3.5.09

10 Things Your Pharmacist Won't Tell You

10 Things Your Pharmacist Won't Tell You
Wednesday, April 29, 2009
Copyrighted, SmartMoney.com. All Rights Reserved.
1. “I’m overworked and stressed out . . .”

It seems that doctors are prescribing a lot more medication than they used to. In 2007 pharmacists filled 3.8 billion prescriptions, up from 3.3 billion in 2002. Michael Negrete, CEO of the Pharmacy Foundation of California, says that some physicians may actually be prescribing drugs unnecessarily, say for the flu. “It’s easier and quicker than explaining to a patient why they don’t need an antibiotic,” Negrete says.
The upshot is that your pharmacist is probably working harder than she should be—Paul Lofholm, owner of two pharmacies in Marin County, Calif., says his pharmacists fill prescriptions at a rate of 80 to 100 per shift. “Pharmacists are stressed out,” says Frederick Mayer, a veteran pharmacist and president and CEO of the Pharmacists Planning Service in California, “and it’s getting worse.” One side effect is that most pharmacists don’t have the time to offer the counseling federal and state law require with each prescription. It’s not just a formality—a pharmacist’s recommendation for how and when to take a certain medication can go a long way, for example, in helping to decrease some of the adverse side effects of medication.

2. “. . . .which means I’m more error-prone.”

At first it was a bit of a mystery: When Daniel Hawkins of Danville, Calif., took the penicillin he was prescribed, he became violently ill. But days later it was discovered that he had mistakenly been given Zoloft, an antidepressant. It may sound like an isolated incident, but it happens all the time. In California alone, there were 433 complaints of prescription error filed with the state Pharmacy Board in 2007. Those inside the pharmacy industry blame such mix-ups on long hours, tough working conditions, and a shortage of qualified personnel.
Another big factor: the increasingly rapid pace of the work. “Things get so busy,” Mayer says, “that I have no time to look at the computer screen, or even to look inside the bottle and make sure that the pills I’m giving out are the right ones.” Pharmacists are also being asked to spend more time on administrative chores these days, especially those involved with insurance. “Add to that the small things—such as insurance companies only approving 30-day dosages at a time, causing more face time with each patient in the pharmacy, which only adds more to the administrative hassle,” says Lofholm. “It’s a spiraling effect, which means more distractions open up more room for error.”

3. “I don’t understand all my merchandise.”

With so many people taking an interest in alternative medicine these days, most pharmacies sell profitable herbal remedies right at the prescription counter. This setup encourages customers to make impulsive herbal purchases while picking up their prescriptions.
But many pharmacists are woefully uninformed about the complications that can develop when various drugs get taken in tandem. Even if your druggist sees you purchasing, say, the memory enhancer ginkgo biloba as you pick up a prescription for the blood thinner Coumadin, studies have shown that he may fail to recognize that the two taken together increase your risk of internal bleeding and stroke. “It is a problem,” says Varro E. Tyler, former professor emeritus at the Pharmacy School of Purdue University. “Herbs get sold in this country as dietary supplements and foods, but they are drugs. And all drugs have interactions.”
“Don’t buy dietary supplements, period,” says Larry Sasich, chair of the department of pharmacy practice at the LECOM School of Pharmacy in Erie, Pa. “They’re not regulated, so you have no idea if what you’re seeing on the label is really what is in the bottle.”

4. “My drug-swapping could make you sick.”

Pharmacists will sometimes switch up a patient’s medication from one manufacturer’s make to another without ever asking permission. And most of the time, it’s fine. But there are times when this practice can be dangerous, particularly in the case of epilepsy patients and some people on thyroid or heart medication. “Most people can use any manufacturer’s version of a product without problems, but there’s a small but significant number of people that cannot,” says Sandy Finucane, vice president of legal and government affairs for the Maryland-based Epilepsy Foundation. “Unfortunately, we don’t know who those people are until after they’ve experienced the side effects.”
Many epilepsy patients in particular have spent years trying to find the right drug and the right dosage to control their seizures, Finucane says, and a drug from an unfamiliar manufacturer can lead to unexpected side effects including seizures, blurred or double vision, or severe headaches. “Because the consequences of having a seizure are so dramatic, we want to do everything we can to avoid this,” Finucane says. Her suggestion: All epilepsy patients should inform their pharmacist of their condition and ask to have their records indicate that switching from one manufacturer to another is prohibited. “And if any questions come up, tell the pharmacist to call your doctor directly,” she says.

