CVS-owned pharmacy benefit manager
CVS Caremark
Industry Health
A CVS Health pharmacy benefit manager that administers drug formularies, claims, specialty-pharmacy channels, and plan rules for employers and insurers. CVS Caremark scores very low because the FTC alleges dominant PBMs used rebating and vertical integration to raise insulin costs and steer prescription revenue while patients had little practical control.
Why this matters: Caremark is listed separately from CVS Health because PBM power is a distinct gatekeeping function in prescription access.
Letter grade F Malignant High confidence (AI) Rubric gcd-rubric-v1 Parent / owner: CVS Health
PBM subsidiary listed separately because prescription-benefit administration is a distinct consumer gatekeeper.
* Tentative scaffolding score. Not human-checked or final.
Request verification to have the evidence record checked against primary materials and organization-supplied documents. Verification does not buy a higher score; scores change only when review finds factual errors, omissions, or miscalibration.
The parent profile is currently rated F (Malignant, -18*). This subsidiary is not mechanically capped at the parent score, but parent control is part of the ownership, governance, policy, accountability opacity, reversibility, and harm analysis.
Evaluation Overview
F - Malignant
The score turns mainly on Scale Integrity, with the largest penalty coming from Human Harm.
Strengths
- Scale Integrity5/5
- Ownership1/10
- Governance1/10
Penalties
- Human Harm-8
- Policy Capture-7
- Subscription Capture-2
- Accountability Opacity-2
Evidence state
- ConfidenceHigh confidence (AI)
- ThoroughnessDeveloped (AI)
- Linked claims16
- Direct axis claims16
- Coverage16/16
Scoring Axes
| Axis | Score | Why this score |
|---|---|---|
Ownership
?
Control rights: shareholder-dominated at 0, worker cooperative control
at 10.
|
1 / 10 |
CVS Caremark's public record identifies its ownership form, institutional type, or public/private/nonprofit/cooperative structure in the health category. Linked evidence
|
Governance
?
Binding decision authority: centralized control at 0, democratic
stakeholder control at 10.
|
1 / 10 |
CVS Caremark's public record indicates whether binding control sits with shareholders, executives, members, public officials, nonprofit boards, residents, patients, or customers. Linked evidence
|
Extraction
?
Surplus allocation, wage share, CEO pay ratio, margins, and structured
extraction judgment.
|
1 / 10 |
CVS Caremark's model determines whether money flows primarily to investors and owners or back toward users, members, public value, community services, affordability, or mission delivery. Linked evidence
|
Labor Sovereignty
?
Worker power: coercive conditions at 0, co-determination or ownership at
7. Employee dissatisfaction matters only when source-backed evidence
shows concrete limits on worker agency, such as coercive scheduling,
retaliation, wage theft, harassment, unsafe conditions, suppression of
worker voice, or extreme turnover.
|
1 / 7 |
CVS Caremark's linked public materials do not show ordinary workers holding full binding democratic control over the institution. Linked evidence
|
Solidarity with the
Unemployed
?
Treatment of exits and nonworkers, including severance, redeployment,
and non-competes.
|
1 / 7 |
CVS Caremark operates in an everyday-need category where job loss, illness, rent pressure, family-care obligations, tax compliance, utility dependence, or household instability affects bargaining power. Linked evidence
|
Loss-Bearing Fidelity
?
Willingness to absorb costs to preserve values, workers, users, and
public obligations.
|
1 / 7 |
CVS Caremark's product or service can absorb real household, civic, care, housing, energy, or tax-compliance risk, but the record also shows who bears costs when the institution fails or prices rise. Linked evidence
|
Market Conduct
?
Pricing fairness, switching costs, lock-in, and rent extraction.
|
1 / 5 |
CVS Caremark operates in a market where customers, tenants, patients, taxpayers, utility users, parents, or community members often face switching costs, asymmetric information, or limited choice. Linked evidence
|
Product Integrity
?
Preservation of quality rather than degradation for monetization.
|
1 / 5 |
CVS Caremark's core service has practical everyday utility, but its integrity depends on pricing, safety, transparency, access, quality, data handling, and accountability. Linked evidence
|
Scale Integrity
?
Whether growth improves or degrades fairness and accountability.
|
5 / 5 |
CVS Caremark's scale or category makes its decisions consequential for ordinary U.S. households, patients, tenants, parents, taxpayers, utility customers, or communities. Linked evidence
|
Penalties
| Penalty | Applied | Why this penalty |
|---|---|---|
Human Harm
?
Severity, scale, culpability, vulnerable targets, willful reoffense,
reputation laundering, pattern escalation, and time decay. Range: -20 to
0.
|
-8 |
CVS Caremark's public record makes Human Harm relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. Linked evidence
|
Policy Capture
?
Private-interest attempts to bend law, regulation, subsidies, taxes,
enforcement, trade, labor, safety, competition, environmental,
healthcare, housing, surveillance, civil-liberties, or consumer policy
against workers, customers, citizens, affected communities, or
ecological life. Public-interest advocacy is not penalized merely
because it is lobbying. Range: -15 to 0.
|
-7 |
CVS Caremark's public record makes Policy Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. Linked evidence
|
Subscription Capture
?
