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What To Look For When Evaluating Medicare Prescription Drug Plan Options: The Three “C’s” of Medicare Prescription Drug Coverage

People with Medicare can start saving money by enrolling in the government’s prescription drug plan, and with open enrollment running through May 15, 2006, there is still time to save.

“This is the most significant change to Medicare since the program’s inception, and it will offer people with Medicare more choices than ever before,” said Scott Latimer, M.D., Central and North Florida Market President for Senior Products at Humana, one of the nation’s leading private sector Medicare insurers. “In order to select the plan that best meets their needs, beneficiaries will need to carefully evaluate their options prior to enrolling.”

When choosing a plan, people with Medicare and their family members and friends involved in the process need to factor three areas into their decision: affordable cost, plan coverage of required drugs and services and ease of obtaining medications.

Cost

While some plans have a monthly premium, there are Medicare Advantage plans that provide Parts A and B medical coverage and include Part D drug coverage as a built-in benefit without an additional monthly premium cost.

Plans also have varying coverage of the coverage gap, which is commonly referred to as the “doughnut hole.” Some plans offer more choices than others, including $0 deductible options, varying co-payment levels and possibly generic drug coverage through the gap.

Additionally, people with Medicare will also pay part of the cost for prescriptions, which varies depending on the drug plan chosen.

Coverage

Each Medicare drug plan has a list of the prescription drugs it covers. When comparing plans, beneficiaries need to find plans that cover all or most of the drugs they take. Many plans may also offer lower-cost generics.

Of course, insurance plans can change the list of drugs they cover. Companies must provide at least 60 days’ notice before making a coverage change. Beneficiaries can then evaluate other options and speak to their doctors about the possibility of switching to an alternate drug that is on the plan or to a generic medication.

Convenience

All private insurers offering prescription drug coverage have pharmacy networks. These include both national pharmacies such as Wal-Mart, Rite Aid and CVS and non-chain independent pharmacies. Mail-order drug delivery services may also be an option, and may be particularly beneficial for people who take multiple medications daily.

People should speak with their pharmacist about the plan they are considering. It is important to know if that pharmacy will be part of that preferred network.

Web-based tools can help calculate prescription drug costs by plan, determine all out-of-pocket costs and even allow online enrollment.



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One of the hardest but most redemptive seasons of my life happened when I spent fourteen months in a drug rehabilitation center. In all my years of writing, I have never written about this experience that has so distinctly shaped my life.

Of course, I never would have dreamed that over a year of my life during my mid-twenties would be spent in drug rehabilitation, but it happened. I began doing drugs in junior high school, mostly I guess do to the typical amount of peer pressure that most teens get from their friends. I started using drugs with great hesitation, but party after party I got a little less afraid of using drugs and that became my biggest problem. Losing my fear of doing drugs was the single worst thing that happened to me in my struggle with drug use.

My drug use became a more serious problem throughout high school and into my years at university. I thought that I was doing a great job of hiding my problem until Christmas break happened one year and my parents saw all the signs. I had great parents, by the way, and I believe that they were in no way responsible for my drug use or for my eventual need for drug rehabilitation.

My drug problem got so bad shortly after that Christmas break that I ended up agreeing to go to drug rehabilitation without any fight. Most drug users, I am told, put up a fight for a while when someone first suggests that they enter drug rehabilitation. But not me. I knew how badly I needed help and I knew that if left alone I would probably allow drugs to kill me.

My fourteen months in the drug rehabilitation center taught me more about myself and about life than I ever expected them to. I learned about my value as a human being and as a man for the first time in that center. I learned in drug rehabilitation that drugs are a substitute for a hole that is empty in my life, just as food or exercise or alcohol or any other thing can be for people. I learned that I had a huge responsibility in taking care of my life and my health.

It has been healing for me as I have begun talking about my experience with drug rehabilitation with honesty. I have never felt more free than when I am looking back on the mistakes of my past with honestly and then when I am looking forward to my future with hope.



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The Internet has revolutionized a consumer’s ability to research personal health issues and independently discover the available options of finding more affordable ways of obtaining his or her medications.

For the millions of Americans who have prescription drug plans as part of their health insurance, the actual cost of medications is somewhat obscured by the co-payment–usually a nominal fee compared to the actual cost of the drug.