5. “Frankly, your private records aren’t all that private.”

While the Health Insurance Portability and Accountability Act (HIPAA), first enacted by Congress in 1996, has helped to better protect patients’ privacy over the years by ushering in a host of confidentiality laws, there are still some ways that information about your health and medication history can get disseminated without your knowledge. For example, drug companies are still paying pharmacists to access customers’ personal information for consumer marketing so that they can send out refill reminders or information about a new drug brand to patients.
But as the medical profession goes digital—with doctors’ sending prescriptions electronically to pharmacists and the use of information exchange networks, which allow doctors, pharmacists, and even nursing homes to access patients’ electronic medical records—industry experts are worried that HIPAA may have some troubling loopholes. “The HIPAA privacy rule was written at a time when we weren’t aggressively moving towards a networked health-care system, so we have to review that law and strengthen that law to protect consumer privacy,” says Leslie Harris, president of the Washington, D.C.–based Center for Democracy and Technology. “If too many people have access to that database, you’ve got a big problem.”
If you’re concerned, ask your physician or pharmacist up front what their privacy policies are and exactly who will have access to your medical records, says Christine Bechtel, vice president of eHealth Initiative, a nonprofit organization in Washington, D.C. Only those who are authorized and authenticated should be able to look at your records, she says.

6. “I can be pretty sneaky sometimes.”

It’s certainly not true of all pharmacists, but some have been known to resort to underhanded tricks in order to beef up their profit margins. Jim Sheehan, an associate U.S. attorney based in Philadelphia, experienced this firsthand when he was on vacation in Florida and came down with strep throat. A local pharmacist there inspected Sheehan’s prescription for antibiotics from a nearby urgent-care center and offered the following choice: Pay cash for the medicine and get it immediately, or run it through Sheehan’s insurance company and wait half an hour since he was from out of state. Sheehan, who specializes in prosecuting health-care fraud cases, had heard of this scam before. “The pharmacist figured that I had no idea of the retail price, and he would have charged me whatever he wanted,” he says. Sheehan opted to wait, and lo and behold, the process of checking with the insurance company took only a few minutes.
Other tricks he’s come across are equally dodgy. Sheehan says he’s seen pharmacists who buy deeply discounted drug samplesfrom doctors then turn around and sell them at retail prices. He also has encountered unethical druggists who will charge a customer her insurance plan’s $10 copayment even if the retail price for the drug is less than that.

7. “Paying out-of-pocket? The price of your prescription just went up.”

The pharmacy business should be all about uniformity. Go from drugstore to drugstore, and your prescription should have the same name, dosage, and instructions for use. But that’s not always the case when it comes to the cost of medication: A recent comparison of pharmacies found little consistency in the price of prescriptions. Why? There are differences in the cost of doing business— rents vary, as do other fixed expenses.
But there’s another factor at work, explains Larry Sasich: “The pharmacist has to figure out his break-even point.” Among the variables is the percentage of prescriptions filled that are covered by insurance. In pharmacies with a lot of covered customers, the break-even cost is shifted heavily to patients who are paying full price—generally, the elderly on Medicare or the working poor. “Pharmacists can’t push around a big HMO,” says Sasich, “but they can push around a little old lady.”

8. “This medication is stale.”

Most people don’t think that underworld crime figures can come between them and their Celebrex. Well, they haven’t heard of Anthony “Tony Ripe” Civella. In 1991 Civella was convicted of buying $1 million worth of discounted drugs that were supposed to go to nursing homes— where large quantities of medication are purchased at bulk prices and used quickly—but instead found their way to retail pharmacies (at a tidy profit for Tony Ripe). The problem is called “drug diversion.” In a typical case, crooked druggists buy diverted medication at reduced prices and in quantities far bigger than they’re legally allowed to handle; by the time the last of the shipment reaches consumers, the pills are long out of date.
The big losers in all this are consumers who end up with stale medication that hasn’t been properly stored, explains a spokesperson for the U.S. attorney’s office in Kansas City, Mo. There’s also a secondary price, since in the long run such practices raise the cost to the consumer. “Somewhere the drug manufacturers and wholesalers have to recoup their losses from having discounted drugs going to retail pharmacists,” the spokesperson says.

