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2008-02-19T03:54:00.001-08:00

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2007-11-05T09:25:00.001-08:00

Canadian Online Pharmacy and Its Usability

2007-10-10T06:19:00.001-07:00

Medical expenses in the USA are lot more than in Canada. That is the main reason why the most part of patients from the USA prefer buying drugs using Canadian pharmaceutics. Since both of them are advanced countries – technologies they use are almost the same and satisfy the standard. However, it is unfair to think that this is a single cause over which many patients resort to Canadian pharmaceutics.

It is almost impossible for a person from the USA to acquire medicaments avoiding vast sums of money. Often it was noticed that a customer from the USA visits Canadian drugstores to purchase medicines. On the one hand a patient buys his drugs there because medicaments cost much cheaper in Canada, though on the other hand this country sells only drugs approved by FDA. So every one who wants to purchase meds – does it sitting at home via Internet, enjoying comfort not leaving his chair.

Concerning service - it may be surely stated that a lot of Canadian pharmacies engage professional doctors who have a right to give prescriptions online. After that he decides if a patient should get prescription, which dose of medicament is necessary and other details.

Only after such procedures of prescribing only suitable drugs – a patient may make an order from Canadian pharmacy. Without prescriptions of this kind none of Canadian or American patients may get a drug from drugstores of Canada.

However before ordering from some online pharmacy – it is highly recommended to learn different reviews or comments devoted to pharmaceutical sites, also forums may add a lot of useful information which of Canadian Pharmacies it is better to use.

Refusing to learn and compare pharmacies online the customer risks to face scam pharmacies and ordering a certain drug to waste a lot of money and get nothing or get a medicine of poor quality etc. That is a very spread situation when the customer makes an order in the first pharmacy online he finds and loses his money or sometimes even worse – he may make a harm to his own health by unsuitable med.

These are approved pharmacies that offer a great service, high quality medicines and are ready to answer your questions any time of the day or night. Most of them have live chat and suggest you a communication online so you may learn all details you are interested in.

Source: www.OnlinePharmacyFDA.com

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Health and Pharmacy Sites

2007-10-10T05:36:00.001-07:00

Mental Health (Anxiety and Depression) Sites
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First Aid When Panic Attacks

2007-10-06T14:24:00.001-07:00

First Aid When Panic Attacks

If it is the first time you’ve had an attack, try to define the emotional factors which could provoke a strong feeling of anxiety. Find the connection between your feelings, state and antecedent events. Analyze the problem and try to solve it.
Try not to develop a limiting conduct even if your panic attack occurred on the street or in the transport. Keep on using a transport and have as active way of life as it is possible.
Having the first signs of the panic attack take some benzodiazepines, for example Xanax, Diazepam, Valium, Alprazolam or other. Bear this medication with yourself. After taking the medication, effect is felt in about 20-30 minutes. Such medications as Xanax may stop the attack in full or smooth away the symptoms. With a help of the medication you will stand the panic attack in a benign.
If the panic attack happened in a public place – try to take the medication quickly and sit calmly about a half an hour till you feel the sedative action of the drug. If you have not taken the medicine with yourself then try to relax at first, sit for some time and then go back home or to your office (asking not to disturb you). If you still feel bad - call for an Ambulance.
During the panic attack try to breathe evenly and calmly even if you want to breathe more frequently. A tachypnoe may provoke a hyperventilation syndrome when with an increase of breathing frequency - a feeling of fear and anxiety increases and as a result they in their turn make you breathe more and more frequently and so on.
If your hands and feet grow cold during the panic attack, try to warm them using a hot water for example. You may also take a hot bath if you are at home at that moment. But you should do it only if you have your extremities growing cold however if you have a fever and high blood pressure - you should not do it! This method also helps to stop quickly an attack.
It is also not unreasonable to tell about your state to someone among your close relatives who may support you.

