insurance american family: Minimizing Your Prescription Drug Costs

Americans spend more than $ 150 million a year in prescriptiondrugs. The average American receives 10 prescriptions annually, Andover 10% of total health care costs forprescriptions. Since 2006, the plans that are not qualified health towork savingsaccounts may include both prescription medications benefituntil policyholders after a meeting with the residue. So for the owners of HSA, one of the biggest expenses your health center can be a prescription drugs.Here some ways to reduce costs. Summary report was published this week, Express Scripts Inc.



., Foster apharmacy Manager, indicating that the increase in drug ofgeneric save 24 billion dollars in 2005. Genericdrugs average cost less than $ 60 per month that, insurance american family, Mark namedrugs. It 'important to understand that the brand name drugs, often havelittle or no benefit over older versions of common. Primeexample is Prilosec, medicine, heartburn, wasscheduled whose patent expires in April 2001. Prilosec is composed of two "isomers", the version of the right hand and left hand versions.



Studiesshowed success rate of 87% for this drug. Themanufacturer AstraZeneca has decided to offer a unique patented isomerversion again called Nexium, which showed slightly betterresults only 90% of successful marketing rate.A was $ 500 million for bothphysicians and to convince consumers that Nexium is "the State-the-art ". AstraZeneca now sells more than $ 3 billion pills worthof year to $ 120 for each box. This is a drug that is just a repackaged version isessentially Prilosec, which sells forabout doctor box.



When $ 20 is the appointment of agents, do not forget to ask ifthere some advantage of having a company name generally known that the State pays andlet for prescription pocket.Drug Discounts ProgramsPharmaceutical very close to the prices in the hospital - very fewpeople actually pay sales prices. There numerousdrug discount cards available on the market, providesavings compared to an average of 15% to 40% below retail participatingpharmacies. As a general rule, most chain pharmacies (CVS, Eckerd, Walmart, Kroger, Costco, etc.



) to participate in theseplans. Many insurance companies include a discount card that comes with a cover additionalbenefit. because these cards arenot considered safe, that may be offered to qualified plan anHSA. insurance companies that provide discountcards Rx with HSA plans include American Medical Security Anthem Blue Cross Blue Shield, Assurant, Golden Rule, Unicare Imera, and the world. We also know the HSA administrator - HSATrustee services - which includes drug discount program topeople using them.



Self-drug discount plans are also available for Internet access anyonewith. We found that the average discount plans ofthese costs about $ 7 or $ 8 per month. ForAmerica HSA provided for their members (and readers thisnewsletter) free Rx discount card through a card company calledDrug America. To register online, simply visit the website: http://drugcardamerica.com/index.aspx?affid=104&agent=1&rxgrp=SAS104&affguid = (458151a2 - 8511-4e15-! 9c22-d335be23527c). maywant, insurance american, insurance american family, family, you this card, like any other card because cardthat offers the best conditions usually varies depending on the drugs.



If you are looking for a plan, an additional cost for more discount prescriptiondrugs American Health Optionsoffers only four levels of a prescription card program where you pay $ 10, $ 20, $ 50, or a special price for medicines and common brand. You can control the interestedin any drug, and apply online http://www.ahco.biz/index. cfm? id = 14593.The costs of this plan is $ 19.95 per month per individual or $ 29.95 for a family. Mail OrderIf need a prescription is not urgent, or whether drugs onlong term, the mail is almost always a way to buy lessexpensive prescription drugs.



cheaperto usually get delivery of 90 days in connection with discount wholesale. recommendasking doctor writes me a prescription for 3-monthlysupply plus three stations. ofdrugs In this way the cost of one year, and only a shipping company that has good prices fee.One Save Pharmacy.They off hours "at risk" business model, and were able to re-price Duce, eliminating the cost of processing companies withinsurance. Prices also available on the Internet, so easyto compare. Unfortunately, they