Forms of the cost division, by being able to take a multiplicity of the forms, everyone to that patient by users use up-requiring medicines cost division, with its own behavior and clinical consequences. Full Out OF pocket expenditure Thepatientmaybe asked topay out ofpocket over around the full priceofprescribed small drugs. This is still more general, than e.g. for those approximately 45 million persons can be accepted in the United States without health insurance cover on any time. It is also thus for the older Americans, who are taken off by the Medicare modernization act of 2003, requires patients, 2006, from bag completely to pay for the first $250 of expenditure for drug in one year (the annual „Deductible "), then 25% of annual expenditure over $250 however under $2.250, but on the other hand peel it to the zero-insurance cover again for annual expenditure over $2.250 however under $5.100 (the Krapfenloch so called) over, and afterwards the patient is responsible for 10% of annual expenditure over $5.100, if the Deductible and Krapfenloch in the run grow the time (emperors Familien-Grundlage 2005). Use up-requiring medicines are not covered provinzielle health insurance plans for Canadians, who are neither older persons nor arms under the government run. In many the poor, developing countries, is the mass of expenditure for health completely from bag, including the expenditure on use up-requiring medicines out. Gradated Copays or reinsurance of insurance plans over theworld, which had covered traditionally the full costs that use up-requiring medicines, has, to up-succumb begun in the last decade or in such a way, either to Deductibles or different forms of the gradated cost division patient. The most general form of the gradated cost division is not flattens copayments per the regulation been, at size varied by gene Eric, Markennamedrogen on the formula of the insurer and label name on the formula of the insurer. Although sketched to stimulate patients toward to gene Eric or the label name drugs which are preferred of the insurer, holds only impressing copayments the full price of the bought products, which are hidden of the opinion of the patient. For this reason many insurance plans presented gradated reinsurance. Under such a plan e.g. the insured ones can be asked, 10% of the costs of a generic drug, 20% of the costs of a label name drug on the formula of the insurer, 40% of the costs of the label name drugs not on the formula to pay the pharmaceutical sector in health care 49 and naturally 100% the drugs of any kind, which is not covered at all by the insurance plan.