Ungayonga kanjani imiyalo ye-Walgreens

Imfundo Yezempilo

Eminyakeni embalwa edlule, izinhlelo zokonga ekhemisi bezitholakala kuyo yonke indawo. Iningi lamakhemisi amakhulu linikezela ngohlobo oluthile lohlelo lwesaphulelo semithi ejwayelekile. Ngemuva kwalokho, intengo yemithi ejwayelekile yaqala ukukhuphuka, futhi uchungechunge lwezitolo zezidakamizwa ngokulandelana lashiya izinhlelo zabo zokuncishiswa kadokotela ngokuphelele.

Ama-Walgreens, nokho, asanikeza i-Prescription Savings Club yayo, ebilokhu ingenye yezinhlelo ezinqala kakhulu zokuncishiswa kwemithi embonini. Ngemali encane yobulungu, iziguli ezingavikelekile nezingaphansi komshwalense zikwazi ukuthola izaphulelo ezikhethekile emithini engaphezu kuka-8,000 — eminye ngemali nje engamadola ambalwa ngenyanga.

Yini iklabhu lokonga imali leWalgreens?

I-Walgreens Prescription Savings Club inikeza izaphulelo eziphuma ephaketheni emithini eminingi ejwayelekile, eminye imithi enegama lomuthi, incwadi kadokotela izimpahla zikashukela , imigomo, kanye nezinsizakalo zomtholampilo. Amalungu amakilabhu akhokha imali yonyaka futhi azitholele izaphulelo kwimiyalo nasemisebenzini efanelekile.

IPrescription Savings Club wuhlelo lobulungu oludinga ukubhaliswa nemali ekhokhwa minyaka yonke. Ukuvuselelwa kobulungu akuyona into ezenzakalelayo nokho. Amakhasimende angabhalisa futhi avuselele ubulungu bawo esitolo noma ku-inthanethi.

Ingabe iklabhu kadokotela yinto enhle? Kwamanye amakhasimende, imali ekhokhwa minyaka yonke ayibonakali neze uma iqhathaniswa nokulondolozwa okungenzeka kube khona. Kwabanye, ukulondolozwa kungahle kungafanele izindleko nezinkinga. Kuya ngesimo, izidakamizwa ezinqunyiwe, kanye nohlobo lokumbozwa ikhasimende elizokuthola ngohlelo lwabo lomshuwalense. Ngoba lezi ziphulelo zisebenza kuphela entengo yokuthengisa yomuthi (ngaphandle kokusebenzisa umshuwalense wezempilo), ikhasimende kufanele liqhathanise i-copay yabo nomshuwalense kwisaphulelo se-Walgreens ukuthola isivumelwano esihle kakhulu. Amakhasimende anomshuwalense omuhle wezempilo angafuna ukunamathela kumshuwalense wawo, ikakhulukazi emithini enamanani aphezulu.

Izinhlelo zokongiwa kwemithi kadokotela zisiza kakhulu ezigulini ezingakatholakali zinenkinga yokuphatha amanani entengo aphezulu ezidakamizwa nalabo abanecebo lezempilo elincishisiwe. Lawa makhasimende azobuyisa imali yawo yobulungu futhi mhlawumbe ahole okuningi ngokusebenzisa ikhadi izikhathi ezimbalwa kuma-Walgreens.

Malini uhlelo lwe-Walgreens kadokotela?

Imali yobulungu yaminyaka yonke yeWalgreens Prescription Savings Club ingu- $ 20 yabantu ngabanye kanye ne- $ 35 yemindeni. Ubulungu bomndeni buhlanganisa abalingani, bonke abondliwe abangaphansi kweminyaka engama-23 ubudala, nezilwane ezifuywayo. (Lolu hlelo luhlinzeka ngezaphulelo emithini yezilwane ezifuze okufana nabantu, njenge-amoxicillin noma i-Prozac.)

Azikho izindleko ezifihliwe, imali eyengeziwe, izengezo, noma ukuthuthukiswa. Intengo oyikhokhayo yinani olikhokhayo.