The Anxiety Disorder Effect

2007-10-06T14:20:00.001-07:00

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What is Bipolar Bisorder? What is Manic Depression? (Video)

2007-10-06T14:10:00.001-07:00

What is Bipolar Bisorder? What is Manic Depression? (Video)

My Successful Story of Losing Weight. (Tenuate Success Story)

2007-10-06T13:05:00.001-07:00

When I studied at school I was quite slim and skinny girl. I ate everything I wanted and never gained any weight. All of my friends envied me as they tried to follow different diets to keep their figures in form but I did not have to do anything to remain thin. I never thought of diets or healthy nutrition as I was sure that my ideal body would be the same in some years and I would never have to search for ways to lose some weight as my friends did.

When I finished my school, I took some time off and started to work. Nothing in my ideology changed, but my body began to look otherwise than it did when I was a teenager. Nobody noticed any change with my body, but I knew my body quite well to notice the slightest signs of the excess weight. However I still thought that it was impossible and my body would be the same as it had been three or four years ago. I went on eating everything I wanted and did not burden myself with thoughts about diets. It was strange for me to believe that something in my appearance could change. I was sure that my excellent weight was given to me forever. Nevertheless, I stopped wearing short skirts and T-shirts as well as clothes that fit tightly my body. My hips began to puff out and I felt uncomfortable.

Soon I entered the college. I felt that it was the beginning of my new life; I expected the best events and was full of happiness. However, in some time I saw that things got worse as I began to put on weight very quickly. I was very busy with my studying and I had not enough time for a healthy nutrition, instead I ate everything that was in my hand and what is worse, when I had some problems, I calmed myself down with different sweets, confectionery. As a result I put on 20 pounds. I was shocked and depressed.

I made several attempts to lose weight and all of them failed. The only wish coming home was to start at least controlling my weigh but finally I lost my patience and gained it even more all the same.

After my second year of studying I was downcast as I had put on more weight – 45 pounds over the year. I did not know what to do and where I should wait for a help. But when I got home I saw my mother who looked as a young slim girl as she had lost all of her excess weight and she was really great. It was amazing. She told me that diets did not help, as after some time she started to eat in the same regime again and after losing her weight she gained it again and again. However she told me that she was using Tenuate - medication that suppressed her appetite and helped to lose weight without special efforts. Tenuate reduced her cravings for food and she managed to live a healthy life. I understood that I started to gain my weight because I turned to food too often trying to forget about some unpleasant events, or just watching TV and then just to fill my stomach with something I really did not want. I ordered Tenuate online as I did not want someone to see me buying weight loss medication in our drugstore as I had some inferiority complex by that time. I began to take Tenuate along with my mother and very soon I noticed that my appetite decreased very much and I learned to control my nutrition. We cooked healthy meals every night and though my Daddy did not like that part very much he was proud of us and the results we reached.

By my third year of studying I reached great results due to Tenuate – I lost 30 pounds and I was very close to the weigh I had when I was at school. The only thing I worried about was that I would not be able to control my weigh after returning to college. But nothing of the kind happened! Tenuate kept my appetite to the perfect level and I kept on eating correctly maintaining my healthy life style. I am very happy now as half of year passed and I have returned to my original weight and what is more pleasant – I still manage to control it!

AnxietyOnlinePharmacy.com Customer…

Drugs from Canada and the Canadian Pharmacy Issue

2007-09-22T13:06:00.001-07:00

There is a growing urgency in the U.S. regarding two fundamental issues: health care coverage and the high cost of prescription medications. Simply put, many Americans, especially those without health insurance or without a prescription drug benefit, cannot easily afford their medications. And to get them, they must choose between buying their prescriptions and paying for basic necessities.

Why, in allegedly the most prosperous nation on earth, does this situation exist? The answer is COST. Americans pay more for their drugs than citizens of comparable nations.

In fact, in stark contrast to Canada where the canadian government has negotiated huge savings for its citizens, the U.S. government has shown no similar interest in helping its own citizenry. The approach used by Canada, of course, seems wiser and more beneficial: Canadians save forty to ninety percent off the cost of their prescription drugs.