9. “I don’t just sell drugs. I make them.”

Say your five-year-old needs a medication that comes only in pill form. If you think he’ll do better with a liquid, you can ask your pharmacist to make the conversion himself—right there at the store. It’s called “compounding”—a traditional practice in which pharmacies combine, mix, or alter ingredients to create unique medications that meet specific needs of a patient—and when done right, it’s perfectly safe. But some pharmacists compound drugs that already exist—such as injectable morphine or hormonereplacement- therapy meds, for example— because it’s cheaper. “They do that so they can make more money,” says Larry Sasich. “Only the dangers get passed on, none of the savings.”
The bottom line: If the product is available commercially, you’re better off getting it that way. “Pharmacists don’t [compound] under good manufacturing guidelines; they do it in the back of their shops,” says Sasich, advising that “if you can buy the FDA product, you should.”

10. “You can get any prescription you like online.”

Go on the Internet to buy medicine, and you’ll probably save some time and money. But be careful. While there are many legitimate websites that sell prescriptions, such as RxSolutions. com, there are also countless dubious operations in cyberspace, which tend to specialize in “lifestyle drugs” like Viagra and Propecia. In lieu of requiring a doctor’s prescription, these rogue sites offer e-physicals in which you answer questions to determine whether or not you should be taking the medication in question. Not only is this illegal, it’s dangerous. “Viagra can kill a man with a heart condition,” says Mark Herr, former director of the New Jersey Division of Consumer Affairs. “You should not be buying Viagra online if you do not have a doctor prescribing it.”

When purchasing prescription medication online, look for an insignia bearing the initials VIPPS—which stand for Verified Internet Pharmacy Practice Sites—to find reputable sellers.

Copyrighted, SmartMoney.com. All Rights Reserved.

2.5.09

Immigration foes link flu to Mexican threat claims

Immigration foes link flu to Mexican threat claims
By JESSE WASHINGTON, AP National Writer Jesse Washington, Ap National Writer – 2 hrs 33 mins ago

The swine flu virus has infected the immigration debate, with talk show comments like "fajita flu" and "illegal aliens are the carriers" drawing vehement protests from Hispanic advocates.
The volatile immigration issue had cooled off on talk shows and in the blogosphere as the presidential election and economic crisis unfolded. Now, some are using the spread of the virus to renew arguments that immigration from Mexico is a threat to America.

There have been no reports of swine flu leading to incidents of discrimination or profiling of Hispanics. But some Hispanics say racist anti-immigration rhetoric fueled the recent rise in hate crimes against Latinos, and they want to prevent another surge.

Since the virus began to spread, talk radio host Michael Savage has said the Mexican border should be closed immediately and that "illegal aliens are the carriers." Another radio personality, Neal Boortz, has suggested calling the virus the "fajita flu," and CNN's Lou Dobbs called it the "Mexican flu," according to the liberal watchdog group Media Matters.

Boston radio host Jay Severin was suspended indefinitely for calling Mexican immigrants "criminaliens" and emergency rooms "condos for Mexicans" during a discussion about swine flu. A member of a New York City commission on women's issues, Betsy Perry, apologized for blogging that Mexico might need to "get a grip on its banditos" and other flu-related remarks.

In an interview, Savage, who says he has a Ph.D in epidemiology and human nutrition from the University of California-Berkeley, said his remarks were based on science.

"The first rule of epidemiology is to find the epicenter of the disease and close it off," he said. "This has nothing to do with race and everything to do with epidemiology. Viruses do not discriminate."

The World Health Organization does not recommend closing borders, saying that would have little effect, if any, on stopping the virus from spreading. President Barack Obama called the idea "closing the barn door after the horses are out."

What some call science, others call racism.

"Using fears over a serious and ongoing public health issue to demonize immigrants is incredibly low and incredibly cynical, not to mention completely unsubstantiated," said Sen. Robert Menendez, D-N.J. "Some of these comments are overtly racist and have no place in our public discourse."

Liany Arroyo, director of the National Council of La Raza's Institute for Hispanic Health, said some were trying to exploit the virus "as a mechanism to stir fear."

