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In HelloNation, Prescription Savings Expert Carl Stecker Outlines How to Lower Prescription Costs Without Insurance

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Uninsured Patients Have More Tools to Reduce Prescription Drug Costs Than Many Realize, From Generics to Patient Assistance Programs.

GREENVILLE, S.C., July 31, 2026 /PRNewswire/ — How can people without health insurance lower what they pay for prescription medications? A HelloNation article details practical strategies for reducing prescription costs without insurance, walking through options from generic medications and pharmacy price comparison to community health resources and manufacturer assistance programs.

The article starts with generic medications as the first and most accessible option for uninsured patients. A generic drug contains the same active ingredient as its brand-name equivalent and must meet the same safety and effectiveness standards set by the Food and Drug Administration. Prices for generic medications are typically far lower than brand-name versions, sometimes by 80 percent or more, making this one of the most immediate ways to reduce what a patient pays at the pharmacy.

Pharmacy price comparison is described in the article as one of the most effective steps uninsured patients can take. Prescription drug prices are not fixed across all pharmacies, and the same medication can cost significantly different amounts depending on where it is purchased. Online price comparison tools allow patients to search for a specific drug and see what multiple pharmacies in their area charge, with some patients finding savings of 50 percent or more by filling a prescription at a different nearby location.

Discount prescription programs are also highlighted as a widely available resource that does not require insurance enrollment. Prescription Savings Expert Carl Stecker’s work aligns closely with this part of the article, which explains that patients can present a discount card or use a smartphone app at the pharmacy counter to receive a reduced price, sometimes lower than what insured patients pay through their own coverage. Many of these programs are free to join and accepted at thousands of pharmacies nationwide.

The article encourages patients to speak openly with their pharmacist about cost, noting that this step is often overlooked. Pharmacists are knowledgeable about pricing options and may be aware of discounts, alternative formulations, or therapeutic substitutes that a physician has not mentioned. In some cases, a pharmacist can contact a prescribing doctor to discuss whether a lower-cost alternative would work just as well for the patient.

Pharmaceutical manufacturers offer patient assistance programs for many brand-name drugs, the article notes. These programs are designed to help people who cannot afford their medication, particularly those who are uninsured or who have exhausted other options. Many programs provide medications at no cost or at a significantly reduced price to qualifying patients, with information typically available through the drug manufacturer’s website or through a pharmacist.

Federally qualified health centers and community health clinics are identified as another resource for patients without insurance. These facilities serve patients on a sliding fee scale based on income and many have arrangements with local pharmacies to provide medications at discounted prices. Some states also operate their own pharmaceutical assistance programs for residents who meet income and eligibility requirements.

The article concludes by emphasizing that managing prescription costs without insurance takes effort but that real options exist at every step of the process. From the doctor’s office to the pharmacy counter, Prescription Savings Expert Carl Stecker’s perspective reinforces the article’s message that asking the right questions is one of the most reliable ways to keep medication costs manageable for uninsured patients.

How to Lower Prescription Costs When You Do Not Have Insurance features insights from Carl Stecker, Prescription Savings Expert of Greenville, South Carolina, in HelloNation.

About HelloNation

HelloNation is America’s Good News Network, a premier media platform built on the idea that good news travels faster when real people tell real stories. Through its community-focused digital publications and innovative “edvertising” approach, HelloNation delivers expert-driven, good-news content that informs, inspires, and spotlights the leaders making a meaningful impact in their communities.

www.hellonation.com

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SOURCE HelloNation

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Aktion Associates Climbs to No. 15 on Accounting Today’s 2026 VAR 100 List

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MAUMEE, Ohio, July 31, 2026 /CNW/ — Aktion Associates, Inc., a leading national software reseller and IT infrastructure provider, is proud to announce it has been named No. 15 on Accounting Today’s 2026 VAR 100 list, moving up one spot from No. 16 in 2025. The annual ranking recognizes the top value-added resellers (VARs) of accounting and ERP software in North America based on revenue and industry leadership.

Published annually by Accounting Today, the VAR 100 highlights the industry’s leading technology partners that help organizations select, implement, and optimize accounting and ERP solutions. The ranking recognizes firms that deliver deep product expertise while helping clients navigate evolving business challenges through consulting, implementation, support, and ongoing innovation.

“The Accounting Today recognition provides confirmation that as we approach our 50-year anniversary, our overall business strategy continues to evolve and remain relevant to the modern ERP needs of our clients,” said Scott Irwin, CEO of Aktion Associates. “Today’s organizations are looking for more than a software reseller, they’re looking for a strategic partner who can help them deliver transformation strategies, leverage AI responsibly, and maximize the return of their technology investments. We’re proud to partner with our clients throughout that journey and honored to be recognized among the industry’s leading solution providers.”

Aktion’s continued rise in the rankings reflects its ongoing investment in cloud ERP, advisory services, managed services, Data-Driven Strategy, and AI-enabled solutions that help organizations modernize operations, improve visibility, and achieve long-term business success.

