>> Example: Schedule annual meds review with your doctor---seperate from physical. <<We sort of did this at the start of this year. We were switched from a PPO to an HDHP with HSA this year. My wife was taking one name-brand medication that cost us a $25 monthly co-pay. This year, until the $2500 deductible is met, the entire cost of that medication -- about $90 -- is our full responsibility. So in January, my wife saw her practitioner and discussed the situation. We did some research and saw that the $90 drug was very similar to another drug the same manufacturer had an expired patent on. So we asked about that, and she agreed to try putting the missus on the drug which had the expired patent -- which we could buy for about $10 per month in generic. It seems to work as well, and my wife says it makes her less drowsy than the name brand $90 form of the medications did.That's $960 back into our pockets each year by doing a little research and asking questions.#29
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