But for the millions of Americans who don’t have access to prescription coverage, who must pay for their medications out of pocket, there is a crucial piece of knowledge that can save them a lot of money: The cost of prescription drugs varies from pharmacy to pharmacy. And in many cases, Internet-based pharmacies can offer even lower costs. For example, a recent survey showed that Walgreens was selling Plavix (75 mg, 90 tablets) for $405.09. SmartChoiceDrugstore.com sold the exact same drug and quantity for $353.49.

According to data collected by SmartChoice, Americans pay more for their prescription drugs than people in other countries. The reason is that pharmaceutical manufacturers sell at much higher prices to U.S. wholesale companies because they have no restrictions on pricing. Higher costs are also attributed to pharmaceutical companies spending hundreds of millions of dollars each year in sales and marketing people to push their medications on the U.S. public and doctors who prescribe the medications.

Just like online retailers from whom you’d buy books, appliances or even a car, Internet pharmacies are able to offer lower prices because of lower overhead. With no storefront (and accordant costs) to maintain, there’s less of a markup on the merchandise. The medication you receive from Internet pharmacies such as SmartChoice is identical to the medicines found at a neighborhood or chain drugstore. The only difference is what you pay. And if you take several different medications, the savings can be substantial.

At SmartChoiceDrugstore.com, each and every order is filled by a registered and licensed pharmacist. Like any U.S. pharmacy, SmartChoiceDrugstore.com undergoes rigorous governmental inspections regularly. The site is a full-service pharmacy that has access to all medications that any other pharmacy would have. And like traditional pharmacies, there are policies and procedures in place to validate prescriptions.



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For many years, when people thought of alcohol and drug rehab, the image that almost immediately came to mind was most likely a group of people, sitting in a circle in folding chairs in a big vacant room. Its true that group programs still aid many people in their quest to stop drinking and using illegal substances but most who have fell too deep into their addictions do not find relief this way. There is good news for those who need help getting over their addictions – slowly, there has been a proliferation of alternative therapies to alcohol and drug rehab. These methods may prove useful when traditional rehabilitation methods fail.

1. Why Do People Get Addictions?

The reasons for addiction are complicated and vary with each and every individual. These same reasons may be difficult for us to understand, and even a lot more difficult to resolve. Drug and alcohol rehab in recent years has taken a hard and diverse approach to the problem of addiction. Taking in consideration are the physical, emotional, and even nutritional factors that may be causes. Whether you’re seeking help for yourself or whether you are a concerned friend or family member of someone who is in a very dangerous grip of addiction, be confident that you are not the only one. Addictions come in varied forms, some are dangerous and some are not.

2. The Physiological Approach

It doesnt mean that just because you are encountering a dangerous addiction its alright to think that you are different from everyone else. It only means that you’ll need to seek out specially qualified help. Many physiological and chemical imbalances that occur in our bodies and brains may contribute or cause our feelings of depression, that can lead us into addiction as we try to self medicate to compensate for our emotional distress. We are living in an era where many problems like chemical depression and blood sugar imbalances are easily diagnosed and treated. Often, addicts who treat these underlying problems will experience great relief from the urge to feel better by drinking.

3. Blood Chemistry

The best and most popular idea we have of drug rehabilitation is the old 12-step group therapy that we so often see on television shows and movies. The fact is, science has a lot more to tell us about how our bodies and brains respond to all kinds of substances. A lot of evidence suggests that when a physiological or chemical imbalance is occurs in the brain no matter what the cause, that individual will try to compensate for the imbalance he is experiencing by self-medicating with drugs. Modern drug rehab programs often use this approach to look for chemical brain imbalances to help their patients recover. In addition to this, imbalances in blood chemistry can also lead to drug and alcohol addiction. Having problems such as low blood sugar can lead someone to self medicate so that he can cure any fatigue or anxiety that he may be feeling. A balanced nutritional intake and exercise have shown themselves to be aids in the process of drug rehab.

