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Almost everyone can see the logic of carrying a high-deductible health insurance plan to protect against the major unex

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

pected expenses. Yet a high deductible can make some people a little nervous. Even a short trip to the emergency room t

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

Examples of combination products may in

get stitches can cost several hundred dollars. If you break your leg skiing, the cost could quickly run into thousands

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

of dollars.

Fortunately for people with these concerns, inexpensive supplemental accident plans are available which ca

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

reduce your deductible to just $100.

Though any type of medical expense can sneak up on you, most chronic illnesses p

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

Combination pro

ovide clues long before they get serious. If you're overweight, if you have digestive issues, or if you have a difficul

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

time climbing a flight of stairs, you're aware that you have health concerns long before your doctor or insurance comp

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

ny knows. But nothing sneaks up on you faster than an accident.

How Accident Plans Work An accident p

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

an won't pay a penny if you get sick, but if you have an accident and go to the doctor, emergency medical clinic, hospi

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

al emergency room, or even if you're admitted to the hospital, they'll cover 100% up to the set limit after a $100 dedu

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

tible.

Some insurance companies offer these as options with their plans, or you can purchase an accident plan separate

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

Following aspects would a

ly. These stand-alone accident plans will pay up to $5,000 or $10,000. And they are very reasonably priced, ranging fro

dd to the challenges in developing combination products:

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

$32/month for the $5,000 plan for an individual, to $42 for a $10,000 plan for a family.

How Accident Plans c

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

n Work with Your HSA Having an accident plan can be a great way to buffer the risk that comes with a high-dedu

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

tible health insurance plan. Let's say you have a $5,000 deductible on your HSA plan, and it then pays 100%. In that ca

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

e, you may want to consider adding a $5,000 accident plan to your coverage. If you were to have an accident that led to

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

Professional from academic institutions, pharmaceutical industries, health care indust

an emergency room bill of $800, you would only be responsible for $100.

If you were to have a very major accident that

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

required hospitalization, your accident plan would pay $5,000 after you paid the first $100. This would cover your dedu

.

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

tible on your HSA plan, which would then pay 100%. Your exposure would only be $100.

Another money-saving strategy you

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

Companies that provide selfless information through particip

may want to consider is raising the deductible on your HSA (which will lower your premium), and adding an accident plan

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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