Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts

April 24, 2009

The Facts of Therapeutic Substitution

There currently are pharmacies that are practicing therapeutic substitution when it comes to filling prescription medications. Therapeutic substitution happens when a drug that is considered to be therapeutically equivalent to a second drug, even though it might not be chemically equivalent to the prescribed drug, is given to the person filling the prescription without their permission or acknowledgment. That means that a pharmacy can change your prescribed medication to a different one without asking for your permission or letting you know beforehand. It can happen due to costs to the insurer, changes in insurance coverage, new drugs on the market that can treat the same condition, a medication is no longer covered by the insurance company, when your doctor wants you to switch to a drug that might be more effective, and when another drug is available at a lower cost. Pharmacies can also do a substitution if the drug you are prescribed is not on the pre-approved list that insurance will cover.

There are negative sides to therapeutic substitution because the new drug might not work as well or might differently that the one originally prescribed. It could have side effects that you are not aware of or might have a negative interaction with other prescriptions that you make take. The new drug might have a dosing schedule that could be inconvenient for you.

It is recommended to check the label of your medication after it is filled to make sure that it is the one that was originally prescribed. If you have questions or feel unsure about something, don't feel afraid to talk to your pharmacist.

May 8, 2008

Companies Charging Workers For Bad Habits

An increasing number of companies are charging their employees for having bad habits, such as smoking, eating excessively, and not exercising. Some people say that these types of programs violate a worker’s privacy and make group health plans too similar to individual insurance. At the same time, these programs force some people to take notice and be more aware of their bad habits that may affect their health.

January 19, 2008

Medicare Won’t Pay for Hospital Errors

It is reported that in a policy change, the Bush administration officials say that from now on Medicare will no longer pay the extra costs of treating preventable errors, injuries, and infections that happen in hospitals. That includes bedsores, pressure ulcers, injuries caused by falls, and infections resulting from the prolonged use of catheters in blood vessels or the bladder. They also plan not to pay for things like leaving a sponge or other object in a patient during surgery and giving a patient incompatible blood or blood products. Private insurers are thinking about making the same changes. It suppose to force hospitals to be more careful about the care of their patients and save millions of dollars.