Nchiyani chimapangitsa kuti mankhwala akhale okwera mtengo kwambiri?

Company Funsani SingleCare

Mankhwala osokoneza bongo ndi gawo limodzi lazaumoyo; Amathandizira kuthana ndi zizindikilo, kuchiza matenda, komanso kupulumutsa miyoyo. Komabe, kukwera mtengo kwa mankhwala akuchipatala kumatha kutenga ndalama zochuluka pamwezi pamwezi kwa anthu ambiri ku U.S. Zitha kupweteketsa iwo omwe angathe kupeza mapulani a inshuwaransi yabwino-osanenapo za anthu omwe asankha Medicare. Mapepala $ 30 amenewo amawonjezera. Mukakhala kuti simungathe kuphonya chithandizo chomwe chimapezeka ngati mankhwala osokoneza bongo, sizosadabwitsa kuti makasitomala akulowa ngongole kuti atenge meds awo.

Nkhani yoyipa ndiyoti sikuwoneka ngati ndalama zothandizira zaumoyo zitha nthawi iliyonse posachedwa. Mtengo wa mankhwala oposa 3,400 akuchipatala idakwera mu 2019 , ndikuwonjezeka kwapakati pa 10.5%. Chiwerengerocho chimaphatikizapo mankhwala 41 okhala ndi mitengo yokwera yomwe idawombera zoposa 100%, kuphatikiza Prozac , yomwe adakwera 879% . Tsoka ilo, izi zikutanthauza kuti odwala ena akuvutika kuti alipire mankhwala omwe amafunikira kwambiri kapena, poyipa kwambiri, kuwalumpha onse palimodzi .

Ndipo ngakhale popanda kukwera mitengo pachaka, mankhwala ena omwe mumalandira amakhala okwera mtengo kwambiri. Mwachitsanzo, taganizirani za Humira cholembera, chomwe chimagwiritsidwa ntchito pochiza bevy yazodzitchinjiriza monga nyamakazi, Matenda a Crohn, ndi ulcerative colitis. Zimatenga pafupifupi $ 7,000 patsiku la 28, ndikupanga imodzi mwa mankhwala okwera mtengo kwambiri omwe akupezeka ku United States mu 2019 . Komabe, chodabwitsa kwambiri ndi Wothandizira , mankhwala a khansa omwe amawononga $ 19,000 pamasiku 28 ngati inshuwaransi yanu singakwanitse. Ndipo amenewo ndi mankhwala osokoneza bongo omwe alibe ma generic. Mtundu wa Copaxone , omwe amagwiritsidwa ntchito pochiza matenda ofoola ziwalo, ali pafupifupi $ 6,300 patsiku la 30.

Ngakhale momwe mankhwala osokoneza bongo amakhudzira thanzi lathu tsiku ndi tsiku, ochepa a ife timadziwa momwe msika wamafuta umagwirira ntchito, zomwe zimakweza mitengo yamankhwala okwera kale, komanso momwe tingasungire ndalama pazolipira. Tiyeni tiwone chifukwa chake mankhwala osokoneza bongo amawononga ndalama zambiri, momwe zosankha zanu zilili zofunika, komanso momwe SingleCare ingathandizire.

Kodi mankhwala osokoneza bongo ndi okwera mtengo bwanji?

1. Kusowa kwamalamulo pamtengo

Pafupipafupi, opanga mankhwala amatenga kuwombera zikafika poti odwala aku America amalipira ndalama zingati. Pomwe Chakudya ndi Mankhwala Osokoneza Bongo imayang'anira momwe mankhwala atsopano amayesedwera, kugulitsidwa, ndi kutulutsidwa pamsika, alibe chiwongolero chilichonse pamankhwala. Kutanthauza, makasitomala amakhala ndi zofuna za zomwe ambiri amatcha Big Pharma.

Mu Meyi 2019 , oyang'anira a Trump adamaliza chofunikira chatsopano kwa opanga kuti aphatikize mndandanda wamtengo wa mankhwala pazotsatsa zawo pa TV. Izi zitha kupititsa patsogolo kuwonekera poyera pothandiza makasitomala kuyerekezera mtengo wamankhwala (wopangidwa ndi opanga) ku copay yawo (yoyikidwa ndi inshuwaransi). Chimodzi Phunziro la 2013 anapeza kuti ndalama zotuluka m'thumba ndi inshuwaransi idapitilira mtengo wamankhwala wopanda inshuwalansi 23% ya nthawiyo.

