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AI Self-Diagnosis Mistakes to Avoid

The document provides a cautionary guide on the responsible use of artificial intelligence (AI) for health-related information, emphasizing that these tools are not a substitute for professional medical care. It primarily focuses on the significant risks of using AI for self-diagnosis, noting that AI lacks the ability to consider complete medical history, understand symptomatic nuances, or perform physical exams, which can lead to misinterpretations and inaccurate suggestions. The text also outlines several beneficial uses for AI in health, such as improving health literacy by explaining complex terms and guiding users toward reputable public health sources for general information. Crucially, the source details specific mistakes to avoid, including relying on AI for mental health support, using it to self-prescribe treatments, or consulting it during medical emergencies. Ultimately, the guide advises readers to always consult a licensed health care provider for diagnoses, treatment, and personalized medical advice.

Prescription Drug Formularies and Tiers Explained

The source provides an overview of prescription drug formularies and tiers within health insurance plans, explaining how these structures impact patient costs. A formulary is defined as the list of covered medications, which are often organized into different tiers based on cost-effectiveness and clinical value. Generally, lower tiers include generic drugs with the lowest out-of-pocket costs, while higher tiers consist of more expensive brand-name and specialty medications that result in higher copayments or coinsurance. The text illustrates examples of common three-tier, four-tier, and five-tier systems, noting that some plans also require prior authorization or step therapy for certain drugs. Ultimately, understanding the plan’s formulary is essential for managing healthcare expenses and making informed decisions about prescriptions.