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kghospital · 2 months
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Guillain Barre Syndrome (GBS) - Best Neurology Hospital in Coimbatore
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arthritiscenterstl · 1 year
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Profits Over Patient Care
The Affordable Care Act was curated to improve access to health insurance, and it did. It reduced the number of Americans who were uninsured through the Medicaid expansion and the creation of the health insurance marketplaces. Unfortunately, what it did not do was protect people from rising out-of-pocket expenses in the form of deductibles, copays and coinsurance. PBMs (Pharmacy Benefit Managers) are putting their profits before your medications and health. " Insurers and their PBMs decide what medicines are covered, what medicines aren’t and what you pay for them. Regardless of what your doctors prescribed. Which leaves you fighting them for your medicines, instead of fighting your illness." states PHRMA For services like hospital stays and doctor visits, health plans routinely share the negotiated prices they receive with patients. When it comes to life saving medicines, that is not the case. Health insurers and pharmacy benefit managers have shifted more health care costs to patients through higher deductibles and coinsurance. Commercially insured patients with a deductible have seen their out-of-pocket costs for brand medicines increase 50% since 2014. Most drug companies offer patient assistance programs to help patients that are insured afford out of pocket costs associated with their insurance coverage for their medications or treatments. Unfortunately, health insurers and pbm's are using malicious tactics to deny patients the benefit of this assistance at the pharmacy. Out-of-pocket costs occur only if a person uses their insurance to obtain health care, we also consider the deductible when determining whether someone is underinsured. The deductible is an indicator of the financial protection that a health plan offers as well as the risk of incurring costs before a person gets health care. The average insurance deductible for employer health plans with single coverage is more than $1,000 ($1,434 for all covered workers in 2021), and it’s more than $2,000 ($2,825) for HealthCare.gov marketplace plans. Out-of-pocket maximums average $4,272 for single coverage in employer plans and range up to $8,700 in marketplace plans.
Commonwealth orchestrated a survey last year, between March and July where they interviewed 8,022 adults between ages 18-65. They considered a person underinsured if they experienced one of three circumstances:
Excluding health insurance premiums, an individual during the previous 12 months faced out-of-pocket health expenses amounting to at least 10% of the household’s income.
Out-of-pocket costs apart from premiums over the previous year were at least 5% of a household’s income for an individual whose income was under 200% of the federal poverty line (in 2022, that is $27,180 for an individual or $55,500 for a family of four).
The health plan’s deductible requirement constituted 5% or more of the household income.
The survey demonstrated that more than 40% of people who obtained individual plans for 2022, including those purchasing plans on the Affordable Care Act marketplaces, were underinsured as well as almost 30% of those whose healthcare is through their employer. To anyone that does not physically work in a medical field, insurance is pretty black and white. Unfortunately, that is not the case when it comes to insurance policies, there's a lot more gray that many people overlook. I was someone who did not understand the backside of insurance and would make the assumption that if my bill were too high, that doctor was charging too much.I didn't realize that the insurance companies had preferred medications, co insurance, and could enforce a medication be used for your treatment instead of the prescription your doctor suggested would work best for your treatment.
Originally intended to process claims on behalf of clients, PBMs profit at every stage of the supply chain from drug maker to patient. They are often called the “invisible middleman” because they are hidden between the patient’s insurance company, who the PBM works for, and the pharmacy, who the PBM reimburses for dispensing the prescription. Currently the three largest PBMs are Fortune 500 companies and control nearly 80% of the prescription benefits market in the United States. PBMs take the decision making out of the hands of doctors and their patients.
Barriers: Even if a doctor prescribes a medication, patients face barriers when trying to access that medication. That’s because a PBM may have a financial incentive to steer patients to other medications that are more profitable for the PBM but not in the best interest of the patient.
No Choice: PBMs pick medications that are allowed to be included on the list of prescription drugs covered by a prescription drug plan. This limits patients’ choice and incentivizes PBMs to place profits above patients.
PBM-Owned Pharmacies: PBMs require or financially steer patients to use the large pharmacies they own or have affiliations with rather than allowing patients to use their local pharmacy of choice.
