prescriptions http://www.wisebread.com/taxonomy/term/2045/all en-US 9 Ways to Save on Prescriptions http://www.wisebread.com/9-ways-to-save-on-prescriptions <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-ways-to-save-on-prescriptions" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/pills_and_money_000041523616.jpg" alt="Learning how to save money on prescriptions" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you look at the hard facts on prescription drug use in the U.S., almost half of Americans are taking <a href="http://www.cdc.gov/nchs/fastats/drug-use-therapeutic.htm">one pill a day</a>, while 10% of the population pops a staggering five or more pills daily. Meanwhile, <a href="http://www.wisebread.com/4-ways-to-get-cheaper-health-insurance">health care costs</a> continue to rise.</p> <p>So, what can you do to cut the costs of your prescription drugs? Here are nine ways to slash the bills and save money on your medicines.</p> <h2>1. Double the Dosage</h2> <p>Asking your doctor for a higher dosage can turn a 90-day supply into a 180-day stash. It does involve a little extra work on your part, and you'll need to invest in a pill splitter to do the job properly. (These are usually under $10.) However, you must make sure that you can safely and effectively split the pill. The simplest way to check is to look for the line down the center. If it has that, it is designed to be split. Capsules absolutely will not work, so don't ask.</p> <h2>2. Get Generic Whenever You Can</h2> <p>Some people are sticklers for buying brand names, and in some cases they have every right to be. From foods and electronics, to jewelry and shoes, name brands are often more favorable. But when it comes to prescription drugs, it makes little sense to pay for a brand name when a generic is available. As MedicineNet.com explains, &quot;<a href="http://www.medicinenet.com/script/main/art.asp?articlekey=46204">Generic drugs</a> are copies of brand-name drugs that have exactly the same dosage, intended use, effects,&nbsp;<a href="http://www.medicinenet.com/script/main/art.asp?articlekey=5489">side effects</a>, route of administration, risks, safety, and strength as the original drug. In other words, their pharmacological effects are exactly the same as those of their brand-name counterparts.&quot;</p> <p>As you don't wear prescription drugs, or taste any difference, there is no reason to pay extra for a brand name. The only exception, of course, is if the generic version of the drug is not yet available. In that case, you really do have to pay through the nose.</p> <h2>3. Ask Your Doctor for Alternatives</h2> <p>When your doctor fills out a prescription, make sure and ask about alternatives to the medication they have recommended. There may be several different types of medication that will do the job, but some could differ vastly in price &mdash; especially if one is available as a generic, and the other one isn't. Don't leave the doctor's office until you know that you have options to work with. The difference could be hundreds of dollars a year.</p> <h2>4. Use a Discount Program</h2> <p>There are many different discount programs available nationwide, for people with and without health insurance. Many stores and pharmacies have discount and loyalty programs that you should definitely take advantage of, and they're usually free to join. There are also other ways to save, such as the <a href="http://www.nacorx.org/">NACo Program</a>, <a href="http://familywize.org/">Familywize</a>, and special savings for seniors from the <a href="http://www.aarphealthcare.com/health-discounts/prescription-discounts.html">AARP</a>.</p> <h2>5. Order in Bulk</h2> <p>One of the best ways to save money on your regular prescriptions (those you take month after month, year after year) is to buy in bulk and take advantage of big savings. For instance, Cigna's online pharmacy <a href="https://teldrug.healthcare.cigna.com/healthcare/teldrug/app/public/welcome.do">Tel-Drug</a> is a very handy resource that can save you a lot of money. Most of the 90-day supplies are charged at a 60-day supply rate, saving you 33% every time you place an order. Shipping is usually free, unless you need the drugs at a rush speed.</p> <h2>6. Use Coupons</h2> <p>There are coupons for almost everything these days, and prescription drugs are no exception. You will find coupons at your doctor's office, the weekly circulars, and of course, online. Do not underestimate the efficacy of these coupons; although some are for only a few dollars, they can add up over the course of the year. And if you take multiple prescription drugs, the savings can really start to snowball.