Why has the U.S. government been less proactive on this issue than the leadership in Canada?

Cash and politics may comprise the answer. Through intense lobbying efforts, drug manufacturers have successfully "sold" the idea that a higher drug cost for Americans (versus Canadians) is an acceptable way to reduce the cost of developing new drugs and medicines.

But is this fair? That U.S. citizens should bear this burden for the rest of the world? Few would argue that it is.

But, because the situation does exist, Americans who live on a fixed income (senior citizens and the disabled) or no longer have health insurance, or who lack a prescription drug benefit in their health coverage, must often choose between buying their medications or...take your pick: paying the light bill, getting groceries, or paying the rent or mortgage on time.

That Washington will not address the spiraling cost of prescription medications is disappointing. But what is significantly more troubling about the government's stance is the FDA’s rationale for resisting drugs from Canada via Canadian internet pharmacies.

What is the FDA's position ? It revolves around the safety of canadian pharmaceuticals, with the clear intimation being that canadian drugs are not as safe as drugs sold within U.S. borders. However, in 2004, the GAO (government accountability office) found in its investigation of 60 internet pharmacies that canadian pharmacies had fewer problems than their U.S. counterparts. And according to Paul Doering of the University of Florida college of pharmacy, the FDA’s director of pharmacy affairs, when asked, was not able to provide one instance of someone being harmed by drugs from Canada.

Given such facts, one has to wonder why Washington is so opposed to the idea of drugs being ordered from pharmacies in Canada. Again, cash and politics would seem to supply the answers.

U. S. drug makers, despite their claims of losing money, are actually making tons of money. In fact, as the prices of drugs increased for patients (a four-year long AARP study found that 155 name brand drugs increased in price by an average of 27.6 percent), medicine companies posted sizeable profits. Much of that profit was due to a higher drug cost for Americans. This is not something that medicine conglomerates would voluntarily like to give up.

Fortunately, despite the FDA’s disdain for U.S. citizens ordering online from pharmacies based in Canada, Americans may still do this and enjoy significant savings on their prescription medications. Under the “personal use” exemption, Americans with valid prescriptions may order, at any one time, up to a 90-day supply of their prescribed medications from Canada.

How does a person know that the canadian pharmacy they are ordering from is safe and reliable? The squaretrade licensed pharmacy program has made it easier to discern which pharmacies you should buy from. In a partnership with the NCPA, or national community pharmacists association, the Squaretrade company certifies whether or not an internet pharmacy has met the standards of a "brick and mortar" pharmacy. Pharmacies that meet this standard receive the squaretrade seal of approval which is plainly visible on the front page of every squaretrade-certified site.

WHAT IS INFANT MENTAL HEALTH?

2007-09-22T12:50:00.001-07:00

Selma Fraiberg and her colleagues in Michigan coined the phrase infant mental health in the late 1960s.It is de?ned as the social,emo-
tional,and cognitive well-being ofa baby who is under three years of age,within the context ofa caregiving relationship (Fraiberg,1980).
Fraiberg understood that early deprivation affected both development and behavior in infancy and reminded us that an infantis capacity for
love and for learning begins in those early years. She had been trained in a psychodynamic approach to mental health treatment for adults
and children,which she adapted for work with parents and young children from birth to three.
Fraiberg was attuned to the power and importance ofrelationships and understood that how a parent cares for a very young child has a
significant impact on the emotional health ofthat child. She also understood that parental history and past relationship experiences
in?uence the development ofrelationships between parents and young children. Fraiberg referred to this new knowledge and understanding
about infants and parents as ia treasure that should be returned tobabies and their families as a gift from sciencei(1980,p.3).She
spent the remainder ofher career returning that gift through training and a carefully crafted approach called infant mental health service
(Weatherston,2000).
Four questions are ofgreat signi?cance to the scope ofinfant mental health practice and to the training needs ofinfant mental health
specialists: What about the baby? What about the parents who care forthe baby? What about their early developing relationship and the context for early care? What about the practitioner? These questions shape the framework for infant mental health practice and training (Weatherston,2001).

