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Medical News Today
2 days ago
- Health
- Medical News Today
Zilbrysq (zilucoplan) and cost
The cost of Zilbrysq can vary based on several factors, including your insurance coverage. Coupons and drug savings programs can also lower the price you'll pay for cost and savingsAs with all medications, the cost of Zilbrysq can vary. Factors that may affect the price for Zilbrysq you'll pay include:your treatment planyour insurance coveragethe pharmacy you usethe cost of the visit to your healthcare professional to receive your first doses of Zilbrysqwhether Zilbrysq has a savings program (see the 'Financial and insurance assistance' section)To find out what the cost of Zilbrysq will be for you, talk with your doctor, pharmacist, or insurance vs. genericZilbrysq is only available as a brand-name drug. It doesn't come in a generic version. A generic drug is an exact copy of the active ingredient in a brand-name tend to cost less than brand-name ARE COSTS DIFFERENT FOR BRAND-NAME DRUGS VS. GENERIC DRUGS?Brand-name drugs can be expensive because of the research needed to test their safety and effectiveness. The manufacturer of a brand-name drug can sell it for up to 20 years. When the brand-name drug's patent expires, multiple manufacturers can create generic versions. This marketplace competition may lead to lower costs for generics. Also, because generics contain the same active ingredients as brand-name drugs, they don't require the same costly to reduce long-term drug costsIf you take Zilbrysq long term, you may be able to lower its cost in the following a 3-month supplyYou may be able to get a 90-day supply of Zilbrysq. If approved by your insurance company, getting a 90-day supply of the drug could reduce your number of trips to the pharmacy and help lower the cost. If you're interested in this option, check with your doctor, pharmacist, or insurance and insurance assistanceIf you need financial support to pay for Zilbrysq, or if you need help understanding your insurance coverage, help is available. For example:A program called ONWARD is available for Zilbrysq. For more information and to find out whether you're eligible for support, call 844-669-2731 or visit the program websites provide details about drug assistance programs, ways to make the most of your insurance coverage, and links to savings cards and other services. Two such websites are: Medicine Assistance ToolNeedyMeds» Learn more about saving money on prescriptions with or without considerationsYou may want to consider the following information if you have insurance and receive you have insurance, your insurance company may require prior authorization before it covers Zilbrysq. This means the company and your doctor will discuss Zilbrysq in regard to your treatment. The insurance company will then determine whether the medication is a drug requires prior authorization but you start treatment without the prior approval, you could pay the full cost of the medication. You can ask your insurance company whether Zilbrysq requires prior Medical News Today has made every effort to make certain that all information is factually correct, comprehensive, and up to date. However, this article should not be used as a substitute for the knowledge and expertise of a licensed healthcare professional. You should always consult your doctor or another healthcare professional before taking any medication. The drug information contained herein is subject to change and is not intended to cover all possible uses, directions, precautions, warnings, drug interactions, allergic reactions, or adverse effects. The absence of warnings or other information for a given drug does not indicate that the drug or drug combination is safe, effective, or appropriate for all patients or all specific uses.
Irish Times
2 days ago
- Business
- Irish Times
Laya Healthcare to increase prices by 4.5% from October
Laya Healthcare is to increase prices by an average of 4.5 per cent from the beginning of October. The Irish health insurance provider, which has more than 700,000 customers, blamed higher demand for private and high-tech healthcare and said that new advances in medical technology were increasing costs. The increase comes following a separate increase in premiums of 6.6 per cent at the beginning of April, and a 6.5 per cent increase in October 2024. Ten existing plans will be retired from the start of October, with customers on those plans to be contacted by the company. The insurer said it will be introducing a number of new plans in their place. READ MORE Laya said that some plans would see reduced premiums, such as its Signify plan where prices for adults are set to decrease by 1 per cent and 25 per cent for children. Its Core Connect plan has also decreased in cost. [ Laya to hike health insurance prices by 6.6% on average Opens in new window ] 'The cost of delivering healthcare is going up across the world, and Ireland is no exception,' the managing director of Laya Healthcare, DO O'Connor said. 'Demand for health services is at an all-time high, particularly in the private and high-tech hospital settings where we're seeing a 14.8 per cent increase in 2025 claim costs [year-to-date] when compared to last year.' The insurance company boss said that advances in medical technology, while 'welcome improvements' come at the 'highest cost we've seen in over 25 years'. 'Our product review aims to strike a careful balance between delivering fast access to healthcare while safeguarding affordability of cover for our members,' he said, reiterating the company's commitment to giving its members faster access to healthcare. Commenting on the increase, health insurance expert Dermot Goode said the increase was 'expected' in line with the company's 'previous trends of increasing rates twice per year', in April and in October. 'It appears that all insurers are still struggling to contain these costs especially as members want access to the new emerging treatments, drug therapies and technology,' he said. Mr Goode said that 'more increases are expected as insurers look to review their rates in advance of the peak renewal period when half the market or about 1.25 million members look to renew their cover.' 'Members need to be wary of these average figures as the actual increase on their plan may be significantly higher,' he said.
