Tag Archives: Canada

First Successful Shipment Of The Hepatitis Ayurvedic Product Kamalahar To A Developed Country

Finally the first shipment of the Ayurvedic product Kamalahar to United States has happened. The product was send to an old lady who has been suffering from viral hepatitis C. Our client said that she did not want to take western medicine and instead wanted to go for alternative medicine as there is no cure for hepatitis C in western medicine.

The way it started was quite interesting. One fine morning Khatore Pharmaceuticals received an email in the customer support email id, requesting about the product that is very good for liver disorders and viral hepatitis C. At that time Khatore Pharmaceuticals had not yet setup the logistics for shipment of the products to USA or for that matter any country outside India. The company was still putting things in place for the online store for shipments of ayurvedic products in India. Till last year, i.e. 2010, the company was only doing direct selling through chemists and stores in eastern part of India. Finally we decided to go online to expand our reach to patients all over India and finally to the people who are suffering from liver disorders in the whole world. But we had thought we might just be focused on India market for some time to come. But after the email and a request from her that she has been suffering from quite some time and does not want
to use the allopathic medicines (in which anyways there is currently no cure for Hepatitis C) we decided to setup the things in a jiffy.

We discussed the options with our client and asked her the various options of shipment and payment. We asked her if there was someone she knows in India who was travelling to USA so that we can ship Kamalahar to him/her and they can take Kamalahar to our client. She said she did not know anybody and would rather have the ayurvedic product Kamalahar shipped to her through courier or post. We were not sure if it will reach her. But we decided to give it a try and shipped Kamalahar to our client through an international courier even though we were not sure if it would reach her.

Finally after a wait of 10 days the shipment arrived at her door step and she has started to take Kamalahar, our best medicine for the treatment of liver disorders such as hepatitis, jaundice, cirrhosis, fatty liver, etc. We also asked her to do undergo liver function tests before she starts taking Kamalahar and after she takes it for two weeks so that we can track her progress and show it to her directly the improvements in her health. We got the reports after two weeks and as expected the report has started showing positive results. We are quite excited as so far we have only served patients in India but with this successful shipment to USA, the whole market of developed world has opened up for us.

I am looking forward to providing Kamalahar to needy people in USA, Canada and all the other countries. In fact if things work out as planned we will look forward to shipping our other Ayurvedic products too. We have started our campaign to reach out to people outside India and started to get query from people outside India. There are many people who suffer from liver disorders in all the countries of the world. Ayurvedic products of Khatore Pharmaceuticals are very cost effective as one bottle of thirty Kamalahar capsules cost less than three dollars. There is one catch that we are trying to figure out how to solve. The catch is currently the shipment cost to countries outside India is way more than the price of Khatore Pharmaceuticals ayurvedic products. But hopefully we will be able to bring it down in due course of time.

Are We Talking About health Care Reform, Or sickness Care Reform

All the talk about “Health Care Reform” has certainly ignited a fire in countless Americans! Every national news and talk radio show is focused on this hot button topic recently.

The economic crisis is clearly the catalyst for the proposed sweeping changes in national “health” care. Scarce funds and resources, as well as a pending economic “collapse” (as some describe) are forcing us to consider how to manage health care in tough times… and in extreme circumstances.

We’re hearing terms like “rationed health care”, “socialized medicine”, “universal insurance” and the “value of human life”. It’s no wonder this subject has sparked such heated dialogue.

Spending the first 23 years of my life in “socialist” Canada, and still spending much time and energy in their medical system with both of my parents, I may have a different perspective from the sensationalized one being portrayed in media.

I’m perfectly willing to admit that I don’t understand all the politics and red tape involved. I simply have a memory of how things really played out in that system and countless experiences to call upon.

Growing up, I quite clearly recall paying out of pocket for many doctor’s and specialist’s visits, treatments and procedures, and paying a partial “co-pay” for the remaining forms of care: physical therapy, surgery, prescriptions, etc. Not exactly the picture I continue to see painted on the news.

