Others - Finance

Credit counseling is professional counseling provided by organizations to help peopl

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

e find ways to pay off their debts. People usually use this as a last recourse when

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

Examples of combination products may in

hey have serious debt problems. Credit counselors advise their clients by suggesting

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

ways like careful budgeting and management of money. They can also negotiate with cr

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

editors to get them waive charges for late payments, extend the term of the loan and

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

Combination pro

lower interest rates.

How do you choose a credit counseling agency? Most of these o

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

ganizations are non-profit or they charge fees which are affordable. Of course one w

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

ouldn’t want to be in further debt by acquiring the services of credit counselors wh

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

charge such high fees. Furthermore, you must choose a credit counseling organizatio

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

that is accredited by a respectable network of credit counseling agencies. Also, do

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

a search on their track record if they have given satisfactory service to their clie

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

Following aspects would a

nts. Do not accept offers of those who urge you to make “voluntary contributions” wh

dd to the challenges in developing combination products:

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

ch would add more to your debt.

Besides helping the client develop a budget and man

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

ge finances, counselors also offer free educational materials and workshops. They mu

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

st be certified and trained in the areas of consumer credit, money and debt manageme

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

t and budgeting. Initial counseling lasts an hour and during this time the counselor

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

Professional from academic institutions, pharmaceutical industries, health care indust

will discuss the client’s entire financial situation and will provide preliminary st

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

eps in developing a financial plan to solve the client’s money problem.

Services of

.

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

this kind are offered through local offices, the internet or on the phone. It is gre

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

Companies that provide selfless information through particip

tly advised however to discuss financial matters through person-to-person counseling

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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