4. Social Theory

Usually people who are deeply addicted often have neglected themselves, so by finding a diet and exercise program, it can really lift their self image. Another advantage of exercise to anyone who is an addict is that it also provides a natural high that can help an addict to get through the rough periods in his rehabilitation. Some individuals may be comfortable with the idea of group counseling while some may have difficulty in comprehending it. An option for these kinds of people is one on one therapy, where a therapist can reach out to the deepest and most personal aspects of an addicts life. Looking for answers for addiction and possible recovery is an extremely difficult task to anyone. It takes a lot of devotion and time to even see the smallest of developments. Being able to find the right place to do the work toward recovery is an important step. The wants needs of each and every addict are different from each other, and the process of finding a place to fully recover can be a very deep, difficult, personal and intense process.



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For most of us, hearing about different types of addiction is a common occurrence. Even more difficult to bear is that most of us are close to someone affected by an addiction. When addictions are related to the abuse of a substance such as alcohol, our understanding that there is a problem may be rooted in clear and serious signs of a life out of control. But what about an addiction related to something more subtle? Could a behavior as seemingly normal as watching television become an addiction? You bet it can!

I believe television can be a “drug” because it is literally a mind-altering experience. Like any drug, it has the potential to be used responsibly or abused. Did you know that the American Academy of Pediatrics recommends no television for children under two years of age, and no more than two hours of television per day for older children? Here’s why. It is not only because of the potential for inappropriate content. In fact, for young children especially, it is the incredible stimulation that TV provides that makes it so potentially damaging. All of the flashing bright colors, loud sounds, and frequent fragmentation of reality that television encompasses is far too much stimulation for most young minds to manage. At the same time, children are like a magnet for this type of gratification, and as most parents know, can become addicted to the neurological stimulation of television very quickly. Although some people have tried to justify overexposure to electronic media by claiming it makes children smarter, those theories are little more than rationalizations for indulging in what science indicates is bad for us.

What’s the effect of repeated exposure to television stimulation? Just like what happens when a person is exposed to any drug, repeated exposure to television has the effect of dulling a person’s senses. This is precisely what we as parents experience when we ask our kids to tear themselves away from the television and in return get a blank stare or grunt and shrug! With younger children, requiring them to make a transition away from a stimulation source to which they are “hooked” often results in an instant melt-down. Noticing your child’s ability to transition between watching television and attending to the environment around him or her is a good way to determine if she or he is over-stimulated, or even possibly addicted. Kids who are addicted to television care increasingly less about the content of what they are watching, and more about getting another “hit” of electronic stimulation. The brain is an organ that is unique in that it develops in response to its environment – and if you’re continually “blasting” a young, developing mind with rapid-fire images, you may be creating a mind that craves high level stimulation but lacks the ability to focus its attention – sound familiar?

Here’s What You Can Do:

1) Make television a family activity. Discuss what you and your child are watching together. Turn down or mute the volume during commercials to ensure you are sustaining social contact. And relate events on television shows to real events in the life of your family.

2) Limit television watching to a specific period of time and to specific times of the day. Kids do better when they are required to do things before they watch TV, such as getting dressed, teeth brushed, breakfast eaten, etc., before the television set goes on. Don’t let television become the constant background to family life. Turn the TV on to watch specific shows, and then turn it off when the show is over.

Discuss alternatives to television with your children. Kids do much better accepting that they can only watch a limited amount of TV when they know you are prepared to spend time playing a game, going to the park, or helping with homework instead. When we use TV to occupy our kids so we can get other things done, we are inadvertently becoming enablers of their addiction.

3) Not all television is created equal. Look for shows that are paced appropriately for children. There are great programs for kids that don’t rely on seizure-inducing graphics to keep their attention. Don’t be afraid to censor shows; if you start when children are young by simply saying, “this show isn’t good for your brain, and I’m proud of what a smart girl (or boy) you are,” you’ll get them on the right track.



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The Healing Continues: What Do I Do Now After Drug Rehab?

Having gone through alcohol or drug rehabilitation is a major undertaking. Congratulations. Now you might be wondering several things. Where do I go from here? What do I do with my new life? What are the best strategies for staying clean and sober? The information in this article answers all of these important questions. It comes mostly from the experts: people, like you, who were once in a treatment center and have been in recovery for many years. Additional information has also been contributed from professionals that have helped recovering alcoholics/addicts after the alcohol or drug rehabilitation process.

