Waukulu >> Zambiri Zamankhwala >> Momwe mungaletsere kulera kwaulere (ngakhale kopanda inshuwaransi)

Momwe mungaletsere kulera kwaulere (ngakhale kopanda inshuwaransi)

Zambiri Zamankhwala

Mwawonapo adotolo, muli ndi mankhwala, koma mulibe ndalama. Ndi zochitika zomwe zimachitika kawirikawiri ambiri, mwatsoka, adzakumana nazo nthawi ina. Tsopano chulukitsani nkhawa ndi kusatsimikizika pofika 12 ngati mukufunika kulembanso mankhwala olerera mwezi uliwonse.

Azimayi makumi asanu ndi limodzi mphambu awiri mwa azimayi omwe amagwiritsa ntchito njira zakulera pakadali pano yamtundu wina, malinga ndi United States department of Health and Human Services (DHHS). Popanda inshuwaransi, atatu-anayi a akazi amenewo sangakwanitse kulandila ngati mtengo upitilira $ 20 pamwezi, monga Guttmacher Institute idapezera. Mmodzi mwa asanu ndi awiri sangakwanitse kulera pamtengo uliwonse. Kulera kosakwanira, kwa amayi ambiri, kuyeneradi kutanthauza kulera kwaulere.

Mwamwayi, izi ndizotheka. Njira zakulera zomwe amayi amafunikira zimapezeka ngakhale opanda inshuwaransi ndipo pamtengo wotsika mtengo - kapenanso kwaulere.

Momwe mungaletsere kulera popanda inshuwaransi

Tiyeni tiyambe ndizoyambira. Ngakhale opanda inshuwaransi, aliyense amene ali ndi mankhwala oletsa kubadwa akhoza kugula ku pharmacy.

Izi zikutanthauza kuti ulendo wopita ku ofesi ya dokotala umafunika. Odwala omwe samawona dokotala pafupipafupi amatha kupanga msonkhano wokonzekera kulera, zaumoyo wa anthu, kapena chipatala cha Title X.

Mwa njira zambiri zolerera, ulendo wa adotolo udzakhala wosavuta kwambiri. Pakufunika zochepa kwambiri kuti dokotala azilemba zakulera. Dokotala adzafunsa mafunso angapo kuphatikiza mbiri yakuchipatala ya wodwalayo ndipo mwina atenge zikwangwani zofunikira. Kuyesa sikofunikira pokhapokha ngati wodwalayo ali ndi chimodzi kapena zingapo zoopsa, monga kuthamanga kwa magazi kapena mbiri yakusuta.

Pa njira zovuta kwambiri zolerera, monga ma IUD, ma diaphragms, kapena ma implants, ntchito yowonjezera iyenera kuchitidwa, monga pap smear, kuyesa m'chiuno, kapena kuyika chida cholerera. Kufufuzanso kwina ndi njira yochotsera kungafunikirenso. Njirazi zidzawononga zambiri.

Koma kodi mumalera bwanji? Zimatengera njira yomwe yasankhidwa.

Kuletsa kubereka, monga kondomu, mankhwala ophera umuna, ndi mapiritsi am'mawa amangofunika kupita mwachangu kumalo ogulitsa mankhwala. Zipatala zakulera ndi matenda opatsirana pogonana zitha kukupatsani makondomu ndi mankhwala ophera umuna kwaulere. Mutha kungoyenda ndikupempha njirazi.

Mapiritsi oletsa kubereka ndi zida zina zamankhwala, monga kapu ya khomo lachiberekero, zidzafunika kupita ndi mankhwala ku pharmacy, ngakhale zipatala zina zimatha kupereka mankhwala kapena chipangizocho pamalo.

Njira zovuta kwambiri, zakulera kwa nthawi yayitali, monga ma implants ndi ma IUD, ziyenera kuikidwa ndi katswiri wazachipatala kuofesi yazachipatala.

