Kodi ndingasunge bwanji mankhwala anga?

Company Ask SingleCare Medication ndiokwera mtengo, koma pali njira zochepetsera ndalama.

Mankhwalawa ndi okwera mtengo-palibe njira ziwiri za izi. Ngati mumakhala ku US, zikutanthauza kuti mumalipira ndalama zambiri pamankhwala kuposa dziko lina lililonse lotukuka padziko lapansi. Mukakhala wachinyamata komanso wathanzi, mwina simungadandaule kwambiri. Koma ngati mutapezeka kuti muli ndi matenda aakulu kapena mukufuna mankhwala okwera mtengo, ndalamazo zimatha kuwonjezera mwachangu.

Kotala la akulu omwe amamwa mankhwala akuti ndizovuta kupeza mankhwala awo, malinga ndi zomwe anapeza Kaiser Family Foundation . Ngakhale mutakhala gawo la 75% omwe simakakamira ndalama kuti mulipire mankhwala, nthawi zonse zimakhala bwino kukhala ndi ndalama zowonjezera m'thumba lanu. Nazi njira zingapo zokuthandizani kusunga pamankhwala.

1. Yerekezerani mitengo.

Musanagule ndege, mumayerekezera mtengo wochoka nthawi zosiyanasiyana kapena kugwiritsa ntchito ndege ina. Mukamagula zovala, mutha kudikirira kugulitsa kapena kugula mtundu wina kuti musunge madola ochepa. Chifukwa chiyani kunyamula mankhwala anu kumasiyana?

Ngakhale anthu ambiri amafunikira mankhwala akuchipatala nthawi inayake m'miyoyo yawo, anthu ambiri sadziwa kuti mitengoyo imasiyanasiyana pakati pa ma pharmacies. Kusintha kuchokera ku Rite Aid kupita ku CVS kumatha kukuthandizani kuti muchepetse ndalama, makamaka popatsidwa mankhwala mobwerezabwereza. Kapenanso, kuyesa malo ogulitsira zazikulu kungakupatseni ndalama zambiri.

Osadandaula. Simuyenera kuyendera ma pharmacies angapo kuti mufananize mitengo, ngakhale mutatenga mankhwala angapo. M'malo mwake, fufuzani mankhwala anu pa SingleCare ndikulowetsani zip code yanu kuti mupeze malo ogulitsa pafupi nanu ndi mitengo yabwino kwambiri.

2. Gwiritsani ntchito khadi yosunga mankhwala.

Makhadi ochotsera, monga SingleCare, atha kukuthandizani kuti muchepetse mitengo mpaka 80%. Ndi yaulere, komanso yosavuta kugwiritsa ntchito. Ingopita singlecare.com (kapena koperani pulogalamu ), ndipo fufuzani mankhwala anu. Onetsetsani kuti mukusintha zosefera pamlingo ndi kuchuluka kwanu, kenako sankhani kuponi yamsika yomwe ili ndi mtengo wotsika kwambiri. Ngati ndi nthawi yanu yoyamba kudzaza mankhwala ndi SingleCare, mudzalandila $ 5. Kenako, nthawi iliyonse mukadzaza ina, mudzalandira $ 1 yowonjezera kumankhwala anu ndi athu Kusunga Mamembala pulogalamu.

Ma chart a SingleCare owonetsa poyera amakulolani kufananizira mtengo wamtengo wapatali ndi ndalama za SingleCare za chaka chatha. Ngati ndizotsika kuposa copay inshuwaransi yanu, mukudziwa kuti mukusunga ndalama.

3. Fufuzani coupon.

Mankhwala akakhala atsopano, nthawi zambiri amakhala okwera mtengo ndipo amangopezeka m'mawonekedwe ake. Nthawi zambiri opanga mankhwala amapereka makuponi a anthu omwe akwaniritsa ziyeneretso zina, monga kupereka chidziwitso chamankhwala kapena kukhala ndi inshuwaransi. Kusungidwa kwamankhwala ndikwabwino, koma si aliyense amene angawagwiritse ntchito.

Masitolo ogulitsa ena amapereka makuponi kuti akope makasitomala kuti adzaze nawo. Mwachitsanzo, mutha kupeza $ 25 yosunga mphatso m'sitolo kuti mukalandire mankhwala kasitomala watsopano.

4. Funsani thandizo la mankhwala.

Mapulogalamu othandizira (PAPs) alipo kuti athandize anthu omwe amafunikira mankhwala, koma sangakwanitse. Pali mitundu yambiri yosiyanasiyana yoperekedwa ndi: opanga mankhwala, maboma kapena maboma am'deralo, ndi zopanda phindu. Ambiri amadalira kuwonetsa zosowa zachuma kapena kukana kuchokera ku kampani ya inshuwaransi. Kanjimugali.org ndi malo abwino kuyamba kufufuzira ngati mungalandire kuchotsera kwa mankhwalawa.

5. Funsani generic.

Mankhwala achibadwa ndi mayina amtundu womwewo amakhala ndi zinthu zofananira zomwezo. Kutanthauza, adzakhala ndi mphamvu yomweyo pochizira matenda anu. Kusiyanitsa kwakukulu ndi mtengo kwa inu.

Mankhwala osokoneza bongo omwe amakhala ndi dzina amakhala okwera mtengo kwambiri chifukwa cha njira yayitali yopangira mankhwala. Opanga amalipiritsa zambiri kuti abwezeretse ndalama. Patent ikatha, opanga ena amatha kupanga mankhwalawo, ndipo mpikisano umatsitsa mtengo.

Mwachitsanzo, mankhwala a anticonvulsant Lamotrigine ER ali ndi mtengo wogulitsa womwe ungakhale wopitilira $ 500. Onjezani coupon ya SingleCare, ndipo ndalamazo zitha kukhala zosakwana $ 50.

