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Ungawachaza kanjani amakhadi okonga ekhemisi kumakhasimende akho

Ungawachaza kanjani amakhadi okonga ekhemisi kumakhasimende akhoUkuphuma

AbaseMelika basebenzisa imali ethe xaxa emithini kadokotela kunezakhamizi noma ikuphi emhlabeni, ngokusho kwedatha evela ku- Inhlangano Yezokusebenzisana Kwezomnotho Nentuthuko . Akumangalisi-ke ukuthi abantu abangama-83% e-U.S. Banezinkinga ngomthelela wokukhuphuka kwamanani ezidakamizwa ezimpilweni zabo, ngokusho kocwaningo lukazwelonke ngu I-CVS Impilo . Abaningi basesikhathini lapho bengeke bagcwalise incwadi kadokotela ngenxa yezindleko. Amakhadi wokonga kadokotela ngenye indlela yokwehlisa lowo mthwalo, futhi avumela abantu ukuthi bazinakekele bona nemindeni yabo.





Ukusebenza njengokhemisi, uzibonela mathupha lapho iziguli zishaqeka ngamanani, noma ziqala ukuhamba zingakhokhele imali kadokotela. Futhi, mhlawumbe uqaphele ukusetshenziswa okukhulayo kwamakhadi ahlukahlukene ukuqhathanisa amanani. Kodwa, kuseseyithuluzi lokulondoloza elisha, ngakho-ke ungahlangabezana namakhasimende angakaze ezwe ngamakhadi wokonga kadokotela, noma abe nokungabaza ngokuthi asebenza kanjani.



Uma othile ebhekene ne-copay ephezulu noma inkokhelo yemali, ungasebenzisa lelo thuba ukumfundisa ngezinketho ezitholakalayo zokunciphisa intengo-ikakhulukazi uma kusho umehluko phakathi kokunamathela noma ukweqa incwadi kadokotela. Lapho ikhasimende liza kuwe, zama lezi zimpendulo zemibuzo ejwayelekile.

Liyini ikhadi lokonga ekhemisi?

Ikhadi lokonga ekhemisi kungenye yezindlela zokwehlisa izindleko eziphakeme zamanani kadokotela — ngomshwalense noma ngaphandle kwawo. Izindleko zemithi kadokotela zifaka cishe i-17% yezinsizakalo zokunakekelwa kwezempilo zomuntu siqu, kanti ukusetshenziswa kwezidakamizwa zase-U.S. Ngomuntu ngamunye kudlula wonke amanye amazwe. Izintengo eziningi zemithi ejwayelekile zikhuphuke ngo-400% kusukela ngonyaka wezi-2012 kuya kowezi-2015, kusho uJennifer J. Kim, uPharm.D., UMqondisi Ongumsizi Wezemfundo Ekhemisi e Impilo Yesigaxa . Abantu abaningi baseMelika abaqapheli ukuthi bangakwazi — futhi kufanele - bathenge ngamanani aphansi emithini kadokotela. Amakhadi wokulondolozwa kwemibhalo asiza iziguli ukuthi zithole imishanguzo yazo ngezindleko eziphansi.

Lisebenza kanjani ikhadi lokonga ekhemisi?

Izinkampani ezinikeza amakhadi okonga ekhemisi, njenge-SingleCare , usebenzisana namakhemisi ukuze kuxoxiswane ngamanani aphansi kubathengi. Amakhasimende akho angabheka amanani ekhaya kusengaphambili noma akucele ukuthi uqalise izaphulelo zekhadi elilodwa noma ngaphezulu lokonga lapho bethatha ukuthola intengo ephansi yemithi yabo.



Ngaphandle kwalokho okungenzeka uzwile, amakhadi okonga alungele amakhasimende akho futhi okhemisi.

Izikhuthazo zingakhuthaza ukubambelela ngokunikeza ukuqiniswa okuhle ukukhuthaza nokubandakanya iziguli ukuthi ziqhubeke nokuziphatha okunempilo, kusho uDkt Kim. Ukusiza iziguli ukuthi zithenge imithi kuthumela umyalezo wokuthi sizama ukusebenzisana nabo ukuthola isixazululo kunokuba sizitshele ukuthi kufanele ziziphathe kanjani.

Ngingayisebenzisa kuphi?