Kodi zakulera ndi zingati popanda inshuwaransi?

Ngati simukuchita homuweki, yankho losavuta ndilochuluka. Bajeti yoletsa kubereka ndi yovuta. Mitengo ili ponseponse. Kaya muli ndi inshuwaransi kapena ayi, kulera pamtengo wotsika kumatengera kudziwa pang'ono.

Mtengo wakulera mwa mtundu

Yambani poyerekeza njira zakulera. Chilichonse chimasiyanasiyana pamtengo, mtengo, mphamvu, komanso zotsatirapo. Makondomu onse amuna ndi akazi amawononga $ 1 kapena $ 2, koma atha kugwiritsidwa ntchito kamodzi. Mapiritsi oletsa kubereka zitha kukhala $ 8 zochepa pamwezi, koma nthawi zambiri zimawononga $ 20- $ 30 mwezi uliwonse. Kuletsa kwa nthawi yayitali, monga ma diaphragms, mphete zamkazi, ma IUD, ma implants, ndi kuwombera mahomoni, kumatha kutenga $ 100 mpaka $ 1,500.

Ulendo wa Dokotala ndi kuyeza kwa thupi kumawononga

Maulendo a Dotolo ndi ndalama zowonjezera. Yembekezerani kulipira kuchokera $ 20 mpaka $ 200 paulendo uliwonse ngati mulibe inshuwaransi. Mtengo utengera komwe mungapeze chithandizo chamankhwala. Makliniki azachipatala aboma, 340B, ndi zipatala za Title X atha kulipiritsa odwala $ 0 kutengera ndalama, koma nthawi zambiri mumatha kulipira $ 20 kapena $ 25. Katswiri, monga wazachipatala, atha kuwononga ndalama zokwana $ 125 paulendo uliwonse.

Kuyesa ndi njira zothandizira

Kwa zida zovuta, monga ma IUD, ma diaphragms, kapena ma implants, mudzalipira zochulukirapo mayeso ndi mayeso owonjezera. Njira zakulera izi zitha kufuna maulendo ena obwereza komanso njira zochotsera zomwe zimakulitsa mtengo.

Mtengo wakutsogolo wa njira zakulera vs. mtengo wanthawi yayitali

Njira zina zolerera, monga makondomu a abambo, mankhwala ophera umuna, komanso njira zolelera zadzidzidzi, zitha kugulidwa pa kontrakitala popanda kulipira kukaonana ndi dokotala. Koma chifukwa awa ndi oletsa kulera kamodzi kokha, mtengo wowagula mobwerezabwereza ungawonjezeke pakapita nthawi. Kuletsa kubereka kwakanthawi, monga ma IUD, ma diaphragms, ndi kuwombera kwa njira zakulera, kumatha kukhala kopindulitsa pakapita nthawi kuposa njira zazifupi.

Mwachitsanzo, njira yotsika mtengo kwambiri yolerera, makondomu a amuna, amawononga $ 1 pakugwiritsa ntchito. Palibe maulendo a dokotala omwe amafunikira. Komabe, izi zitha kuwonjezera mpaka $ 100- $ 300 pachaka. Njira yolera yotsika mtengo kwambiri, yanthawi yayitali imatha kuwonjezera mtengo wofanana chaka chilichonse kapena zochepa. Chingwe cha zaka ziwiri chitha kutenga $ 200 kuphatikiza maulendo a dokotala. IUD yazaka 12 itha kutenga $ 1,300, kuphatikiza maulendo a dokotala. Komanso, poletsa kubereka kwakanthawi, onse omwe amapita kukaonana ndi dokotala kapena mankhwala kapena chipangizochi nthawi zambiri amapatsidwa mtengo wotsika kapena china chotseguka kuchipatala cha boma kwa odwala omwe amakwaniritsa ziyeneretso za ndalama.

Kodi kulera ndi ndalama zingati ndi inshuwaransi?