Returning the Treasure to Babies

2007-09-22T12:37:00.001-07:00

Imagine that you are an infant mental health practitioner and that
you are sitting in a familyis kitchen. The young mother,her infant,and her toddler
were referred to you by a nurse practitioner who had some concerns about the babyis
care and development following the babyis discharge from the newborn intensive care
unit. It is about 2 P.M. Dishes are piled high in the sink; food from several meals sits
on the counter. It is hot. The windows are shut tight,and although the sun is shining,
the shades are drawn as if to protect against the intrusion of daylight. The baby,three
months old,cries in the back room. The information that you were given tells you that
the baby was premature and had been separated from her motheris care for three weeks
before hospital discharge. The twenty-two-month-old toddler,a boy,brings you toys
and indicates with a grunt that he wants to climb up on your lapoyou,the stranger.
His face is smudged with traces of chocolate. He is pale and unsmiling. There are sig-
ni?cant developmental questions about both small children. Their mother,a single
parent,twenty-four years old,is alone in caring for her children and isolated from fam-
ily or friends. She seems agitated and surprised that you have come,although you
spoke to her yesterday on the phone. She,too,is unsmiling,unable to pay attention
to the toddler or to hear the babyis continuing cries. She lights a cigarette,pours a cup
of coffee for herself and asks you,iSo . . . why are you here?

This vignette marks the beginning ofan infant mental health intervention in which the focus is on early development and relationships
between a parent and her two young children.The scene is a familiar
one in the world ofinfant mental health,challenging and complex.
What is it that you,in the role ofan infant mental health practitioner,
will do? What core beliefs, skills,and strategies will guide you to work
effectively from an infant mental health perspective? Finally,what
training experiences will you need to have in order to offer this family
meaningful service support? The intent ofthis chapter is to introduce
the reader to the practice ofinfant mental health and the experiences
that contribute to the growth and awakening ofan infant mental health therapist.

2007-09-22T12:31:00.001-07:00

The delivery of mental health services to infants,toddlers,preschoolers,and their families involves a complex interweaving ofskills that
straddle disciplines and test boundaries.Provision ofsuch services is a testament to the strength ofpractitioners who struggle to balance the
necessary knowledge base,application strategies,and self-awareness required by the work.It is a fragile dance,with the practitioner often
initiating a conversation that a caregiver does not want to have, testing and retesting boundaries as the work unfolds,and maintaining a steady,
yet ever adapting,view ofindividual children and families.The practitioner must provide constancy in an ever changing world while
remaining open to new possibilities in her own work and in the lives ofthe families served.The dance requires the clinician to adjust her
tempo across timeosometimes it is a slow dreamy waltz,at other times a spinning,whirling motion accompanying the child and family on
their precious journey ofdeveloping and becoming.
In order to be effective,the infant and preschool mental health practitioner must exhibit a wide range ofpersonality characteristicso
some deep within,others at the surfaceoall ready to be called up at the appropriate moment.These characteristics include a sense of
humor that allows the clinician to share joy with a family and to lighten dark moments. She must be able to laugh with a family,to
laugh with her colleagues,and to laugh at herself.She must be patient, not only with herselfand her expectations ofher own work but in her
expectations offamilies. She must be able to sit quietly and listen but not be afraid ofproviding advice when asked.A practitioner must also
be enthusiastic and passionate about her workothe dance is different,then,than when a family encounters indifference and apathy.
Compassion must come as second nature but not overwhelm the work. Showing understanding,interest,and concern is crucial,but so
as the ability to step back from the work and to maintain direction without being sidelined by overwhelming need.A practitioner must have boundaries but be able to work in boundary-less fashiono cutting across disciplines,making decisions that are appropriate in her
work with one family but not with another family.High-quality supervision is essential to this work.The good supervisor holds the clini-
cian so that continuing progress is possible and acts as the depository for the self-doubt that inevitably arises when doing this complex work.
Infant and preschool mental health is an ever changing,evolving ?eld.This handbook is designed to help the clinician in the journey
ofprofessional growth as she works to help young children and families realize their potentials.The handbook is intended to help train-
ing programs,agencies,and clinicians determine what skills and clinical experiences are needed to do the wide range ofwork that
makes up this ?eld and decide how to develop those skills and structure the clinical experiences.
The book is divided into five parts.Part One focuses on broad training areas in which a clinician interested in infant and preschool
mental health practice must develop skills.Weatherstonis chapter provides a wonderful overview ofcurrent and historical issues related to
training and service delivery,along with key concepts in infant mental health. Other chapters in Part One focus on developing observa-
tion skills,designing assessment training,developing diagnostic skills with very young children,providing dyadic therapy,providing (and
receiving) re?ective supervision,and developing self-awareness and sociocultural perspective.Finally,the chapter by Delahooke examines
retraining from the perspective ofthe practitioner who struggles with putting together key training elements,without the bene?t ofa com
prehensive training program.This chapter is particularly pertinent, as many practicing clinicians who decide to retrain to work with birth
to ?ve-year-olds are not able to move to another city and enroll in a comprehensive training program.
Part Two addresses specialized areas ofpractice,including the evaluation and decision-making process for reuni?cation and adoption,
play therapy with preschoolers,and intensive day treatment for very young,traumatized children in residential care.The last two chapters
in Part Two focus on the delivery ofinfant and preschool mental health services outside the traditional mental health arena.Jones
Harden and Lythcott look at issues in providing services in homes, schools,day-care centers,and social service agencies.Harris addresses
strategies for delivering services in rural and remote areas.

