Cut Prescription Drug Costs Without Having To Buy Foreign Drugs

Written by Melissa Horn

Save Up to 93% by Asking for a Generic - Use generics whenever they are available. Both brand name and generic drugs containrepparttar same active ingredients, arerepparttar 138225 same in strength and dosage and meetrepparttar 138226 same government quality control standards.

Savings on brand name vs. generic drugs will vary from drug to drug and pharmacy to pharmacy but can be significant. Some remarkable examples:

Prozac brand 20mg, 100 tablets cost $280.19 Generic sells for $29.99 (Savings 89%)

Vasotec brand 5mg, 100 tablets costs $103.59 Generic sells for $18.19 (Savings 82%)

Ask Your Doctor is an Older Medication is as Effective - Often, physicians prescribe a newer drug that has been promoted as more effective. However, what this really means is that it is considerably more expensive. For example, newer antibiotics are often no more effective thanrepparttar 138227 older antibiotics. A great generic broad-spectrum antibiotic can cost 80% less than a new antibiotic.

Ask your doctor if you can take an over-the-counter (OTC, non-prescription) medicine - Sometimes an OTC medication can be as effective asrepparttar 138228 prescription, and if it is, chances arerepparttar 138229 OTC medicine will be considerably cheaper. For example, a one-month supply of Pepcid 20mg costs approximately $60. Pepcid AC, over-the-counter in 10mg strength (you would simply take two) costs approximately $23.

Cut Your Costs in Half by Using a Pill Splitter - Most pharmacies stock pill splitters. Sometimes, medications can be broken in half and save you 50%. Why? Several pharmaceutical manufacturers price some of their medicationsrepparttar 138230 same for all strengths. For example, Lipitor is almostrepparttar 138231 same price for all strengths. Itís possible to save as much as $100 on a one month supply of Lipitor just by gettingrepparttar 138232 larger strength and cutting in half. Ask your pharmacist.

If your medication can be split, make sure you checkrepparttar 138233 figures. Ifrepparttar 138234 higher dose is less than doublerepparttar 138235 cost for your regular dose then you will be saving money by having your doctor prescriberepparttar 138236 higher dose and then splitting it.

Disclaimer: Using a pill splitter is not appropriate for all medications and could be dangerous if done withrepparttar 138237 wrong medication. Always ask your doctor or pharmacist if there would be any problems with splittingrepparttar 138238 tablets or capsules.

Ask your doctor for a "trial prescription" when starting a new medication - Ifrepparttar 138239 doctor does not have samples, ask your pharmacist to give you only a one-week supply to try. It is a federal law that medicines cannot be returned once they are dispensed. If you get a month's supply and canít toleraterepparttar 138240 medicine or, you don't want to continuerepparttar 138241 medicine, you'll have saved money by not buying a full prescription atrepparttar 138242 start.

Ask for free samples of your prescription medicine - If it's your first prescription for a particular medicine, this is also a good way to "try"repparttar 138243 medicine to see how well it works for you and how well you tolerate any side effects. However, even though it is nice to have a free drug for a week or two, make sure itís not a high-priced alternative that will end up costing you more when it comes time to pay for a full prescription.

Consider using mail-order pharmacy services - You can usually order up to a 3Ėmonth supply of your prescription medicine for about 30% less thanrepparttar 138244 individual prescription refills. Mail-order pharmacies are also more private and often more convenient. You should be aware, however, that a mail-order pharmacy can't fill prescriptions as fast as your pharmacy. So mail order is usually best for maintenance-type drugs. If you use an Internet pharmacy service, be sure it carriesrepparttar 138245 Verified Internet Pharmacy Practices Sites (VIPPS) seal, which identifies sites licensed to sell prescription medicines online.

3 Dangerous FDCPA (Fair Debt Collection Practices Act) Myths

Written by Steven Austin

Think youíve gotrepparttar FDCPA (Fair Debt Collection Practices Act) figured out? Donít be so sure. While nothing can takerepparttar 138077 place of a lawyerís advice, if youíve at least overcome these three dangerous myths aboutrepparttar 138078 law, you may save yourself a lot of money and heartache.

FDCPA Myth 3:repparttar 138079 Fair Debt Collection Practices Act isrepparttar 138080 only law governing collections

Fact: The FDCPA is a US federal law. Each state has additional laws that govern fair debt collection practices. Some portions of those laws may have been invalidated byrepparttar 138081 federal law. But, as a general rule, state laws are valid if they provide greater protections (or restrictions, depending on your point of view), and invalid if they allow debt collectors too much leeway. Meanwhile, other countries have their own laws, which may or may not apply ifrepparttar 138082 collector or debtor is currently located outsiderepparttar 138083 US.

Reality: it is important to keep in mind allrepparttar 138084 relevant state laws. Those state laws may includerepparttar 138085 laws of up to three or even more states:repparttar 138086 debtorís current state of residence, business, and/or work;repparttar 138087 debt collectorís state; andrepparttar 138088 state of any outside collection agency. The multiplicity of laws is just one reason why lawyers are so often brought intorepparttar 138089 collections process, especially whenrepparttar 138090 amounts are large.

Debt collections that cross national borders are notoriously complicated, whether itís a US collector seeking payment from a foreign national or vice versa. Thatís just one reason that businesses that have a large customer base in another country will often open a branch office there.

FDCPA Myth 2: if a collector violates fair debt collection practices,repparttar 138091 debt is thrown out.

Fact: itís true that unfair debt collection practices will likely costrepparttar 138092 collectorrepparttar 138093 judgeís sympathy ifrepparttar 138094 collections go to court. Butrepparttar 138095 Act does not say thatrepparttar 138096 debt itself will necessarily be invalidated.

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