6. Yesani mankhwala ena.

Madokotala ambiri amadziwa kuti mankhwala ena ndiokwera mtengo kuposa ena. Ngati mukuvutika kupereka chithandizo chanu, lankhulani ndi dokotala wanu za kuyesa mankhwala ena omwe angawonongeke pang'ono.

Khalani ndi kukambirana momasuka ndi omwe amakuthandizani azaumoyo za mtengo wamankhwala anu. BKukhala wowona mtima ndi dokotala wanu zakufunika kwa ndalama zokhudzana ndi mankhwala, akuwonetsa Shaili Gandhi, Pharm.D., Wachiwiri kwa purezidenti wa formulary ku SingleCare. Mankhwala ochiritsira akhoza kukhala ochepa pamtengo monga dzina, kapena mankhwala ena ofanana akhoza kukhala otsika kwambiri. Mukapanda kutchula za dokotala wanu, akhoza kungoganiza kuti inshuwaransi yanu izilipira ndalama zokwera mtengo

Koma inshuwaransi sikuti imalipira nthawi zonse, ndipo ngakhale itatero, timadziwa kufunikira kopeza ndalama.

Mankhwala atsopano amakonda kuwononga ndalama zambiri, pomwe maimidwe akale monga penicillin ndi ma statin amakhala ndi mitengo yotsika mtengo. Pakhoza kukhala chithandizo chofananira choyesera chosavuta pachikwama.

7. Fufuzani ngati mukufuna mankhwala amenewo.

Ngati mwakhala mukumwa mankhwala omwewo kwazaka zambiri, ndikofunikira kuti muwone ngati mukufunikirabe mankhwalawa. Onetsetsani kuti simukulipira mankhwala omwe simufunikiranso, Dr. Gandhi akuonetsa. Lankhulani ndi omwe amakuthandizani pa zaumoyo kusintha komwe kungathetsere mankhwala omwe mumalandira tsiku lililonse. Kapena, ingoyang'anirani mankhwala omwe mwakhala nawo kwa zaka zambiri.

Ngati mwasintha zina ndi zina pamoyo wanu zomwe zingagwire ntchito, zitha kuchepetsa kufunika kwa mankhwala ena. Sizipweteka kufunsa wothandizira zaumoyo wanu.

8. Funsani chakudya kwa masiku 90.

Pazomwe mungamwe mankhwala, mungaganizire za masiku 90. Amatha kuchepetsa mtengo, ndikuwonjezera mwayi. Mwanjira ina, pamankhwala omwe mukudziwa kuti mudzafunika mtsogolo - monga mankhwala othamanga magazi kapena njira zakulera - mutha kuyitanitsa kupezeka kwa miyezi itatu.

M'malo modzaza masiku 30 aliwonse, kupezeka kwamasiku 90 kumatha kutsitsa chikho chonse. Kugula mochuluka kungachepetse ndalama mpaka 29%, malinga ndi a University of Chicago kuphunzira .

9. Gulani pa intaneti (mosamala).

Mumayitanitsa pafupifupi chilichonse pa intaneti, bwanji osawonjezera mankhwala pagalimoto yanu yamagetsi? Ndi njira yabwino yopezera malonda pazinthu zina, ndipo mtengo wokwera pamankhwala wakakamiza anthu ambiri kuti afufuze pa intaneti njira zina zotsika mtengo. Onjezani zosavuta, ndipo zikuwoneka ngati wopambana-win.

Ngati mugwiritsa ntchito mankhwala ovomerezeka, atha kutero. Komabe, ndizosavuta kugula mwangozi mapiritsi abodza. Musanagule mankhwala pa intaneti, onetsetsani kuti mankhwalawa akufuna mankhwala oti mugule ndipo ndi gawo la Masamba Ovomerezeka a Internet Pharmacy (VIPPS) pulogalamu. Fufuzani zambiri zamalumikizidwe, ngati mungakhale ndi funso kwa wamankhwala, ndi zina zomwe zingakuthandizeni tsambalo ndilolondola-monga adilesi yakomweko ku U.S.

Ngati mukukayika, gwiritsani ntchito ntchito yaulere ya SingleCare yobereka. Pogwirizana ndi GeniusRx, tikupereka mankhwala 4,000 kunyumba kwathu omwe amadzazidwa kawirikawiri kumayiko onse 50, makamaka m'masiku awiri kapena atatu. Mupeza mitengo yotsika mosasinthasintha ndi kuchotsera kwakuya kwambiri pamankhwala ena omwe amadzazidwa kwambiri.

10. Ganizirani zosintha dongosolo la inshuwaransi.

Kaya mumaphimbidwa ndi inshuwaransi kudzera kwa abwana anu, kapena ndi Medicare Part D, dongosolo lanu limakulamulirani kuti mutenge deductible, mankhwala omwe akuphimbidwa, komanso copay yanu pakampani yamafuta. Ngati mwapezeka kuti muli ndi vuto latsopano, ndipo mankhwala omwe amachiza ndi okwera mtengo kwambiri, ndi nthawi yoti mufufuze zomwe mungasankhe. Kulipira pang'ono pamwezi kumatha kutanthauza kutsitsa pang'ono kapena kupititsa patsogolo mankhwala. Ndalama zomwe mumalandira mwezi uliwonse zimakhala zochepa, ndalamazo zimatha kuwerengera.

Kaya muli ndi inshuwaransi kapena ayi, pali njira zina zochepetsera ndalama zanu mthumba. Musalole kuti mitengo yokwera ikhale chifukwa chomwe simumamwe mankhwala anu!