Rebates: PBMs refuse to share rebates and discounts from pharmaceutical companies directly with patients at the pharmacy counter. Instead, they keep the savings for themselves. I would much rather my physician who is informed on my clinical background make the medical decisions, not some pharmacy benefit manager that hasn't spoken to me a day in my life. The fact that they have the ability to deny patients their prescribed medication due to formulary restrictions (that insurer doesn't have a contract with the drug manufacturer so they do not make as much money back.)
Prescription list prices are generally far above a pharmacy’s actual net acquisition cost. That’s because a pharmacy benefit manager (PBM) will not reimburse a pharmacy above the pharmacy's U&C list price. PBMs no longer simply negotiate drug prices on behalf of their clients, but rather fully administer the drug benefit creating formularies, making coverage decisions, and determining medical necessity with utilization management tools. "The PBM market is highly concentrated: three PBMs – Express Scripts, CVS Caremark and OptumRx – control more than 70 percent of the market.These three PBMs, by representing somany covered lives, have substantial bargaining power in their negotiations with drug manufacturers. Complicating the market concentration is the trend toward PBMs merging with health insurers, and how that could impact pharmacy networks available to patients. CVS-Aetna announced their proposed merger in December of 2017. The US Department of Justice (DOJ) has approved the CVS-Aetna merger, contingent on a federal court approving a settlement in which Aetna has agreed to divest its Medicare Part D prescription drug plan business. At the time this report was written, a federal court is reviewing that settlement. Cigna-Express Scripts announced their intention to combine in March of 2018. The Cigna-Express Scripts merger has been approved and is being consummated. Pertaining to PBM operations, the health insurers in these instances are trying to merge with the entity that is providing them with PBM and pharmacy services. Concerns have been raised by the AMA and others that the CVS-Aetna merger could substantially lessen competition in PBM services, health insurance, retail pharmacy, Medicare Part D, and specialty pharmacy." (CMS Rep. 5-A-19 -- page 2 of 10) “I don’t know why the hell they even exist,” said Sen. Jon Tester, D-Montana. “There is no transparency in PBMs. When you combine that with non-compete tactics, this is a recipe where the only people who win in healthcare costs are PBMs.” PBMs are the single biggest influence on the surging price of prescriptions.
Patients shouldn’t be denied access to life-saving medicines by PBMs or insurance companies – especially those medications prescribed by their doctor. PBM-negotiated savings should go to patients at the pharmacy counter to begin reducing out-of-pocket costs for the millions of Americans who need medication and face financial challenges. Business decisions shouldn’t come at the expense of our health. These patient principles establish a simple, straightforward way to emphasize transparency and build upon the clinician-patient relationship to achieve real savings.
There’s only one option: Let doctors and patients decide.
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officialmrmed · 3 years
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Before Buying Medicines Online!
Cheapest medicines online You did read it correctly. Online pharmacies can sell medicine at a lower cost because they can provide services to a large number of clients from one location. This saves them the overhead associated with running brick-and-mortar shops. Many times, international online pharmacies are able to sell drugs at a fraction of the cost of local ones. The price caps many countries place upon drugs help to lower the cost. Trusted Sources You should only order the cheapest medicines online from a verified and trusted source. You should ask for returns and cash on delivery from your service provider. When ordering online in India, ensure that it is legal approved by CDSCO. Avoid Illegal Medication Be careful not to buy illegal drugs or medicines online. A legitimate service provider will not list illegal medications on their website. It is against the law to do any of these: • You can purchase controlled substances without a prescription from a licensed doctor. This applies to all prescriptions containing narcotic painkillers or sedatives, stimulants, and anabolic steroids. • You should not purchase prescription drugs that haven't been CDSCO cleared, even though they are legal in the country where you purchased them. Verify Certification The Pharmacy Council of India certifies pharmacies. This is a sign that the pharmacy follows strict safety and quality standards. Always verify the pharmacy's certification with that of any associated websites. Don't buy medicines online from sites that don't require a prescription. Take Care You should immediately contact your doctor if you have any side effects or unfavorable reactions to a medication that was purchased online. Do not take medication that is cracked, chipped, or that has been mislabeled or mishandled. You can contact an online pharmacy to voice concerns about the appearance of medication before you take it. Disclaimer: This site contains information that is intended for educational purposes only. It is not meant to replace the medical treatment provided by a healthcare professional. The reader should consult their doctor to determine if the information is appropriate for them. How India’s online pharmacy market is regulated In the absence of clear regulations, online pharmacies currently operate as marketplaces and cater to patients as a platform for ordering medicines from sellers that adhere to the Drugs and Cosmetics Act and Rules of India.