This year’s VAR 100 highlights the growing demand for technology partners that deliver strategic guidance alongside software expertise. Aktion remains committed to helping organizations modernize with cloud ERP, managed services, AI-enabled solutions, and business consulting that drive measurable results.

Read more about the 2026 Accounting Today VAR 100 here:
https://www.accountingtoday.com/data/the-2026-var-100

To learn more about Aktion Associates, visit www.aktion.com.

About Aktion Associates
Aktion Associates is a North American leader in delivering software solutions, IT infrastructure, and managed services to industries including manufacturing, construction, distribution, and professional services. With a focus on empowering businesses through cutting-edge technology and dedicated customer support, Aktion is committed to helping its clients achieve sustainable growth.

 Find out more about the value of the Aktion team.

View original content to download multimedia:https://www.prnewswire.com/news-releases/aktion-associates-climbs-to-no-15-on-accounting-todays-2026-var-100-list-302840210.html

SOURCE Aktion Associates, Inc.

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ueno bank reports strongest first half on record, driven by customer growth, corporate lending and strong international backing

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ASUNCIÓN, Paraguay, July 31, 2026 /PRNewswire/ — ueno bank closed the first half of 2026 with the strongest results in its history, supported by customer growth, corporate lending expansion and increased backing from international investors and development finance institutions.

ueno bank holds a full universal banking license in Paraguay and is the largest bank by number of customers, banking transactions, debit cards and credit cards. Since launching to the market in 2021, the bank has become an important contributor to the modernization, expansion and development of Paraguay’s financial system and has reinforced the role of the financial system in Paraguay’s economic and financial development.

During the first half, ueno bank’s customer base reached 2.94 million, consolidating its position as the largest bank by customers in Paraguay and reaching around 63% of the adult population. Since its launch, the bank has brought more than 1.2 million people into the formal financial system for the first time through ueno bank, expanding access to financial products and services across the country.

Also, during 2026 the bank completed a USD 350 million international bond issuance, the largest ever undertaken by a Paraguayan bank in international capital markets. It also secured USD 171 million in new credit facilities from development finance institutions. In addition, the bank increased its capital base by USD 88 million, with USD 46 million in capitalized earnings, USD 25 million in tier 2 bonds and USD 17 million in fresh capital injection from its strategic shareholder OTP Bank Plc.

These transactions included the Development Bank of Austria’s (OeEB) first investment in Paraguay: a USD 20 million credit facility aimed at expanding financing for micro, small and medium-sized enterprises, promoting women-led entrepreneurship and supporting sustainable finance.

Finance in Motion, through the eco.business Fund, also increased its investment in ueno bank to USD 20 million to support projects related to the green economy and sustainable development.

OTP Bank, one of Europe’s leading banking groups, increased its strategic investment in U Holdings, ueno bank’s parent company, to USD 47 million, further strengthening its position as one of U Holdings’ principal shareholders.

Collectively, these transactions strengthened the institution’s capital base and financial position, expanded its access to long-term funding and supported its continued growth.

ueno bank remains committed to advancing financial inclusion, supporting individuals and businesses, and contributing to Paraguay’s sustainable economic development.

Contact:

adriana.diaz@edelman.com

View original content:https://www.prnewswire.co.uk/news-releases/ueno-bank-reports-strongest-first-half-on-record-driven-by-customer-growth-corporate-lending-and-strong-international-backing-302840218.html

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University of Phoenix white paper introduces predictive framework for improving workforce engagement and wellness

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Author Dr. Jeffery Rhymes draws on organizational research and 2026 Career Optimism Index® findings to examine how alignment among workplace experience, employee perception and capability can shape trust, belonging and career optimism

PHOENIX, July 31, 2026 /PRNewswire/ — University of Phoenix has published a new white paper, “Aligning Experience and Perception: A Predictive Framework for Improving Workforce Engagement, Wellness, and Career Optimism,” by Jeffery Rhymes, DMgt, MBA, faculty in College of Doctoral Studies and fellow with the University’s Center for Organizational Wellness, Engagement, and Belonging (CO-WEB). In the paper, Rhymes introduces the Employee Experience Perception Alignment Model, a leadership framework proposing that workforce outcomes are influenced not only by the experiences organizations intend to create, but also by how employees interpret those experiences and assess their own capabilities.

The framework draws on organizational research and findings from the 2025 and 2026 Career Optimism Index® studies to examine a growing workforce challenge: Employees’ capabilities, confidence and expectations may be evolving faster than the organizational systems designed to support them. The 2025 study found that 51% of employees reported burnout and 43% lacked access to development opportunities, even as 86% actively sought opportunities to grow. The 2026 findings indicate that artificial intelligence is adding a new dimension to this gap, with 75% of employees reporting increased confidence and 66% reporting greater control over their careers because of AI adoption.

