tate-of-the-art". AstraZeneca now sells over $3 billion worth of pills annually, at $120 per box. This is a drug that is essentially only a repackaged version Prilosec, which sells for about $20 per box.

When your doctor is prescribing a drug, make sure to ask him if there is any benefit to taking a brand name over a generic, and let it be known that you'll be pay

Starting in 2006, no plans that are qualified to work with a health savings account may cover prescription drugs as an insured benefit until after the deductible is met. So for HSA owners, one of your biggest health expenses could be for prescription drugs. Here are some ways to reduce those costs.

Generics

A report was published this week by Express Scripts Inc., a pharmacy benefit manager, indicating that increased use of generic drugs would save consumers $24 billion in 2005. Generic drugs cost an average of $60 less per month, than brand name drugs.

A report was published this week by Express Scripts Inc., a pharmacy benefit manager, indicating that increased use of generic drugs would save consumers $24 billion in 2005. Generic drugs cost an average of $60 less per month, than brand name drugs.

It is important to understand that brand name drugs often have little or no benefit over older generic versions. A prime example is Prilosec, a heartburn medication whose patent was scheduled to expire in April of 2001. Prilosec consists of two "isomers", a right-hand version and a left hand version. Studies showed an 87% success rate for this drug. AstraZeneca, the manufacturer, decided to offer a newly patented single isomer version called Nexium, which showed only fractionally better results with a 90% success rate.

A $500 million marketing campaign ensued, aimed at both physicians and consumers, to convince them that Nexium is "state-of-the-art". AstraZeneca now sells over $3 billion worth of pills annually, at $120 per box. This is a drug that is essentially only a repackaged version Prilosec, which sells for about $20 per box.

When your doctor is prescribing a drug, make sure to ask him if there is any benefit to taking a brand name over a generic, and let it be known that you'll be payi

Scripts Inc., a pharmacy benefit manager, indicating that increased use of generic drugs would save consumers $24 billion in 2005. Generic drugs cost an average of $60 less per month, than brand name drugs.

A report was published this week by Express Scripts Inc., a pharmacy benefit manager, indicating that increased use of generic drugs would save consumers $24 billion in 2005. Generic drugs cost an average of $60 less per month, than brand name drugs.

It is important to understand that brand name drugs often have little or no benefit over older generic versions. A prime example is Prilosec, a heartburn medication whose patent was scheduled to expire in April of 2001. Prilosec consists of two "isomers", a right-hand version and a left hand version. Studies showed an 87% success rate for this drug. AstraZeneca, the manufacturer, decided to offer a newly patented single isomer version called Nexium, which showed only fractionally better results with a 90% success rate.

A $500 million marketing campaign ensued, aimed at both physicians and consumers, to convince them that Nexium is "state-of-the-art". AstraZeneca now sells over $3 billion worth of pills annually, at $120 per box. This is a drug that is essentially only a repackaged version Prilosec, which sells for about $20 per box.

When your doctor is prescribing a drug, make sure to ask him if there is any benefit to taking a brand name over a generic, and let it be known that you'll be pay

illion in 2005. Generic drugs cost an average of $60 less per month, than brand name drugs.

It is important to understand that brand name drugs often have little or no benefit over older generic versions. A prime example is Prilosec, a heartburn medication whose patent was scheduled to expire in April of 2001. Prilosec consists of two "isomers", a right-hand version and a left hand version. Studies showed an 87% success rate for this drug. AstraZeneca, the manufacturer, decided to offer a newly patented single isomer version called Nexium, which showed only fractionally better results with a 90% success rate.

A $500 million marketing campaign ensued, aimed at both physicians and consumers, to convince them that Nexium is "state-of-the-art". AstraZeneca now sells over $3 billion worth of pills annually, at $120 per box. This is a drug that is essentially only a repackaged version Prilosec, which sells for about $20 per box.

When your doctor is prescribing a drug, make sure to ask him if there is any benefit to taking a brand name over a generic, and let it be known that you'll be pay

n and a left hand version. Studies showed an 87% success rate for this drug. AstraZeneca, the manufacturer, decided to offer a newly patented single isomer version called Nexium, which showed only fractionally better results with a 90% success rate.

A $500 million marketing campaign ensued, aimed at both physicians and consumers, to convince them that Nexium is "state-of-the-art". AstraZeneca now sells over $3 billion worth of pills annually, at $120 per box. This is a drug that is essentially only a repackaged version Prilosec, which sells for about $20 per box.

When your doctor is prescribing a drug, make sure to ask him if there is any benefit to taking a brand name over a generic, and let it be known that you'll be pay

tate-of-the-art". AstraZeneca now sells over $3 billion worth of pills annually, at $120 per box. This is a drug that is essentially only a repackaged version Prilosec, which sells for about $20 per box.

When your doctor is prescribing a drug, make sure to ask him if there is any benefit to taking a brand name over a generic, and let it be known that you'll be paying for the prescription out of your own pocket.

Drug Discount Programs

Pharmaceutical prices are a lot like hospital prices - very few people actually pay the listed retail price. There are numerous drug discount cards available on the market, which provide savings that average 15% to 40% below retail at participating pharmacies. Typically, most of the chain pharmacies (CVS, Eckerd, Walmart, Kroger, Costco, etc.) participate in these plans.

Many insurance companies include discount cards as an additional benefit that comes with their coverage. Because these cards are not considered to be insurance, they can be offered with an HSA-qualified plan. Insurance companies that provide Rx discount cards with their HSA plans include American Medical Security, Anthem Blue Cross Blue Shield, Assurant, Golden Rule, Imerica, Unicare, and World. We also know of one HSA administrator - - that provides a drug discount program to people who use them.

Stand-alone drug discount plans are also available to anyone with access to the internet. We've found the average cost of these discount plans to be around $7 or $8 a month. HSA for America has secured for its members (and readers of this newsletter) a free discount Rx card through a company called Drug Card America. To enroll online, simply visit: http://drugcardamerica.com/index.aspx?affid=104&agent=1&rxgrp=SAS104&affguid={458151a2-8511-4e15-! 9c22-d335be23527c}. You may want this card in addition to an