Answers - Insurance

Have you looked into your medical insurance policy lately? Does it cover such

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

things as; Lasik eye surgery, glasses or catastrophic eye problems? Most medic

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

Examples of combination products may in

al policies do not have these coverages. Even the best medical coverage polici

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

es do not always cover such things. Perhaps you need to look into vision insur

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

nce and see if you can get the coverage you may need in case of problems with

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

Combination pro

your eyes.

Of course you will need to talk to an expert insurance and it is b

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

est to talk with someone before such issues with your vision arise. One eye in

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

urance policy I looked into had a monthly membership fee which was nominal and

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

low deductibles too. I asked my insurance person about this and she told me s

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

he had even a better plan that what I had found searching on the Internet, whi

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

h tells me that shopping around makes a lot of sense.

First, review your curr

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

Following aspects would a

ent medical policy, then study what is available on the Internet a little and

dd to the challenges in developing combination products:

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

then once you have a pretty good handle on it write down a list of serious que

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

stions to ask and get the answers you need from an insurance expert.

Sometime

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

employer medical plans include such things, but not always and for us self-em

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

ployed folks well we are clearly on our own when it comes to such things, but

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

Professional from academic institutions, pharmaceutical industries, health care indust

we must not forget our eyes.

Running a business blind is truly visionless ind

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

ed. I certainly hope this article is of interest and that is has propelled tho

.

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

ught. The goal is simple; to help you in your quest to be the best in 2007. I

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

Companies that provide selfless information through particip

thank you for reading my many articles on diverse subjects, which interest you

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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Answers - Vision Insurance is Something You Need to Look Into

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