Benecard Services, LLC, headquartered in Lawrenceville, New Jersey, is a full-service, in-house prescription benefit administrator managing carve-out, fixed-rate Rx benefit programs since 1990, serving organizations from 100 to 5,000+ members. Unlike PBMs offering discount guarantees, Benecard offers a total budget guarantee protecting plan sponsors from unexpected drug cost spikes. Its network covers ~98% of the nation through 64,000+ pharmacies. Part of a family of privately held companies including BeneCard Central Fill (mail/specialty pharmacy), National Vision Administrators (NVA), and Heartland Fidelity Insurance Company.