A few prototypes · privacy and drift on a transparent PBM · for SmithRx

You sell a number people can verify. I built some sketches of how to keep it verifiable.

I'd love to start with a short call to hear what you're actually wrestling with right now. But you're probably swamped, so I did some homework first: a few small prototypes built only from SmithRx's public framing of its platform, to show the kind of work I've done before, applied to a problem a pass-through PBM is structurally exposed to. They're rough sketches on synthetic and public-shaped numbers, not your data and not a finished product, just a faster way to show what working together could look like than a blank-page call. Nothing here is a real SmithRx figure; every screen says so.

~1M lives
Member lives whose prescription data is inferred-diagnosis PHI, routed across the savings marketplace (2024, company-reported)
192.7M
Individuals hit by the Change Healthcare breach in the same pharmacy-claims plumbing; entry was a portal with no MFA
$0 PHI
Data the prototypes touch: they run on a synthetic pipeline, behind no firewall, asking for nothing

What I think is going on (and what I'm not claiming)

Your whole position is trust through a number people can verify: 100% pass-through, the savings you report each year. That number rests on models that route to lowest net cost, clear prior auth, and adjudicate claims, and on prescription data for close to a million lives flowing through Connect 360 to partners like Cost Plus and Amazon Pharmacy. My hunch is that a couple of things can drift quietly under that, and that a one-time review doesn't catch them. I can't prove it from the outside; the prototypes sketch the method, and a real engagement is how you'd check it against your own pipeline.

Hunch 1: the marketplace is also the biggest PHI exit.

Every Connect-360 hop can carry inferred-diagnosis PHI further than the contract assumed. The PII-prevalence reader sketches a sampling read that measures how much high-sensitivity data each hop actually carries, with a confidence interval, for roughly 1% of building a classifier first.

Hunch 2: a routing drift erodes the savings claim with nobody paged.

If the lowest-net-cost routing slips, the savings number degrades silently, because it lives on a dashboard, not a pager. The drift-SEV console sketches putting that metric on the same on-call footing as latency, so a drift pages someone with a runbook instead of eroding the number in the dark.

Hunch 3: an automated prior-auth surface can drift toward subgroup over-denial.

That is a member denied a needed drug, and it's the surface now in court at the medical-claims insurers (an analogy, not a PBM precedent). The console fires a SEV-1 on a synthetic subgroup-parity gap. It's the slice closest to my clinical-NLP fairness work.

The three sketches (all synthetic, all labeled)

Pipeline readOne screen, two verdicts on load. One preset turns a healthy pipeline leaky; click a hop for its PII, open a SEV for the runbook.
PII-prevalence readerPer-hop inferred-diagnosis-PII prevalence with 95% intervals, plus the cost of the read vs. building a classifier.
Drift-SEV consoleA routing metric drifts past its bound and pages; a prior-auth subgroup gap steps to a SEV-1 with a clinical runbook.

The honest version of "my team could build this"

Your team probably could. What an internal team structurally can't do is audit its own pipeline as an outside examiner: in an FTC-watched, HIPAA-covered, transparency-branded business, a cited, independent read of where PHI piles up and where a metric drifts is worth more precisely because I don't own the result. Add speed, and a track record in exactly this slice. That's the value, not raw capability.

The honest bound: these run on synthetic data and say so on every screen. Wiring them to your real numbers is the follow-on engagement, not a claim I'm making here. And if your hops are already minimized and your metrics already page someone, the read will say so.

If a short engagement made sense

A fixed-scope diagnostic, four to six weeks, run on a synthetic pipeline shaped like yours, ending in a data-readiness memo that scopes the real internal read. IP transfers; no platform, no subscription, nothing to host.

Diagnostic: 4 to 6 weeks, the read on a synthetic pipeline plus the readiness memo, IP transfers$45 to 65K
Year-one ceiling: diagnostic plus the internal extension stood up on your live metrics, capped~$120K

Fixed-scope, indicative ranges; final scope set after a call. A standing monitoring retainer exists only if the diagnostic proves a recurring queue; it's never the default and it isn't a platform fee.

The actual ask

One 30-minute call to tell me what's keeping you up: routing, the PHI egress, the prior-auth surface, or something I haven't guessed. If it's useful, I'll walk a sketch live and show where inferred-PII piles up and who'd get paged on a drift. If your shop is already clean on both, I'll happily say so and we'll have spent half an hour well.

The prototypes, live: smithrx-read.pages.dev · Book it: jeffpinto.com/engage · Method: the PII-prevalence note and metric-SEV

Who's behind this

Jeff Pinto runs a small, independent data and AI advisory practice (jeffpinto.com). Thirty years across AI data and privacy, health tech, marketing analytics, renewables, logistics, and broadcasting; the last seven in ML and AI. Hands-on at Meta, Uber, and IBM, plus six startups (one turnaround, three acquisitions). Two MScs: computer science (Toronto) and engineering (Loughborough). Engagements are fixed-scope, four to twelve weeks, no platform and no subscription; whatever gets built, the IP transfers to you.

The slice that fits SmithRx: my UofT/CAMH thesis was privacy-preserving NLP on OCR'd psychiatric records, where I compressed a subgroup parity gap from about 35% to roughly 1% with no accuracy loss; that is the same small-corpus, regulated-decision fairness work a prior-auth model that can't be allowed to drift toward over-denial needs, and it pairs with the published PII-prevalence read built for exactly this PHI-egress problem.

Sources: SmithRx Business Wire and company blog (member lives, savings, Connect 360, pass-through model; company-reported) · FTC PBM interim reports 1 and 2; FTC GoodRx Health Breach action ($1.5M) · HIPAA Security Rule NPRM, Federal Register 2025-01-06 · Change Healthcare breach, HIPAA Journal (192.7M individuals). Full workup with confidence tags in workbook.md. All prototype numbers are synthetic and labeled on screen.

Built by Jeff Pinto: Meta / Uber / IBM + 6 startups · two MScs · ML privacy and measurement · UofT/CAMH clinical-NLP fairness thesis. jeffpinto.com

DRAFT · Updated 2026-06-19 · v0.2