainable.

For covered entities, this means capturing more savings with less risk—and putting those dollars back into patient care where they belong.

The Catch: It Takes Expertise

While the Wholesaler Direct Credit Program is powerful, it isn’t plug-and-play. Every wholesaler and TPA have their own rules, timing, and reporting requirements. Documentation must be airtight to stay audit ready. And without strong oversight, credits can be delayed, misapplied, or even lost.

That’s why having an experienced 340B partner matters. We help covered entities:

• Navigate wholesaler-specific credit processes

• Ensure every eligible prescription is captured

• Maintain a rock-solid audit trail

• Maximize financial return while minimizing risk

Final Word

The Wholesaler Direct Credit Program is one of the smartest tools available to simplify 340B contract pharmacy arrangements. By shifting from a product-based replenishment model to a financial credit model, covered entities can eliminate complexity, strengthen compliance, and put more savings to work for their patients.

With the right expertise guiding the process, this program doesn’t just save time—it unlocks the full potential of your 340B dollars.