[mercedes7]

[quote=briansd1][quote=ucodegen] The over-the-counter drug is both safer and keeps the clotting factor of the blood more stable.[/quote]

I don’t see the problem with people buying aspirin and OTC medication using after tax dollars, just like they pay for other everyday household expenditures.

Aspirin can be purchased for $2 at walmart. That’s lower than the copay on prescription medication so the patient will save money when choosing OTC vs. prescription.[/quote]

I had to respond to this thread. For those who do not work or have no knowledge of the medical field, you would be absolutely shocked at the waste and abuse that occurs every day. I see families every day who drive to the doctor/hospital in a late model SUV, women carrying the latest designer handbag, teens listening to their ipods, with husband and wife both carrying Iphones etc… (you get the drift), then they take out their medi-cal cards, insist the doctor write the prescription form of everything from Miralax to Prevacid/Prilosec, motrin vs otc ibuprofen etc and insist they cant afford to buy the medication (priorities). Usually these meds get up to 6 refills and can be quite costly if purchased otc. BTW, there is NO co-payment of any kind for many plans so there is no negative incentive as Brian mentioned.

And this is really the tip of the iceberg in terms of waste/abuse…but wanted to limit to OTC meds since this is the focus of this thread. Those who don’t believe this will increase the number of “prescription” medications dispensed (vs buying otc) is either very naive or has no knowledge of the way the medical system works. My suggestion, invest in pharm companies. Teva pharm should be a good investment going forward.

[mercedes7]

[quote=briansd1][quote=ucodegen] The over-the-counter drug is both safer and keeps the clotting factor of the blood more stable.[/quote]

I don’t see the problem with people buying aspirin and OTC medication using after tax dollars, just like they pay for other everyday household expenditures.

Aspirin can be purchased for $2 at walmart. That’s lower than the copay on prescription medication so the patient will save money when choosing OTC vs. prescription.[/quote]

I had to respond to this thread. For those who do not work or have no knowledge of the medical field, you would be absolutely shocked at the waste and abuse that occurs every day. I see families every day who drive to the doctor/hospital in a late model SUV, women carrying the latest designer handbag, teens listening to their ipods, with husband and wife both carrying Iphones etc… (you get the drift), then they take out their medi-cal cards, insist the doctor write the prescription form of everything from Miralax to Prevacid/Prilosec, motrin vs otc ibuprofen etc and insist they cant afford to buy the medication (priorities). Usually these meds get up to 6 refills and can be quite costly if purchased otc. BTW, there is NO co-payment of any kind for many plans so there is no negative incentive as Brian mentioned.

And this is really the tip of the iceberg in terms of waste/abuse…but wanted to limit to OTC meds since this is the focus of this thread. Those who don’t believe this will increase the number of “prescription” medications dispensed (vs buying otc) is either very naive or has no knowledge of the way the medical system works. My suggestion, invest in pharm companies. Teva pharm should be a good investment going forward.

[mercedes7]

[quote=briansd1][quote=ucodegen] The over-the-counter drug is both safer and keeps the clotting factor of the blood more stable.[/quote]

I don’t see the problem with people buying aspirin and OTC medication using after tax dollars, just like they pay for other everyday household expenditures.

Aspirin can be purchased for $2 at walmart. That’s lower than the copay on prescription medication so the patient will save money when choosing OTC vs. prescription.[/quote]

I had to respond to this thread. For those who do not work or have no knowledge of the medical field, you would be absolutely shocked at the waste and abuse that occurs every day. I see families every day who drive to the doctor/hospital in a late model SUV, women carrying the latest designer handbag, teens listening to their ipods, with husband and wife both carrying Iphones etc… (you get the drift), then they take out their medi-cal cards, insist the doctor write the prescription form of everything from Miralax to Prevacid/Prilosec, motrin vs otc ibuprofen etc and insist they cant afford to buy the medication (priorities). Usually these meds get up to 6 refills and can be quite costly if purchased otc. BTW, there is NO co-payment of any kind for many plans so there is no negative incentive as Brian mentioned.

