Your health insurance experts for NC & SC

Warning: Combining Medications Can Be Hazardous to Your Health

March 30, 2010
Did you know that over 600,000 emergency room visits each year involved adverse reactions to or interactions of prescriptions or over-the counter drugs or supplements? Here are some of the main risks:
  • Taking different drugs prescribed by more than one doctor
  • Using drugs to treat conditions for which they weren't originally prescribed
  • Taking leftover drugs that were stockpiled and later used incorrectly
  • Using a drug that was appropriate initially but caused a toxic interaction when a new drug was prescribed
  • Taking OTC medications or supplements incorrectly or in combination with prescription drugs

     Some examples of types of drugs that can result in dangerous interactions with others are:

  • Central nervous system depressants. Opioid painkillers (e.g. Oxycontin)  on their own can be dangerous when taken in sufficient quantities. Sedating drugs such as benzodiazepines (e.g. Valium) taken for anxiety added into the mix can result in a deadly combination.  
  • Blood thinners. The drug warfarin (Coumadin) has what's call a 'narrow therapeutic range,' meaning that just a bit too much or too little in the blood can be dangerous. Taking antibiotics can lead to higher levels of warfarin in the body, resulting in hemorrhaging. NSAIDS (aspirin, ibuprofen, etc.) can result in the same consequences. Acetaminophen (Tylenol) can be a safer OTC pain killer for those on blood thinners. 
  • Antidepressants. Combining one type of antidepressant with another can result in a rare but potentially fatal reaction called 'serotonin syndrome.' This is most likely to occur when moving from one type of antidepressant to another without allowing one to clear the system before starting the new one.
  • Acetaminophen. Various cold and flu "combo" medicines may contain acetaminophen. Before taking acetaminophen tablets or capsules, always read the labels of any of these combo cold medications you're taking. An overdose of acetaminophen can result in liver damage or even failure. 


 

56% health insurance company profits? Absolutely not!

February 16, 2010
On my way home from a BCBSNC meeting today, I stopped to indulge one of my guilty pleasures, eating at McDonald's, and a less-guilty pleasure, reading the Charlotte Observer. I practically choked on my chicken strip when I came upon this letter to the editor on the Forums page:

In response to "Health care insurers' profits up 56% in '09" (Feb. 12):
Huge profits to health insurers while uninsured die? Shameful
So health care insurers made a 56 percent profit in 2009, and there's no chance for red...
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Individual health insurance has gone green!

January 27, 2010
It didn't occur to me until just recently (um, like yesterday) that the way I do business nowadays is WAY greener than it used to be. How so, you ask? Well, let me iterate some of the "old" ways:
  1. Everything used to be on paper. Everything! Paper brochures, paper contracts, paper rate sheets, paper marketing materials, and on and on.
  2. All that paper stuff changed constantly and so was delivered to me regularly in (you guessed it) paper envelopes and cardboard boxes.
  3. All that paper and cardboard st...

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Is a short-term health plan a good option for you?

January 19, 2010
A short-term, or temporary, health plan might be just what the doctor ordered for some situations. If you'll have a coverage gap of of just a few month until other coverage (employer-sponsored, Medicare or an individual health plan) is set to begin, it can be the perfect filler.

I usually don't recommend that short-term coverage be used in place of a regular major medical plans because of its limitations. Pre-existing conditions and annual physicals are not covered. However, in those situatio...
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Do your health insurance premiums make sense?

January 12, 2010
Everybody complains about them but most don't do anything about them. I'm talking about health insurance premiums.

When was the last time you ran the numbers to see if what you're paying makes sense for your situation?

If you're dealing with major illness and have been in and out of the hospital and are receiving ongoing treatments, by all means, stay with what you have. You're most likely getting WAY more than your money's worth! (Which brings me to a question for a whole other day: why do p...
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HSA Health Plan = Different Way of Practicing Medicine?

January 8, 2010
Bill and I (and many of my clients) have an HSA-qualified high deductible health plan. The premiums are wonderfully low, but of course we had to give up a few things to get those low premiums - like office visit and prescription drug copays. We have found it an excellent trade-off. (And, by the way, we do have full coverage for our annual physicals.)

What hadn't occurred to me was how differently doctors tend to practice medicine when there aren't any copays. A key part of this has been that...
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