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The month of October is marked as the breast cancer awareness month in countries across the world. The campaigns held across the world helps to increase attention and support to fight the cancer. http://www.qoo.ly/sebma #
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crohnicallyfab · 5 years
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Stelara Day! 💉 • So I know I’ve been saying that I didn’t think Stelara was working... well... apparently the Imuran + Stelara combo is working just fine. My colonoscopy last week showed zero signs of inflammation! 😦 AND all 13 biopsies came back negative for inflammation as well. • I wish I could say I was overjoyed with the news, but to be honest I was crushed because I still have so many symptoms! 😞 • My GI thinks she’s determined my symptoms are functional rather than inflammatory... which is just plain frustrating because... now what?!? 🤷🏻‍♀️ • We’re talking about adding in antispasmodics but in the mean time I’m experimenting with a full blown elimination diet where I’m only eating my known safe foods and nothing else. I’m on day 5 and feeling pretty good about it... other than I really miss coffee... 😴😴 • Hope everyone has a wonderful weekend! 🥰 . . . . . . #crohns #crohnie #crohnsdisease #crohnswarrior #crohnsawareness #crohnsandcolitis #friendswithcrohns #ibd #colitis #ibdawareness #ibdwarrior #spoonie #ibdsuperheroes #stelara #injectionday #janssen #specialtypharmacy #chronicillness #chronicillnessawareness #autoimmunedisease #autoimmune #invisibleillness https://www.instagram.com/p/B2Hj_ytgAOC/?igshid=1kxef5eeokson
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itshealthhealing · 5 years
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Pain Management Specialist
ASP Cares provides Pain Management patients with a comprehensive disease management plan that assists with medication access, drug information, and coordination of insurance benefits.
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garyh2628 · 4 years
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Value for the long term
https://theglobalstructurenetwork.com/f/value-for-the-long-term
#optimumhealth #healthyliving #functionalmedicine #healthandwellness #customizedrx #apothecaintegrativepharmacy #alternativegoodness #compoundingpharmacy #specialtypharmacy #apothecaph #integrativehealth #integrativemedicine #weekspregnant #health #optimumnutrition #nutrition #fitness #healthylifestyle #healthcoach #biohacking #covid #healthy #wellbeing #agceraglobaldistributor #liquidgold #anticancer #optimalresults #agcerasingapore #agceranutrition #itsnotadiet #mindset #antiinflammation #antiaging #beautysecreet #optaviahealthcoach #vitamins #healthyeating #meditation #mentalhealth #boostyourimmunesystem #herbs #vitality #minerals #optimumenergy #goals #preventcancer #reducerisk #heartdiesease #hearthealthy #hearthealth #weightlossmadesimple #bodygoals #saturatedfat #lesssalt #replenish #salt #detox #plantbased #cellularhealth
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tanyrnews · 8 years
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The LAST consulting call you will ever make! @tanyrnews 
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officialmrmed · 3 years
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Wellness Products
Modern life is anything but easy. Along with a lot of improvement and developments, there have been some setbacks as well. At the cost of superfast cars and material production, the environment has taken a hit. Along with this, stress and tension have put a lot of damaging effects on people's health. Pollution, unhealthy diet and lack of exercise have taken a toll on the quality of life of individuals. This has led to an increase in diseases and disorders as well. However, human beings are a resilient bunch. We have come up with exercises, diets, treatment plans, etc. to curb the damaging effects of the aforementioned things. Wellness products are one such advent of human adaptation.
