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Drugstores, retailers dive deeper into vaccines

TOM MURPHY
AP Business Writer

Walgreen provided enough flu shots last season to protect a population roughly twice the size of Los Angeles.

CVS doled out more than 5 million, or double its total from a few years ago. And Wal-Mart, the world’s largest retailer, offers flu shots at more than 4,200 of its U.S. stores that have pharmacies.

The nation’s biggest drugstores and other retailers are grabbing larger chunks of the immunization market, giving customers more convenient options outside the doctor’s office to protect themselves against the flu, pneumonia and other illnesses. In fact, nearly half of all flu vaccines provided to adults are now administered in non-medical settings like drugstores or worksite clinics.

But this push by retailers muscles into an area of health care that was once largely the domain of the family doctor. And that stirs some concern from doctors who want to stay tuned into the health of their patients and keep track of who has received a vaccine.

Doctors often use flu shot appointments to ask patients about chronic conditions such as diabetes they may be treating, said Dr. Robert Wergin, a family physician in Milford, Nebraska, and president-elect of the American Academy of Family Physicians.

“That relationship, knowing the patient, that’s important,” he said, adding that many doctor offices have worked to become more convenient by offering same-day appointments for flu shots.

Retailers say their pharmacists can notify a customer’s primary care doctor that the patient had a flu shot, if the patient gives them the contact information, and their expansion into vaccinations isn’t meant to replace a primary care doctor visit.

“It’s all about providing our customers with access to affordable health care,” said Danit Marquardt, a Wal-Mart spokeswoman.

Retailers, some of which also offer vaccinations against diseases such as yellow fever and chickenpox, don’t disclose how much they make off vaccines. They likely represent a small slice of overall profit, but their value extends beyond what they contribute to the bottom line.

“The vaccine is, I think … a good marketing tool to bring people in,” said Eric Keuffel, a Temple University health economist.

The first flu shot Lynn Bruggemann got was an impulse purchase she made in 2011 while visiting a CVS store to buy toothpaste and shampoo. It took about 15 minutes and was covered by her insurance. That convenience has brought the 50-year-old Wyckoff, New Jersey, resident back to drugstores every year since.

“If you try to make an appointment at a doctor’s office, sometimes it’s forever to get an appointment,” she said.

In 1999, only 22 states allowed pharmacists to administer flu shots. A decade later, all 50 permitted the practice, after the outbreak of swine flu, or the H1N1 virus.

Drugstores, which had spent years opening locations nationwide, offered plenty of places for people to quickly get flu shots to guard against that global pandemic. Their stores are open on weekends and for longer hours during the day than a typical doctor’s office. Plus, they can give shots without appointments.

“It really helped increase access to the pandemic vaccine,” said Dr. Carolyn Bridges, associate director for adult immunizations for the U.S. Centers for Disease Control and Prevention. “That was, I would say, kind of the turning point.”

The number of flu vaccines distributed in the United States has nearly doubled since 2000 to 134.5 million in the 2013 to 2014 season. Bridges said she isn’t sure how much of this growth can be attributed to retail locations, but research shows that easy access is a big factor in adults getting immunizations.

Here are some common questions and answers from the CDC to consider as flu season approaches:

— Who should get a flu shot?

The government recommends annual vaccinations for all people ages six months or older.

— When should I get vaccinated?

The CDC prefers that you do this by October because it takes about two weeks for the protection to kick in. Cases of the flu usually peak between December and February, but the season can stretch as late as May and start as early as October.

— How long will the protection last?

Most healthy people produce enough antibodies to protect them through the season. But older people or those with weakened immune systems may have a shorter window for protection.

— What type of vaccinations are available?

People can get shots or nasal sprays. Some vaccines also are designed to protect against four flu viruses instead of the usual three. People ages 65 and older can get a high-dose version.

For more information, visit http://www.cdc.gov/flu/about/qa/flushot.htm.

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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