Part Three explores training systems and the use oftechnology for training,supervision,and consultation.Included are chapters exam-
ining the development oftraining and practice standards within California,the Wayne State University Graduate Certi?cate Program in
TM Michigan,and the development ofthe DIR Certificate program.

Wajda-Johnston and her colleagues have put together a wonderful examination ofthe struggles they have encountered and the success
they have had in developing technology for remote supervision and training.

Part Four includes several innovative models ofservice delivery and training that rely on collaboration between disciplines and an inte-
grative approach to services to create system change. Finally,Part Five is a thought-provoking examination ofprograms in Illinois and New York that transform training and practice through the infusion of rejective process and the creation ofiripplesiacross systems.

As infant and preschool mental health practitioners continue to develop and expand the scope oftheir practices,they will ?nd many
ofthe chapters in this handbook particularly important to their professional development.The authors are trainers and service providers
who are involved with the leading edge ofinfant and preschool mental health services across the United States.I hope that this book will
be useful as a training guide for developing clinicians,a resource for current practitioners,and an inspiration to programs looking to
expand their boundaries on behalfofvery young children and their families.

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State Government Programs (Prescription Drugs at Low Cost)

2007-04-28T02:59:00.000-07:00

Various state governments have programs to assist individuals with financial difficulties in obtaining prescription drugs. These programs are needed because many people make too much money to qualify for Medicaid. These programs are different, however, from the programs that most states have to aid individuals with specific diseases or conditions that can be very expensive to manage, such as AIDS, cancer, cardiovascular disease, and diabetes.

Presently, only about half of all the states have some type of program specifically designed to aid individuals with prescription drug costs. The eligibility criteria and services provided differ from state to state and from program to program. Appendix A summarizes the state assistance programs for those states that presently offer one. States are constantly adding new programs or modifying existing ones. To keep up with all the changes and to find out the specifics for the state in which you live, log on to the web site of the National Conference of State Legislatures at www.ncsl.org/programs/health/drugaid.htm.

These programs are usually designed for seniors (persons age 65 and older) on Medicare. However, certain individuals, including those with disabilities, such as blindness, can join. Eligibility is usually based on income and this varies from state to state. These programs are usually very comprehensive, that is, they cover a lot of prescriptions.

