Yini eyenza imiyalelo ibize kakhulu?

Inkampani Buza i-SingleCare

Imithi kadokotela iyingxenye ebalulekile yokunakekelwa kwezempilo; zisiza ukuphatha izimpawu, ukwelapha ukugula, nokusindisa izimpilo. Kodwa-ke, izindleko eziphakeme zemithi kadokotela zingathatha isinqamu esikhulu kwisabelomali sanyanga zonke sabantu abaningi e-U.S. Kungalimaza nalabo abakwaziyo ukukhokhela izinhlelo ezinhle zomshuwalense wezempilo — ingasaphathwa eyabantu abakhetha iMedicare. Lawo makhophi angama- $ 30 ahlanganisa. Lapho ufaka izindlela zokwelashwa ezingakwazi ukuphuthelwa ezitholakala kuphela njengezidakamizwa ezinegama lomkhiqizo, akumangazi lokho amakhasimende angena ezikweletini ukuthola izindondo zabo.

Izindaba ezimbi ukuthi akubukeki sengathi ukusetshenziswa kwemali kwezempilo kuzokwehla noma nini kungekudala. Intengo yemithi kadokotela engaphezu kuka-3,400 kukhuphuke kakhulu ngo-2019 , ngokunyuka okuphakathi kuka-10.5%. Lesi silinganiso sifaka phakathi izidakamizwa ezingama-41 ezinamanani aphezulu adubule ngaphezu kuka-100%, kufaka phakathi I-Prozac , okuyi kukhuphuke ngama-879% . Ngeshwa, lokhu kusho ukuthi ezinye iziguli zinenkinga yokukhokhela imiyalo edingeka kakhulu noma, ezimweni ezimbi kakhulu, ukuweqa ngokuphelele .

Futhi ngaphandle kokunyuka kwentengo yaminyaka yonke, eminye imishanguzo kadokotela ibiza kakhulu emhlathini. Thatha isibonelo Humira ipeni, esetshenziselwa ukwelapha isifuba sezimo ezizimele njenge-arthritis, iCrohn's Disease, ne-ulcerative colitis. Kubiza cishe ama- $ 7,000 ukuthola izinsuku ezingama-28, okwenza kube njalo esinye sezidakamizwa ezibiza kakhulu ezitholakala e-United States ngo-2019 . Kodwa-ke, okumangalisa kakhulu Isibambiso , umuthi womdlavuza obiza cishe u- $ 19,000 ngokuthengwa kwezinsuku ezingama-28 uma umshwalense wakho ungeke uwukhokhe. Futhi leyo yimithi nje enegama lomkhiqizo ngaphandle kwemithi yokwenziwa etholakalayo. Uhlobo olujwayelekile lwe ICopaxone , esetshenziselwa ukwelapha i-multiple sclerosis, icishe ibe ngama- $ 6 300 ekunikezelweni kwezinsuku ezingama-30.

Ngaphandle kokuthi izindleko zezidakamizwa ziyithinta kanjani impilo yethu usuku nosuku, bambalwa kithi abazi kahle ukuthi imakethe yezemithi isebenza kanjani, yini ekhuphula amanani entengo aphezulu kakade emithi, nokuthi ungonga kanjani imali ezindlekweni zemithi kadokotela. Ake sibheke ukuthi kungani izidakamizwa zibiza kangaka, ukuthi izinqumo zakho zibaluleke kangakanani, nokuthi iSingleCare ingasiza kanjani.

Kungani imithi kadokotela ibiza kangaka?

1. Ukuntuleka komthethonqubo wentengo

Ezingeni eliyisisekelo, abenzi bezidakamizwa babiza isibhamu uma kukhulunywa ngokuthi zingakanani iziguli zaseMelika ezikhokhela imiyalo yazo. Ngenkathi i- Ukuphathwa Kwezokudla Nezidakamizwa ilawula ukuthi imishanguzo emisha ihlolwa kanjani, ithengiswa kanjani, futhi ikhishwa kanjani emakethe, ayinakho ukulawula intengo emithini. Okusho ukuthi, amakhasimende angaphansi kwezifiso zalokho abaningi abakubiza ngokuthi yi-Big Pharma.

NgoMeyi 2019 , abaphathi bakaTrump baphothula isidingo esisha sabakhiqizi ukufaka intengo yohlu lwezidakamizwa ezikhangisweni zabo ze-TV. Lokhu kungakhulisa ukusebenza obala ngokusiza amakhasimende aqhathanise intengo yohlu lwezidakamizwa (esethwe ngabakhiqizi) ne-copay yabo (esethwe ngabomshwalense). Eyodwa Ucwaningo luka-2013 ithole ukuthi izindleko eziphuma ephaketheni nge umshwalense weqe intengo yemali yomuthi ngaphandle umshwalense 23% wesikhathi.