Yahoo
3 days ago
- Business
- Yahoo
Unlocking the benefits of affordable insurance
Unlocking the benefits of affordable insurance Insurance is one of those financial products that often feels like a burden until you need it. Whether you are protecting your car, home, or personal belongings, having the right coverage in place can make the difference between a manageable situation and a financial disaster. But the word 'affordable' often raises eyebrows. Does affordable insurance actually offer enough protection? Or does it just mean cutting corners? The good news is that affordable insurance does not have to mean inadequate insurance. When chosen wisely, affordable policies can provide real value and essential protection. In this guide, examines the details about the key benefits of affordable insurance and answers the most common questions consumers have when trying to secure coverage. What Does Affordable Insurance Actually Mean? Affordability is a relative term, but in the insurance world, it generally refers to coverage that delivers value at a price that fits comfortably within your budget. Several factors determine what is considered affordable for each person: Income level and monthly expenses Type of insurance needed Location (some states have higher base rates than others) Coverage limits and deductibles Driving record, home value, or personal risk profile An affordable policy should provide sufficient coverage for potential risks without being overloaded with unnecessary extras. This is especially important when you're dealing with required insurance like auto or renters insurance, where the law mandates certain minimum coverage levels. How Can Affordable Insurance Still Offer Quality Coverage? The idea that 'you get what you pay for' often leads people to assume that inexpensive insurance must be low quality. But that is not always the case. Here is how affordable insurance can still offer strong protection: Lean and focused policies: Many affordable plans cut out extras that most people do not need, keeping costs low. Technology-based savings: Usage-based driving apps and automated claims processes can lower operational costs, and those savings are passed on to the customer. Discount optimization: A well-structured policy may qualify for multiple discounts, making it more affordable without reducing coverage. Efficient underwriting: Insurers with better risk assessment can offer lower rates to lower-risk individuals without compromising coverage. The key is knowing what coverage you actually need and avoiding the temptation to buy the absolute minimum or maximum. Many budget-friendly plans still offer strong protection in essential areas like liability, collision, personal property, or medical expenses. Who Benefits Most from Affordable Insurance? Affordable insurance is beneficial to nearly everyone, but certain groups tend to see the most value from it. Families: Juggling multiple expenses like housing, child care, and transportation makes affordable insurance essential for staying financially stable. Young drivers: With limited driving history and often tight budgets, younger drivers benefit greatly from policies that provide basic protection at reasonable rates. Renters: Renters insurance is already inexpensive compared to other policies, and finding affordable options can help cover belongings and liability at a low monthly cost. Freelancers or gig workers: Frequently known as independent contractors, without employer-provided insurance, affordable health, liability, or property coverage helps protect income streams and personal assets. Seniors: Older adults on fixed incomes may need cost-effective policies for auto, health, or home coverage that still provide peace of mind. How Can You Compare Affordable Insurance Options Effectively? Finding the most cost-effective policy requires more than just looking at the lowest quote. Here's how to compare affordable insurance options in a smart, informed way. Gather multiple insurance quotes: Use reputable insurance comparison tools or reach out to several insurers directly. Review coverage details: Make sure each quote covers the same limits, deductibles, and types of protection so you are comparing apples to apples. Check for exclusions: An insurance policy may leave out important protections such as uninsured motorist coverage or flood damage. Consider customer reviews and claims satisfaction: A policy is only as good as the company backing it. Factor in deductibles: A lower premium may come with a higher out-of-pocket cost in the event of a claim. Look for hidden fees or conditions: Some policies include cancellation fees or auto-renew clauses that can affect affordability down the road. An affordable policy should be transparent, reliable, and designed to protect you from the most likely risks based on your lifestyle. Can Bundling Policies Help You Save Even More on Insurance? Yes. Bundling insurance policies is one of the most effective ways to unlock deeper savings. When you combine multiple types of coverage through the same insurer, such as auto and home, or renters and auto, you can often qualify for a multipolicy discount. Benefits of bundling include: Lower overall premiums for each policy. Convenience with a single provider, billing system, and point of contact. Improved customer loyalty benefits and additional perks over time. Easier claims handling when multiple policies are involved in a loss. Bundling is especially beneficial for households with multiple drivers, properties, or assets to protect. Just be sure to compare bundled options with standalone policies to ensure the bundled rate is genuinely the better deal. What Discounts or Programs Make Insurance More Affordable? Most insurance providers offer a wide range of discounts and special programs that can reduce your costs if you