2. Kutetezedwa ndi mankhwala osokoneza bongo

Mankhwala atsopano akafika pamsika, nthawi yomweyo amaikidwa pansi setifiketi ndipo kupatula mankhwala Chitetezo, ndi ma patenti omwe akhala zaka 20 tsopano. Kupatula mankhwala osokoneza bongo kumatanthauza kuti makampani ena opanga mankhwala sangapikisane popanga mankhwala achibadwa omwe amakhala ndi zotsatirapo zofanana.

Mwachidziwitso, kupatsa patent ndi mankhwala okhaokha limbikitsani kafukufuku wina ndi chitukuko Zithandizo zabwino komanso zothandiza pamankhwala ofooketsa monga khansa ndipo zitha kuthandizanso mpikisano wapano kuti upeze mankhwala oyenera komanso katemera wa coronavirus. Amateteza mwachidziwikire kafukufuku yemwe wapeza movutikira kuti asabedwe ndi wopikisana naye. Komabe, izi nthawi zambiri zimasiya olipira ali ndi mitengo yokwera kwambiri ya mankhwala osokoneza bongo. Limodzi mwa mavuto akulu kwambiri, malinga ndi Peter B. Bach , Dotolo ndi director of the Center for Health Policy and Outcomes ku Memorial Sloan Kettering Cancer Center, ndikuti lamuloli limakakamiza ma inshuwaransi kuti aziphatikiza mankhwala amtengo wapatali mndondomeko zawo, mosasamala kanthu za mphamvu zawo kapena mtengo wake.

3. Kukwera kwamitengo yamagulitsidwe

Pakadali pano, makampani a inshuwaransi akuyika pompopompo kwa ogula ndi ndalama zowonjezera pamwezi komanso mapulani azaumoyo omwe nthawi zonse samakhudza mankhwala osokoneza bongo . Ndipo pali ma fayilo a oyang'anira phindu la mankhwala (PBMs) omwe amayang'anira zokambirana zamitengo ndi ma pharmacies, makampani a inshuwaransi, makampani azamankhwala, komanso omwe amakulemberani ntchito kuti abweretse mndandanda wa mankhwala ovomerezeka omwe adzalembedwe malinga ndi dongosolo lanu. Ndizowonjezera zopindika zomwe pamapeto pake zimakhudza mzere wanu wapansi.

4. Mtengo wapamwamba woyang'anira

United States ili ndi mwayi wodzitama mwatsoka nzika zake zimalipira kangapo kuchipatala kuposa anthu akumayiko ena omwe amapeza ndalama zambiri , monga Sweden, France, U.K., ndi Canada, pakati pa ena. Pulogalamu ya Zolemba pa American Medical Association adatinso, Mosiyana ndi momwe ena amafotokozera kugwiritsa ntchito ndalama zambiri, kugwiritsa ntchito ndalama komanso kugwiritsa ntchito chithandizo chamankhwala ku United States sizinasiyane kwenikweni ndi mayiko ena omwe amapeza ndalama zambiri. Mitengo yantchito ndi katundu, kuphatikiza mankhwala ndi zida, komanso ndalama zoyendetsera ntchito zikuwoneka ngati zomwe zimayambitsa kusiyana kwa ndalama.

5. Mpikisano wamsika wochepa

Mosiyana ndi izi, pali makampani ochepa a inshuwaransi ku Europe ndi Canada, omwe amawapatsa mwayi wogwiritsa ntchito mankhwala. Ali omasuka kukana mankhwala amtengo wapatali, chifukwa chake makampani azamankhwala ayenera kupikisana pamsika waulere. Zotsatira zake, mitengo yamankhwala ndiyabwino kwambiri pazonse, ndipo ngakhale zomwe makampani opanga mankhwala akunena, mitengo yotsika sikuwoneka kuti ikukhudza kafukufuku ndi chitukuko cha mankhwala.

Njira zina za mankhwala ochiritsira

Ngakhale zili choncho, musataye mtima-muli ndi zosankha zambiri kuposa momwe zikuwonekera kuti mupeze zolemba zomwe mukufuna pamtengo womwe sungakupangitseni kudwala (more). Mutha kusankha mankhwala achibadwa akapezeka; atha kutsika mpaka 85% pochepera, ndipo amapereka maubwino omwewo a mankhwala omwe amadziwika ndi dzina. Mutha kukhala osakayikira kutsika kwakukulu kwamitengo, koma pali mafotokozedwe osavuta, ndipo akukhudzana ndi malamulo a FDA (kapena kusowa kwawo).