Taking ActionThe Process

* Create a plan for after you leave. Work with your therapist, counselor or the treatment center you attended to assist you in developing an after care treatment plan. These are designed to give you a strategy for staying clean. Its a plan that will keep you on track in the recovery process. Lay person and professional experts in recovery know that an outlined plan detailing the things you can do to stay sober is valuable. Here are some of the most common, and maybe not so common, steps/actions/objectives that can be part of your plan towards a goal of staying healthy, sober and free from addiction.

* Continue with therapy. Follow up sessions with a trusted counselor or professional helps to address those issues or problems that are new for you. Life after addiction comes with new or confusing situations you will be faced with. For example, there was a man that after having been in a drug induced state for years did not know how to order his eggs at a restaurant. He would say, I just let them throw the eggs on the plate, anything to get some food in my belly. I never paid attention to or cared how they were cooked. When you are confronted with something you dont know how to handle, frustration and desire to turn to what you know best (getting high) may become overwhelming. There is no problem too small or large that a trained professional cant help you with. Its better to seek their advice and look for solutions than to return to abusing drugs or alcohol.

* Keep your body healthy. This part of the after care plan should involve listing ways you can keep your body functioning at optimum levels. Some steps may include:

* Nutrition and eating right are essential. There have been studies recently showing that the right intake of calories, vitamins and nutrients, staves off the craving for drugs and alcohol. When your body feels good, the chances are you can better fight the cravings for addictive substances.

* Drink lots of water. Water hydrates the body and maintains your body temperature. Proper hydration allows for smoother waste elimination, and keeps the body emotionally balanced. Experts that work in the crisis industry (rape crisis centers, nurses in emergency or triage, etc.) have long known the power of water in regulating a persons mood. It has a calming effect. An added bonus among many, water keeps your skin from drying out too.

* Exercise. Find an exercise routine and stick with it. If you like the gym or workout centers get a membership Take evening walks in your neighborhood after dinner. Use stairs wherever you go instead of elevators. Remember to find exercises that will bring your heart rate up (aerobic) and those that include warm-up, stretching and free-weights.

* Keep your teeth clean. One of the first things to not only put on your plan but to arrange is a dental exam. Drug use and alcohol abuse damage teeth and gums severely over time. Studies have shown that excessive plaque and tartar on the teeth carries through to our blood stream and creates a plaque build up in the arteries. This means potential heart problems and cardiovascular disease. Also, clean teeth means you will smile more and that alone will better your social life.

* Make social activities part of your plan. When youre developing your after care plan, be sure to include activities that make you happy. Socializing will decrease depression and keep you from feeling isolated. On this note, make sure to not include former drinkers or drug using buddies. Chances are very high that if you begin associating with your former partying partners (that are still using) you will quickly begin abusing the substance again. Find people that have been in recovery for a long time or others that have never had a substance abuse problem. Seek new friends, return to favorite hobbies, whatever it takes to get you out and busy.

* Find your spiritual path. Whatever spirituality means to you, discover or re-discover what it is that gives you strength through the hard times. Returning to a spiritual place that made you feel connected, worthy or special will help.

* Find the creativity within. Do you draw, paint, dance or read? Bring the creative you back to life. Creativity gives a sense of self-worth and accomplishment. This is important for anyone recovering from an addiction. By the way, start your creative processes with your treatment plan. Give thought to the social activities you like. Outline some ideas to eat foods that will not only nourish you but make you feel good, alive and energetic. There are many healthy foods that can give this feeling. Bring your creativity to your plan and make it uniquely yours.

When preparing your after care plan, make sure its what you want. There is nothing worse than having a plan that fits someone elses needs or expectations. Often in alcohol or drug treatment and detox centers we hear quite a bit about what we should do. Our days are planned with activities, counseling, meal times and social events. We become accustomed to what others think we should do to remain sober. Family and friends offer advice, your counselor or therapist may suggest items for your plan but in the end, the treatment plan belongs to you. It needs to be tailored with the purpose of achieving your goal. Your goal is to remain sober and clean. If the plan is one you want and can live with, the chances are you will respect it, follow through with the steps/objectives and stay sober for many years to come.



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The Best Help With The Medicare Prescription Drug Plan Could Be Online

No one missed the recent launch of the Medicare Prescription Drug Plan.