Anthu omwe ali ndi inshuwaransi ali ndi mwayi. Ndi inshuwaransi, njira zakulera sizilipira chilichonse. Ndichoncho. Bungwe la Obama la Affordable Care Act (ACA) akulamula kuti mapulani onse a inshuwaransi yazaumoyo kuphimba zakulera za amayi, kuphatikizapo kuchitidwa opaleshoni, ndipo osalipiritsa copay popita kwa dokotala kapena njira yolerera yoyikidwa. Inshuwaransi siyenera kuphimba mtundu uliwonse wa mankhwala kapena chida, koma njira imodzi yokha mgulu lililonse la zolera imaphimbidwa kupatula makondomu a amuna.

Mtengo wakulera wopanda inshuwaransi
Lembani	Mankhwala amafunika?	Dzina lodziwika bwino	Mphamvu	Avereji ya mthumba-mthumba *	Avereji ya mtengo ndi coupon ya SingleCare
Mapiritsi oletsa kubereka	Inde	Ortho Tri-Cyclen Lo (mapiritsi osakaniza) Errin (mapiritsi okhawo a progestin)	93% -99%	$ 50	$ 9- $ 13
Kulera mwadzidzidzi (mapiritsi a m'mawa)	Ayi	Konzani B Gawo limodzi	89% -95%, kutengera nthawi yomwe yatengedwa	$ 11- $ 50	$ 10
Kuwombera kwa kubereka	Inde	Chongani Depot	94%	$ 150	$ 20
Zomera	Inde	Nexplanon	> 99%	$ 1,300	$ 967
Chigamba cha Transdermal	Inde	Xulane	91%	$ 0- $ 150	$ 85
Ma IUD	Inde	Kyleena	> 99%	$ 1,300	$ 987
Mphete ukazi	Inde	NuvaRing ( Chofunika ndiye mphete ina yokhayo yovomerezeka yovomerezedwa ndi FDA)	91%	$ 0- $ 200	$ 165
Ma diaphragms (okhala ndi spermicide)	Inde	Caya	92% -96%	$ 0- $ 250	$ 79
Kapu yachiberekero	Inde	Mkazi	71% -86%	$ 90	$ 78
Makondomu achikazi	Ayi	FC2 (kondomu yamkati yovomerezeka ndi FDA yokha)	79% -85%	$ 2- $ 3	$ 187 pa bokosi lililonse
Makondomu amuna	Ayi	Durex	83% -95%	$ 2	$ 9 pa bokosi lililonse
Chinkhupule cholerera	Ayi	Lero	76% -88%	$ 15	Sakanizani khadi yanu ya SingleCare kuti mupeze mtengo wotsika kwambiri

* Malinga ndi Planned Parenthood ndalama zolerera, zomwe sizingaphatikizepo mtengo wapaulendo wa dokotala kapena kuyika / kuchotsa chida.

Momwe mungachepetsere kapena kulera kwaulere

Pali njira zisanu ndi zinayi zopezera kuchotsera kapena kulera kwaulere.

1. Osakwatira

Choyamba, odwala omwe ali ndi inshuwaransi kapena opanda akhoza kudalira SingleCare pamankhwala onse omwe amalandira. Makuponi awa ndi aulere, ogwiritsidwanso ntchito, komanso osavuta kugwiritsa ntchito. Makuponi a SingleCare ingachepetse mtengo wa mankhwala oletsa kubadwa ndi 80%.

2. Pitani generic

Njira zambiri zakulera zili ndi njira zosankhika. Monga mankhwala ambiri, mayina oletsa kubereka amatha kutenga ndalama zambiri kuposa mitundu wamba. Nthawi zonse funsani dokotala ngati angakupatseni njira yolerera m'malo mwa dzina.

