Mtengo wake ndi wotani? Mtengo wamankhwala omwe mumalandira ndi zomwe mungagule

Kampani

Anthu ambiri amavutika kupeza mankhwala awo.

Monga wamankhwala, izi ndimakumana nazo pafupifupi tsiku lililonse, atero a Kristi Torres, Pharm.D., Wamankhwala amene amayang'anira Chipatala cha Austin Diagnostic Clinic komanso membala wa SingleCare Medical Review Board. Pamaso pa wodwalayo pamakhala mawonekedwe okhumudwitsidwa ndikutsatiridwa ndi mawu ngati 'Munena zingati?' Kapena 'Sindingathe kutero.'

M'modzi mwa anthu anayi omwe amamwa mankhwala akuchipatala akuti ndizovuta kuti athe kulipira mankhwalawa, malinga ndi zotsatira za kafukufuku wochokera ku Kaiser Family Foundation (KFF). Anthu omwe anganene kuti ali ndi vuto la kupereka mankhwala awo ndi anthu omwe amawononga $ 100 kapena kupitilira mwezi pamankhwala, ndikutsatiridwa kwambiri ndi anthu athanzi kapena opanda thanzi.

Mankhwala osokoneza bongo omwe alibe mayina ena achibadwa nthawi zambiri amakhala otsika mtengo, akutero Dr. Torres. Izi nthawi zambiri zimaphatikizapo insulini ndi mankhwala ena a shuga ojambulidwa, mwa ena.

Mankhwala okwera mtengo kwambiri

Maso anu akhoza kukulira mtengo wa mankhwala amtengo wapatali kwambiri pamsika pakadali pano, malinga ndi zomwe adalemba a SingleCare. Mankhwala ena atsopano amakhala ndi mitengo pamitengo isanu. Ngakhale mankhwala omwe ndi okwera mtengo kwambiri kuposa mankhwala apamwamba kwambiri atha kukhala okwera mtengo ngati inshuwaransi yaumoyo wanu sikulipira mtengo-kapena ngati mulibe inshuwaransi.

Tengani Humira . Anthu ambiri amadalira izi kuwathandiza kuthana ndi ululu kuchokera kuzinthu zosiyanasiyana zathanzi. Humira ndi mankhwala osokoneza bongo omwe nthawi zambiri amapatsidwa kuti athetse matenda ngati nyamakazi ndi ankylosing spondylitis, komanso ulcerative colitis ndi matenda a Crohn. Imagwera m'gulu la mankhwala otchedwa tumor necrosis factor (TNF) blockers chifukwa imatseketsa zotupa za necrosis, zomwe zimapangidwa mthupi lanu zomwe zimatha kupweteka komanso kutupa.

Ndipo sikotsika mtengo. Mtundu umodzi wa Humira ikubwezeretsani $ 9,829 pamwezi umodzi. Ayi, si typo ayi. Pamtengo womwewo, mutha kugula ziwiri ma TV apamwamba kwambiri zomwe zingatenge theka la khoma m'chipinda chanu chochezera. Kapena mutha kugula 14 ya mtundu waposachedwa wa iPhone . Mitundu ina ya Humira yojambulidwa idawononga $ 8,817 (12 iPhones) ndi $ 7,037 (10 iPhones) masiku 30.

Ngati dokotala akupatsani Rexulti kwa inu kapena wachibale, mudzawona ndalama zokwana $ 2,700 patsiku la 30 la mapiritsi a 0.5 mg a mankhwalawa. Mutha kusintha chosamba ndi choumitsira chokalamba ndi chatsopano, chatekinoloje chapamwamba pamtengo wofanana. Taganizirani chatsopano kutsogolo-kutsitsa makina azitsamba a LG otsuka 14 kwa $ 1,170 ndi an LG choumitsira magetsi kwa $ 1,620.