</p> <h2>7. Get Samples</h2> <p>This is a tricky one. On the one hand, samples are great because they're free. However, samples are also readily handed out by doctors as a way to get you started on a brand new drug that you may, or may not, want to take. It's common practice for drug companies to slightly change the formulation of a drug that is about to go generic, give it a new name, and charge a brand fee. But, they will give out free samples to get people to try it. So, talk to your doctor about the differences between the new drug, and the one that's similar (or almost identical) at a fraction of the cost. However, if you plan on taking that pill, the samples can sometimes add up to weeks, or even months, of free drugs.</p> <h2>8. Look Into &quot;Extra Help&quot;</h2> <p>If you are a Medicare beneficiary, you should definitely look into the government's <a href="http://ssa.gov/medicare/prescriptionhelp/">Extra Help</a> program. Applicants who qualify can look forward to around $4,000 of assistance every year, but you must fall below a certain income threshold, have limited resources, and reside in one of the 50 states or the District of Columbia. If you do qualify, it could be of enormous help.</p> <h2>9. Finally, You Could Try Canada, But&hellip;</h2> <p><a href="http://www.peoplespharmacy.com/2015/02/02/is-it-illegal-to-get-your-prescriptions-from-canada/">It's illegal</a>. For the moment. Yes, although it can save you a lot of money, buying any kind of prescription drugs from a pharmacy outside of the United States is against federal law. However, Congress is considering new legislation to allow Americans with valid prescriptions to purchase their medications from licensed Canadian pharmacies. Of course, this could all depend on the power and persuasion, not to mention the vast amount of money, that lobbyists for the U.S. drug companies will bring to the table.</p> <p><em>How do you control the cost of prescription drugs?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/9-ways-to-save-on-prescriptions">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-gadget-that-can-save-you-thousands-of-dollars">The $5 Gadget That Can Save You Thousands of Dollars</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-cheapest-place-to-buy-generic-drugs">The Cheapest Place to Buy Generic Drugs</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cost-comparison-emergency-rooms-vs-urgent-care">Cost Comparison: Emergency Rooms vs. Urgent Care Centers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-places-to-get-vaccinated-for-cheap-or-free">7 Places to Get Vaccinated for Cheap or Free</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-times-to-consider-declining-your-employers-health-coverage">3 Times to Consider Declining Your Employer&#039;s Health Coverage</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty doctors healthcare medication pharmacy pills prescriptions Mon, 07 Sep 2015 13:00:31 +0000 Paul Michael 1545801 at http://www.wisebread.com The Cheapest Place to Buy Generic Drugs http://www.wisebread.com/the-cheapest-place-to-buy-generic-drugs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-cheapest-place-to-buy-generic-drugs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2457789657_0c8fa02717_z.jpg" alt="prescription" title="prescription" class="imagecache imagecache-250w" width="250" height="197" /></a> </div> </div> </div> <p>If you've been buying generic medicine at a major convenience store, you might want to explore other options.</p> <p><a href="http://www.savvysugar.com/How-Live-Chemical-Free-26294537">RELATED:&nbsp;How to Live Chemical-Free</a></p> <p>A recent <a target="_blank" href="http://www.consumerreports.org/cro/magazine/2013/05/same-generic-drug-many-prices/index.htm">Consumer Reports survey</a> revealed people can pay up to 447% or $749 more on generic medicine at the highest-priced pharmacy, compared to the lowest. Costco had the cheapest prices, while CVS, Rite Aid, and Target had the most expensive prices for generic drugs.</p> <p>The reason why generic drugs are priced so low in Costco is that the discount chain relies on the lower prices to attract customers who will shop for other goods, while stores like CVS and Rite Aid depend on the pharmacy as their main source of income, Stephen W. Schondelmeyer, Ph.D., Pharm.D., a professor of pharmacy economics at the University of Minnesota, tells <b>Consumer Reports</b>.</p> <p>Read on for the breakdown of the lowest- to highest-priced stores.