2. Ukuvikelwa kokuphela kwezidakamizwa

Lapho umuthi omusha ungena emakethe, ufakwa ngokushesha ngaphansi kwawo ilungelo lobunikazi futhi ukukhishwa kwezidakamizwa kuphela ukuvikelwa, obunamalungelo obunikazi njengamanje ahlala iminyaka engama-20. Ukuba wedwa kwezidakamizwa kusho ukuthi ezinye izinkampani ezenza imithi azikwazi ukuncintisana ngokwakha imishanguzo ejwayelekile enemiphumela efanayo.

Ngomqondo, ilungelo lobunikazi nelokusebenzisa izidakamizwa kuphela khuthaza olunye ucwaningo nentuthuko wezokwelapha ezingcono futhi ezisebenza kangcono zezifo eziqeda amandla njengomdlavuza futhi zingasiza nomjaho wamanje ukuthola ukwelashwa okusebenzayo kanye nomuthi wokugomela we-coronavirus. Bavikela ngokusobala ucwaningo olutholwe kanzima ukuthi lungantshontshwa umuntu ancintisana naye. Kodwa-ke, lokhu kuvame ukushiya abakhokhi bebhajwe ngamanani aphezulu ezidakamizwa. Enye yezinkinga ezinkulu, ngokusho kwe- UPeter B. Bach , udokotela nomqondisi weCentre for Health Policy and Outcomes at the Memorial Sloan Kettering Cancer Center, wukuthi umthetho ubophezela abomshwalense ukuthi bafake umuthi ngamunye obizayo kuzinqubomgomo zabo, kungakhathalekile ukuthi usebenza kangakanani noma intengo yawo.

3. Ukunyuka kwamanani entengo ekuthengisweni kwempahla

Khonamanjalo, izinkampani zemishwalense zifaka ukukhama kubathengi ngamaphrimiyamu anyukayo wenyanga futhi izinhlelo zezempilo ezingabandakanyi njalo izidakamizwa ezinamagama . Futhi-ke kukhona abaphathi bezinzuzo zekhemisi (Ama-PBM) aphatha izingxoxo zamanani namakhemisi, izinkampani zomshuwalense, izinkampani zemithi, ngisho nabaqashi bakho ukuze beze nohlu lwemithi evunyelwe ezotholakala ngaphansi kohlelo lwakho. Kuyinto yokuthengisela i-twisty-turny chain, ekugcineni, ethinta umugqa wakho ophansi.

4. Izindleko eziphezulu zokuphatha

I-United States inamalungelo okuziqhayisa amashwa lokho izakhamizi zayo zikhokha kaningi ngaphezulu ukunakekelwa kwezempilo kunabantu bakwamanye amazwe anemali ephezulu , njengeSweden, iFrance, i-U.K., neCanada, phakathi kwezinye. I- Ijenali ye-American Medical Association kubika, Ngokuphikisana nezinye izincazelo zokusetshenziswa kwemali ephezulu, ukusetshenziswa kwemali kwezenhlalo nokusetshenziswa kwezempilo e-United States akuzange kwehluke kakhulu kwezinye izizwe ezihola kakhulu. Amanani ezabasebenzi nezimpahla, kufaka phakathi ezemithi namadivayisi, nezindleko zokuphatha kubonakale kungumthelela omkhulu womehluko ekusetshenzisweni kwemali.

5. Ukuncintisana kwemakethe okulinganiselwe

Ngokuphambene, kunezinkampani ezimbalwa zomshuwalense eYurophu naseCanada, ezibanikeza amandla embonini yezemithi. Bakhululekile ukwenqaba izidakamizwa ezinentengo ephezulu, ngakho-ke izinkampani ezithaka imithi kumele empeleni zincintisane emakethe yamahhala. Ngenxa yalokhu, amanani entengo yemithi aqondakala ngokwedlulele, futhi ngaphandle kwalokho okushiwo yimboni yezemithi, amanani aphansi akabonakali ethinta ucwaningo nokuthuthukiswa kwezidakamizwa.

Ezinye izindlela zemithi kadokotela ezijwayelekile

Naphezu kwazo zonke lezo zindaba ezimbi, ungalahli ithemba-unezinketho eziningi kunokubonakala uthola imiyalo oyidingayo ngenani lentengo elingeke likugulise (ngaphezulu). Ungakhetha imithi ejwayelekile lapho zitholakala; zingabiza kuze kufike ku-85% ngaphansi ngokwesilinganiso, futhi zinikeza izinzuzo ezifanayo zomuthi onegama lomkhiqizo. Ungahle ungabaze ukwehla okukhulu kwentengo, kepha kunencazelo elula, futhi iphathelene nemithetho ye-FDA (noma ukuntuleka kwayo).

