Legal Drug 4

The quest for cheap health care products has led many customers to the doors of pharmacy shops based in Canada. While there has been some hue and cry in the United States over the safety issues pertaining to the drugs imported from Canada, many states of the US have already gone ahead and tied up with Canadian pharmacies licensed by Canadian provinces and governed by the laws and regulations of that country.

The justification given for such a move is to make health more affordable and to ensure that much needed drugs are made available to the customers. States like Wisconsin have already short listed pharmacies based in Canada to provide mail order drugs to people back home. The

short listing process included a visit to study the pharmacy’s facilities as well as the protocols used for filling prescriptions. The applicable Canadian laws were also studied to gain better insight into the measures adopted to ensure regulation of the industry and to discourage compromise on quality for commercial gains.

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Were you aware that you could get mail order prescription drugs of just about any type of without ever having to worry about whether or not they are legal? You see, in many cases it is legal to buy mail order prescription drugs from overseas vendors. With the ever increasing costs of prescription drugs in the United States, many people are ordering their drugs online from other countries. These are places where the drug companies do not have the ridiculous influence over government laws that they do here. It is a huge business for these foreign drug merchants.

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One of the greatest financial challenges faced by today s retirees is the rising cost of health care. Prescriptions, insurance premiums, doctor s office visits and hospital stays are all increasing more rapidly than inflation. Whether you re in your golden years or fast approaching them, you must take a serious look at how health care costs will affect your retirement nest egg.

The causes of rising health care costs are many. Today s population is living longer than ever. That s a good thing, but it does mean that our health care system is being stretched to handle the increasing load. New drugs and other treatments are continually coming on the market to address health care problems in

new ways. Preventive drugs are being prescribed than ever before.

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Starting in 2006, no plans that are qualified to work with a health savings account may cover prescription drugs as an insured benefit until after the deductible is met. So for HSA owners, one of your biggest health expenses could be for prescription drugs. Here are some ways to reduce those costs.

Generics

A report was published this week by Express Scripts Inc., a pharmacy benefit manager, indicating that increased use of generic drugs would save consumers $24 billion in 2005. Generic drugs cost an average of $60 less per month, than brand name drugs.

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Internet-based pharmacies operating out of Canada have gained much business in the last few years. The ease of availability and competitive pricing have lured many customers from the United States to Canadian online pharmacies. As of 2005, of the more than 7000 pharmacies based in Canada, almost 270 were said to be operating either completely from the Internet or were using a combination of conventional and distance dispensing methods - including net-based retail.

Most of these firms operate from Western Canada and the industry employs nearly 7000 people. While the statistics may not seem overwhelming, the number of customers catered to by these online drug stores is quite significant. Of the total sales of pharmaceutical products, mail order drugs

alone raked in upwards of $1 billion in sales in 2004. The online sites serve an estimated 2 million patients in the US including seniors and those without any insurance.

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