Studying and working within the field of health and wellness for the past 18 years, I know I have a different perspective. First, I wish we’d quit calling this “health care”. The subject of this conversation is “sickness care”. I know I can’t change that, but it annoys me! Words are important.

I have no challenge with paying for – investing in – my own health. I will gladly invest in lifestyle choices that proactively build better health. Choices like: healthier foods, high quality nutritional supplements, pure water, exercise classes, equipment and tools, Chiropractic care, massage, less toxic personal care, household and lawn care products, and so on. I don’t expect a hand out for any of these things… although it would sure be nice! It’s just not realistic. My health and my family’s health is my responsibility.

If we continue to talk about sickness care as though it will somehow provide us with health, we’ll continue on our devastating trend of unparalleled rates of chronic illness in all age groups. We’re confused.

What drug, surgery, insurance plan or federal program could ever fix a problem due to a lack of fresh, healthy, whole, untainted (genetically required) real foods? Or a problem due to sedentary living and lack of regular (genetically required) movement? Or a problem due to a lack of healthy emotions like love and joy? Or a problem due to toxic thoughts and emotions like fear, worry, hate and hopelessness?

Thinking that national “health care” is responsible for our health is irresponsible on our part. It’s also foolish. Their paradigm is still the sickness paradigm. Why on earth would we expect them to deliver us health?

Do I think that we should have a system to help those in need achieve better health and receive sickness care when needed? Yes. But I sure would love to see the main focus of such a program be on “health”! I’m certain we’d spend FAR less on sickness care (and “health care” as a whole) if that were the case.

I’d also love to see the pharmaceutical industry focus on health rather than profits, and drugs only be used for life-saving endeavors… but I digress!

I’m blessed to live in a country with excellent sickness care options. In the case of emergency or trauma or life-saving procedures we have the best. In the case of “health care”… not so much! Sadly though, it’s all there. Everything we need in order to create ideal health is right here at our fingertips. As a culture, we just keep overlooking it and choosing sickness care, expecting health as the outcome.

Our paradigm is inaccurate.

As individuals, imagine if we all began to proactively take steps to create better health. We would no longer play the role of passive by-stander or helpless victim in this game. That’s where I think our focus needs to shift – why wait around to see what’s decided FOR us? Regardless of whatever decisions are made by this current administration, we can certainly become healthier one by one, family by family. Isn’t this the perfect, most necessary time to take responsibility for our own health and safety?

Science has clearly shown us that it’s our lifestyle choices – how we eat, how we move, how we sleep, how we respond to stress – that directly determine our level of health, function, performance and our ability to prevent and reverse chronic illness. Getting healthier means making more pure and sufficient choices while simultaneously reducing toxic and deficient choices. No one can do this for us but US.

When we shift to this responsible, proactive and accurate belief about health care, THEN we will have a truly beneficial health care reform and a profound strengthening of our economy!

Free Online Alternative Medicine Directory

We are pleased to announce the launch of HolisticListings.com, a comprehensive user-friendly web directory of holistic healthcare practitioners in the United States and Canada. HolisticListings.com is an exciting on-line gateway to a wide spectrum of alternative health resources. We are currently offering free memberships to new and existing clients and invite you to join us!

The difference between conventional and alternative medicine is that conventional medicine treats the symptoms of an already existing disease. Alternative medicine seeks to prevent illness by balancing the mental, emotional and physical states of a person and to strengthen the immune system by natural means, enhancing the body’s ability to heal itself – known in conventional medicine as homeostasis.

In recent years, holistic therapies have grown tremendously in popularity as more health practitioners seek to treat the whole individual – body, mind, and spirit. Health consumers, in turn, are becoming more proactive in their search for optimal physical, environmental, emotional, social, and spiritual wellness.