"This situation is not about immigration, it's about health," she said. "We're all in this together."
But fear is not a rational beast. History is rife with unfounded health scares, some as recent as the 1980s, when Haitians were banned from donating blood in the United States during the early stages of the AIDS epidemic.

So, for anyone who looks Mexican, today's casual cough can turn into humiliation.

In Wilmington, N.C., construction worker Juan Mendoza said he was "working for these rich people ... the other day, and they kept asking me and my co-worker if we were sick. It made me feel bad. Like it's our fault?"

Moises Fernandez, a Raleigh, N.C., resident originally from Tamaulipas, Mexico, said no Americans have openly offended him. "But I know what they're thinking," said the 24-year-old construction worker. "You can tell with how they look at you."

The immigration debate exploded in 2007 when President George W. Bush proposed an overhaul that would have legalized millions of illegal immigrants. Talk radio led the charge against the idea, calling it "amnesty," and the legislation failed to pass. Bush then increased border enforcement and workplace raids, further inflaming tension.

There were 830 Hispanic victims of hate crimes in 2007, the most recent year for which FBI statistics are available, up from 819 in 2006 and 595 in 2003. Hate-crime charges were filed in three recent high-profile killings of Latinos. That led to calls for a new federal law, and the House passed a bill last Wednesday.

Now, with Mexican drug violence seeping across the border, Obama backing a path to citizenship for the 12 million illegal immigrants, and the new swine flu, the ingredients for another explosion are assembled.
___
Associated Press writers Don Babwin in Chicago and Barbara Rodriguez in Raleigh contributed to this report.

30.4.09

Greenspan Backs Increase in Foreign Skilled Workers


APRIL 30, 2009, 6:40 P.M. ET
Greenspan Backs Increase in Foreign Skilled Workers
By FAWN JOHNSON
WASHINGTON -- Former Federal Reserve Chairman Alan Greenspan said Thursday that increasing skilled foreign workers in the U.S. could mollify housing-price declines that have caused "the plunge in the value of the vast quantity of U.S. mortgage-based securities."

If the U.S. were to open its doors more widely to skilled foreign workers, those employees would bring their families to the country and move into vacant housing units, "the current glut of which is depressing prices of American homes," Mr. Greenspan said at a Senate Judiciary Immigration Subcommittee hearing.

The number of available temporary visas for highly skilled workers is "far too small to meet the need, especially in the near future as the economy copes with the forthcoming retirement wave of skilled baby boomers," Mr. Greenspan said.

"Greatly expanding quotas for highly skilled workers would lower wage premiums of skilled over lesser skilled," Mr. Greenspan said. Current skill shortages in the U.S. create a "privileged elite" with noncompetitive high incomes. Those skill shortages exist because "we are shielding our skilled labor force from world competition," he said.

Mr. Greenspan said a separate group of workers, illegal immigrants, have made a "significant contribution" to the country's economic growth. He called for a temporary-worker program that could make use of that work force in a legal fashion.

Unions are wary of increasing temporary visas for skilled or unskilled labor. Service Employees International Union Vice President Eliseo Medina said in testimony that temporary-worker programs create a "caste worker system" that depresses wages.

From 2000 to 2007, unauthorized workers accounted for more than one-sixth of the increase in total civilian labor force, according to Mr. Greenspan. The unauthorized work force decreased last year as the economy slowed, but illegal workers still comprise 5% of the total civilian labor force.

"Unauthorized immigrants serve as a flexible component of our work force, often a safety valve when demand is pressing and among the first to be discharged when the economy falters," Mr. Greenspan said.

Unskilled illegal workers marginally suppress wage levels of native-born Americans without high-school diplomas, Mr. Greenspan said. Undocumented workers also impose significant costs on some state and local governments.

Mr. Greenspan said those costs are relatively small compared with the economic benefits of undocumented workers.

Thursday's Senate hearing, the first in a series, comes on the heels of President Barack Obama's comments Wednesday night saying he would form a working group with congressional leaders to shape legislation to overhaul immigration policies. In the meantime, Mr. Obama said the administration would take seriously "the violations of companies that sometimes are actively recruiting these workers to come in."