All of the programs have some form of cost sharing, which means that the patient pays for some of the cost of the medications. These costs come in various forms like copays and deductibles. A deductible is the amount you have to spend before the program starts helping you. So if, for example, you have a deductible of $200, you will have to spend $200 on medication in that year before you can start using the program. Some programs also have enrollment fees and some have premiums, which are amounts you pay to be in the program. Premiums are similar to what you pay to have insurance. So, in those states that have premiums, you will be charged a certain amount that you can pay over time just like you can with your car insurance.

To use the state prescription assistance program:

Obtain the phone number for your state’s program (see appendix A for the number).
Get an application sent to you.
Enroll in the program and obtain a card.
Present the card at the pharmacy when filling a prescription.
Get the drug with a copay or at a discount.

Prescription Drugs at Low Cost

2007-04-28T02:50:00.000-07:00

Individuals can acquire medications at a substantial discount to the retail price, in most cases, whether they have insurance or not. Using the programs described here, patients should be able to get the medication (or an equivalent substitute) at a discount and will realize significant savings, especially if they are on medications for chronic conditions. The programs described are:

State government programs
Generic substitution
Brand name substitution
Use of the Internet
Discount pharmacy programs
Pill cutting
Importing drugs
Drug company discount programs

Refer to the flow chart on page 32 to see which program is best for your situation.

About Drug Vouchers

2007-04-27T01:59:00.000-07:00

Physicians normally get samples through sales representatives from pharmaceutical companies based on their specialty and prescribing habit. The practice location also determines what type of samples they receive. For example, office-based physicians get more pills and less of the types of products that are used in hospital settings such as drugs given intravenously.

A growing number of hospitals and other health institutions are now banning the use of samples, however. The reasons range from the difficulty of maintaining proper handling and management of the samples as required by regulatory bodies to the effect of drug samples on cost. An alternative to samples is the use of drug vouchers. With drug vouchers, patients receive a coupon for the drug, which they take to the internet pharmacy to receive the medication for free. The drug company reimburses the pharmacy for the cost of the drug.

Drugs Samples

2007-04-27T01:48:00.000-07:00

Samples are free medications provided by drug companies to physicians, to give to their patients. Samples are very useful, especially in acute disease states when the patient needs medication immediately and can’t wait to get a prescription filled in a pharmacy. Pharmaceutical companies provide samples to physicians to start new patients on the drug to determine if the drug might work for the patient before committing them on the drug long-term. Samples also create brand awareness and build product loyalty. Samples can save you a lot of money. Doctors, by law, cannot charge for samples. In many acute conditions, such as a routine strep throat infection or acute pain, the physician might have enough samples to cover the whole course of treatment. If your doctor, therefore, gives you a prescription and you can’t afford it, ask the doctor if he or she has free samples. Your doctor might have enough for the whole treatment or might have some to get you started and then you can fill the rest at the online pharmacy, hence saving you money. While samples are not ideal for chronic conditions, they nonetheless can be useful in chronic conditions as well. Your doctor might have "stock" bottles of medications. Usually samples are packaged to contain just a few pills to get you started on the drug. That’s why samples are also referred to as starters. For chronic conditions, some drug companies provide physicians with containers that have up to a month’s supply. Physicians have been known to sustain patients who cannot afford to buy medications for months on these stock bottles. There are many benefits to using samples:

Samples are free. They have been used effectively by physicians to assist a lot of individuals who could not afford the price of the medication.
Samples result in high compliance. Many individuals do not fill the prescriptions their doctors give them. With samples, however, the patient is getting the drug directly and has a higher chance of treating the condition.
Samples help the doctor know if a particular medicine will work for a patient and if there are side effects that would make it wiser to switch to a different drug. Medicines do not all have the same effect on all patients, and other medications could be available for the same condition. By giving a patient samples for a short period of time, a doctor can determine if that patient should stay on that drug or try a different one.
Samples help physicians become more familiar with new drugs. When a new drug comes out, the drug company promotes it heavily and gives out lots of samples. While the patients benefit from this new therapy, the physician has the chance to evaluate for himself or herself how the drug really works. It also allows the doctor to know if there are special patient types that the drug works better in, any special conditions or circumstances to keep an eye out for, and any dosage adjustments that need to be made.

