Momwe mungafotokozere makasitomala anu makhadi osungira mankhwala

Malipiro

Anthu aku America amawononga ndalama zambiri pamankhwala osokoneza bongo kuposa nzika kulikonse padziko lapansi, malinga ndi kafukufuku wochokera ku Bungwe la Mgwirizano Wachuma ndi Chitukuko . Ndizosadabwitsa kuti 83% ya anthu ku US ali ndi nkhawa zakukwera kwamitengo ya mankhwala m'miyoyo yawo, malinga ndi kafukufuku wapadziko lonse CVS Zaumoyo . Ambiri amafika poti sangadzaze mankhwala chifukwa cha mtengo wake. Makhadi osungira ndi njira imodzi yochepetsera vutoli, ndikulola anthu kuti azisamalira okha komanso mabanja awo.

Pogwira ntchito yamankhwala, mumadzionera nokha pomwe odwala amadabwitsidwa ndi mitengo, kapena amayamba kuchoka osalipira mankhwala. Ndipo, mwina mwazindikira kugwiritsidwa ntchito kwakukula kwa makhadi osiyanasiyana kufananiza mitengo. Koma, akadali chida chatsopano posungira ndalama, chifukwa chake mutha kukumana ndi makasitomala omwe sanamvepo za makhadi osungidwa ndi mankhwala, kapena mukukayikira momwe amagwirira ntchito.

Ngati wina akukumana ndi ndalama zambiri zolipidwa kapena kulipira ndalama, mutha kugwiritsa ntchito mwayiwu kuti mumuphunzitse zosankha zomwe zingapezeke kuti muchepetse mtengo - makamaka ngati zikutanthauza kusiyana pakutsatira kapena kudumpha mankhwala. Pamene kasitomala akuyandikira, yesani kuyankha mafunso awa.

Kodi khadi yosunga mankhwala ndi chiyani?

Khadi losungira mankhwala ndi njira imodzi yochepetsera kukwera mtengo kwa mitengo yamankhwala - kaya ndi inshuwaransi kapena wopanda. Ndalama zomwe mumalandira mukalandira mankhwala amakhala pafupifupi 17% yazithandizo zamankhwala, ndipo ndalama zogwiritsa ntchito mankhwala osokoneza bongo ku US pamwezi zimaposa mayiko ena onse. Mitengo yambiri yamankhwala yakhala ikuwonjezeka ndi 400% kuyambira 2012 mpaka 2015, atero a Jennifer J. Kim, Pharm.D., Assistant Director of Pharmacy Education ku Thanzi Labwino . Anthu ambiri aku America sazindikira kuti angathe-ndipo akuyenera-kugula pamtengo wotsika kwambiri pamankhwala azamankhwala. Makhadi osungira omwe amafunsidwa amathandizira odwala kupeza mankhwala awo pamtengo wotsika.

Kodi khadi yosungira mankhwala imagwira ntchito bwanji?

Makampani omwe amapereka makhadi osungira mankhwala, ngati SingleCare , othandizana nawo ma pharmacies kuti akambirane mitengo yotsika kwa ogula. Makasitomala anu amatha kuwona mitengo kunyumba asanafike kapena kukufunsani kuti muthe kuchotsera chimodzi kapena zingapo makhadi osungira mukatenga mtengo wotsika kwambiri wamankhwala awo.

Ngakhale zomwe mwamvapo, makhadi osungira ndiabwino kwa makasitomala anu ndipo ya pharmacies.

Zolimbikitsa zitha kulimbikitsa kutsatira chithandizo powapatsa mphamvu zowalimbikitsa ndi kuwalimbikitsa odwala kupitiliza kukhala ndi thanzi labwino, atero Dr. Kim. Kuthandiza odwala kupeza mankhwala kumatumiza uthenga kuti tikuyesera kuti tigwire nawo ntchito yankho m'malo mowauza momwe ayenera kukhalira.

Kodi ndingakagwiritse ntchito kuti?

