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Three ways to manage your pharmacy benefits

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Today, health care costs are hitting employers in the pocketbook. Hospitalization, pharmacy and dental costs have risen in the last few years.

Here are three strategies to better manage your pharmacy benefits in 2006: Increase generic use, encourage mail-order delivery, and educate your employees.

About $50 billion worth of brand-name drugs will lose patent exclusivity over the next five years, meaning more consumers will have access to lower-cost medication. Mail-order delivery makes sense when a chronic condition is involved and can save cost. Teach your employees on what the benefit does and does not cover, how they can get the lowest cost alternatives, utilization and compliance. Managing these options can save you money.

Curtis Moring Insurance (CMI) can assist your non-profit organization or church, create, custom solutions that minimize increases in benefit cost. This can have a positive impact on your company's bottom line.

Creating the right employee benefits program. Are you on the right track?

When creating the right employee benefits program, using a "one size fits all" process may not provide your company the coverage you are looking for.

Today, companies understand they must provide a comprehensive and cost effective benefits package to attract and retain their most talented employees.

Curtis Moring Insurance understands this and is ready to provide assistance to your company in creating a custom program that meets the unique needs of your business. We specialize in nonprofit programs.

CMI represents most of the major carriers, i.e. Kaiser Permanente, CIGNA & Blue Cross of California, are just a few. This gives your company options on price and variety of benefits. Our experienced staff will negotiate rates on your behalf, and create a benefits plan you and your employees can count on. CMI is just a click away.

For more information, visit www.thinkcmi.com or call 1-800-321-0677.

Submitted by Curtis Moring Insurance Agency Inc.

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