Manipulative recurring-payment, automatic-renewal,
cancellation-friction, bundling, trial-conversion, or refund designs
that profit from inertia or confusion. Range: -5 to 0.
|
-2 |
CVS Caremark's public record makes Subscription Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. Linked evidence
|
Accountability Opacity
?
Material opacity, reputation laundering, or hidden accountability
structures that prevent public accountability. Range: -2 to 0.
|
-2 |
CVS Caremark's public record makes Accountability Opacity relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. Linked evidence
|
Identity Capture
?
Customer pressure, employee pressure, and pervasive identity saturation.
Range: -3 to 0.
|
-1 |
CVS Caremark's public record makes Identity Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. Linked evidence
|
Surveillance Capture
?
Invasive surveillance, unreasonably non-optional tracking, facial
recognition, biometric identification, or AI behavior scanning of
customers, workers, bystanders, or the public. Range: -5 to 0.
|
-2 |
CVS Caremark's public record makes Surveillance Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. Linked evidence
|
Ideological Disavowal
?
Concealed ideology presented as neutrality, expertise, professional
necessity, public-service administration, market inevitability, or
non-ideological common sense while exercising power. Range: -3 to 0.
|
-2 |
CVS Caremark's public record makes Ideological Disavowal relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. Linked evidence
|
Bonus Credits
No bonus credits applied in this version.
Confidence Basis
Confidence Basis
Confidence is computed from the evidence trail and review state, not typed into the profile by hand.
High 84/100
16 verified linked claims 16 direct axis claims 0 disputed claims 16/16 components covered
This confidence label measures the source-backed evidence trail. AI-scaffolded scores remain tentative until human review.
Claim confidence 16/20
16 verified linked claims
Source quality 15/18
Best source per verified claim, weighted by institutional reliability
Direct axis-specific claims 14/18
16 direct claims across 16 active components
Dispute load 12/12
0 disputed claims on this entity
Recency 10/10
Newest accepted timestamp: May 13, 2026
Reviewer status 7/12
Human-reviewed components score higher than AI scaffolding
Component coverage 10/10
16/16 evidence-bearing components have direct support
Evidence State
Evidence State
Claims and Sources
Claims are the evidence record. Each claim needs a source link, axis category, status, confidence level, and timestamp before it can support a score.
* Tentative scaffolding score. Not human-checked or final.1CVS Caremark's public record identifies its ownership form, institutional type, or public/private/nonprofit/cooperative structure in the health category.
- CVS CaremarkGeneral web source · 58%
2CVS Caremark's public record indicates whether binding control sits with shareholders, executives, members, public officials, nonprofit boards, residents, patients, or customers.
- CVS CaremarkGeneral web source · 58%
3CVS Caremark's model determines whether money flows primarily to investors and owners or back toward users, members, public value, community services, affordability, or mission delivery.
- CVS CaremarkGeneral web source · 58%
4CVS Caremark's public materials do not show ordinary workers holding full binding democratic control over the institution.
- CVS CaremarkGeneral web source · 58%
5CVS Caremark operates in an everyday-need category where job loss, illness, rent pressure, family-care obligations, tax compliance, utility dependence, or household instability affects bargaining power.
- FTC PBM insulin complaintPrimary public record · 100%
6CVS Caremark's product or service can absorb real household, civic, care, housing, energy, or tax-compliance risk, but the record also shows who bears costs when the institution fails or prices rise.
- CVS CaremarkGeneral web source · 58%
7CVS Caremark operates in a market where customers, tenants, patients, taxpayers, utility users, parents, or community members often face switching costs, asymmetric information, or limited choice.
- FTC PBM insulin complaintPrimary public record · 100%
8CVS Caremark's core service has practical everyday utility, but its integrity depends on pricing, safety, transparency, access, quality, data handling, and accountability.
- CVS CaremarkGeneral web source · 58%
9CVS Caremark's scale or category makes its decisions consequential for ordinary U.S. households, patients, tenants, parents, taxpayers, utility customers, or communities.
- FTC PBM insulin complaintPrimary public record · 100%
10CVS Caremark's public record makes Human Harm relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability.
- FTC PBM insulin complaintPrimary public record · 100%
11CVS Caremark's public record makes Policy Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability.
- FTC PBM insulin complaintPrimary public record · 100%
12CVS Caremark's public record makes Subscription Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability.
- FTC PBM insulin complaintPrimary public record · 100%
13CVS Caremark's public record makes Accountability Opacity relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability.
- FTC PBM insulin complaintPrimary public record · 100%
14CVS Caremark's public record makes Identity Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability.
- FTC PBM insulin complaintPrimary public record · 100%
15CVS Caremark's public record makes Surveillance Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability.
- FTC PBM insulin complaintPrimary public record · 100%
16CVS Caremark's public record makes Ideological Disavowal relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability.
- FTC PBM insulin complaintPrimary public record · 100%
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How This Page Is Maintained
Evidence comes in through contributors, is checked by verifiers, and is synthesized by reviewers. Founder authority remains narrow and visible; scores recalculate when verified claims or the rubric change.
Civic Note
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Audit Log
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