It pays to "shop around" - Prices can vary from one pharmacy to another. However, instead of filling your medicines at a number of different pharmacies on basis of lowest price or when you find a bargain price, ask if your regular store will match it. It's best to buy your medicines at a pharmacy that keeps track of everything you're taking, allowing pharmacist to warn you about potentially harmful medicine interactions.

Pay Attention to Quantity - Find out how much medication you really may need, and make sure your doctor doesn't order you more medicine than is necessary to treat your condition. In addition, make sure you understand exactly what it is meant to do and for how long. If you are prescribed two drugs for same symptom, ask if you really need both.

Look into prescription medicine discount programs from manufacturers - Most pharmaceutical companies have programs that provide medicines at little cost or offer discounts on their medicines for people with low to modest incomes and/or no insurance coverage. Check manufacturers' websites, including http://helpingpatients.org, for more details.

Veterans May Qualify for More Benefits - Recent laws have changed that grant veterans medical benefits for certain illnesses like diabetes and hypertension, provided veteran is subject to qualifying conditions like Agent Orange exposure. To see if you qualify for benefits contact Veteran’s Administration.

Once a year, have your doctor review your medications - Find out if you are paying for some drugs you no longer need or if less expensive versions have become available since last time you checked. In addition, it’s a good idea to review all your prescriptions with your pharmacist in addition to your doctor. A pharmacist's valuable knowledge is free, and s/he may find something your doctor missed. Ask questions about side effects and drug interactions.

Join AmeriPlan® USA - AmeriPlan® USA, nation’s premier health benefits plan, can save you up to 50% off most generic drugs and up to 25% off most name brand drugs at thousands of retail pharmacies nationwide. Plus by using plan’s mail-order service, you can expect to see even greater savings.

But AmeriPlan® saves you money on much more than prescriptions. Included, at no additional cost, are Dental benefits, Vision care benefits and Chiropractic care benefits. Even with combined four benefits, AmeriPlan® is more affordable than traditional insurance – only $11.95 a month for an individual and $19.95 a month for an entire household. Let’s face it, sooner or later you or someone in your family will need a medication prescribed by a doctor. The question is not will you pay for drug but rather which price will you be paying? Full Retail Price or AmeriPlan® discounted price?

Find out more about how you can save money with AmeriPlan® Health by visiting http://www.HealthcareWithinReach.com

************************************************************* AmeriPlan Health® benefit programs are NOT insurance, nor are they an alternative to or substitution for insurance coverage. You must use an AmeriPlan® provider and pay discounted fee at time of service. Visit http://www.ameriplanusa.com/disclaimer.asp for more information. *************************************************************

Disclaimer: The information contained in this report is intended for educational purposes only. It is not intended and should not be construed as delivery of medical care or advice and is not a substitute for personal, hands-on medical attention, diagnosis or treatment. Persons requiring diagnosis or treatment or with specific questions are urged to contact their personal healthcare provider for appropriate care.

That may be why some unscrupulous collectors still violate law. Of course, as already noted, breaking law is not a good idea, since collectors will lose much if not all of whatever moral standing they might have had. Besides, who wants to be sued for damages—especially by person who still owes you money?

Reality: it’s in best interest of anyone who owes money to document any FDCPA violations, and in best interest of debt collectors to follow fair debt collection practices scrupulously.

The Number-One FDCPA Myth: Fair Debt Collection Practices Act is hard to follow

Fact: Act’s requirements are nothing more than common sense and basic courtesy. The days of debtors’ prison or publishing debtors’ names in newspaper are over, and threats are strictly for mafia. Any attempt to collect a debt through humiliation or intimidation, or anything hinting at intimidation or humiliation, should be avoided.

Reality: The vast majority of violations could have been avoided if debt collectors had simply put themselves in other person’s shoes and thought about how they would feel if they were treated in same way. This also means that it is not in fact easy for debtors to get out of their obligations by turning tables on organizations to which they owe money.

In short, we’ve come a long way since days when debtors might have ended up in stocks, and FDCPA is largely to thank. But if you take fair debt collection practices lightly, you may find your troubles make a day in stocks look pleasant.