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    What To Look For When Evaluating Medicare Prescription Drug Plan


    2010 - 09.27

    What To Look For When Evaluating Medicare Prescription Drug Plan Options: The Three “C’s” of Medicare Prescription Drug Coverage

    People with Medicare can start saving money by enrolling in the government’s prescription drug plan, and with open enrollment running through May 15, 2006, there is still time to save.

    “This is the most significant change to Medicare since the program’s inception, and it will offer people with Medicare more choices than ever before,” said Scott Latimer, M.D., Central and North Florida Market President for Senior Products at Humana, one of the nation’s leading private sector Medicare insurers. “In order to select the plan that best meets their needs, beneficiaries will need to carefully evaluate their options prior to enrolling.”

    When choosing a plan, people with Medicare and their family members and friends involved in the process need to factor three areas into their decision: affordable cost, plan coverage of required drugs and services and ease of obtaining medications.

    Cost

    While some plans have a monthly premium, there are Medicare Advantage plans that provide Parts A and B medical coverage and include Part D drug coverage as a built-in benefit without an additional monthly premium cost.

    Plans also have varying coverage of the coverage gap, which is commonly referred to as the “doughnut hole.” Some plans offer more choices than others, including $0 deductible options, varying co-payment levels and possibly generic drug coverage through the gap.

    Additionally, people with Medicare will also pay part of the cost for prescriptions, which varies depending on the drug plan chosen.

    Coverage

    Each Medicare drug plan has a list of the prescription drugs it covers. When comparing plans, beneficiaries need to find plans that cover all or most of the drugs they take. Many plans may also offer lower-cost generics.

    Of course, insurance plans can change the list of drugs they cover. Companies must provide at least 60 days’ notice before making a coverage change. Beneficiaries can then evaluate other options and speak to their doctors about the possibility of switching to an alternate drug that is on the plan or to a generic medication.

    Convenience

    All private insurers offering prescription drug coverage have pharmacy networks. These include both national pharmacies such as Wal-Mart, Rite Aid and CVS and non-chain independent pharmacies. Mail-order drug delivery services may also be an option, and may be particularly beneficial for people who take multiple medications daily.

    People should speak with their pharmacist about the plan they are considering. It is important to know if that pharmacy will be part of that preferred network.

    Web-based tools can help calculate prescription drug costs by plan, determine all out-of-pocket costs and even allow online enrollment.

    What Is Proving In Hemeopathy?


    2010 - 09.19

    Some modern homeopaths are exploring the use of more esoteric substances, known as imponderables because they do not originate from a material substance but from electromagnetic or electrical energy presumed to have been captured by direct exposure, Positronium, and Electricitas (electricity) or through the use of a telescope (Polaris). Recent ventures by homeopaths into esoteric substances include Tempesta (thunderstorm), and Berlin wall.

    Lets look at an example: If your child accidentally ingests certain poisons, you may be advised to administer Syrup of Ipecac to induce vomiting. Ipecac is derived from the root of a South American plant called Ipecacuanha. The name, in the native language, means the plant by the road which makes you throw up. Eating the plant causes vomiting.

    When a group of healthy volunteers took this substance to determine the effects of this drug, they found that the drug induced other symptoms as well. The mouth retained much saliva. The tongue was very clean. There was a cough so severe that it led to gagging and vomiting. There was incessant nausea. While it is expected that vomiting would usually relieve the nausea, this was not the case.

    Such an experiment, using healthy volunteers, is called a proving, and it is the homeopaths source of information about the action of a drug.

    Of what use could this plant be? If a person were suffering from a gagging cough after a cold, or a woman were experiencing morning sickness with incessant nausea that is not relieved by vomiting, then Ipecacuanha, administered in a minute dose, especially prepared by a homeopathic pharmacy in accordance with FDA approved guidelines, can allay the similar suffering.