Amakhadi wokonga kadokotela angasetshenziswa kuphela emakhemisi abambisana nohlelo lwesaphulelo. Ikhadi le-SingleCare lamukelwa ezweni lonke emakhemisi angaphezu kuka-35,000 abamba iqhaza, kufaka phakathi amaketanga amakhulu afana ne-CVS, Target, Longs Drugs, Walmart, Walmart Neighborhood Market, Walgreens, Albertsons, Kroger, noHarris Teeter.



Ungabona ukuthi ikhemisi lakho lamukela ikhadi lokonga ekhemisi usebenzisa uhlelo lokusebenza noma iwebhusayithi.

Kubiza malini ukusebenzisa?

I-SingleCare ikhululekile ukujoyina nokusebenzisa. Akudingeki ukhathazeke ngokubhaliselwe noma izimali zokumangala. Amanye amakhadi okonga ekhemisi anikela ngezinhlelo ze-premium zezaphulelo ezingeziwe, kepha iSingleCare inikeza intengo ephansi kakhulu kuwo wonke umuntu.

Imithi izobiza malini?

Isiguli kufanele siqale ngokunquma ukuthi iyini intengo yemali yekhemisi ngaphambi kokusebenzisa ikhadi, kusho u-Ernest Boyd, R.Ph., umqondisi omkhulu we-Ohio Pharmacists Association. Kwesinye isikhathi inani lemali liphansi [kunekhophi yomshuwalense noma ikhadi lokulondoloza]. Kufanele babuze usokhemisi ukuthi umuthi wabo uyatholakala yini njengohlobo olujwayelekile olungabizi kakhulu.



Amakhadi amaningi wokonga ekhemisi, njengeSingleCare, anethuluzi lokubonisa okusobala elikuvumela ukuba uqhathanise amanani ngaphambi kokufika kwikhawunta. Zisebenzisa uhlelo lokusebenza noma iwebhusayithi yeSingleCare, iziguli zingasesha imishanguzo kadokotela, zifake imininingwane efanele mayelana nomkhiqizo / ojwayelekile, isilinganiso, nobungako, bese zibona izintengo ngekhemisi nendawo.

Ikhasimende linomshuwalense. Ngabe usengakwazi ukusebenzisa ikhadi lokonga ekhemisi?

Akukho okukhishwayo kubulungu be-SingleCare. Okusho ukuthi, amakhasimende angasebenzisa amakhadi okonga kadokotela noma ngabe anawo umshuwalense noma cha. Kepha, awukwazi ukusebenzisa amakhadi wokonga ngokuhlangana nomshuwalense. Amakhasimende kufanele aqhathanise amanani emiyalo yawo ukuthola ukuthi iyiphi intengo ephansi kakhulu: i-copay yomshuwalense, intengo yemali, noma inani lekhadi lokulondoloza. Ngemuva kwalokho, ugijima noma. Akuvamile ukuthi intengo ibe ngaphansi ngekhadi lokulondoloza kune-copay enomshwalense, ngakho-ke kufanelekile njalo ukuhlola ngaphambi kokugcwalisa.



Yiziphi ezinye izinketho ezikhona ngaphandle kwamakhadi wokonga ekhemisi?

Ngivamise ukuncoma amakhadi okonga imali ezigulini angakwazi ukukhokhela izindlela zokwelashwa ezidingekayo, kusho uDkt Kim. Uma unenkinga yokukhokhela imithi noma izindlela zokwelapha ozidingayo, ziyithuluzi elilodwa ebhokisini lakho lamathuluzi lokukhokha kancane futhi uzizwe ungcono. Zihlole — nezinzuzo zazo — ngenkathi ucwaninga ezinye izinketho zamathuluzi wokonga ngokuya ngawe noma ngesimo somndeni wakho.

[Izinketho zakho] zingafaka amakhadi we-copay eziguli ezihola kancane ezenzeka zibe nomshuwalense kodwa zibe ne-prescription copay ephezulu, noma amanye amakhadi okonga online ezigulini ezingenawo umshuwalense anikezwe imishanguzo ebiza kakhulu, kuchaza uDkt Kim. Ezigulini ezingenawo umshwalense ezinemali engenayo ephansi noma engenayo, zingafanelekela ukuthola imishanguzo yamahhala ngezinhlelo zosizo lweziguli.