Actual - Insurance

With the rising cost of gas on the West coast – not to mention the regular daily cost of l

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

iving – it wouldn’t be surprising if all Californians were looking for affordable Californ

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

Examples of combination products may in

ia health insurance. However, since the cost of health care seems to be rising almost as

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

ast as the cost of fuel, is it possible for Californians to find affordable California hea

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

lth insurance?

Yes. And the kind of health insurance plan that will give you the most “b

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

Combination pro

ang for your buck” is a Preferred Provider Organization, also known as a PPO.

A PPO works

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

by contracting a network of doctors and other health care professionals that will provide

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

the medical attention you need at the lowest cost. Understand the cost isn’t low because

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

the doctors are cheap; the cost is low because these are doctors that are contracted to wo

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

k with your PPO health insurance plan. So, under a PPO health insurance plan, you can cho

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

ose from the PPO’s list of doctors and avoid paying outrageously high doctor bills; the pr

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

Following aspects would a

ice you will pay is considerably lower than what you would pay if you were covered under a

dd to the challenges in developing combination products:

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

other type of health insurance plan, or, not covered by a health insurance plan at all.

I

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

t seems like the only downfall to finding affordable California health insurance through a

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

PPO is that your choice of doctors is limited to the list provided by the PPO. However,

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

t is actually possible for you to see doctors outside of the network; you may get a smalle

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

Professional from academic institutions, pharmaceutical industries, health care indust

r percentage of the bill paid for you, and you may not.

If you choose to use a PPO for yo

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

ur affordable California health insurance plan, make sure to always find out whether or no

.

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

the doctor you want to see is covered in the network. Many PPOs will provide you with a

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

Companies that provide selfless information through particip

Web site to search at your own leisure, and of course a toll-free customer service hotline

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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