Monday, October 1, 2012

Flex spending accounts and health insurance reimbursement

Although most group health insurance plans won't cover over-the-counter medications, consumers have been previously able to purchase them through flex spending accounts (FSA). However, the recent tax changes which have gone into effect are making it more challenging for patients to have non-prescription treatments reimbursed from those health insurance accounts . This can be very frustrating, especially if you have a medical condition which requires treatment from sources which simply don't require a prescription.

What is FSA?

A flexible spending account (sometimes called a flexible spending arrangement) allows employees of a business to move a portion of their paycheck into a separate account before taxes are taken out. This money may be used for specific expenditures, most commonly child care expenses or health care. The benefits of an FSA are that the funds are then exempt from payroll taxes. However, there's a disadvantage in that the FSA funds must be used by the end of the calendar year, or they will no longer be available.

Non-Prescription Treatments

In many cases, doctors will suggest a non-prescription, over-the-counter treatment for certain conditions. Examples include allergy medications, knee braces, or other medical needs. Previously, consumers were able to purchase these items using their FSA debit card. However, rules have recently changed which require the primary physician to write a prescription in order to obtain reimbursement. This can be challenging, given the hectic schedules of doctors and the cost of a simple office visit. Statistics currently show that this change has led to a 90 percent reduction in the number of reimbursements which are requested for over-the-counter treatments.

Other Methods

If obtaining reimbursement for over-the-counter expenditures through your FSA becomes too complicated, remember that many health care expenses may be deductible on your tax returns. Health expenses can be deducted up to a certain percentage of your income, including the monthly costs for maintaining health insurance plans for yourself and your family.

Regardless of whether over-the-counter expenses may be reimbursed later on, a pre-tax savings plan designed to help offset out-of-pocket health care bills can be a tremendous benefit to families on a budget. Check to see if your employer offers FSA or HSA in order to take full advantage of these pre-tax savings account.

Wednesday, September 26, 2012

Propecia and the class action case

If you look back to the earliest days when this drug was released, there were warnings that a few men had experienced some sexual difficulties. This was clear from the clinical trial data submitted to the FDA before the use of the drug was approved. In taking the decision to license the drug, the FDA was making a broad statement that the benefits to the many outweigh the risks to the few. Taking a more general view of the drug, we should remember it was originally developed and is used for the treatment of benign growths in the prostate gland. The drug has not been altered for the use as a treatment for hair loss. All the FDA license does is allow the manufacturer to market the side effect from the original drug. So whether you want it to affect your prostate, taking the Propecia will make your urine flow more easily and stop hair loss.

This is not to say that men who have experienced sexual problems should just accept it. But even though the warnings were perhaps not as widely drawn as they might have been, there were warnings. This makes it very difficult for any case to succeed against the manufacturer. Despite this, several firms of attorneys are now actively inviting men to join them with a view to launching a class action against the manufacturer. The basis of the case is going to be that the manufacturer knew the risks were more significant and deliberately withheld that information. Until recently, the warning label said less than 2% of men were affected. The assumption would be that you would have thought twice if you had known the actual risk was to 5% of men taking the drug. By concealing this additional risk, you were deceived and so deserve compensation. Well, this is going to be difficult to prove. First the manufacturer must be shown aware more than 2% of men were affected by Propecia pills and decided to suppress the information. Second, if you had known the true figure, you would not have taken the Propecia.

Sunday, August 12, 2012

Strategy for Herpetic Whitlow

Although, the signs are fixed by themselves within a couple of weeks, the therapy is offered to evaluate the treatment. Antiviral drugs are recommended, in order to obtain the convenience by the signs and to prevent the propagation of malicious and repetition of the situation. Drugs may also be administered to the patient. Freezing shakes are to be effective for the comfort of suffering. The problems are not common, but may create in immunocompromised individuals, such as those with HIV / AIDS. It was noted that such individuals may create serious complications such as pneumonia, as a result of herpetic whitlow. Those who have damaged the defenses natureal and other conditions, must search for the therapy, as from the beginning of the signs.

Herpetic Whitlow is a contaminated situation and those who are at risk should be prevented with preventive measures. Those who are already infected should avoid the situation that you deploy to other places and other concerned individuals. This can be done bandage dress patches and prevent damage and choosing the blisters. He / she must prevent skin to skin contact with others and should not discuss with other personal items. Even health care workers must exercise caution while working with the sick, to be dressed in protective gloves.