    Today, about 3000 remedies are used in homeopathy; about 300 are based on comprehensive Materia Medica information, about 1500 on relatively fragmentary knowledge, and the rest are used experimentally in difficult clinical situations based on the law of similars, either without knowledge of their homeopathic properties or through knowledge independent of the law of similars.

    What I Learned From Drug Rehabilitation


    2010 - 09.11

    One of the hardest but most redemptive seasons of my life happened when I spent fourteen months in a drug rehabilitation center. In all my years of writing, I have never written about this experience that has so distinctly shaped my life.

    Of course, I never would have dreamed that over a year of my life during my mid-twenties would be spent in drug rehabilitation, but it happened. I began doing drugs in junior high school, mostly I guess do to the typical amount of peer pressure that most teens get from their friends. I started using drugs with great hesitation, but party after party I got a little less afraid of using drugs and that became my biggest problem. Losing my fear of doing drugs was the single worst thing that happened to me in my struggle with drug use.

    My drug use became a more serious problem throughout high school and into my years at university. I thought that I was doing a great job of hiding my problem until Christmas break happened one year and my parents saw all the signs. I had great parents, by the way, and I believe that they were in no way responsible for my drug use or for my eventual need for drug rehabilitation.

    My drug problem got so bad shortly after that Christmas break that I ended up agreeing to go to drug rehabilitation without any fight. Most drug users, I am told, put up a fight for a while when someone first suggests that they enter drug rehabilitation. But not me. I knew how badly I needed help and I knew that if left alone I would probably allow drugs to kill me.

    My fourteen months in the drug rehabilitation center taught me more about myself and about life than I ever expected them to. I learned about my value as a human being and as a man for the first time in that center. I learned in drug rehabilitation that drugs are a substitute for a hole that is empty in my life, just as food or exercise or alcohol or any other thing can be for people. I learned that I had a huge responsibility in taking care of my life and my health.

    It has been healing for me as I have begun talking about my experience with drug rehabilitation with honesty. I have never felt more free than when I am looking back on the mistakes of my past with honestly and then when I am looking forward to my future with hope.

    Viagra From Trusted Online Pharmacy


    2010 - 09.04

    Cheap Viagra

    Anyone who has used Viagra knows that the medication is expensive; however, for some men it is necessary in order for them to have a normal sexual relationship with their spouse or partner. Since most insurance companies do not cover this medication, cost becomes an issue of great concern. Sometimes it can be a difficult decision to make, especially when weighing the purchase of Viagra against being able to pay other bills, and for those on a fixed income, this can be difficult. After all, simply because one is retired does not mean they no longer want to have a sexual relationship. They have retired from work, not from life.

    What is the answer to the dilemma? Where does one find cheap Viagra? The most obvious place is the Internet where Canadian pharmacies have been selling an abundant amount of medications at prices that are sometimes half of what pharmacies charge in the United States. Certainly, the United States government and the pharmaceutical companies are not happy with this and have attempted to block the sale of Canadian sales of drugs to the United States, but now, this has not succeeded. When ordering over the Internet, and even with cheap Viagra, keep in mind that the more you order at a time, the less it is going to cost you for the long term. For example, purchasing a quantity of ten is going to be more expensive per pill than purchasing a quantity of one hundred. Certainly, that sounds like a lot of pills for something that you only take when you want to have a sexual relations, but the overall savings per pill can be as much as two dollars. Since you are also going to pay shipping, its advisable to purchase as much as you can afford so that you dont have to order as often.

    For those who are hesitant about ordering Generic Viagra online, the same pharmacies that advertise on line usually have a phone number that you can use to call in your order. Of course, you can also fax it as well, especially when your first order is placed since they will more than likely need your doctor to fax the prescription. Again, to save yourself money on shipping, order as much as you can afford each time, even if it may be more than you think youll need for a month or even two.