Makhadi osungira omwe angalembetsedwe atha kugwiritsidwa ntchito kuma pharmacies omwe amagwirizana ndi pulogalamu yochotsera. Khadi la SingleCare limalandiridwa mdziko lonse m'masitolo opitilira 35,000, kuphatikiza maunyolo akulu monga CVS, Target, Longs Drugs, Walmart, Walmart Neighborhood Market, Walgreens, Albertsons, Kroger, ndi Harris Teeter.

Mutha kuwona ngati kampani yanu yamankhwala imalandira khadi yosungira mankhwala pogwiritsa ntchito pulogalamuyo kapena tsamba lawebusayiti.

Zimawononga ndalama zingati kugwiritsa ntchito?

SingleCare ndi ufulu kujowina ndikugwiritsa ntchito. Simuyenera kuda nkhawa zakulembetsa kapena chindapusa. Makhadi ena osungira mankhwala amapereka mapulogalamu oyambira kuchotsera zina, koma SingleCare imapereka mtengo wotsika kwambiri kwa aliyense.

Kodi mankhwalawa agula chiyani?

Wodwala ayenera kudziwa kaye mtengo wamtengo wapakampani asanagwiritse ntchito khadi, atero a Ernest Boyd, R.Ph., director director of the Ohio Pharmacists Association. Nthawi zina mtengo wa ndalama umakhala wotsika [kusiyana ndi ndalama zamsonkho za inshuwaransi kapena khadi yosunga]. Ayenera kufunsa wamankhwala ngati mankhwala awo akupezeka ngati generic yotsika mtengo.

Makhadi ambiri osungira mankhwala, monga SingleCare, ali ndi chida chowonekera poyera chomwe chimakupatsani kufananiza mitengo musanafike pa kauntala. Pogwiritsa ntchito pulogalamu ya SingleCare kapena tsamba lawebusayiti, odwala amatha kufunafuna mankhwala omwe angalandire, kuti athe kuyika zofunikira za mtundu womwe amakonda / generic, kuchuluka kwake, ndi kuchuluka kwake, kenako ndikuwona mitengo ndi mankhwala ndi malo.

Makasitomala ali ndi inshuwaransi. Kodi angathe kugwiritsabe ntchito khadi yosungira mankhwala?

Palibe kuchotsedwa pamembala wa SingleCare. Kutanthauza, makasitomala amatha kugwiritsa ntchito makadi osungira ngati ali ndi inshuwaransi kapena ayi. Koma, simungagwiritse ntchito makhadi osungira molumikizana ndi inshuwaransi. Makasitomala ayenera kuyerekezera mitengo pazomwe apatsidwa kuti apeze mtengo wotsika kwambiri: inshuwaransi copay, mtengo wamtengo, kapena mtengo wamakadi osungira. Kenako, mutha kuthamanga kapena. Si zachilendo kuti mtengo ukhale wotsika ndi khadi yosungira kuposa copay yokhala ndi inshuwaransi, chifukwa chake nthawi zonse kumakhala kofunika kuyang'ana musanadzaze.

Ndi njira zina ziti zomwe zilipo kupatula makhadi osungira mankhwala?

Nthawi zambiri ndimalimbikitsa makhadi osungira odwala omwe sangakwanitse kupeza chithandizo chamankhwala, atero Dr. Kim. Ngati mukuvutika kulipira mankhwala kapena mankhwala omwe mukufunikira, ndi chida chimodzi mubokosi lanu lazopezera ndalama zochepa ndipo kumva bwino. Fufuzani za iwo-ndi maubwino awo-pomwe mukufufuza zida zina zosungira potengera inu kapena banja lanu.

[Zosankha zanu] zitha kuphatikizira makhadi a copay a odwala omwe amalandila ndalama zochepa omwe amakhala ndi inshuwaransi koma amakhala ndi ndalama zambiri zamankhwala, kapena makhadi ena opulumutsa pa intaneti kwa odwala omwe alibe inshuwaransi omwe amapatsidwa mankhwala amtengo wapatali, Dr. Kim akufotokoza. Kwa odwala omwe alibe inshuwaransi omwe amalandira ndalama zochepa kapena alibe, atha kukhala oyenera kulandira mankhwala aulere kudzera mumapulogalamu othandizira odwala.