</p> <p>Here is the list of stores ranked in order of the lowest to highest prices, according to the consumer watchdog:</p> <ol> <li>Costco</li> <li>HealthWarehouse.com</li> <li>Familymeds.com</li> <li>Sam's Club</li> <li>Independent pharmacies</li> <li>Kmart</li> <li>Walmart</li> <li>Walgreens</li> <li>Grocery stores</li> <li>Target</li> <li>Rite Aid</li> <li>CVS</li> </ol> <p>Of course, if you have insurance that will cover the cost of the drugs, the price difference may not be that much between the stores. But that might not always be the case, so be sure to comparison shop before you make the purchase. Sometimes the cost of buying a generic medicine out of pocket at Costco may be lower than your insurance copay, according to some redditors <a target="_blank" href="http://www.reddit.com/r/Frugal/comments/1bleik/cvs_charges_133_more_than_costco_for_generic_drug/">in a thread</a> discussing the study.</p> <p>If you are paying out of pocket, it only makes sense to shop at the store that provides the lowest prices. The amount you can save buying medicine can be quite hefty. Shoppers in the study found that a generic Lipitor at Costco costs around $17, while CVS would sell it for $150.</p> <p>And don't forget to also ask for a better price. The consumer magazine says:</p> <blockquote><p>Our analysis showed that shoppers didn't always receive the lowest available price when they called the pharmacy. Sometimes they were given a discounted price, and other times they were quoted the list price. Be sure to explain&mdash;whether you have insurance or not&mdash;that you want the lowest possible price. Our shoppers found that student and senior discounts may also apply, but again, you have to ask.</p> </blockquote> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Are you paying an extreme markup on your generic prescription? Check out this list to find out. </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p style="text-align:center;"><a href="http://www.savvysugar.com" style="border:none;"><img width="300" height="95" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u921/POPSUGARrgb.jpg" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>POPSUGAR Smart Living</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.savvysugar.com/Who-Help-My-Medical-Claim-Denied-18288157">Who Will&nbsp;Help If My&nbsp;Medical Claim&nbsp;Is Denied?</a></li> <li><a href="http://www.savvysugar.com/Insurance-Policies-Arent-Worth-19090574">7 Insurance Policies You&nbsp;Can Live Without</a></li> <li><a href="http://www.savvysugar.com/Difference-Between-HMO-PPO-20771362">The Difference Between an HMO&nbsp;and a PPO</a></li> </ul> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/the-cheapest-place-to-buy-generic-drugs">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-to-save-on-prescriptions">9 Ways to Save on Prescriptions</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-gadget-that-can-save-you-thousands-of-dollars">The $5 Gadget That Can Save You Thousands of Dollars</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/generic-drug-price-lists-for-six-major-pharmacies">Generic Drug Price Lists For Six Major Pharmacies - Updated</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/free-prescription-drugs-for-those-who-qualify">Free Prescription Drugs for Those Who Qualify</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-cheap-treatments-for-year-round-allergies">7 Cheap Treatments for Year-Round Allergies</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty drugstore generic drugs pharmacy prescriptions Tue, 09 Apr 2013 09:36:44 +0000 POPSUGAR Smart Living 973341 at http://www.wisebread.com 10 Refillable Things That Will Save You Cash http://www.wisebread.com/10-refillable-things-that-will-save-you-cash <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-refillable-things-that-will-save-you-cash" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/3972748155_f3a255fb19_z.jpg" alt="water bottle" title="water bottle" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Instead of buying container after container for commonly used items, buy one and use it over and over again by refilling it. Here are 10 refillable items that can save you money.