    If you really dont want to order online or deal with the Canadian pharmacies, you will find someone wholesale drug manufacturers who will sell to the public, and the cheapest way is to purchase the generic instead of name brand. In many cases, the cost saves can be as much as 50-75% when purchasing the Rx generic brand. For those who are not ordinarily prone to purchase generic brands, they contain the same ingredients as name brand but are offered at a lower price. Though this is a product used for sexual function, the generic version will still do the same job as the name brand, so there is no need for you to pay the higher price for name brand.

    Tips to Lower Your Prescription Drug Costs


    2010 - 08.27

    Every year for the last five years, the prices of the 50 drugs most used by older Americans have increased faster than the rate of inflation, according to Families USA, a nonprofit organization in favor of affordable health care.

    Americans pay more for prescription drugs than anywhere else in the world. Many people on low or fixed incomes are desperate for relief from the high prices of the medications they need.

    Because of the escalating prices, many Americans are forced to go without the medications or give up other basic necessities in order to afford their prescriptions.

    However, there are some things you can do to help control your prescription drug expenses. Here are a few tips from PolarMeds Pharmacy:

    * Be sure the medication is covered under your insurance. Most patients have some type of health insurance. However, your policy might not cover all of the medications you need.

    Ask your doctor if the prescribed medication is covered under your insurance.

    * Substitute a generic equivalent. The drug companies that make generics must meet the same rigorous standards as the brand-name drug companies. The generic medications work the same way, and you can save

    hundreds of dollars a year.

    Before getting your prescription filled, ask if the drug is available in generic form. On the prescription, there is often a box that can be checked off, which has wording like “substitute for equivalent drug.” That statement allows the pharmacist to switch to a cheaper, generic equivalent medication.

    * Take advantage of pill cutting. Most medications come in several different dosages. When prescribed a medication, ask your doctor if it can be cut in half.

    Cutting a pill in half that is twice the dosage you usually take can often save you 25 percent to 50 percent off your usual prescription costs. Pill cutters cost only about $3 and can be found at any drugstore. Do not use a knife or razor blade.

    * Do some comparison shopping. If your neighborhood pharmacy does not provide the best prices, go elsewhere. One option is to order online or by mail order through Canada, where prices are generally 30 percent to 50 percent cheaper than in the United States. PolarMeds Pharmacy, for instance, is specially licensed by the Manitoba Pharmaceutical Association to conduct international pharmacy services.

    The Media Attempt to Stop Canadian Pharmacy Services


    2010 - 08.22

    Are U.S. pharmaceutical companies against your freedom of choice regarding a Canadian pharmacy that can save you money? Fact is, they have spent millions of dollars trying to end your right to obtain medication from Canadian pharmacy online services.

    When you see pharmaceutical advertisements, the cost of that advertising is coming right out of your pocket when you buy your prescriptions in the U.S. They complain about research and development expenses, then turn around and spend millions in negative advertising trying to discredit Canadian pharmacy services.

    Domestic Pharmaceutical Financial Reports

    The large profit margins reported to shareholders of U.S. pharmaceutical companies, as well as the large advertising and marketing budgets, clearly show that those drug companies could reduce prices without sacrificing research and development. They spend fortunes on marketing schemes to urge the consumer to ask for specific costly medications. That type of advertising is not seen in Canada.

    As much as three-fourths of all the drug companies’ budgets are spent in advertising and marketing. A great deal of research and development is publicly funded. So it’s no wonder more people are turning to Canadian pharmacy online services rather than paying high domestic prices.

    Recent News

    The American Daily reported on December 16, 2004 that “According to the Center for Responsive Politics, the drug industry paid out more than $25 million in 1999-2000 to U.S. congressional candidates.” Do you think those dollars were spent in an attempt to get congress to ban lower-cost Canadian pharmacy online services from shipping to U.S. consumers?

    The L.A. Times, on August 4, 2004 published “Pharmaceutical and biotech companies have spent in excess of $1 million lobbying against numerous bills in the Legislature that would favorably affect the way Californians get their prescriptions filled.” (Eg: From a Canadian pharmacy online.)