Ngemuva kokuphelelwa yisikhathi kwelungelo lobunikazi kanye / noma lomuthi othile, ezinye izinkampani ezithaka imithi zikhululekile ukwenza uhlobo lwazo lokwelashwa, okusho ukuthi amanani entengo yezidakamizwa kufanele ancintisane kakhulu. Ngokwengeziwe, i-FDA kuyakwenza lawula ukuthi imithi ejwayelekile yenziwa kanjani, yahlanganiswa, futhi yahlolwa, ngakho-ke noma ngabe umuthi wakho kadokotela ungabonakala ubukeka uhlukile, uzosebenza ngendlela efanayo.

Isibonelo, umuthi we-ADHD URitalin ingathengwa futhi ngaphansi kwegama elijwayelekile i-methylphenidate, futhi kaningi ngentengo eshibhile. I-Metformin , esetshenziselwa ukwelapha Uhlobo lwesifo sikashukela kanye ne-polycystic ovary syndrome, iyatholakala ngaphansi kwamagama ezimpawu I-Glucophage , Amahlaya , noRiomet; ungathola i-generic glucophage ngama- $ 30 kuye ku- $ 40 ngesigqebhezana se-SingleCare, kuyilapho iGlumetza ingu- $ 1,000, kuya ngokuthi uhlala kuphi. Futhi, kunjalo, izindleko ze- insulini kuyinkanyezi. Ngo-2019, umkhiqizi wezidakamizwa u-Eli Lilly neNkampani bakhishwe I-insulin Lispro , inguqulo eshibhile, ejwayelekile ye-Humalog.

Ngokusho kwe- Ihhovisi leBhajethi yeCongressal , imishanguzo ejwayelekile isindisa abathengi ngokwesilinganiso sama- $ 8 kuya ku- $ 10 billion ngonyaka. Ngakho ngokuzayo lapho udokotela wakho ekubhalela incwadi kadokotela, qiniseka ukuthi ubuza ukuthi ingabe umuthi omusha, nokuthi ngabe kukhona uhlobo olujwayelekile olutholakalayo.

Amathuluzi okonga kadokotela: Izaphulelo, osokhemisi, namakhadi ezidakamizwa

Ukwenza okujwayelekile kungakusiza ukonga ezindlekweni zokuyalelwa. Kukhona nezinye izindlela ezahlukahlukene zokuthola amanani angcono kakhulu emithi. Konke okudingayo ukwazi okuncane nokubekezela, futhi okungenani ungenza isifaca ngokuthi usebenzisa malini kwimiyalo.

Isimanga esikhulu kunazo zonke ukuthi ukukhokhela imiyalelo usebenzisa umshwalense wakho kungahle kungalondolozi mali nakancane. I-copay yendabuko engu- $ 10 emithini ejwayelekile izwakala inengqondo ekuqaleni, kepha leyo mithi efanayo ingakubiza cishe u- $ 3 uma ukhokha uphuma ephaketheni ngaphandle komshwalense.

Futhi noma ngabe unomshuwalense noma cha, kufanele uhlale ubheka izindleko zemithi yakho ekhadini lokulondolozwa kwekhemisi, njengeSingleCare. Ungagcina kuze kufike ku-80% kumuthi wakho kadokotela — futhi akukho zinkokhelo ezifihliwe noma okubanjiwe.

Ungabuza futhi usokhemisi wakho ngezinhlelo zosizo lweziguli, izinkampani eziningi zemithi ezinikezela ngemiyalelo kanye nemithi yokugoma, ngokuya ngeziqu ezahlukahlukene.

Enye indlela enhle yokonga imali ukwenza qhathanisa amanani ezidakamizwa zeRx emakhemisi ahlukene - abanye bazokhokhisa imali engatheni ngemithi ethile, kanti abanye banganikela ngemali ephansi yokuhambisa. Iya ku-singlecare.com bese ufaka umuthi wakho, bese ukhetha i-zip code yakho ukuqhathanisa intengo yezidakamizwa emaketangeni endawo nasezitolo ezinkulu zebhokisi.

Abantu base-U.S. Bazizwa sengathi abanakho ukukhetha uma kuziwa ekugcwaliseni imiyalo yabo, kodwa iSingleCare inikeza indlela esobala futhi engabizi kakhulu yokuthola imithi oyidingayo.