And this is really the tip of the iceberg in terms of waste/abuse…but wanted to limit to OTC meds since this is the focus of this thread. Those who don’t believe this will increase the number of “prescription” medications dispensed (vs buying otc) is either very naive or has no knowledge of the way the medical system works. My suggestion, invest in pharm companies. Teva pharm should be a good investment going forward.

[mercedes7]

[quote=briansd1][quote=ucodegen] The over-the-counter drug is both safer and keeps the clotting factor of the blood more stable.[/quote]

I don’t see the problem with people buying aspirin and OTC medication using after tax dollars, just like they pay for other everyday household expenditures.

Aspirin can be purchased for $2 at walmart. That’s lower than the copay on prescription medication so the patient will save money when choosing OTC vs. prescription.[/quote]

I had to respond to this thread. For those who do not work or have no knowledge of the medical field, you would be absolutely shocked at the waste and abuse that occurs every day. I see families every day who drive to the doctor/hospital in a late model SUV, women carrying the latest designer handbag, teens listening to their ipods, with husband and wife both carrying Iphones etc… (you get the drift), then they take out their medi-cal cards, insist the doctor write the prescription form of everything from Miralax to Prevacid/Prilosec, motrin vs otc ibuprofen etc and insist they cant afford to buy the medication (priorities). Usually these meds get up to 6 refills and can be quite costly if purchased otc. BTW, there is NO co-payment of any kind for many plans so there is no negative incentive as Brian mentioned.

And this is really the tip of the iceberg in terms of waste/abuse…but wanted to limit to OTC meds since this is the focus of this thread. Those who don’t believe this will increase the number of “prescription” medications dispensed (vs buying otc) is either very naive or has no knowledge of the way the medical system works. My suggestion, invest in pharm companies. Teva pharm should be a good investment going forward.

[mercedes7]

[quote=briansd1][quote=ucodegen] The over-the-counter drug is both safer and keeps the clotting factor of the blood more stable.[/quote]

I don’t see the problem with people buying aspirin and OTC medication using after tax dollars, just like they pay for other everyday household expenditures.

Aspirin can be purchased for $2 at walmart. That’s lower than the copay on prescription medication so the patient will save money when choosing OTC vs. prescription.[/quote]

I had to respond to this thread. For those who do not work or have no knowledge of the medical field, you would be absolutely shocked at the waste and abuse that occurs every day. I see families every day who drive to the doctor/hospital in a late model SUV, women carrying the latest designer handbag, teens listening to their ipods, with husband and wife both carrying Iphones etc… (you get the drift), then they take out their medi-cal cards, insist the doctor write the prescription form of everything from Miralax to Prevacid/Prilosec, motrin vs otc ibuprofen etc and insist they cant afford to buy the medication (priorities). Usually these meds get up to 6 refills and can be quite costly if purchased otc. BTW, there is NO co-payment of any kind for many plans so there is no negative incentive as Brian mentioned.

And this is really the tip of the iceberg in terms of waste/abuse…but wanted to limit to OTC meds since this is the focus of this thread. Those who don’t believe this will increase the number of “prescription” medications dispensed (vs buying otc) is either very naive or has no knowledge of the way the medical system works. My suggestion, invest in pharm companies. Teva pharm should be a good investment going forward.

[mercedes7]

[quote=CA renter]Called it! 😉

—————–
…one has to wonder if they’ve sent them out to everybody, and whether or not every borrower is getting the opportunity to apply for a principal reduction. I wonder if there’s not some kind of program going on behind the scenes where the govt is going to guarantee more than they are publicly admitting for losses on principal reductions. BAC would only have an incentive to mail these out to everyone if somebody (govt?) was making an offer they can’t refuse, IMHO.

http://piggington.com/loan_modificationbac_home_loans%5B/quote%5D

Congrats…you did call it. However, this just tells me that things are not as good as the media and the government is leading us all to believe. Makes me wonder if more and more people aren’t starting to walk away. If people begin to walk away en masse, these banks will be screwed and they know it.