    Further, the New York Times reported on October 12, 2004 that “Astra Zeneca spent nearly $260 million on television and other mass-media advertising aimed at Nexium users last year. Is that why Nexium (or any advertised medication for that matter) is so expensive? That exact same medication is at least 30% less from a Canadian pharmacy!

    Do They Have Your Best Interests at Heart?

    Are the pharmaceutical giants really trying to discredit Canada pharmacy services and force legislation to halt medication shipments to U.S. consumers, making the U.S. consumer pay more for EXACTLY the same medicine? Thats for you to decide.

    Defend your right to obtain prescription medication from a Canadian pharmacy online service by selecting carefully who you vote for in the next election. Don’t fall for expensive advertising, designed to urge you to buy medication you may not need at all.

    Properly prescribed pharmaceuticals can save your life, but it can also drive you into the poor house if your purchases are influenced by advertising.

    A reputable Canada pharmacy can save you 30% 50% or more depending on the specific medication, and where you buy your prescriptions from. Its worth your time to investigate. The best place to start is by getting a price quote to give you an idea of the possibilities.

    The Future Of Drug Testing – Hair Sampling


    2010 - 08.18

    One may consider the hair as a persons crowning glory. In fact, most people spend hours in front of the mirror fixing their hair. Aside from making each one of us look good, the hair has yet another function you might be interested in. In todays modern world, there comes another way of detecting drugs in individuals. Yes, using the hair! And it is actually the most accurate method of detecting drug abuse in individuals. It can detect drugs such as marijuana, cocaine, opiates and the like. It is known as the hair drug test.

    1. Ten Times More Effective Than Urine Drug Tests

    With this kind of modern and convenient method, it is now easy for schools and even employers to test students and employees to determine whether or not they have drugs in their system. Hair drug tests come in handy kits with instructions on how to get hair specimens, then send it to the laboratory for evaluation.

    2. How It Works:

    According to studies, when a person takes in drugs, as with any other substances, such as food, medicines, or drinks, it mixes with our blood, and as we all know, the blood nourishes all parts of our body, including the head. Hints of these chemicals then become trapped or filtered through the hair follicle, thus, as the hair grows, these chemicals are stored in the hair. Interestingly, these chemicals become a part of the hair itself.

    - Very accurate
    - Chemicals in the hair can be traced
    - Traces not just drugs in system at the time, but over the past three months!
    - A two-inch sample can give that persons drug history for a four month period of time
    - Hair drug testing is much more costly than urine testing
    - Hair testing is now widely used due to its effectiveness

    3. How It’s Done:

    - A hair drug test involves cutting a minimum of 50 strands of hair
    - Hair must be cut approximately one and a half inches from the scalp
    - Hair is then sent to the drug testing laboratory
    - The hair is actually screened and reviewed, then liquified for final testing
    - There are lots of hair drug testing kits available today

    4. Hair Drug Testing Kits

    Hair drug testing kits, though widely available, are not affordable. Prices range from $50-$69 for a complete kit. Laboratory processing fees are usually included when you make your purchase.

    One point of view to consider tough – a positive test result does not automatically mean the person uses illegal drugs. In fact, positive results are sometimes triggered by other legal substances. One maybe is under medication or taking maintenance medications, or over-the-counter medications. It is wise therefore, that when the confirmation test comes back positive, it is important for a doctor, nurse, or other specialist to review the results and determine if illegal drugs are indeed the guilty party.

    5. Beating Hair Drug Tests Is Impossible

    Now other smart individuals are finding ways and means to beat the hair drug tests. Some say one can pass it through a kind of shampoo, especially from companies that claim that their shampoo cleans off all the toxins in the hair, but they are wrong. These toxins are already part of the hair follicles structure, cleaning it will literally mean taking it all off. The hair is like a plant. If a plant grows in a toxic environment, it will absorb toxins and toxins will become part of its structure – no amount of shampoo will change that.