Zotsatira amachiza kufooka kwa mafupa kwa amayi omwe atha msinkhu, koma atha kukhala othandiza kwa aliyense amene ali pachiwopsezo chachikulu chophukera mafupa. Mtengo pafupifupi $ 1,400 wa mtengo ukhoza kukhala chopunthwitsa kwa anthu ena. Ndipafupifupi mtengo wofanana ndi watsiku ndi tsiku ma khofi makumi awiri a mkaka kuchokera ku Starbucks kwa chaka chonse, kapena mtengo wamasiku asanu matikiti oyenda panyanja ku Caribbean.

Viberzi , mankhwala omwe amagwiritsidwa ntchito pochiza matenda am'mimba, amatha ndalama pafupifupi $ 1,176 patsiku la 30 la mapiritsi 100 mg. Ndizofanana mtengo wochepa, wowala watsopano Laputopu ya Microsoft Surface 3 kompyuta. Kapena mutha kugula mamembala atatu am'banja lanu aliyense payekha ma Beap a Dre apakati pamitengo .

Momwe mungasungire pamankhwala

Mwamwayi, muli ndi njira zingapo. Lankhulani ndi dokotala ngati inshuwaransi yanu sikulipira mtengo wama mankhwala anu. Akhozanso kupereka njira ina yotsika mtengo kapena yotsika mtengo.

Ndakhala ndikupangitsa odwala kusiya mankhwala kapena kuyimba foni ndikupempha mankhwala osiyanasiyana, akutero Chithunzi ndi Nikki Hill, MD , dermatologist wokhala ndi SOCAH Center ku Atlanta, Georgia. Ndizovuta ngati palibe njira zina. Tiyenera kukumbukira zomwe zimaonedwa ngati zodula kwa odwala.

Muthanso kulankhulana ndi wamankhwala, yemwe atha kufotokoza momwe inshuwaransi yanu imakhudzira mtengo wake kapena kukuthandizani kupeza mapulogalamu othandizira omwe angakwaniritse zina mwa ndalamazo. Cholinga changa chachikulu [monga wamankhwala] ndikuwuza odwala kuti ndili pano kuti ndiwathandize, a Torres akutero.

Zina mwa mapulogalamuwa omwe angathandize kulipira ndalama zamankhwala ndi mapulogalamu othandizira othandizira omwe amapangidwa ndi omwe amapanga mankhwala, mapulogalamu othandizidwa ndi boma othandizira, komanso mapulogalamu othandizira monga National Patient Advocate Foundation.

Ma pharmacies ambiri amapereka mapulani ochotsera ndalama kwa omwe alibe inshuwaransi, ndipo palinso zosankha zambiri pamakhadi ochepetsera mankhwala, omwe amachotsa peresenti pamtengo wogulitsa, adatero Dr. Torres.

Chimodzi mwazomwe mungasankhe ndi khadi yosungira ya SingleCare. Mutha kuwona mtengo wamankhwala anu kunyumba; kapena mutha kufunsa wamankhwala kuti ayang'ane kusiyana kwamitengo. Mutha kugwiritsa ntchito khadiyo ngati muli ndi inshuwaransi (kuphatikiza Medicare Part D) kapena mulibe inshuwaransi.Komabe, SingleCare singagwiritsidwe ntchito limodzi ndi inshuwaransi kapena Medicare Part D-mutha kugwiritsa ntchito imodzi kapena inayo. Nthawi zambiri, titha kugunda mtengo wamtengo wapatali-kapena ngakhale mtengo wanu wapolisi.

Nthawi zonse onetsetsani kuti mukuyerekeza zosankha zanu kuti musungire ndalama zabwino zotheka-kuti muthe kugula TV yoyandikira kapena iPhone yatsopano…. pamodzi ndi mankhwala anu.

* Mitengo yozikidwa pazambiri kuyambira Disembala 2019. Mitengo yamankhwala imasiyanasiyana malinga ndi malo ogulitsa mankhwala, ndipo imatha kusintha