With this in mind, we have created an on-line directory to help people seeking more natural ways to improve their quality of life. At HolisticListings.com, consumers seeking complementary healing modalities can peruse hundreds of listings across a broad range of holistic services, including acupuncture and acupressure, massage therapy, homeopathy, chiropractic, herbal medicine, osteopathy, craniosacral therapy, naturopathic medicine, mind-body counseling, and more. The site also represents holistic healthy living arts such as nutrition, meditation, yoga, qi gong, tai chi, martial arts and many other fitness specialties.

As a special offer, we are offering free memberships. Visit our website at www.holisticlistings.com to create your account now!

Our standard listings start at $3.99 per year and are a cost-effective way to help potential clients find you. In addition to listing your address, phone number, and other contact information, our user-friendly directory allows you to link to your own website, display your business logo, and list your practice under different modalities. In addition, you may add banners to promote your website/products, upload images, and more.

We look forward to your joining HolisticListings.com as a permanent member in our directory!

For more information, please contact us at

Health And Dental Insurance Definition And Terms

Explaining What is Health and Dental Insurance

What is health and dental insurance? It is an insurance policy in opposition to the risk of incurring medical expenses for individuals or families. In Canada, with universal health care, these financial issues are lessened but there are still a lot of things your provincial health care plan will not handle. This is where supplemental health and dental insurance will fill up the gap and offer in depth risk protection from unforeseen and costly medical bills.

An insurance company in Canada can produce a health and dental insurance plan that will handle medically necessary assistance that are not covered in the provincial health care plan. This is carried out by viewing the entire provincial population based on age, gender, smoking status, and expected medical usage. And then pricing can be determined for people in different age groups and additional aspects. There are commonly discounts for whole families to sign-up a plan together vs each person having their own insurance policy.

Group insurance as well includes supplemental health and dental insurance. When you are part of a group insurance plan you mostly have prescription drug coverage, medical supplies and services coverage and dental insurance.

What is not insured by your provincial health care plan?

The Canada Health Act mandates that all provinces should give free access to medically necessary services. These services are generally described as access to a physician or hospital and the nursing care in a long term care facility. There are, although, many expenses that are not covered under the provincial health care plan:

Prescription drugs dispensed through a local pharmacy (not from the hospital)
Non-emergency dental care (preventative and restorative dental treatments)
Ambulance rides
Medical services like chiropractic treatments, physiotherapy, massage therapy, psychologist, etc.
Medical equipment, like walker, canes, crutches, oxygen tanks, etc.
Vision care (eye exams and glasses)
Hearing aids
Private or semi-private hospital rooms
Outside province travel medical insurance (within Canada there are inter-provincial agreements for medical expenses)

Universal and free health care in Canada does not insure everything. Luckily for Canadians, the big medical expenses like hospital care and seeing a doctor are insured. There are also many health care subsidized services for in home care, people faced with mental illness, childhood developmental support, etc. which are also included by the provincial health care plans (to various degrees in different Canadian provinces).

The common expenses listed above can also compile to substantial monthly expense. Knowing that you will not need to pay 100% of the cost of drugs or dental care grants most Canadians peace of mind that they can access the medical treatment they need and keep within their monthly budgets.

How health and dental insurance works

A health and dental insurance policy typically works by a covered expense submitted to the insurance company for reimbursement. New technology has helped make most of these claims sooner and a lot easier. Instead of the individual paying for the expense and then mailing in claim forms (the old way of obtaining a claim) a pharmacy or dental office can electronically submit the claim on your account and the insured portion of the claim is settled directly to their business.

Some medical specialists can not yet do this, like massage therapy and physiotherapists. In this situation there is either the old mail in claim forms or now online claims processes that make presenting your claim instant.

Co-Pay: Many insurance plans do not pay 100% of the claim. They will cover 80% for instance. The 20% that the individual has to pay is called the co-pay portion. This co-pay amount is put into policies to help control expenses. The theory is that if people have to pay any amount of money, even if it is a small percentage of the total cost, they will think twice if they really need the medical treatment or not before spending money. Hopefully, the co-pay portion of your policy never holds you back from seeking the treatment and medicine your need to feel healthy again!