When he was in the Senate, Mr. Obama was involved in intense immigration negotiations led by Sens. Edward Kennedy (D., Mass.) and John McCain (R., Ariz.), as well as members of the Bush administration. A compromise measure that would have given illegal immigrants a way to earn citizenship failed in the Senate after a number of Republicans defected.

At Thursday's hearing, Subcommittee Chairman Charles Schumer (D., N.Y.) said 57% of Americans believe immigration should be a high priority for Congress. "The politics may be hard, but the reality is obvious. It is everyone's best interests to change and fix our current immigration system."
(SOURCE: http://online.wsj.com/)
Write to Fawn Johnson at fawn.johnson@dowjones.com

Food Stamps Create Jobs… in India

Food Stamps Create Jobs… in India
Several States With High Unemployment Are Outsourcing Food Stamp Services
By SCOTT MAYEROWITZ

ABC NEWS Business UnitApril 29, 2009


Michele Brown has seen Americans' struggles with jobs first hand. She lives in hard-hit Florida, spent 20 years in the real estate business and recently had her days as a nanny cut back after her boss had his own hours reduced. Several states with high unemployment rates are outsourcing their food stamp services to call centers in India, angering many residents. Michele Brown learned about Florida's outsourcing when she called regarding a problem with her benefits.


But nothing prepared her for what happened one day when she called a toll-free line to inquire about her food stamps. "The woman who answered the phone -- it's not like she wasn't nice or anything -- but it was kind of evident that she wasn't in the States," Brown said.

It turns out the woman was at a JP Morgan Chase call center in India. "That really put me over the edge," said Brown, 52, of Jupiter, Fla. "It's not right because we need the work here. People are in a bad way here."


Americans have never liked the idea of jobs going overseas. But for many, it's more offensive when taxpayer dollars -- including those in the federal stimulus plan -- go to create those jobs. And when those jobs deal with food stamps, unemployment insurance and other public benefits, well forgot irony, to many it's just downright plain insulting.

(1 of 10 Americans on Food Stamps IS DOWNRIGHT PLAIN INSULTING)


Unemployment in Florida is now 9.7 percent.


"Why is the state of Florida sending these jobs away?" Brown asked. "The thing that really iced it for me, I knew that JP Morgan had gotten bailout funds." So she called her local politicians and then she reached out to her local newspaper, the Palm Beach Post. The paper did a story two weeks ago about the $50 million Florida paid JP Morgan in the last three years to administer the food stamps distribution.


Those services include 24-hour customer-service call centers. Some of those calls were answered in Bangalore and Gurgaon, India. Others were taken at two U.S. call centers. The next day the head of the state's Department of Children and Families said something needed to change. "I don't want any calls going to India," he said. "We need to take care of this."


The state now has a commitment from JP Morgan to move all of its calls to the United States, according to Judi Spann, a spokeswoman for the Department of Children and Families. Florida isn't alone in sending its customer service calls overseas. There are three major companies that provide debit cards to food stamp recipients: JP Morgan Chase; eFunds, which is now part of Fidelity National Information Services; and Affiliated Computer Services or ACS.


JP Morgan Chase Sends Calls to India


JP Morgan is the only one today still operating public-assistance call centers overseas. The company refused to say which states had calls routed to India and which ones had calls stay domestically. That decision, the company said, was often left up to the individual states. ABC News canvassed the country, asking states about their call centers. Often state officials overseeing the programs had no idea, despite past controversies, where their calls were going. JP Morgan provides food stamp debit cards in 26 states and the District of Columbia. It also provides child support debit cards in 15 states and unemployment insurance cards in seven states.


The 130,000 food stamp families in West Virginia have their calls routed to India, according to Jerry Luck, program director for the state. "We have no complaints with the call center. We get very good service," he said. "I was born and raised in Pittsburgh. There's sometimes a communication issue between somebody from Pittsburg and somebody from Harrisburg, Pa."


The state's contract with JP Morgan expires on Aug. 31. In requests for a new contract, West Virginia has requested a domestic call center because of political concerns. The 488,000 households in Tennessee also have their calls sent to JP Morgan call centers in India. The state's contract runs through February 2012 and there are currently no plans to change it, according to Michelle Mowery Johnson, director of communications for state's Department of Human Services. She noted that there are no federal or Tennessee state laws prohibiting the outsourcing call center operations.