    As we cannot clean off toxins in the hair, can we mask it by bleach or dyeing ones hair? Maybe for a time, yes we can. But then, our skin is made up of fatty tissues. These fatty tissues are responsible for storing toxins in the body. When our body sweats, it gives off skin oil and release toxins, and these will be touched and be absorbed by the hair. Its like a cycle. The masked hair will then be contaminated once more.

    Others shave off their hair, but sad to say, toxins don’t leave the body anytime soon. If you are being kept in confinement, your hair will slowly grow back in, and your drug use history will come back for all to see with it.

    Statins, the New Wonder Drug?


    2010 - 08.11

    Statins are a group of medications used to decrease cholesterol in the body. This reduction is shown to prevent heart attacks and strokes. Recent research, however, is shedding a new light on the potential benefits of these drugs.

    In a study involving more than 50,000 patients, statins showed a benefit in patients with atherosclerotic disease, or hardening of the arteries. Not only do the medications lower cholesterol, they have favorable effects on the blood vessels, kidneys, and bone. Statins were shown to decrease blood clot formation and scientists are linking statins to a reduced risk for developing Alzheimers disease, prostate and colon cancer, bone fractures, macular degeneration, glaucoma, and osteoporosis.

    Statins may also be useful for treating multiple sclerosis, rheumatoid arthritis, and certain kidney diseases. The issue at stake here is; the scientists are not exactly sure how they work to combat these diseases. What they do know for sure is statins have a proven track record in preventing strokes and heart attacks.

    Researchers are speculating that cholesterol causes an increase of plaque buildup in the area of the brain damaged in Alzheimers disease. Six published studies show a decrease in dementia or Alzheimers disease in those patients using a statin. They summarize that the decrease in cholesterol reduces the damaging plaque buildup in the brain.

    The breast cancer studies have conflicting results with regards to cancer protection. Of the six published studies, four concluded no effect on beast cancer. One study showed a protective benefit but only after five years of taking the statin. Another study showed a large decrease in the risk of breast cancer in women over the age of 75.

    Five different studies, involving more that 75,000 people, showed that taking statins reduced fractures. In four different studies, statin use was associated with a lower risk of hip and nonspine fractures. Conversely, several studies have also shown that statins have no effect on bode density or reduction of fractures.

    Two studies looked at the effects statins have on the kidneys. Results show that the statins reduced the amount of protein in the urine. An excess amount of protein is released in the urine as a result of kidney damage. Another analysis showed a significant reduction in the loss of kidney function.

    Only one study has examined the benefits of statins on multiple sclerosis. At the conclusion of the research, those who received the statin had a significant reduction on multiple sclerosis markers compared to those who took a placebo.

    Statins have been used successfully for years and are well tolerated with few serious side effects. A rare but serious side effect presents itself with muscle pain and tenderness. Tell your doctor immediately if you are experiencing any unusual muscle soreness or weakness.

    It is still too soon to advise doctors to prescribe these medications for treating anything other than high cholesterol. The research is too conflicting and there are still too many unanswered questions. Researchers are currently examining how cholesterol adversely affects several different disease states. They are looking into whether the lowering of cholesterol has a positive effect or if the benefit is directly due to the statin.

    For more free information, free articles, and free newsletter, go to www.rxcostcutters.com

    Seven Tips to Maximize Savings on Prescriptions


    2010 - 08.05

    Seven ways to Reduce Prescription Costs

    1. There is a group called the Medicine Program that can help you find Pharmacies that participate in their program. Some of the discounts are significnt. Contact them to see if you fit in the program.

    P.O.Box 1089, Poplar Bluff MO 63902-1089 Phone: 866.694.3893 Fax: 573.778.1420 help@themedicineprogram.com themedicineprogram.com

    2. If you are a veteran, you should check to see what has changed. What was not available before could be available to you now.