Maximum benefits: Another way to control costs is by having annual and/or lifetime maximums on the policy. These maximums will prevent people from incurring a huge medical expense in one year and then cancel their policy the next year and stop paying premiums. The most common place people see annual maximums is on their dental insurance coverage. The amount the insurance company is willing to pay out is based on the how old the policy is and the level of coverage purchased. A more complete dental insurance plan covers restorative dental like crowns, bridges, on lays, etc. A standard dental insurance plan will only handle standard maintenance, like cleanings, check-ups, fillings and extractions. The maximum annual payout is generally set smaller in the first year of the policy and then rises into years two and three. This lets the insurance company to collect 1 or 2 years premiums before reimbursing for the most highly-priced dental procedures.

Why you need health and dental insurance

Why do you need health and dental insurance if the Canadian government pays for all main expenses such as hospital care? It is well noted that people with no supplemental health and dental insurance tend to have a lower quality of overall health. There are still large financial obstacles to getting the treatment and medication needed to operate properly without health insurance. Dental care can be suspended, allowing troubles to grow from minor preventative issues in emergency dental care treatments that requires hospitalization. People who are on a budget and cant pay for prescription drugs tend to have more medical difficulties than those who can get the medication they need to feel better.

What is Health and Dental Insurance Discover more from Life Guard Insurance

If you are without health and dental insurance and can fit this type of premium into your monthly budget, you would be encouraged to have coverage vs going without. If you are interested in finding out more about health and dental insurance in your province, don’t hesitate to contact Life Guard Insurance.

Making Sense of Medicare Part D Drug Plan Formularies

Tier 1 is the lowest co-payment level and usually contains generic drugs.

Tier 2 is the mid-range co-payment level and usually contains Preferred brand name medications.

Tier 3 is the highest co-payment level and usually contains newer, more innovative and expensive brand name medications. There are often specific clinical restrictions established within a plans formulary for a beneficiary to receive these Tier 3 medications (some Tier 2 drugs may also have these restrictions). These restrictions include Quantity Limits, Prior Authorizations and Step Therapy.

What are Quantity Limits (QL), Prior Authorization (PA) and Step Therapy (ST)?

Quantity Limit (QL) means that the insurance company will only pay for a set amount of a particular drug within a given time frame. For example, 10 tablets within a 30 day period. If you want more than that set quantity you are responsible to pay for the product. A good example of where a quantity limit is often implemented is with migraine medications. Exceptions to established quantity or days supply limits may be made if the prescribing physician is able to justify medical necessity.

Prior Authorization is the process of obtaining coverage approval for a particular medication. Without such prior authorization, the medication is not covered. Authorizations are normally issued by nurse reviewers or other authorized personnel at the insurance company who review the doctor’s orders and other documentation to ensure that the medication is medically necessary. A set standard or protocol is used to determine whether the medication will be approved or not.

Step Therapy is defined as the practice of beginning drug therapy for a medical condition with the most cost-effective and safest drug therapy and progressing to other more costly or risky therapy, only if necessary. The aims are to control costs and minimize risks. Step Therapy is also called step protocol. Step Therapy may require the beneficiary to use a “first-line” drug before authorization is granted for a more costly “second-line” drug. For example, an individual may be required to try generic ibuprofen as a first line drug for arthritis pain before they will be given brand name Celebrex as a second line drug.

Due to the complicated formularies within many Medicare Part D plans, it is important that participants in Medicare Part D let their physician know which plan they have signed up for. This way the individuals physician can work within the constraints of the formulary in order to ensure that the beneficiary gets the best and most appropriate therapy that is covered under their plan.

Medicare Part D individuals should also be aware that purchasing medications, which are not covered under their plans formulary, from a licensed Canadian pharmacy, is an excellent alternative to paying the local U.S. pharmacy price. Many individuals will also benefit greatly by ordering their medications from a Canadian pharmacy once they have reached the gap in coverage, called the doughnut hole. This gap in coverage occurs at the $2250 annual drug expenditure level and beneficiaries are 100% responsible for their drug costs until they reach $5100 in drug expenditures. For a surprisingly high number of individuals, they may save more by ordering all of their medications from Canada rather than purchasing them through the Medicare program.