Countless newspaper and TV stories have chronicled the complex programs and the difficulties that many people have had finding the best plan to help them get the drugs they need.

However, many older Americans aren’t using the detailed medical information available on the Internet. A recent study by the Henry J. Kaiser Family Foundation found that only 21 percent of American senior citizens have gone online to research health information, confirming that most elderly Americans are not using the Internet to become better informed about their health and health care options.

The TV Services division of Microsoft Corp. has compiled a list of third-party online resources that seniors can use to find answers to their questions about the Medicare Prescription Drug Plan, including these sites:

• Medicare. The official government Medicare Web site now has answers to the many questions seniors have about the new Prescription Drug Plan. The site includes a Medicare Prescription Drug Plan Finder, an interactive tool that enables you to narrow your search for a Medicare prescription drug plan based on your personal preferences such as cost, coverage and convenience. Go to http://www.medicare.gov/pdphome.asp.

• AARP. AARP, the leading nonprofit, nonpartisan membership organization for people age 50 and over in the United States, has designed a site with many articles and detailed information to answer your Medicare questions. Visit http://www.aarp.org/ health/medicare.

• WebMD Inc. WebMD, the popular health information Web site, and the Henry J. Kaiser Family Foundation created a Medicare Drug Benefit Calculator to help seniors figure out what they will pay for prescriptions under the standard Medicare prescription drug plan. Visit http://www.webmd.com/content/article/113/110712.htm.

If you are a senior or you have an older family member who doesn’t use the Internet because it seems too complicated, did you know there are easy-to-use and affordable devices designed to help you get online? With the MSN TV 2 Internet & Media Player (http://www.msntv.com), you simply connect it to a regular television, plug in your phone line (for a dial-up connection) or broadband cable, sign up for MSN TV service, and you can be online within minutes, sending e-mail and researching valuable health and wellness information.

“Some Americans are still intimidated by technology and the Internet,” said Kevin Mizuhara, director of marketing for the TV Services division at Microsoft. “Our customers love MSN TV 2 because it’s easy to set up and doesn’t require computer skills to use.”

More important, the MSN TV 2 player is affordable for just about any budget. The MSN TV 2 Internet & Media Player sells for about $200 MSRP (U.S., plus monthly subscription fee). And, if you order directly from Microsoft (1-866-901-4882), monthly payment plans are available. In addition, the MSN TV 2 player is available at many retailers including Best Buy, Circuit City and Amazon.com.

“With MSN TV 2, you can check e-mail and surf the Web via a regular television from the comfort of your living room,” Mizuhara said. “And you can stay in touch with family and friends by sharing digital photos. With the rich resources available online, you can not only use the Web to research hobbies such as gardening, travel or genealogy, you can also find answers to almost any questions you may have about vital subjects such as Medicare, health, retirement and finances.”

Note to editors: The MSN TV 2 Internet & Media Player requires a subscription fee to MSN TV service and is subject to acceptance of the terms of service upon registration. A credit or debit card is required to pay for MSN TV service. MSN TV services are available as a local call in most areas. In some areas, long-distance telephone toll charges may apply.



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Teen drug use is on the rise again with the recent introduction of club drugs and the rapid spread of methamphetamines. Teens are exposed to more and more opportunities to use drugs through the increase in availability as well as opportunity since many parents work, leaving their children home alone.

Parents Must Be aware of their children’s actions, so they can detect possible signs of drug use. While some warning signs are evidence of depression, many signs present in a child are more indicative ofdrug use rather than depression.

Parentingteens.com cites numerous warning signs at home and in a school environment. The signs include a sudden change in friends, a significant drop in academics, fatigue, loss of interest in family outings, physical and verbal abuse toward others (especially those they love), lying, unhappiness, change in general appearance, and behavior. There are many other signs of warning when a child is using drugs. Try to stay in tune with your teen in order to quickly pick up on any sudden changes. If your teen is spending a lot of time in their room, then take the initiative to spend time with them in their room, perhaps watching television. Encourage your teen to open up and talk to you.

Teen drug use will always be a universal problem. The way to keep it from becoming your problem is to talk to your child and let them know you have a no tolerance rule in place for drugs. Let them know drugs will never be welcomed in your home, and always remind them how much you love them.