[mercedes7]

[quote=CA renter]Called it! 😉

—————–
…one has to wonder if they’ve sent them out to everybody, and whether or not every borrower is getting the opportunity to apply for a principal reduction. I wonder if there’s not some kind of program going on behind the scenes where the govt is going to guarantee more than they are publicly admitting for losses on principal reductions. BAC would only have an incentive to mail these out to everyone if somebody (govt?) was making an offer they can’t refuse, IMHO.

http://piggington.com/loan_modificationbac_home_loans%5B/quote%5D

Congrats…you did call it. However, this just tells me that things are not as good as the media and the government is leading us all to believe. Makes me wonder if more and more people aren’t starting to walk away. If people begin to walk away en masse, these banks will be screwed and they know it.

[mercedes7]

[quote=CA renter]Called it! 😉

—————–
…one has to wonder if they’ve sent them out to everybody, and whether or not every borrower is getting the opportunity to apply for a principal reduction. I wonder if there’s not some kind of program going on behind the scenes where the govt is going to guarantee more than they are publicly admitting for losses on principal reductions. BAC would only have an incentive to mail these out to everyone if somebody (govt?) was making an offer they can’t refuse, IMHO.

http://piggington.com/loan_modificationbac_home_loans%5B/quote%5D

Congrats…you did call it. However, this just tells me that things are not as good as the media and the government is leading us all to believe. Makes me wonder if more and more people aren’t starting to walk away. If people begin to walk away en masse, these banks will be screwed and they know it.

[mercedes7]

[quote=CA renter]Called it! 😉

—————–
…one has to wonder if they’ve sent them out to everybody, and whether or not every borrower is getting the opportunity to apply for a principal reduction. I wonder if there’s not some kind of program going on behind the scenes where the govt is going to guarantee more than they are publicly admitting for losses on principal reductions. BAC would only have an incentive to mail these out to everyone if somebody (govt?) was making an offer they can’t refuse, IMHO.

http://piggington.com/loan_modificationbac_home_loans%5B/quote%5D

Congrats…you did call it. However, this just tells me that things are not as good as the media and the government is leading us all to believe. Makes me wonder if more and more people aren’t starting to walk away. If people begin to walk away en masse, these banks will be screwed and they know it.

[mercedes7]

[quote=CA renter]Called it! 😉

—————–
…one has to wonder if they’ve sent them out to everybody, and whether or not every borrower is getting the opportunity to apply for a principal reduction. I wonder if there’s not some kind of program going on behind the scenes where the govt is going to guarantee more than they are publicly admitting for losses on principal reductions. BAC would only have an incentive to mail these out to everyone if somebody (govt?) was making an offer they can’t refuse, IMHO.

http://piggington.com/loan_modificationbac_home_loans%5B/quote%5D

Congrats…you did call it. However, this just tells me that things are not as good as the media and the government is leading us all to believe. Makes me wonder if more and more people aren’t starting to walk away. If people begin to walk away en masse, these banks will be screwed and they know it.

[mercedes7]

[quote=sdduuuude]Tierrasanta may be a great compromise for you …[/quote]

Agreed…I think you should at least look at Tierrasanta. Don’t know anything about the schools there though.

[mercedes7]

[quote=sdduuuude]Tierrasanta may be a great compromise for you …[/quote]

Agreed…I think you should at least look at Tierrasanta. Don’t know anything about the schools there though.

[mercedes7]

[quote=sdduuuude]Tierrasanta may be a great compromise for you …[/quote]

Agreed…I think you should at least look at Tierrasanta. Don’t know anything about the schools there though.

[mercedes7]

[quote=sdduuuude]Tierrasanta may be a great compromise for you …[/quote]

Agreed…I think you should at least look at Tierrasanta. Don’t know anything about the schools there though.

[mercedes7]

[quote=sdduuuude]Tierrasanta may be a great compromise for you …[/quote]

Agreed…I think you should at least look at Tierrasanta. Don’t know anything about the schools there though.

[Author]

Posts