Certain issues must be kept in mind as far as samples are concerned:

Your doctor might fail to catch an important drug interaction. In a regular prescribing sequence, a patient receives a prescription from a doctor and uses a pharmacy to get the medication. With samples, the patient gets the medication directly from the doctor. In nearly every case, this works just fine. Pharmacists, however, play a role in catching medication errors and in checking for drug interactions. If a pharmacy is not involved, it makes even more sense to ensure that your doctor is aware of what medications you are taking, including herbal medicines. If you have any questions as to what you received, go back and ask your doctor or consult with your pharmacist. Another circumstance where a pharmacy can be of help is in the case where a medicine has been recalled because of safety or other concerns. If the pharmacy has a record that you are on the drug, at least another person besides your doctor can notify you.
Samples might not be properly managed. Federal law, state law, and private regulatory bodies require the proper handling, storing, and accounting of samples. There have been circumstances, however, where samples were not being properly handled or patients were given medications that were no longer useful. Although this is rare, ask your doctor if you have any doubts. Also check the expiration date on the package you are given to ensure that the medication is still good. A word of caution, though, about expiration dates: expiration dates do not always determine when a drug stops working. So your doctor might give you a drug that has recently gone past its expiration day. Bring the issue up with your doctor. If the expiration day was not that long ago, your doctor may say it is fine to use.
Be sure you are getting your sample from a person who is authorized to give you a prescription. While office staff members help the physician or prescribing personnel hand out medication, they can only do so with written orders from the prescriber. Be sure you are getting samples as a result of your doctor’s orders.
Samples could cost you more money in the long run, because physicians give out samples of what they have and samples in physicians’ offices tend to be of new products that are usually more expensive than older drugs. So, if you have a chronic condition and you were started on an expensive product, although it was free at the beginning, staying on it might become costly in the long run. If you are given samples of an expensive medication, be sure the samples are enough to cover you for the course of the treatment. If not, ask your doctor if a lower cost drug is available, which, although you might have to pay for it, ensures that over time you come out ahead financially.

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Saving on Prescription Drugs When You Have Drug Coverage

2007-04-26T14:07:00.000-07:00

If you have insurance that covers prescription drugs then you don’t have to worry about medication cost, right? Well, maybe or maybe not. Most probably, when you get a prescription from your doctor, you take it to your local pharmacy, and if you have managed care insurance, you pay a copay—your share of the cost. The online pharmacy then deals with the insurance company to get paid the other part of the medication cost. Most individuals have health coverage through managed care plans, and these plans provide prescription drug coverage with copays. The copays are usually fixed amounts, between $10 and $30, depending on what the plan designates in your contract. Usually the amount is fixed for a year, and that is how much you pay, regardless of the actual cost of the medication. So, if the medication costs $100 and your copay is $10, you pay $10. If your doctor prescribes another medication that costs $200, you still pay only $10. Your insurance pays the difference to the pharmacy. Many managed care plans are now developing different copays for members based on the plan’s cost for the medication. So, for example, a member might be charged a copay of $10 for the generic version of a drug but will have to pay a copay of $30 for the brand name.

There is a catch to the copay system, however. For you to pay only the copay, your doctor must prescribe a medication that appears on what is called a formulary, which is the list of medications that the insurance company has decided it will pay for. If your doctor decides that the medication that is the most appropriate for you is not on the formulary, he or she has to call the insurance company to justify its use. If the insurance company is not satisfied with the explanation, you will have to pay the full price of the medication.

If you have indemnity insurance that covers prescriptions, you pay for the medication and then submit a claim form to the insurance company to get reimbursed for all or part of the medication cost. In all of the above cases, the out-of-pocket costs are usually small and most people who need medications for an acute condition can easily manage the cost. It starts to be a bit more complicated and expensive, however, when an individual has several chronic conditions and/or is on several medications. Even when you obtain your medications with copays alone, if you have several chronic conditions such as high blood pressure, high cholesterol, and diabetes, and are on several maintenance drugs, these copays can add up pretty fast.