qualify. Here are some of the most common: Safe driver discounts for maintaining a clean driving record. Good student discounts for young drivers with high academic performance. Multivehicle discounts if you insure more than one car. Loyalty or renewal discounts for staying with the same provider. Pay-in-full discounts when you pay your policy upfront rather than monthly. Usage-based or telematics programs that track safe driving habits through an app or device. Paperless billing and autopay discounts. Low mileage discounts for people who drive fewer than average miles annually. Each insurer has its own criteria, so it is important to ask directly what you may qualify for during the quote process. Applying just a few of these discounts can turn an average quote into a very affordable one. From families to freelancers, anyone can benefit from quality coverage that does not come with a hefty price tag. By understanding what makes insurance affordable, how to evaluate your options, and where to find additional savings, you can protect yourself and your assets. Whether you are buying your first policy or shopping for a better deal, affordable insurance is well within reach, and it might just be one of the smartest financial moves you make. This story was produced by and reviewed and distributed by Stacker. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
CTV News
10-08-2025
- Health
- CTV News
B.C. massage therapist disciplined for submitting 97 false insurance claims
FILE: A massage table is seen in an undated image from Shutterstock. A registered massage therapist in B.C., has been disciplined for submitting dozens of false insurance claims, according to the professional regulator. Vicky Bhardwaj, who is from Kelowna, entered into a consent agreement with the College of Complimentary Health Professionals of B.C., admitting to the misconduct and accepting the consequences. An investigation into the alleged misconduct began in 2022, following a complaint from a patient, according to the agreement. However, the fraudulent billing had been discovered by the insurance provider before the complaint was made. 'Ms. Bhardwaj admitted to submitting to an insurance provider 97 fraudulent massage therapy claims for treatments related to 10 patients that were not provided as claimed by Ms. Bhardwaj,' the agreement said. 'The insurance provider completed an investigation of Ms. Bhardwaj's claims and concluded that the claims were false and that Ms. Bhardwaj had engaged in deliberate misconduct.' The college's code of ethics required Bhardwaj to report findings the insurance company's investigation, but the agreement said that did not happen. Once the college began its investigation, Bhardwaj did not admit to the full extent of the misconduct, according to the agreement. She 'falsely denied' some of the allegations, including that she submitted claims for treatments that happened when she was out of the country, the document said. 'Ms. Bhardwaj's misconduct represents a fundamental breach of trust between a health-care professional and the public. Fraudulent billing is unethical and can lead to the misuse of public or private resources intended for patient care,' the agreement said. 'This conduct has the potential to harm both individual patients and the reputation of the profession as a whole.' In addition to the suspension, Bhardwaj agreed to co-operate with random audits of her practise for one year, to complete courses on ethics, and to pay $350 to the college as compensation for some of its investigative costs.
Zawya
05-06-2025
- Business
- Zawya
Oman: Al Madina Takaful secures category ‘A' health insurance license under Oman's new regulatory framework
Muscat – Al Madina Takaful, Oman's pioneering Shariah-compliant insurance provider, proudly announces its attainment of the Category 'A' Health Insurance License under the Sultanate's newly established regulatory framework. This significant milestone, granted by the Financial Services Authority (FSA), empowers Al Madina Takaful to independently underwrite and manage health insurance policies, positioning the company at the forefront of Oman's evolving healthcare insurance landscape. The introduction of the Category 'A' licensing framework by the FSA aims to enhance regulatory oversight, improve service quality, and increase premium retention within the Sultanate. Al Madina Takaful's early adoption of this license underscores its commitment to aligning with national objectives and delivering superior, Shariah-compliant health insurance solutions to its clients. 'Securing the Category 'A' license is a testament to our unwavering dedication to excellence and our proactive approach in embracing regulatory advancements,' said Usama Al Barwani, CEO of Al Madina Takaful. 'This achievement enables us to offer comprehensive health insurance services that cater to the diverse needs of our policyholders, all within the framework of Islamic principles.' As one of the licensed medical insurers in Oman, Al Madina Takaful is poised to play a pivotal role in the Sultanate's health insurance sector. The company's robust infrastructure, experienced team, and customer-centric approach ensure that it is well-equipped to meet the growing demand for quality health insurance services. Al Madina Takaful remains committed to innovation, transparency, and excellence in service delivery, reinforcing its position as a trusted partner in Oman's insurance industry. Established in 2006, Al Madina Takaful is the first Takaful company in Oman, offering a range of Shariah-compliant insurance products and services. With a focus on customer satisfaction and ethical practices, the company continues to lead the way in providing innovative insurance solutions that meet the evolving needs of its clients. © Apex Press and Publishing Provided by SyndiGate Media Inc. (
