Advice You - Finance

Do you feel that with gas prices going up, our wallets get lighter each time we fill up the t

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

ank? How about getting some of that cash back? Well, this would be possible if you have a Dis

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

Examples of combination products may in

over Platinum Gas Card.

For the first $1500 purchase in a year, card holders are able to get

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

a cash back value of 0.25% of credit card charges in cash. Once their charge value hit a rang

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

of between $1500 and $3000, that percentage goes up to 0.5%, whilst credit card charges surp

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

Combination pro

assing $3000 are eligible for a 1% cash back reward. Also, these numbers go higher whenever t

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

ere are special promotions. In fact, sometimes the cash back value even doubles that of the u

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

ual amount.

Other than the attractive cash back reward program, Discover Gas Card users are

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

lso able to enjoy special privileges with some of Discover’s merchant partners such as Hyatt

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

Hotel, Royal Caribbean Cruises and car rental companies. Also, when Discover Gas Card users s

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

gn up for Discover’s Get More Program, they are able to earn up to 5% in cash back bonuses ju

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

Following aspects would a

t by making purchases at any of the partner stores or when redeeming gift certificates. Howev

dd to the challenges in developing combination products:

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

r, gas purchases are limited to $25000.

Finally, we come to the APRs, which is a strong dete

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

rmining factor especially for consumers with large outstanding balances. The regular APR for

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

he Discover Gas card is set around 10.99%, although these rates are tied to the Prime Rate an

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

may increase. Other factors affecting the rate would be an applicant’s credit rating. Initia

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

Professional from academic institutions, pharmaceutical industries, health care indust

ly, a new card holder will be able to use the card on a 0% APR basis for up to a year. This i

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

n itself is a great benefit to have as the standard interest rate computation system for this

.

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

card is based on a two-cycle Average Daily Balance. Thus, if you do not pay off your monthly

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

Companies that provide selfless information through particip

utstanding balances, this would not be a good card to own once the promotional period is over

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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