The first step in managing the cost of prescriptions is to determine if the disease is an acute condition or a chronic condition. Acute conditions are illnesses that usually come on suddenly and whose treatments require relatively short periods of time, from a one-time therapy to a month or two of medications. Examples of acute conditions are pain after you see a dentist, an infection such as a strep throat or an ear infection, or a cold. Managing these conditions is not as expensive because once the treatment regiment is completed, the disease is usually cured.

Chronic conditions, on the other hand, usually develop gradually and when diagnosed, have to be treated for longer periods. Chronic conditions like diabetes and high blood pressure have to be treated for longer periods of time, even for life. It is important to realize that with these conditions, you have to continue treating the disease even when you do not feel any symptoms. Many of these diseases have to be "managed" because we do not yet have cures for them. When patients fail to follow treatment directions like taking their medicine every day, the disease can become more complicated and more difficult to manage. The result is an even greater expenditure on healthcare. There are two strategies for managing the cost of prescriptions when you have coverage: mail order and samples.

Prescription Drugs and Healthcare Cost

2007-04-26T13:55:00.000-07:00

Drugs today have not only caused us to live longer but they have also improved the quality of our lives. A lot of illnesses can be managed effectively with medications, reducing the need for hospitalization or nursing care. Thus, medications are cost-effective in managing our diseases. Newer and better drugs are being developed each year.

Many people, however, struggle with how to afford prescription drugs. The elderly, those 65 years old and older, are especially hit hard. This group, which is expected to double by the year 2030, uses about 35 percent of all prescription drugs. The classes of people most affected by the high cost of prescription drugs are:

People who have no health coverage.
People who have health insurance but their policy does not provide prescription drug coverage. This applies to seniors on regular Medicare since Medicare does not provide prescription drug coverage.
People who have insurance coverage but are given prescriptions that are not covered by their plan. This applies to individuals with managed care coverage who have been given a prescription for a drug that is not covered by the plan.
Individuals with prescription coverage, especially those on multiple medications, who face increases in their share of the cost of the drugs.

The debate over the cost of prescriptions is often complex and emotional. Drug companies are in the business of producing drugs for a profit, and they have done a great job in producing newer medications that work better or safer than older medications. It costs a lot of money, to the tune of over $500 million, to get a product to the market effectively.

The debate has always centered on how much these drugs should cost. Drug companies need to get back the money spent in developing a new drug, but more importantly, they need the profits to be able to have enough resources to fund the research to produce the next generation of drugs. Most of the new drugs used around the world are developed in the United States. This is because the U.S. market is the only market that allows drug companies to price their products using market forces as opposed to the government imposing price controls. This does not mean that drug companies can charge whatever they want. Market forces prevent them from doing so. Competition within the industry, either from other brands or from generics, when available, helps to ensure that drugs are not priced as much as the manufacturer might like.

Another market force in play is demand for the drug. Newer medications usually are safer or work better than older medications. The drug company might have to spend a huge amount of money educating the public about the drug, in the form of advertisements and consumer brochures, to create a demand for the newer medication. With greater demand, the company can charge a bit more, just as the manufacturer of any product might be inclined to do.

As stated in chapter 1, prescription drugs play a major role in secondary prevention. With most chronic diseases, the proper use of prescription drugs can effectively prevent or delay the need for institutional care, thereby saving a lot of money. Many individuals, however, do not take their medicine as prescribed or don’t take it at all. One of the biggest reasons for this is that these individuals cannot afford the medication. Chapters 4 and 5 address this problem. Whether you have insurance or not, whether you are rich or poor, you can always find a program that will allow you to have access to any medication, either for free or at markedly reduced prices. Using the programs described here, cost should not serve as an excuse, especially when you are dealing with the most important aspect of your life: your health.