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Most residents of North Carolina who apply for individual health insurance apply for the innovative Blue Cross Blue Shield

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

North Carolina (BCBSNC) Blue Advantage medical insurance plan. The Blue Advantage insurance plan is a PPO health insuran

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

Examples of combination products may in

ce plan in North Carolina that individuals and families subscribe to for quality medical insurance and benefits if they don

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

t have health insurance provided for them through their job. Applicants that have no health issues get extremely low rate

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

s and a good value for their health care dollars. Blue Advantage applicants with health problems may have their insurance

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

Combination pro

remium increased to an unacceptable level after Blue Cross Blue Shield NC issues final rates.

Everyone qualifies for Blue

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

Cross Blue Shield of North Carolina's Blue Advantage insurance plan, but if an applicant has health problems, they may not

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

be able to afford the coverage. These final insurance rates are subject to appeal if the applicant thinks there has been

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

an error in medical underwriting. If applicants have a North Carolina health insurance agent like these at http://www.tha

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

keragency.com, just contact your agent and they would be happy to walk you through the appeals process.

If the applicant w

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

ould like to do the appeal on his or her own, the steps are outlined here. The Blue Advantage applicant must first contact

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

Following aspects would a

BCBSNC customer service by fax or by phone to ask for the reasons that their premium was increased. Blue Cross Blue Shie

dd to the challenges in developing combination products:

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

d North Carolina (BCBSNC) must supply the specific reason that they raised the applicant's Blue Advantage insurance rate.

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

Since this information is confidential, Blue Cross needs to speak directly with the applicant requesting the information.

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

f there is a descrepancy in the information BCBSNC sends to the applicant about the reasons why they raised the rates, the

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

NC health insurance applicant must start the formal appeals process by written request from this point within 90 days. Th

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

Professional from academic institutions, pharmaceutical industries, health care indust

applicant must also submit the past 5 years of doctors' records along with the written request that prove Blue Cross Blue

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

Shield North Carolina (BCBSNC) made an error in their underwriting.

Blue Cross of NC does make mistakes in underwriting, b

.

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

t they are willing to offer an appeal if the applicant believes BCBSNC is wrong. Under these circumstances it is best to

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

Companies that provide selfless information through particip

seek the advice of a North Carolina health insurance agent so that all of the applicant's insurance options are considered

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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