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It is difficult to define wellness since it is more of a concept than a state. Wellness is primarily about being in good physical and mental health. Not only is it, simply the absence of illness or stress, but a broad practice of internal and external behaviours even when experiencing challenges. Wellness can be supplemented by a lot of natural produce apart from taking medications and eating healthy. Ayurveda, an ancient Indian medical system, believes in the practice of improving wellness by taking the gifts of Mother Earth, adding human knowledge to it and producing a final result that is extremely beneficial and acts as an accessory to wellness. Wellness products are those, that are intended to maintain or encourage a normal state of health or a healthy activity. Their intended use relates to the role of a healthy lifestyle by helping to reduce the risk or impact of certain chronic diseases or conditions. Thus, wellness products can become a part of your life to ensure that even when you are free of diseases, you are not unhealthy. Medications created from natural ingredients fall under wellness products. Health drinks, medicated skincare and hair care products and edible health supplements are also some examples of the same.
 MrMed, an online super speciality pharmacy hosts a range of options of wellness products. Apart from having speciality and imported medicines that cater to rare, chronic and urgent disorders, they have a variety of products from leading brands like Retona, Sigamin, Carboload, etc. You can find flavoured and unflavoured food and dietary supplements, health supplements and vitamins. Get your essential amino acids, proteolytic enzymes and more from MrMed. They also house collagen repair products and medicated anti-dandruff hair care products. Often, there are certain wellness products that are extremely essential for you but you cannot find them in your local stores. MeMed is there to save you in times like these. With amazing discounts and trusted brands, you can order your choice of goods while sitting at your home, and they will be delivered to your doorstep! Forget the woes of going from shop to shop to find what you want.
 Wellness is hard to maintain. And that is exactly why you should get all the help you desire. MrMed is here at your service.
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If present trend continues, 1 in 3 Americans will develop diabetes in their lifetime. http://www.qoo.ly/tdhh8
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wellbeyondhiv-blog · 8 years
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Having the proper resources to manage your health is key to living Well Beyond HIV. Learn more about Walgreens Specialty Pharmacy from Rae Lewis Thornton here.
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Our Website
Visit www.fosrx.com to get better acquainted with us, and join the Factor One Source Family by letting us fill your specialty pharmacy subscription. We pay attention to the all the nitty-gritty details so that your life can be smooth sailing. 
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itshealthhealing · 5 years
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Hiv Treatment At ASPCares
At ASP Cares, we understand the diagnosis of Human Immunodeficiency Virus (HIV) can be a very difficult time in life. One that brings fear, questions, and constant thoughts of the unknown
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garyh2628 · 4 years
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You go to war with the army you have
https://theglobalstructurenetwork.com/f/you-go-to-war-with-the-army-you-have
#optimumhealth #healthyliving #functionalmedicine #healthandwellness #customizedrx #apothecaintegrativepharmacy #alternativegoodness #compoundingpharmacy #specialtypharmacy #apothecaph #integrativehealth #integrativemedicine #weekspregnant #health #optimumnutrition #nutrition #fitness #healthylifestyle #healthcoach #biohacking #covid #healthy #wellbeing #agceraglobaldistributor #liquidgold #anticancer #optimalresults #agcerasingapore #agceranutrition #itsnotadiet #mindset #antiinflammation #antiaging #beautysecreet #optaviahealthcoach #vitamins #healthyeating #meditation #mentalhealth #boostyourimmunesystem #herbs #vitality #minerals #optimumenergy #goals #preventcancer #reducerisk #heartdiesease #hearthealthy #hearthealth #weightlossmadesimple #bodygoals #saturatedfat #lesssalt #replenish #salt #detox #plantbased #cellularhealth
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tanyrnews · 8 years
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Viva Las Vegas!
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TANYR Healthcare Solutions will be Exhibiting at the Armada Specialty Pharmacy Summit May 2nd-6th at the Wynn and Encore in Las Vegas!  We invite you to come by Booth # 231 to learn more about how TANYR can partner with you to provide revenue cycle solutions that get results!
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It’s Arthritis Day Raise the awareness and keep the world moving for people suffering from Arthritis.
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