Medicare Part D beneficiaries must understand how their plans formulary works and they also need to keep up to date with any notices of changes to their plans formulary. Without keeping up to date they may find themselves in a position in which they are unable to get their medication the next time they walk into their pharmacy. With the preceding information a Medicare beneficiary will be better equipped to choose a plan that is best for them. Medicare Part D coverage combined with Canadian pharmacy savings can provide seniors with incredible savings. These individuals should be able to save a lot of money.

Universal Healthcare The Pros And Cons

Universal Healthcare is being strongly considered in the United States. Universal Healthcare basically means that every citizen will be eligible for health coverage, regardless of their ability to pay for it. There are pros and cons of such a system.

First of all, let’s take a look at the pros of Universal Healthcare (also known as Socialized Medicine). The benefits are fairly obvious. If we cover each and every citizen with affordable or free health insurance, they will be able to maintain their health regardless of their income.

One major advantage of such as system is that it can literally save lives. People die in our country each day because they cannot afford healthcare. And that includes working Americans. That is a travesty! It’s heartbreaking that there are millions of people who are contributing tax dollars to our national economy who are not in turn given their most basic need: maintenance of their health.

It almost seems obvious that it’s time to take the cue from Canada and implement Universal Healthcare. Their citizens seem to be fairly happy with the system, and it has been saving lives there on a daily basis.

However, as is true with any system (no matter how good a system it is), no healthcare solution is without fault. There are some notable disadvantages to Universal Healthcare which are worth acknowledging.

One negative side effect to providing universal healthcare is that spreading something too thin causes it to lose its inherent value. If we try to spread out our healthcare, it is possible that the quality of care will go down. Why? Because the hospitals and doctors offices will have more patients to deal with!

Naturally, no doctor would deliberately decrease his or her quality of care. Unfortunately, however, if your patient count multiplies, it can be hard to keep up. This could be overcome by the increased funding from the government under a socialized system, since that could cover a boost in medical staffing.

The other disadvantage that could result from Universal Healthcare is a lack of availability of care, causing a decrease in access to healthcare for everyone, including those who could afford to pay for it. There could be waiting lists that could prevent people from getting the care they need.

At the end of the day, we have to decide if the few drawbacks are worth it, in order to help out our fellow Americans who cannot afford to have any care whatsoever.

Assumable Mortgages In Lethbridge, Calgary, Edmonton, Red Deer, And Medicine Hat Alberta-00-3190

Robert May, Lethbridge Realtor & Mortgage broker

MYTH – Assumable Mortgages Are No Longer Available in Alberta
False But qualification may be required.

A mortgage in Alberta is a covenant that attaches itself to the land and stays there, even if the ownership
of the land changes. In this sense, mortgages are assumable. Albertas Law of Property Act makes the province unique from the rest of Canada in that the lenders recourse against the defaulting individual is limited to high ratio mortgages. However, most mortgages in Alberta, whether conventional or highratio, contain a due on sale clause stating that if the mortgagor transfers the property to a new owner, the lender has the right to require the new owner to qualify or the right to declare the mortgage due in full. There is nothing in Alberta legislation that prohibits lending institutions from enforcing this clause, although a sound reason for rejecting a buyer (i.e. poor credit, adverse terms of sale, mortgage in default, indications of mortgage fraud, etc.) is required.

