Useful Articles - Insurance

It’s true that one of the main perks of a job is the health benefits package. Despite this fact, not al

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

l employers offer health insurance, and they aren’t required to. Often employees are left to fend for t

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

hemselves when it comes to health costs. Those who are self-employed also face the same dilemma. With t

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

he rising costs of health care, having no health insurance is virtually not an option.

On

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

e alternative for people who aren’t able to purchase health insurance through their work is to purchase

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

an individual health insurance policy. The good news is that you can get an affordable individual heal

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

th insurance plan.

Below are a few tips to get you started looking for an affordable individua

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

l health insurance plan:

1. Look for an independent insurance agent. They are registe

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

red with your state department of insurance, so you will be able to search from a list.
2. Comp

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

are insurance companies. Look for information online, and compare the specific information of each

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

side-by-side. Look at companies and policies that are going to meet your specific budget and health nee

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

ds. Make sure you are informed of the exact coverage and price.
3. Find policies that guarante

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

e renewal and won’t cancel.
4. Ask about ten-day recession periods. With these recession

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

periods, you can cancel during the first ten days of coverage and be refunded your premium if you dec

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

ide the policy isn’t right for you.
5. Take advantage of tax deductions. Remember, if you are

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

self-employed, most of your health insurance premium will be deductible when tax season rolls around

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

. Always make your tax preparer aware of your premiums.

Admittedly, even the most affordable i

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

ndividual health insurance policies could be more expensive and more difficult to obtain than other ins

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

urance policies, but these factors should not discourage you from searching for health insurance for

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

you and your family. Everyone needs health insurance, and using these tips will make your search easier

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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