Kodwa-ke, ngoba ubulungu beWalgreens Prescription Savings Club buza nesiqinisekiso sokonga, amalungu aqinisekisiwe ukuthi azokonga okungenani izindleko zobulungu bawo. Uma kungenjalo, ama-Walgreens azokhokha umehluko. Uma ubheka isiqinisekiso sokonga, izindleko zangempela zohlelo lokudokotela lweWalgreens ngu- $ 0 uma uthenga imithi yakho kadokotela ekhemisi laseWalgreens.

Othile angabuza ngokunengqondo ukuthi kungani ama-Walgreens angakhokhisa ubulungu uma eqinisekisa ukonga futhi anikela ngemali mbuyiselo engaphelele. Kungani unganikeli ubulungu mahhala? Impendulo ilula. Ukukhokha imali yekhadi kukhuthaza abantu ukuthi bathenge imishanguzo kadokotela eWalgreens noma eDuane Reade (ephethwe yiWalgreens).

Lokho akuyona into embi. Kumakhasimende akhokha imali noma angaqinisekisiwe, i-Prescription Savings Club ibeka amanani ejwayelekile ama-Walgreens ngokulingana namakhemisi abiza kakhulu. Kunezizathu eziningi ezinhle zamakhasimende athembekile zokukhetha ama-Walgreens — insizakalo, ukuphepha, ukujwayela, noma ubudlelwano bokuthembana nothile othile Usokhemisi waseWalgreens . Uhlelo lwesaphulelo luvumela lezo ziguli ukuthi zikhokhe amanani asondele kunamanani emali ephansi kakhulu emakethe futhi bahlale nekhemisi abalithandayo.

Ingabe ikhona imikhawulo?

Akuwona wonke umuntu ongajoyina lolu hlelo. Ezinye izifundazwe azinikezi i-Walgreens Prescription Savings Club, futhi zenza umehluko phakathi kwezinhlelo zokuncishiswa kadokotela nomshuwalense kadokotela. Yize izinhlelo zokonga kadokotela zibukeka zifana nomshuwalense, zinjalo hhayi umshuwalense.

Lo mehluko phakathi kwezinhlelo zomshuwalense nezaphulelo ubalulekile ekuqondeni ukuthi kungani lolu hlelo lungatholakali kuwo wonke umuntu yonke indawo.

Isibonelo, i-Prescription Drug Savings Club ayitholakali e-Connecticut, Massachusetts, Mississippi naseWashington. Abenzi bomthetho kulawo mazwe abacabangi ukuthi amakhadi esaphulelo njengokumbozwa okukhokhelwayo ngendlela efanayo nomshuwalense, noma bacabanga ngalezi zinhlelo zesaphulelo njengezithikameza ikhasimende.

Ngesizathu esifanayo, amakhuphoni esaphulelo sezidakamizwa nezinhlelo angeke zisetshenziswe uma uthenga izidakamizwa zemithi kadokotela neMedicare, Medicaid, noma omunye umshwalense wezempilo ohlinzekwa uhulumeni noma ukunakekelwa kwezempilo. Ngakho-ke, ama-Walgreens ngeke avumele abahlomuli bomshuwalense wezidakamizwa oxhaswa nguhulumeni ukuthi babhalise kwiPrescription Savings Club yabo.

Ngokuphelele, kunemikhawulo embalwa kuphela esebenza ebulungwini:

• Iziguli ezikuMedicare, Medicaid, noma yiluphi uhlelo lwezempilo oluxhaswe nguhulumeni noma lukahulumeni azifanele ukujoyina lolu hlelo.
• Ikhadi alikwazi ukusetshenziswa emakhemisi ama-Walgreens atholakala eConnecticut, eMassachusetts, eMississippi naseWashington.
• I-American Samoa, iGuam, kanye ne-Northern Mariana Islands (izindawo zase-United States) azinawo ama-Walgreens stores.
• Ekugcineni, ikhadi alinakusetshenziswa nomshuwalense ukunciphisa izindleko ze-copay zencwadi kadokotela.

Ngabe i-Walgreens Prescription Savings Club ifaka ini?