Pambuyo patent ndi / kapena mankhwala osokoneza bongo a mankhwala ena atha, makampani ena opanga mankhwala ali ndi ufulu wopanga mtundu wawo wamankhwala, zomwe zikutanthauza kuti mitengo yamankhwala iyenera kukhala yopikisana kwambiri. Kuphatikiza apo, a FDA amachita yang'anira momwe mankhwala opangira majeremusi amapangidwira, kupakidwa m'matumba, ndikuyesedwa, kotero ngakhale mankhwala anu atha kuwoneka mosiyana pang'ono, adzagwira ntchito chimodzimodzi.

Mwachitsanzo, mankhwala a ADHD Ritalin Zitha kugulidwanso pansi pa dzina loti methylphenidate, ndipo nthawi zambiri pamtengo wotsika. Metformin , yomwe imagwiritsidwa ntchito pochiza matenda amtundu wa shuga wachiwiri komanso polycystic ovary syndrome, imapezeka pamazina odziwika Glucophage , Nthabwala , ndi Riomet; mutha kupeza generic glucophage ya $ 30 mpaka $ 40 ndi coupon ya SingleCare, pomwe Glumetza ndi $ 1,000, kutengera komwe mumakhala. Ndipo, zachidziwikire, mtengo wa insulini ndi zakuthambo. Mu 2019, wopanga mankhwala osokoneza bongo Eli Lilly ndi Company adatulutsidwa Insulini Lispro , yotsika mtengo, mtundu wa Humalog.

Malinga ndi Bungwe la DRM Budget , mankhwala opangira majeremusi amapulumutsa ogula pafupifupi $ 8 mpaka $ 10 biliyoni pachaka. Kotero nthawi yotsatira dokotala wanu akakulemberani mankhwala, onetsetsani kuti mufunse ngati ndi mankhwala atsopano, komanso ngati pali mtundu wa generic womwe ulipo.

Zida zopezera ndalama: Zobweza, asayansi, ndi makhadi azamankhwala

Kupitilira generic kumatha kukuthandizani kuti musunge pamankhwala olembedwa. Palinso njira zosiyanasiyana, zopezera njira zina zopezera mitengo yamankhwala abwino. Zomwe mukufunikira ndikungodziwa pang'ono komanso kupirira, ndipo mutha kupanga chiwonetserochi kuchuluka kwa ndalama zomwe mumagwiritsa ntchito pamankhwala.

Chodabwitsa kwambiri ndikuti kulipira mankhwala pogwiritsa ntchito inshuwaransi mwina sikungakupulumutsireni konse. Ndalama zoyendetsera $ 10 zamankhwala wamba zimamveka bwino poyamba, koma mankhwala omwewo amangokuwonongerani $ 3 ngati mutalipira mthumba popanda inshuwaransi.

Ndipo ngati muli ndi inshuwaransi kapena ayi, muyenera kuwonetsetsa mtengo wamankhwala anu motsutsana ndi khadi yosungira mankhwala, monga SingleCare. Mutha kusunga mpaka 80% pamankhwala anu akuchipatala-ndipo palibe zolipira zobisika kapena zomwe zimagwidwa.

Muthanso kufunsa wamankhwala wanu zamapulogalamu othandizira odwala, omwe makampani ambiri azachipatala amapereka mankhwala komanso katemera, kutengera oyenerera.

Njira ina yabwino yopulumutsira ndalama ndi yerekezerani mitengo yamankhwala a Rx kuma pharmacies osiyanasiyana - ena amalipiritsa ndalama zochepa pamankhwala ena, ndipo ena atha kupereka ndalama zochepa zogulira. Pitani ku singlecare.com ndikudula mankhwala anu, kenako sankhani zip code yanu kuti mufananize mtengo wamankhwala pazinyumba zakomweko komanso m'masitolo akuluakulu.

Anthu aku U.S. amamva ngati alibe chisankho pankhani yodzaza zomwe adalemba, koma SingleCare imapereka njira yowonekera komanso yotsika mtengo yopezera mankhwala omwe mukufuna.