3. Funsani chakudya kwa masiku 90

Kugula mochuluka kungapulumutse makasitomala am'makampani ogulitsa mankhwala ambiri pamapeto pake. Mtengo wa masiku 90 olerera ungakhale wokwera kwambiri potuluka, koma mudzasunga pamtengo wamapepala angapo kuti mudzaze zolemba zochepa pafupipafupi.

Zinayi.Inshuwaransi yazaumoyo

Ngakhale njira yotsika mtengo kwambiri ya inshuwaransi imachepetsa mtengo wakunja kwa thumba lakubadwa mpaka $ 0. Izi zikuphatikizapo kuchezera kwa adotolo ndi mankhwala oletsa kubereka kapena chida chomwecho.

Inshuwaransi yazaumoyo ndi njira yoyenera kuwunika. Kutengera ndi zomwe mumapeza, ndalama zomwe mumalipira zimatha kubwezeredwa pang'ono kapena kwathunthu ngati ngongole yamsonkho. Inshuwaransi yaulere yaulere yopanda copay imatanthawuza kupeza njira zolerera zaulere.

5.Mankhwala

Maubwino azachipatala a Medicaid amapezeka kwa achikulire omwe amalandila ndalama zochepa, olumala, amayi apakati, kapena mabanja omwe ali ndi ana ochepera zaka 18. Ndalama zoyambira zimakhala zochepa kapena kuchotsedwa kwathunthu. Kuphimba kwa mankhwala a Medicaid kumaphatikizapo kulera kwaulere.

6.Mabungwe 340B azaumoyo

Zipatala za 340B, zipatala, ndi ena othandizira othandizira azaumoyo atha kugula mankhwala popanda kuchotsera, kuphatikiza mapiritsi oletsa kubereka, ndikugulitsa mankhwalawo pamtengo wokwanira. Kutengera ndi ndalama zomwe mumapeza , zipatala izi zimapereka mapiritsi olera, kuwombera, ndi kuyika kwaulere kapena pamtengo wotsika.

7.Zipatala za Plarent Parenthood

Zipatala za Plarent Parenthood zimavomereza Medicaid komanso mapulani ambiri a inshuwaransi yazaumoyo. Kwa odwala opanda chilichonse, zipatala izi nthawi zambiri zimapereka kuchotsera pa zakulera kutengera ndalama.

8.Malo azachipatala ammudzi kapena aboma

Madera anu atha kukhala ndi zipatala zopanda phindu, zipatala, kapena zipatala zakulera zomwe zimapereka chithandizo chamankhwala ochepetsa kapena chaulere. Pamafunidwe ochepa, nthawi zambiri amakhala $ 25 kapena ochepera, mutha kuwonedwa ndi adokotala, atapereka njira yoyenera yolerera, ndipo nthawi zina mumalandira njira yolerera yomwe mukufuna, monga kuwombera, kulowetsa, kapena kugwiritsa ntchito intrauterine.

Makliniki omwe amayang'ana kwambiri zaumoyo wa amayi, zaumoyo, kapena matenda opatsirana pogonana (matenda opatsirana pogonana), komanso zipatala za Title X, ndi malo odalirika kwambiri opezera njira zolerera kapena zaulere.

9.Mapulogalamu othandizira odwala

Pomaliza, makampani ambiri azachipatala, makampani azachipatala, ndi mabungwe omwe siopanga phindu amapereka mankhwala ndi zida kwaulere kwa odwala omwe alibe inshuwaransi omwe akusowa thandizo. Ena amaphimba copay yonse ya odwala omwe ali ndi inshuwaransi. Mapulogalamu othandizira odwalawa nthawi zambiri amathandiza odwala kulemba mankhwala okwera mtengo kwambiri, omwe ali ndi mayina. Komabe, ngati mukuyenereradi, thandizo la odwala pamankhwala omwe amatchulidwa nthawi zambiri limakhala yotsika mtengo kapena yopanda mtengo m'malo mwa opanga otsika mtengo.