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Statins are a group of medications used to decrease cholesterol in the body. This reduction is shown to prevent heart attacks and strokes. Recent research, however, is shedding a new light on the potential benefits of these drugs.

In a study involving more than 50,000 patients, statins showed a benefit in patients with atherosclerotic disease, or hardening of the arteries. Not only do the medications lower cholesterol, they have favorable effects on the blood vessels, kidneys, and bone. Statins were shown to decrease blood clot formation and scientists are linking statins to a reduced risk for developing Alzheimers disease, prostate and colon cancer, bone fractures, macular degeneration, glaucoma, and osteoporosis.

Statins may also be useful for treating multiple sclerosis, rheumatoid arthritis, and certain kidney diseases. The issue at stake here is; the scientists are not exactly sure how they work to combat these diseases. What they do know for sure is statins have a proven track record in preventing strokes and heart attacks.

Researchers are speculating that cholesterol causes an increase of plaque buildup in the area of the brain damaged in Alzheimers disease. Six published studies show a decrease in dementia or Alzheimers disease in those patients using a statin. They summarize that the decrease in cholesterol reduces the damaging plaque buildup in the brain.

The breast cancer studies have conflicting results with regards to cancer protection. Of the six published studies, four concluded no effect on beast cancer. One study showed a protective benefit but only after five years of taking the statin. Another study showed a large decrease in the risk of breast cancer in women over the age of 75.

Five different studies, involving more that 75,000 people, showed that taking statins reduced fractures. In four different studies, statin use was associated with a lower risk of hip and nonspine fractures. Conversely, several studies have also shown that statins have no effect on bode density or reduction of fractures.

Two studies looked at the effects statins have on the kidneys. Results show that the statins reduced the amount of protein in the urine. An excess amount of protein is released in the urine as a result of kidney damage. Another analysis showed a significant reduction in the loss of kidney function.

Only one study has examined the benefits of statins on multiple sclerosis. At the conclusion of the research, those who received the statin had a significant reduction on multiple sclerosis markers compared to those who took a placebo.

Statins have been used successfully for years and are well tolerated with few serious side effects. A rare but serious side effect presents itself with muscle pain and tenderness. Tell your doctor immediately if you are experiencing any unusual muscle soreness or weakness.

It is still too soon to advise doctors to prescribe these medications for treating anything other than high cholesterol. The research is too conflicting and there are still too many unanswered questions. Researchers are currently examining how cholesterol adversely affects several different disease states. They are looking into whether the lowering of cholesterol has a positive effect or if the benefit is directly due to the statin.

For more free information, free articles, and free newsletter, go to www.rxcostcutters.com



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What would happen if no pharmacists were available to fill your prescription at the local drugstore, or to recognize medication errors in the emergency room?

That could be reality if America doesn’t train another 150,000 pharmacists by 2020.

According to the U.S. Department of Labor, 7,000 to 10,000 pharmacist positions are left unfilled every year.

Pharmacy graduates can expect a variety of possible career directions as well as four or five job offers. Besides earning a mean annual wage of $77,050, pharmacists can choose from a wide variety of employment settings, from research laboratories to poison control centers to veterinary clinics.

To help teachers encourage students to pursue a career in pharmacy, health and science, the pharmaceutical company Roche created a free teacher’s guide in collaboration with the Parenteral Drug Association Foundation for Pharmaceutical Sciences Inc. and WLIW New York public television.

“Encouraging students who already have an interest in health and science may be key to closing the potential shortage gap of pharmacists,” said Vivian L. Beetle, director of corporate relations and contributions for Roche. “Roche believes that teachers play a positive and vital role in directing students into a career path.”

The guide is designed to help teachers identify students with an interest in science and show them how to engage students in dialogue about career opportunities in pharmacy. It includes profiles of students who have pursued a career in pharmacy, a list of colleges and professional organizations and a student self-assessment tool.

Would your children or students succeed in a pharmacy career? They should consider the following:

* Are they good at math?

* Are they interested in science, especially biology and chemistry?

* Are they detail-oriented and focused?

* Do they care about others and want to make a positive contribution to society?

* Would they be interested in a career that offers the opportunity to work anywhere in the country?



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