“Organizations can design thoughtful programs, policies and employee experiences, but their impact ultimately depends on how employees interpret them,” said Rhymes. “As artificial intelligence expands employees’ capabilities, confidence and expectations, leaders need to understand whether organizational intent, employee perception and workforce capability are moving in the same direction. Treating that alignment as a leading indicator can help organizations identify risks to trust, wellness, belonging and engagement before they become more difficult to address.” 

How the Employee Experience Perception Alignment Model works

The model integrates concepts from social exchange theory, employee engagement research, organizational justice, sensemaking and self-efficacy. It organizes workforce alignment around four interconnected elements:

Organizational experience: The actions, systems and experiences an organization intends to provideEmployee perception: How employees interpret organizational actions through leadership behavior, communication, context and prior experienceEmployee capability: Employees’ perceived control, skill development and adaptability, including their ability to use emerging technologies such as AIEmployee outcomes: Engagement, organizational trust, workplace wellness, belonging and career optimism

The paper proposes that alignment among organizational experience, employee perception and capability can serve as a leading indicator of workforce outcomes. Higher alignment may support stronger trust, engagement, wellness, belonging and career optimism, while lower alignment may signal disengagement, cultural friction, reduced trust and increased turnover intent.

Artificial intelligence is reshaping employee capability and expectations

According to the paper, AI is no longer functioning only as a productivity tool. Employees are also using emerging technologies to develop skills, increase autonomy and navigate career decisions more independently. As their capabilities expand, employees may evaluate workplace systems differently, comparing the development opportunities available within their organizations with possibilities outside them.

This creates a new form of workforce misalignment. Employees may remain in their roles for stability while simultaneously preparing for career mobility, making engagement increasingly conditional rather than committed. Organizations that continue investing in employee experience without accounting for changing employee capabilities and expectations may struggle to achieve consistent outcomes.

Workforce data highlights potential alignment gaps

The paper draws on findings from the Career Optimism Index studies to illustrate the urgency of improving alignment between organizational systems and employee needs:

51% of employees reported experiencing burnout43% lacked access to professional development opportunities86% were actively seeking opportunities to develop new skills21% reported a decline in their sense of career control75% reported greater confidence because of AI adoption66% reported greater control over their careers because of AI adoption

Together, the findings suggest that organizations face both an experience gap and a pace gap: Employees want opportunities to grow, and AI may be accelerating their capabilities and expectations more quickly than workplace systems can adapt.

Five actions leaders can take to improve workforce alignment

Rhymes identifies five practical actions organizations can take to better understand and address potential alignment gaps:

Conduct perception and capability audits. Regularly assess how employees interpret workplace experiences and whether organizational systems support their evolving skills and capabilities.Implement real-time feedback mechanisms. Use ongoing communication, employee voice and feedback systems to identify emerging concerns before they negatively affect engagement, trust or wellness.Prioritize internal mobility and development pathways. Create clear opportunities for employees to build skills, pursue growth and envision a future within the organization.Align leadership behavior with organizational messaging. Ensure that leadership decisions and behaviors consistently reflect stated organizational values and commitments.Treat perception and capability as leading indicators. Evaluate employee perceptions and capabilities alongside traditional workforce measures to gain an earlier view of organizational health.

The paper also encourages organizations to integrate AI into workforce strategy, foster psychological safety and better align talent acquisition, talent management and talent development systems.

About the author

Rhymes serves as doctoral faculty at the University of Phoenix College of Doctoral Studies and is a Fellow-in-Residence of CO-WEB. As an organization and technology operational readiness leader with over 20 years of consulting experience, he specializes in enhancing employee experiences, leading high-performing teams, driving strategic talent management initiatives and making complex concepts accessible through clear and engaging communication. Rhymes earned his Doctorate in Management and MBA from University of Phoenix, and a bachelor’s in computer science from Southern University and A&M College.

The full white paper is available on the University of Phoenix Research Hub.

About University of Phoenix
University of Phoenix is Built for Real Life. 50 Years Strong. The University innovates to help working adults enhance their careers and develop skills in a rapidly changing world through flexible online learning, relevant courses, academic AI pillars, and skills-mapped curriculum for associate, bachelor’s and master’s degree programs. Active students and alumni have access to Career Services for Life® resources including career guidance and tools. For more information, visit phoenix.edu.

About the College of Doctoral Studies
University of Phoenix’s College of Doctoral Studies focuses on today’s challenging business and organizational needs, from addressing critical social issues to developing solutions to accelerate community building and industry growth. The College’s research program is built around the Scholar, Practitioner, Leader Model which puts students in the center of the Doctoral Education Ecosystem® with experts, resources and tools to help prepare them to be a leader in their organization, industry and community. Through this program, students and researchers work with organizations to conduct research that can be applied in the workplace in real time.

View original content to download multimedia:https://www.prnewswire.com/news-releases/university-of-phoenix-white-paper-introduces-predictive-framework-for-improving-workforce-engagement-and-wellness-302840220.html

SOURCE University of Phoenix

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