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6 Ways to Reduce Prescription Drug Risk

When it comes to medication safety, the focus is frequently on whether patients are taking drugs as directed and — perhaps to a lesser extent — reducing prescription mistakes. And clinicians say many health catastrophes could be prevented if patients would consistently take medications as prescribed.

Still, another danger persists even for dutiful patients who take their medications in accordance with doctors’ recommendations. Upwards of about 7 in 10 Americans take at least one medication, and tens of millions suffer side effects. Adverse drug reactions can lead to hospitalization and even death.

It’s important to carefully assess the potential for harm before taking any medication, experts say, and take steps to reduce your risk from taking prescribed medications.

[See: These Medicines May Cause Bone Loss.]

Follow the seven-year drug rule. Within the first seven years after a drug is approved, it’s common for safety warnings — including the Food and Drug Administration’s strongest, the “black box” warning — to come to light, and for drugs to be withdrawn from the market because of serious safety concerns, says Dr. Michael Carome, director of the Health Research Group at consumer watchdog Public Citizen. “We advise people not to take the drug for seven years” after approval, he says, with exceptions only for actual breakthrough drugs — or those that offer a unique breakthrough treatment compared to what’s already on the market. For example, some newly approved medications treat so-called “orphan diseases,” rare conditions for which limited or no treatment options exist. But even in those instances, because of the limited safety information available, Carome recommends proceeding with caution.

Consider the “number needed to treat.” This statistic is essentially the number of people who take a drug before one person sees a therapeutic benefit. The website thennt.com incorporates that computation in a rating system developed by a group of physicians and quantifies the potential for benefits versus harms for certain treatments, including drug therapies, based on the latest evidence.

[See: How to Help Aging Parents Manage Medications.]

Comparison shop for safety. Pills, like cars, can be lemons. So don’t assume a brand-name drug is better than a less expensive generic or a recommended drug is the better option for you in particular drug class. Bone up on the drug’s safety record first. Start by going to the FDA’s website to read the drug label and see reported adverse events. Check out independent analysis on drug harms; older adults should consider the American Geriatrics Society Updated Beers Criteria, which identifies medications seniors should avoid or use with caution. Last updated in 2012, experts say this remains a very useful and important list for seniors to keep in mind today when weighing drug benefits against harms. Incorporate risk comparisons in discussing drug choices and alternatives with your doctor.

If you experience a new symptom, suspect the medication first. It may seem counterintuitive — and many doctors may be loathe to blame the drug they prescribed for how lousy you feel — but Helen Haskell, president of the nonprofit patient safety organization Mothers Against Medical Error, says this is exactly the rule of thumb she advises following when taking a new drug. Make sure to report such symptoms, which could be side effects, right away to your doctor. If the drug is suspected for a symptom you’re experiencing, ask about alternative medications.

Get a second opinion from your pharmacist. While your doctor is trained to practice medicine, pharmacists have in-depth medication knowledge that, experts say, should be tapped to get the full picture, including in regards to risks, for any medication you’re prescribed.

[See: 8 Questions to Ask Your Pharmacist.]

Reduce your exposure. Particularly if you’re prescribed medications by multiple specialists, talk with your primary care provider about whether it’s possible to safely reduce medications you take. Carefully discuss any newly recommended medication, its necessity and alternatives (drug and non-drug) before agreeing to take it. Should you proceed, ask to be put on the lowest possible dose that’s effective for treatment to reduce the risk of adverse drug reactions.

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6 Ways to Reduce Prescription Drug Risk originally appeared on usnews.com

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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