</p> <h2>1. Water Bottles</h2> <p>This is a no brainer. Bottled water is expensive and bad for the environment. Stop picking up a new bottle at the convenience store every time you&rsquo;re thirsty, and start packing a refillable bottle in your bag or leave one in your car. If you can&rsquo;t decide which water bottle is best for you, perhaps my post on <a href="http://www.wisebread.com/the-best-eco-friendly-water-bottles">eco-friendly water bottles</a> will help. (See also: <a href="http://www.wisebread.com/25-things-to-do-with-reusable-water-bottles">25 Things to&nbsp;Do With&nbsp;Reusable Water Bottles</a>)</p> <h2>2. Lighters</h2> <p>OK, so you may not use a lighter on a regular basis &mdash; unless you&rsquo;re a smoker &mdash; but it&rsquo;s still cost efficient to buy a refillable lighter instead of a disposable one, even if you&rsquo;re just keeping them around the house for emergencies. Bic makes refillable lighters, but I personally recommend Zippos because of the cap that keeps the wick dry and protected. Zippos are also much easier to light, and the flame is easier to maintain than plastic lighter, too.&nbsp;</p> <h2>3. K-Cups</h2> <p>After years of stocking my guest bedroom with disposable K-Cups, I finally broke down and bought two refillable K-Cups from Groupon recently. I paid $16 for the pair, and I picked up a pound of coffee at Home Goods for $6. Those initial investments alone saved me about $10 off the price I would normally pay for a box of 48 disposable K-Cups. I expect that a pound of coffee will produce a similar amount of single cups of coffee. Next time I&rsquo;ll save even more money because I&rsquo;ll only have to buy the $6 coffee.&nbsp;</p> <h2>4. Printer Cartridges</h2> <p>Anyone with a home office knows that one of the most expensive items to keep it up and running is printer ink. The cartridges I use cost about $35 brand new for the black and colored ink bundle. Instead of buying them new every time, however, I have them refilled for about $13 each. Each time I have them refilled, I save about $9 &mdash; and then I treat myself to lunch for being such a wise guy.</p> <h2>5. Pens</h2> <p><a href="http://www.wisebread.com/choosing-a-luxury-eccentricity">Ink pens</a> aren&rsquo;t terribly expensive individually, but if you&rsquo;re constantly buying new pens, the cost can add up. A pack of 12 disposable pens can run anywhere from $4 to $20, while refillable pens cost in the area of $28. A two-pack of refills for the latter is between $2 and $4. If you use a lot of ink, it&rsquo;s a wiser investment (for your wallet and the planet) to pick up the refillable kind. Or you just do what I do, and get your pens for free by taking them from wherever they&rsquo;re handing them out.</p> <h2>6. Mechanical Pencils</h2> <p>Does anyone use pencils anymore? I suppose kids do, but I haven&rsquo;t picked up a pencil in years. A pack of 12 store-brand disposable pencils from Office Depot cost $1.49, while a Paper Mate Mega Lead mechanical pencil costs $3.24 and comes with 12 lead refills. Separately, the refills are only $2.29 for a pack of 36 leads. The numbers speak for themselves.</p> <h2>7. Soap Dispenser</h2> <p>Instead of buying a new, pre-filled soap dispenser from Target every time the ones in my bathroom or kitchen run out (which is often &mdash; I wash my hands A LOT), I buy a single dispenser and purchase a gallon jug of hand soap at BJ&rsquo;s that I use to fill the dispensers when they&rsquo;re empty. One jug lasts me for the better part of a year.</p> <h2>8. Prescriptions</h2> <p>I learned a new trick recently while researching information for another article &mdash; when you ask your doctor for a prescription, have him prescribe pills that contain double the dose of your medication. The prescription will cost the same as the single dose pills (or close to it), but when you get home you can split the pills in half so they last twice as long. Fewer trips to the pharmacy and more money in my pocket is music to my ears.</p> <h2>9. Travel Mugs</h2> <p>If you&rsquo;re a Starbucks junky without a travel mug, your carbon footprint is through the roof. So. Many. Wasted. Cups. Tread a little lighter with a reusable, refillable travel mug. <a href="http://www.keepcup.com/">KeepCups</a> are my favorite. Plus, to make each day even brighter, Starbucks will discount your morning Joe for doing your part to save the planet. Win-win.</p> <h2>10. Gift Cards</h2> <p>Nobody is refilling their own gift cards &mdash; when mine is empty, I simply recycle the plastic &mdash; but refillable <a href="http://www.wisebread.com/why-i-love-gift-cards-5-reasons-gift-cards-make-perfect-holiday-gifts">gift cards are a great idea for parents</a>. Parents can give their kids the cards &mdash; for iTunes, their favorite clothing store, or the local cinema &mdash; in lieu of cash or credit cards. Refillable gift cards can also be used as a rewards or incentive program at home; when the kid does something helpful, you can surprise him or her with a deposit on the card.