Unemployment in West Virginia is now 6.9 percent and 9.6 percent in Tennessee.

Other states struggled to answer questions about their call center locations. "Who would have ever thought it would be such a difficult question to answer," said Amy Kempe, spokeswoman for the governor's office in Rhode Island. She eventually learned that JP Morgan was sending the state's food stamps calls to India but now keeps them all domestically. Kempe later told ABC News however that JP Morgan was still routing calls for unemployment benefits to India.

Unemployment in Rhode Island now stands at 10.5 percent.


Following a congressional mandate in 1996, states started moving toward electronic delivery of food stamp benefits, now called Electronic Benefit Transfer or EBT.

States Save by Outsourcing


States found it cheaper to outsource these services. By switching to debit cards for food stamps and other benefits, states save millions of dollars in processing and administrative fees. Companies, including JP Morgan, filled the niche. For a fee, the bank will provide debit cards to benefit recipients. Each month, they will load money onto the cards and on a daily basis process transactions at stores. For unemployment insurance, the providers also process ATM cash withdrawals. For instance, in Michigan, JP Morgan allows unemployment recipients two free withdrawals from its network of ATMs. For each addition withdrawal, the bank takes a $1.50 fee. If somebody loses their card, the first replacement is free. The second costs $7.50. The banks also get a fee for each case they handle.


Take Indiana. JP Morgan gets 62 to 64 cents for each food stamp case handled monthly there. With 296,245 cases right now, that means the state is paying JP Morgan $183,672 a month on top of any other fees it collects. Indiana eliminated 100 full-time employees when it hired JP Morgan to make the program cost-neutral, according to Marcus Barlow, spokesman for the state's Family and Social Services Administration.


But unlike Florida, Tennessee or West Virginia, Indiana keeps all its calls domestically. In fact, all of its calls go to a call center in Maryville, Ind., Barlow said, because the state required an in-state call center when soliciting bids. Other states have rebelled against sending jobs overseas. South Carolina used to have its calls go to a JP Morgan call center in India. But in its latest contract, signed a year and a half ago, it stipulated that the calls stay domestically. Indian call-center employees typically earn about $2.50 to $3.50 an hour, roughly 70 percent less than their American counterparts, said Jagdish Dalal, a managing director at the New York-based International Association of Outsourcing Professionals. Overseas call center sites, he said, can vary from small "mom and pop shops" with 15 employees to mass operations with 3,000 seats. But Dalal added that companies that engage in outsourcing often end up facing higher costs related to infrastructure because the transportation and electrical systems in the developing countries often home to call centers, like India, aren't as reliable as in the United States. Despite these obstacles, he said, the savings from outsourcing persists, with companies saving about 25 percent to 30 percent by locating workers in foreign countries.

The Fight Against Outsourcing


In recent years, lawmakers have attempted to curb federal and state governments' use of outsourcing and met with varying degrees of success. In 2005, New Jersey passed a law essentially requiring all services under state contracts to be performed within the United States.
Since at least 2003, Congress has considered several bills related to outsourcing, including those that would limit the practice as well as one -- the "Call Center Consumer's Right to Know Act" that would require call center operators to disclose their location to callers. The act never became law. Most recently, Rep. Sue Myrick, R-N.C., proposed a bill stopping banks that receive funding under the government's Troubled Asset Relief Program -- which includes JPMorgan Chase -- from sending new call center jobs overseas. The bill was approved by the House, but did not move on from there. While JP Morgan would not say what percentage of its calls go overseas, the other two major companies said all of their calls are handled in the United States. "While we do not comment on specific client contracts, the support for all of our food stamp programs is handled domestically," Ken Ericson, director of corporate communications for ACS, said in an e-mail.


eFunds used to route calls overseas. It was acquired in 2007 by Fidelity National Information Services and now keeps all public-assistance calls domestic, according to Anthony Ficarra, who oversees the electronic benefit transfer program for the company. Fidelity is the largest food stamp servicer, handling accounts in 31 states. All of the calls go to centers in Wisconsin, Arkansas, Florida and Minnesota. "We have a large operation in India ourselves, but because of the nature of the programs, we do it all in the U.S," Ficarra said. "For us there's a long-term sensitivity to not handling those things outside the borders of the country."

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