Whether or not the buyer has adequate financing or is willing to engage
in legal proceedings to force the bank to allow the assumption to proceed
is another story. Robert May has significant first hand experience both assuming mortgages and allowing mortgages to be assumed. “As long as you know what you are doing and have expert advice, assumable mortgages can be a great opportunity.” according to Lethbridge real estate expert Robert May of LethbridgeLoans.com

Risks
There are several risks involved with mortgage assumption for both the
buyer and the seller. The borrower (seller) and anyone who assumes the
mortgage, are personally liable for any deficiency suffered by the bank,
should default occur on a high ratio mortgage. Another problem is that
the principal balance of the assumed mortgage displayed in the Finance Schedule and the Purchase Contract is only an approximate figure and may be understated. Buyers should also be wary of assuming cash-back mortgages which typically have higher interest rates and penalties for pay outs prior to maturity. Cash-back mortgages offer a compelling reason for the lender to enforce a due on sale clause, due to the large profits that can result. “Do not allow your mortgage to be assumed without proper expert advice”, says Lethbridge Real Estate expert Robert May.

If you are seeking new mortgage financing, Lethbridge mortgage and real estate expert Robert May of Verico Canada First Mortgage is available to help. Contact him directly at www.LethbridgeRealEstateBlog.com for personalized and confidential service.

Androgel From Best Canadian Pharmacies

Intake of this medicine will increase levels of testosterone in their bodies This is an expensive prescription and for getting a good AndroGel price you will have to shop a lot before you find a pharmacy that gives you great discounts on your prescription But why go anywhere else when you have Canadian Pharmacies to buy you prescriptions from This medicine costs a lot of money as it is very expensive, but if you can save some money why not ?

No where will you be able to find AndroGel price lower than when you buy if from Best Canadian Pharmacies All endeavor has been made to prepare a list of best Canadian pharmacies for your convenience so that you are able to buy your prescription at much discounted rates We have done our bit of basic search and put together pharmacies that will give you best and lowest discounts We have checked out all the listed companies before listing them and found each one of them to be authentic Unlike so many pharmacies that you can find on net, who not even located in Canada and worst of all, are not even pharmacies The ones listed on our website are genuine and each one of them has bona fide address in Canada All of them are into some business in Canada and their correct address is mentioned on each website too.

As all these Best Canadian Pharmacies listed on our website are genuine and have their Pharmacy license number also mentioned on their websites, that’s why they are able to sell your prescription at such discounted rates American pharmacies sell at a price which is 50%more than what the Canadian Pharmacies sell at. It will be worth your while to look around a little more on our website and find the lowest price for your prescription. These listed pharmacies will always ask you for your doctor’s prescription and based on that only give you the medicine with the matching dose They send only prescription drugs and that’s why they have such low prices. You will be charged for each shipment and not for each prescription You will only have to pay for a shipment which is consolidated of many prescriptions. These listed Best Canadian Pharmacies, always try to send you your prescription without any delay Customs always take more time than you have kept in hand, so it is better to order your prescription at least a month before you need it

Tips For Instant Energy

Tired all the time? Has your get up and go got up and left? These tips could help you feel invigorated.