</p> <p><i>Do you have other refillable items to suggest that will help us save money? Let me know in the comments below.</i></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/10-refillable-things-that-will-save-you-cash">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-eco-friendly-water-bottles">The Best Eco-Friendly Water Bottles</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-creative-uses-for-stale-cereal">5 Creative Uses for Stale Cereal</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/soy-milk-tofu-and-veggie-burgers-for-pennies-anyone">Soy Milk, Tofu, and Veggie Burgers for pennies, anyone?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/trade-versus-localization">Trade versus localization</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-avoid-putting-on-recession-pounds">How to Avoid Putting on Recession Pounds</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Green Living Lifestyle coffee pens prescriptions reusable soap water bottles Mon, 18 Jun 2012 10:24:08 +0000 Mikey Rox 935138 at http://www.wisebread.com The $5 Gadget That Can Save You Thousands of Dollars http://www.wisebread.com/the-5-gadget-that-can-save-you-thousands-of-dollars <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-gadget-that-can-save-you-thousands-of-dollars" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/31XKNN4RYGL._SL500_AA280_.jpg" alt="Pill splitter" title="Pill splitter" class="imagecache imagecache-250w" width="250" height="250" /></a> </div> </div> </div> <p>Economically, times are still tough. And with healthcare being at the top of a long list of concerns about money, anyone taking medication should invest in a small gadget that can literally save you a small fortune every year. The gadget in question&hellip;a simple pill splitter.</p> <p>Recently I changed jobs and with the change came a rise in my healthcare costs, particularly for medication that I have to take. But never one to just accept the change and pay the extra price, I looked at my options.</p> <p>I wondered&hellip;could I just split a higher dose of the medication in half and get 60 days out of a 30-day supply? After all, when I was weaning myself off a medication a few years ago, my doctor instructed me to cut my pills in half. But instead of going down to a lower dosage, I could request a bigger dosage and simply chop it in half. Double the pills, half the price.</p> <p>The overall cost would be the same as before my insurance costs went up (actually, a tiny bit cheaper) and I&rsquo;d only have to pick up my meds once every two months.</p> <p>It couldn&rsquo;t be that easy, could it?</p> <p>Well, it turns out it really was that easy for me. I take a medication that can be safely cut in half and therefore it was the perfect option for me (more on that in a second). A medication with a $50 monthly co-pay becomes a $25 co-pay. That adds up to a healthy $300 per year savings. If I&rsquo;m on this for the rest of my life (I sure hope not) it would save me thousands and thousands of dollars.</p> <p>But even if it&rsquo;s just for another 3-4 years, that&rsquo;s still a savings of at least $1200 on what is basically the same medication. All it takes is a $4.99 pill splitter from your local drug store, or <a href="http://www.amazon.com/gp/product/B000J195YM?ie=UTF8&amp;tag=wisebread07-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000J195YM">Amazon</a> if you prefer.</p> <p>If you take more than one medication per year, you can see how the savings start to add up quickly, especially if you have no insurance whatsoever. Some of these drugs cost hundreds of dollars per month, and if you can chop that in half, you&rsquo;re getting amazing savings.</p> <p><strong>So, are there any pills you can&rsquo;t split?</strong></p> <p>YES. This is a major aspect of pill splitting that you need to be aware of. Some drugs can be split safely with no problems at all (often, the pill will have a small groove down the center to facilitate the splitting process). Others CANNOT be split, as this could cause serious side effects. There are four main types of pills that can&rsquo;t be spilt safely, as noted by <a href="http://healthinsurance.about.com/od/prescriptiondrugs/a/splitting_pills.htm">About.com:Health Insurance</a></p> <blockquote><p><strong>Capsules</strong></p> <p>Capsules may contain a liquid, powder, or tiny pellets. If the capsule is split, the medication inside may spill and be impossible to divide evenly.