
The 10 best personal finance books of 2022
These 10 money-themed books can help you improve your finances.
Drug formulary is a term it pays to understand. Bankrate explains it.
A drug formulary is a list of brand-name and generic prescription drugs that are approved to be prescribed by a particular health insurance policy, or in a specific health system or hospital. Drug formularies are developed based on the efficacy, safety and cost of the drugs.
A drug formulary also may contain information about dosages, side effects, contraindications and other clinical information. A committee of medical professionals evaluates the drug formulary, and the clinical input and expertise of several doctors who are not committee members is necessary.
Drug formularies can help control costs for health insurers and policyholders. Patients will pay more for drugs that are not on the formulary, sometimes even 100 percent of the drug cost. Most formularies encourage generic substitution.
Sam had a fungal infection and his doctor prescribed a medication for it. Sam knew that if the drug wasn’t on his health insurer’s drug formulary, it would cost him more, so he decided to check. Sam logged in to his insurance company’s website as a member. He saw the following drugs on the formulary for fungal infections: fluconazole, griseofulvin microsize, flucytosine, itraconazole, ketoconazole tablets, nystatin oral, terbinafine, or voriconazole. Sam’s doctor had prescribed a drug that was on the list, so Sam filled the prescription.
If you’ve been hit with unexpected medical bills, a personal loan could be a big help. Check rates today at Bankrate.com.
These 10 money-themed books can help you improve your finances.
There are many ways scammers can steal identities and use them for gain, usually of a financial nature.
A significant portion of Americans experience financial worries.
Identity theft is a term that covers a variety of crimes in which someone steals another person’s personal information.
Look for a plan with a reputable provider that offers services that make you feel confident.
If you discover the breach early and act without delay, you could minimize the damage.
Here’s a breakdown of where identity theft occurs most often, according to FTC data.
Stay alert and don’t think identity theft can’t happen to you.
You can report ID theft to the FTC and your local police department.