I-Walgreens Prescription Savings Club inikeza amanani ahleliwe ku- imithi ejwayelekile ephansi kakhulu , ihlukaniswe ngamanani amathathu entengo / esaphulelo:

• Izidakamizwa ze-Tier 1 kubiza u- $ 5 ngokunikezwa kwezinsuku ezingama-30 kanye no- $ 10 kokunikezwa kwezinsuku ezingama-90. Izibonelo zemithi engu-1 yi-metformin ne-penicillin.
• Izidakamizwa ze-Tier 2 kubiza u- $ 10 ngokuthengwa kwezinsuku ezingama-30 kanye no- $ 20 kokunikezwa kwezinsuku ezingama-90. ISimvastatin ne-albuterol yizibonelo zemithi engu-2.
• Izidakamizwa ezi-3 kubiza u- $ 15 ngokuthengwa kwezinsuku ezingama-30 kanye no- $ 30 kokunikezwa kwezinsuku ezingama-90. Izibonelo zemithi engu-3 zihlanganisa i-acyclovir ne-ketoprofen.

Izaphulelo zizophinde zisetshenziswe ekukhetheni izidakamizwa ezinamagama. Kodwa-ke, uma kunokulingana okujwayelekile, kuzofakwa endaweni yohlobo lwegama lomkhiqizo, noma ngabe lisohlwini lwezidakamizwa olunesaphulelo. Kulezo zimo, i-Prescription Savings Club ngeke ihlanganise umkhiqizo womkhiqizo.

Ezinye izinzuzo zohlelo lwesaphulelo zifaka:

• Izaphulelo zivuliwe imithi ehlanganisiwe
• Isaphulelo esingu-5% kuya ku-20% kumashothi wokugoma, kufaka phakathi isaphulelo esingu-20% kuma-flu shots
• Izintengo ezinesaphulelo zivuliwe ama-nebulizer namamitha eglucose egazi phakathi kwamanye amadivayisi wezokwelapha
• Izikweletu zebhonasi ngokuthenga ama-Walgreens ne-Nice! imikhiqizo enophawu engasetshenziswa ezintweni ezifanelekile esitolo sonke

Uhlelo lwebhonasi luvuza amakhasimende ngokuthenga imikhiqizo yomkhiqizo wama-Walgreens ngokungeza u-10% wenani lalokho kuthenga njengesikweletu sebhonasi ekhadini. Amakhasimende angasebenzisa isikweletu ukuthenga ezinye izinto ezikhethiwe esitolo, ngaphandle kobisi, utshwala, ugwayi, amakhadi ezipho, izitembu, nezinye izinto ezimbalwa.

Ezinye izindlela zokonga kwimiyalo yama-Walgreens

Amakhasimende angayifanelekeli i-Prescription Savings Club anezinye izinketho zokulondoloza ekuthengeni kwabo imishanguzo kadokotela kuma-Walgreens:

1. Cabanga ngeMedicaid

Iziguli ezihola kancane zingaphendukela ezinhlelweni zeMedicaid zokutholakala kwemithi kadokotela. Abazuzi beMedicaid bathola imishanguzo ejwayelekile ngaphandle kwezindleko. Ukufaneleka kweMedicaid kususelwa kumholo. Ungathola ukuthi ngabe uyakufanelekela yini ukumbozwa lapha .

2. Faka isicelo sosizo lweziguli

Abakhiqizi bezidakamizwa ezinikezwa ngamagama omkhiqizo nezinhlangano ezingenzi nzuzo banikela ngosizo lweziguli ukusiza abantu abangakwazi ukukhokhela imishanguzo yabo. Uma ikhasimende lifanelekela olunye lwalezi zinhlelo, lingakwazi ukuthola imithi yamagama womkhiqizo mahhala.

3. Gcwalisa ukunikezwa kwezinsuku ezingama-90

Njengezinye izimpahla zasekhaya nezinto ezibalulekile, ifilosofi yokuthenga ngobuningi ihlala iyiqiniso ngemiyalo, nayo. Izindleko eziphakeme kakhulu zokugcwaliswa kadokotela okukhulu zingakongela imali ngokuhamba kwesikhathi.

4. Sebenzisa ikhadi lokonga i-SingleCare

AbakwaSingleCare namaWalgreens babambisana ndawonye ngqo ukunikela ngamanani entengo aphansi kadokotela kumakhasimende abo. Amakhuphoni ezidakamizwa akwaSingleCare anganciphisa izindleko zemithi eminingi ngama-80% kumaWalgreens nakwamanye amakhemisi.