</p> <p><strong>Extended-release medications</strong></p> <p>Extended-release, or long-acting medications, have coatings or ingredients that control how fast the drug is released from the pill. Splitting these tablets can destroy substances in the coating. This may result in too much of the drug being released at one time, which may cause dangerous side effects, or too little being released, which may cause your health condition to be poorly controlled.</p> <p><strong>Enteric-coated medications</strong></p> <p>Enteric-coated pills have a special coating to prevent the release of medication into your stomach. This is designed either to protect your stomach from the drug or to prevent the drug from being destroyed by the acids in your stomach.</p> <p><strong>Medications that require an exact dose</strong></p> <p>Some medications require that you get exactly the same dose each time you take it. Even very small deviations can cause problems. Cutting these pills could result in a dose that is too low to be helpful or a dose that is dangerously high. A good example of this is Coumadin (warfarin), a powerful blood thinner, which can cause excessive bleeding if you take too much, or allow blood clots to form if you take too little. Coumadin (warfarin) requires very accurate dosing and even a very slight difference in the cut halves can put you at risk for dangerous bleeding or clotting.</p> </blockquote> <p>So as you can see, if you don't check with your doctor first about pill-splitting, you could put your health in danger. Please, make an appointment to discuss your options, your GP will almost always be happy to help you save money and stay healthy.</p> <p>Even the insurance companies are getting in on this, with some now <a href="http://www.encyclopedia.com/doc/1P2-1628474.html">offering co-pay discounts for splitting your meds</a>. That's a saving on top of a saving.</p> <p>Bottom line, this is a safe and simple way to save yourself big bucks. If you're on a medication right now that can be doubled and split, you'll instantly cut the price of that medication in half. <a href="http://www.amazon.com/gp/product/B000J195YM?ie=UTF8&amp;tag=wisebread07-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000J195YM">And all it takes a $5 gadget</a>.</p> <p><strong>Further reading:</strong></p> <ul> <li><a href="http://www.denverpost.com/breakingnews/ci_12079731">Cut pills split insurers</a></li> <li><a href="http://www.webmd.com/a-to-z-guides/features/pill-splitting-when-is-it-safe-when-is-it-unsafe">Pill Splitting: When Is It Safe? When Is It Unsafe?</a></li> <li><a href="http://www.healthyplace.com/depression/antidepressants/divide-over-pill-splitting/menu-id-68/">The Divide Over Pill-Splitting</a></li> </ul> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/the-5-gadget-that-can-save-you-thousands-of-dollars">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-to-save-on-prescriptions">9 Ways to Save on Prescriptions</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/free-prescription-drugs-for-those-who-qualify">Free Prescription Drugs for Those Who Qualify</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-cheapest-place-to-buy-generic-drugs">The Cheapest Place to Buy Generic Drugs</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/making-money-from-clinical-trials-worth-the-risk">Making Money From Clinical Trials: Worth the Risk?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/generic-drug-price-lists-for-six-major-pharmacies">Generic Drug Price Lists For Six Major Pharmacies - Updated</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty benefits doctor drugs healhcare medication pharmacy prescriptions Wed, 27 Jan 2010 17:00:03 +0000 Paul Michael 4889 at http://www.wisebread.com 5 Places to Check out Medical Care for the Uninsured http://www.wisebread.com/5-places-to-check-out-medical-care-for-the-uninsured <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-places-to-check-out-medical-care-for-the-uninsured" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/stethoscope_0.jpg" alt="stethoscope" title="stethoscope" class="imagecache imagecache-250w" width="250" height="125" /></a> </div> </div> </div> <p> <meta http-equiv="CONTENT-TYPE" content="text/html; charset=utf-8" /><br /> <title></title><br /> <meta name="GENERATOR" content="OpenOffice.org 3.0 (Win32)" /></p> <style type="text/css"> <!-- @page { margin: 0.79in } P { margin-bottom: 0.08in } --><!-- @page { margin: 0.79in } P { margin-bottom: 0.08in } --> </style></p> <p style="margin-bottom: 0in;">With job loss on the rise and many people who can not afford medical insurance on their own, yet don't qualify for state or federal assistance, there are many who will skip medical treatment to save money. Your health is certainly not something you can take likely.