1.Switch To Green Tea: Shun your morning coffee and switch to green tea instead. It contains half the amount of caffeine of an average sized cappuccino and yet laboratory studies have found that it still increases mental alertness. Not only that, studies suggest that green tea can slow the growth of some cancers, aid weight loss and lower cholesterol levels too. Fantastic!
2.Beat The Mid Afternoon Slump: Its tempting to reach for something sugary as energy drops. However, when your blood-sugar level rises rapidly, your pancreas responds by releasing a large dose of insulin which will plunge you into an energy slump. Instead, try eating a banana or a handful of nuts for slow-release energy.
3.Flirt: most of us feel like weve no energy for romance and sex, but imagine youre in your sitting room and walks in. Your heart starts to pound and, miraculously, that energy is there. Scientists reckon you can reproduce those feelings by flirting with your partner. Need a little help? Change your routine, wear different clothes and pretend hes a film star.
4.Use Your Nose: Research has shown that the scent of lavender increases alertness and brain function. In the US, a group of students were given maths tests before and after lavender aromatherapy the group completed the tests faster and more accurately afterwards. When you feel yourself drooping, put a few drops on a tissue for a boost.
5.Wear Bright Colors: this really does work. According to research in Canada, looking at red increases your heart rate, blue sparks creativity and yellow makes you feel alert and attentive. In if this seems a claim too far, simply wearing bright colours means people will react to you in a more upbeat way, boosting your mood and improving confidence and self-esteem.
6.Drink More Water: Yes, youve heard it a hundred times before, but dehydration really a sinister cause of exhaustion because it creeps up on you and you dont always feel thirsty the minute your system needs more water. You dont have to drink ridiculous amounts, but keep yourself topped up with two or three glasses on top of tea and coffee throughout the day.
7.Get Your Posture Right: slouching doesnt just make you look tired, it creates the feeling as well. When the joints arent aligned properly, the body was to work so much harder, your head should always be lined up over your body, so your ears are directly over your shoulders.
8.Get Organized: Theres nothing more energy sapping then piles of washing, a messy desk and spending hours trying to find your keys/glasses/ purse. Get organized and watch your energy levels soar. Declutter, find storage for things and choose a regular place for your keys and glasses. Keep on top of housework and do it in regular bursts.
9.Take A Mini Holiday: You dont need a fortnight a Majorca to recharge your batteries. It can take as little as a day. Fritter it away reading, going for walks, wandering around museums and eating lovely food, and make sure you do no work or chores. Sound blissful? Part of the trick is breaking routine and escaping deadlines. Try it and see how your energy levels rise.
10.Take Power Naps: But make sure you do it in a chair dont lie down or you might not get up! You cant do this at work, but on days off or weekends, give yourself a boost. Power naps are best at around 11.30am and 2.30pm, when energy drops. Keep it short 10 to 15 minutes is perfect.

Making Sense of Medicare Part D – Out-of-Pocket Expenses

OOP Threshold – $750 in OOP expenses at $2250 = $2850 remaining to reach the OOP Threshold.

Since after $2250 in expenditures enrollees are 100% responsible for their drug costs we can simply add the $2850 remaining to reach the OOP Threshold to the $2250 in drug expenditures to get:

$2250 + $2850 = $5100

That is how we get the drug expenditure range of $2250 to $5100 in which enrollees are 100% responsible for their drug expenditures.

This expenditure range is often called the doughnut hole. It is very important that Medicare eligible individuals are aware of the doughnut hole because for the first few months of 2006 they may be budgeting based on only having to pay for 25% of their drug purchases and then all of a sudden when they reach $2250 in drug expenditures they are hit with responsibility of paying for 100% of the drug cost. That is a huge and sudden change in monthly expenditures.

It is also important that Medicare Part D enrollees are aware that not all purchases are necessarily counted towards their Out-of-Pocket expenditures. The following are examples of purchases that will not be counted towards OOP expenses:

1. If a drug that an enrollee requires is not on the formulary of covered drugs for their chosen drug plan (or if their plan removes that drug from its formulary of covered drugs) that drug purchase will not be counted towards their out of pocket expenses and you are 100% responsible to pay for it. Purchasing these non-formulary drugs, that the enrollee must pay full price for, from Canada is an excellent alternative to paying high prices at the local pharmacy. Individuals can save an average of 42% by purchasing these medications in Canada.

2. If an enrollee travels and buys their prescription drug at a pharmacy that is not included in their drug plans network of pharmacies they are 100% responsible for the cost of the medication and it will not be counted towards their OOP expenses.

3. If an enrollee currently has an insurance plan and they utilize their insurance coverage to pay for their drug purchase, the purchase will not be counted towards their OOP expenses.

4. If an enrollee purchases their medications from another country that has low-cost, high-quality medications, such as Canada, these purchases, unfortunately, will not be counted towards their OOP expenses. However, these individuals may want to explore this option when they reach the doughnut hole to help them save even more money. In fact, if an individual spends more than $2250 a year on medicines but less than $7050 a year, buying their medicines from Canada once they hit the doughnut hole is an excellent option for them.

Medicare eligible individuals knowledge of Out-of-Pocket expenses and what these expenses entail is crucial for them to save as much as they possibly can with the Medicare Prescription Drug plan.