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One of the most controversial conversations I have with others is whether renting-to-own is a better choice then using

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

a credit card when purchasing a product. I am a true believer in renting-to-own. But in my own opinion both have thei

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

Examples of combination products may in

r advantages and disadvantages.

The advantage of renting-to-own is the option of returning or replacing a product if

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

amaged. I have been renting-to-own from RAC (Rent-A-Center) for many years. Every item I have purchased from RAC I hav

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

e paid off but during the renting period I have been able to return or replace the product. For example I have been pa

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

Combination pro

ying on a laptop for a few years now and I’ve had to replace the battery pack once and the battery charger once. I hav

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

about a year left on the contract so I may upgrade the unit before it’s paid off. With a credit card you are stuck wi

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

th the product even if it is unfixable.

Another advantage is building credit instead of hurting credit. We can all ag

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

ree that certain events happen in our lives that could hurt someone’s credit such as lost of job, being laid off or ev

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

n getting injured. So, let’s say that in the next 3 months a series of events occurs prohibiting me to pay the rent o

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

f my laptop. If I’ve paid my payments in those 3 months in the 4th month I can return the laptop without it affecting

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

Following aspects would a

my credit or adding interest rates that occurs with a credit card. With a credit card you still have to pay the bill a

dd to the challenges in developing combination products:

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

d also worry about those annoying debt collectors who don’t care about your problems.

Now, the disadvantage of rentin

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

g-to-own is paying almost double of the original price than if bought with a credit card. Usually when renting the pay

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

ments are broke down weekly and by the time the item is paid off it would’ve cost more than if the item was bought at

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

store. But this won’t happen if an early payout occurs. Early payouts will help lower the cost of an item.

Renting-t

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

Professional from academic institutions, pharmaceutical industries, health care indust

o-own is also limited on products. Usually the items found at RAC or at any other rent-a-center are computers, living

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

room, and kitchen or bedroom furniture. I have yet to find a rent-to-own place with things like lawn mowers.

I see no

.

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

hing wrong with renting-to-own other than a few minor disadvantages. I say rent-to-own if you have issues with your cr

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

Companies that provide selfless information through particip

edit. If you hate debt collectors then renting-to-own can be non-stressful. But please don’t knock it until you try it

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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