</p> <p style="margin-bottom: 0in;"><em><strong>Here are 5 places you can check out when you need medical help but don't have the insurance to cover it:</strong></em></p> <p style="margin-bottom: 0in;"><strong>Your Family Doctor</strong></p> <p style="margin-bottom: 0in;">Many individuals do not realize it but you can still see your family physician without insurance and be able to afford it. It may take some gumption but approach your doctor about a reduction in rates for services because you are willing to pay cash. Many doctors are happy to work with you because they will likely get more money and get it in a faster time period than when having to deal with insurance or Medicare.</p> <p style="margin-bottom: 0in;"><strong>Health Care Centers </strong></p> <p style="margin-bottom: 0in;">These are not the &ldquo;free clinics&rdquo; you might have in your community but there are health care centers regulated and sponsored by the federal government. These centers provide primary, preventative and dental services to people of all ages, based on a sliding payment scale. This means you pay for services based on how much income you make. Check out <a href="http://findahealthcenter.hrsa.gov/">findahealthcenter.hrsa.gov</a> to find a center in your area.</p> <p style="margin-bottom: 0in;"><strong>Planned Parenthood</strong></p> <p style="margin-bottom: 0in;">Because Planned Parenthood centers often receive state funding and public donations, the fees for services may be even lower than normal, but you will typically you'll be charged what you can afford, based on your income. Women can receive family planning services, plus other treatment and testing for STD's, pap tests, breast exams, and birth control for little or no cost. Be sure to call first to discuss your finances if you do not have insurance. You'll be able to get a ball park figure for how much it will cost prior to going to your appointment. <strong>**&nbsp;UPDATE: An astute reader pointed out that PP is not only for women and men are welcome to be sure their reproductive and overall health is on track.**</strong></p> <p style="margin-bottom: 0in;"><strong>Convenience Clinics</strong></p> <p style="margin-bottom: 0in;">These are the walk-in health centers located in major retail shopping chains such as pharmacies and Walmart. Typically, these clinics are staffed by RN practitioners and physician's assistants who can treat and prescribe medications for general colds, flu, and infections. They can also help treat and do preventative check-ups for conditions such as diabetes and high blood pressure. The costs will vary from clinic to clinic and depends on your illness or treatment plan. Some places will offer &ldquo;a la carte&rdquo; services and some will charge a &ldquo;flat-rate fee&rdquo; for services rendered.</p> <p style="margin-bottom: 0in;"><strong>Free Screenings</strong></p> <p style="margin-bottom: 0in;">Many community groups, civic organizations, and local hospitals will offer regular free clinics for specific screenings of disease such as cancer, diabetes, heart problems, high blood pressure, and other conditions. Check in your local news paper or group newsletter to see what is coming up in you area and take advantage of the free (or at least discounted) health services. Early detection of many diseases can certainly save your life.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tisha-tolar">Tisha Tolar</a> of <a href="http://www.wisebread.com/5-places-to-check-out-medical-care-for-the-uninsured">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-go-from-two-incomes-to-one">How to Go From Two Incomes to One</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-your-emergency-fund-costing-you-money">Is Your Emergency Fund Costing You Money?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/put-together-an-advance-directive-in-an-afternoon">Put Together an Advance Directive in an Afternoon</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-online-tools-to-manage-your-money-in-under-10-minutes-a-week">5 Online Tools to Manage Your Money in Under 10 Minutes a Week</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-3-best-pieces-of-financial-wisdom-from-oprah-winfrey">The 3 Best Pieces of Financial Wisdom From Oprah Winfrey</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance health care job loss medical care prescriptions uninsured Tue, 28 Apr 2009 01:45:11 +0000 Tisha Tolar 3091 at http://www.wisebread.com