    3. Contact “medcaresolutions.net” If you qualify for the free prescription programs, they will fill out your monthly paperwork for a small fee.

    4. Ask your Doctor for samples. Sometimes they have extras they can give away.

    5. Ask your Doctor if any patients have changed meds lately or if someone has passed away. Many times unused pills will be donated so they don’t go to waste.

    6. When traveling, take a copy of your prescriptions with you. A Canadian Doctor will need to see it to be able to write a prescription for you. You must have a current Canadian prescription to be able to buy from a Canadian Pharmacy.

    In Mexico most medications are over the counter, but there are some that require a written prescription. So just in case it is needed, bring a copy of your prescriptions with you.

    7. Have your medications delivered by mail from Canada. Canadian medications are identical to American medications, the savings can be substantial and there are a number of generics there that are not available State side. You can choose quick delivery (3 – 5 days) or somewhat slower delivery (10 – 14 days)

    Canadian Prescription delivery has grown very popular over the last few years and there are many reliable services available

    Rising Medical Cost Solution is Online Pharmacy


    2010 - 07.31

    Let us discuss about the present medical system in USA. Being ill, one must see a doctor for consultation after paying some fees. Then he will rush to the Medicine shops for medicine, which is the remedial treatment of his disease. If the disease is complicated that warrants stay at hospital and /or operation, he will be admitted to a hospital and can go home after recovery only after paying the bills of the hospital. In every case the bill is fat and some times go beyond the reach of ones capacity. People like me have studied and raised voice against such system.

    Cost of medical treatment is enormous in America, thanks to the systems developed here. There is an unholy nexus between the Insurance companies, doctors and medical Service providers, which has sky rocketed the medical treatment cost. The situation is so much grave that we have once read that 25% of Americans have no health insurance coverage.

    Because maintaining the insurance is also a high cost affair and may be beyond the reach of common Americans so much trapped with Credit Card Bills, rising unemployment or under employment or other problems.

    The high cost of medicine has led to the development of the On line Pharmacies. Every internet site is now flooded with advertisements of them trumpeting that they are the best and reliable.

    We are not very sure about the authenticity of these Online drugs.

    The On line pharmacies sell medicines without doctors prescription, more over, they offer Online Prescriptions recommending medicines, if any person asks for a particular disease.

    This probably helps the person get back the cost of medicines from the Insurance companies. Some times insurance companies refuse to pay the cost of such types of medicines.

    The tussle is still on. May be one day federal rule will be enacted so that insurance companies may be forced to pay the online medicine bills to the benefits of common Americans.
    The purchasing of medicines from a Discount Pharmacy is very common in the country, as you will get generic drugs at far low price than the Branded ones. So this system is here to stay.

    I cannot understand how a Discount Pharmacy can supply medicines with discount! Are they bulk purchase the unpackaged medicines from the manufacturers and package them in their workshop and sell as the generic drug of the branded ones?

    In one article I have read that people had to go to either Canada or Mexico to purchase branded drugs at cheap rate. Funny thing is that the medicine is manufactured in America, but cannot be sold at America with affordable price to common citizens, while importers in foreign countries can sale the drug with reduced price. So people residing near the border can cross the border and purchase it at reduced price! Such is the clutch of the Insurance companies in the USA.

    So long as this unholy nexus between the insurance companies, health service providers and doctors will last, On line Pharmacy will remain, in spite of propaganda against them.

    Because they are the only way to get the right medicines at right moment with or without a prescription with less price which common man can afford.

    I am not against the Medical Insurance companies. It is true if we share of risks of high cost of medical treatment among ourselves, nothing is better than this. But it does not mean, that cost of the medical treatment should be jacked up to give the business to the insurance companies so that people are compelled to take the coverage that too also with high premium.

    I think Government can do some thing in this respect. People below certain income level can be provided with free treatment or treatment with reduced cost if he is not properly covered under proper medical insurance. My article is getting lengthier. I will raise it again if opportunity comes.