Ndingayigcina njani iyeza lam?
Inkampani ibuza amayeza oNyango olunye ayabiza, kodwa kukho iindlela zokunciphisa iindleko.Ukuyalelwa kuyabiza-akukho ndlela zimbini malunga nayo. Ukuba uhlala e-U.S, oko kuthetha ukuba uhlawula ngaphezulu ngomntu ngamnye amayeza kunalo naliphi na ilizwe elinamashishini emhlabeni. Xa umncinci kwaye usempilweni, usenokungakhathazeki kakhulu. Kodwa ukuba ufunyaniswe unesifo esinganyangekiyo okanye ufuna iyeza elinamaxabiso, iindleko zinokongeza ngokukhawuleza.
Ikota yabantu abadala abathatha amayeza bathi kunzima ukuhlawulela amayeza abo, ngokweenkcukacha eziqokelelwe yi Isiseko soSapho seKaiser . Nokuba uyinxalenye yama-75% angacinezeli iisenti ukuhlawulela iziyobisi, kuhlala kumnandi ukuba nemali engaphezulu epokothweni. Nazi iindlela ezimbalwa zokukunceda ugcine kwimigqaliselo.
1. Thelekisa amaxabiso.
Ngaphambi kokuba uthenge inqwelomoya, uthelekisa iindleko zokushiya ngamaxesha ahlukeneyo okanye usebenzisa inqwelo moya eyahlukileyo. Xa uthenga impahla, unokulinda intengiso okanye uthenge uphawu oluthile lokonga iidola ezimbalwa. Kutheni le nto ukuthabatha amayeza akho eyahlukileyo?
Nangona uninzi lwabantu lufuna amayeza ngexesha elithile ebomini babo, uninzi lwabantu alwazi ukuba amaxabiso ayahluka phakathi kweekhemesti. Ukutshintsha usiya kwiRite Aid ukuya kwi-CVS kunokukunceda unciphise iindleko, ngakumbi kwimigaqo ephindaphindayo. Okanye, ukuzama ivenkile enkulu yebhokisi kunokukugcina ukonga ngakumbi.
Sukuba nexhala. Akunyanzelekanga ukuba undwendwele iikhemesti ezininzi ukuthelekisa amaxabiso, nokuba uthatha amayeza amaninzi. Endaweni yoko, khangela amayeza akho kwi-SingleCare kwaye ufake ikhowudi yakho ukuze ufumane iikhemesti ezikufutshane nawe ngamaxabiso aphezulu.
2. Sebenzisa ikhadi lokonga ikhemesti.
Amakhadi esaphulelo amiselweyo, njenge-singleCare, anokukunceda ukunciphisa amaxabiso ukuya kuthi ga kuma-80%. Imahala, kwaye kulula ukuyisebenzisa. Yiya ku singlecare.com (okanye ukhuphele usetyenziso ), kwaye ukhangele amayeza akho. Qiniseka ukuba uhlengahlengisa izihluzo zedosi kunye nobungakanani, emva koko ukhethe ikhuphoni kwikhemesti ngexabiso eliphantsi. Ukuba lixesha lakho lokuqala ugcwalisa amayeza nge-SingleCare, uya kufumana isaphulelo esiyi- $ 5. Ke, ngalo lonke ixesha ugcwalisa enye, uya kufumana i-1 eyongezelelekileyo ngonyango lwakho kunye nathi Ugcino lwelungu Inkqubo.
Iitshathi zokubonisa elubala ze-SingleCare zikuvumela ukuba uthelekise ixabiso lemali kulondolozo lwe-SingleCare kunyaka ophelileyo. Ukuba ingaphantsi kune-inshurensi yakho, uyazi ukuba ugcina imali.
3. Khangela isigqebhezana.
Xa iyeza litsha, lihlala libiza kwaye lifumaneka kuphela kwifom yegama legama. Rhoqo abavelisi beziyobisi baya kunika amatikiti abantu abahlangabezana neziqinisekiso ezithile, ezinje ngokunika ulwazi ngonyango okanye i-inshurensi. Ugcino lokumisela lukhulu, kodwa ayinguye wonke umntu onokuzisebenzisa.
Ezinye iivenkile ezithengisa ezivenkileni ziya kubonelela ngamatikiti okurhwebesha abathengi ukuba bazalise imigqaliselo ngawo. Umzekelo, unokufumana i-25 yamakhadi wesipho esisitolo esitolo kwisitampu sakho sokuqala njengomthengi omtsha.
4. Faka isicelo soncedo lonyango.
Iinkqubo zoncedo lokuyalelwa (i-PAPs) zikhona ukuxhasa abantu abafuna amayeza, kodwa bengenako ukuwasebenzisa. Zininzi iintlobo ezahlukeneyo ezinikezelwa ngabenzi beziyobisi, oorhulumente okanye oorhulumente basekhaya, kunye nengeniso. Uninzi luxhomekeke ekuboniseni iimfuno zemali okanye ukwala kwinkampani yeinshurensi. NeedyMeds.org yindawo elungileyo yokuqala ukuphanda ukuba ngaba izaphulelo zikagqirha ziyafumaneka kuwe.
5. Buza le generic.
Amachiza enziwe afana nalawo aveliswe ngumenzi kunye nethiwa igama anezixhobo ezifanayo. Intsingiselo, baya kuba nokusebenza okufanayo ekunyangeni imeko yakho. Umahluko ophambili yindleko kuwe.
Amachiza anegama lebrendi ahlala ebiza kakhulu ngenxa yenkqubo ende yokuphucula iziyobisi. Abavelisi bahlawulisa ngaphezulu ukubuyisa iindleko. Xa ipatent iphela, abanye abavelisi bangavelisa amayeza, kwaye ukhuphiswano luhlisa ixabiso.
Umzekelo, amayeza anticonvulsant ILamotrigine ER inexabiso lentengiso elingaphezulu kwe- $ 500. Yongeza isigqebhezana se-SingleCare, kwaye ezo ndleko zingaphantsi kwe- $ 50.
6. Zama elinye iyeza.
Uninzi loogqirha bayazi ukuba amanye amayeza abiza kakhulu kunamanye. Ukuba unengxaki ekunikezeleni unyango lwakho, thetha nogqirha wakho malunga nokuzama iphepha elahlukileyo elinokubiza imali encinci.
Yiba nengxoxo evulekileyo kunye nomboneleli wakho wezempilo malunga nexabiso lamayeza akho. BUkunyaniseka kugqirha wakho malunga nokubaluleka kwemali enxulumene namayeza, ucebisa uShaili Gandhi, uFarm.D., usekela-mongameli wezinto ezenziwa kwifomula kwi-SingleCare. Amachiza enziwe afana nalawo aveliswe ngumenzi angaliqhezu leendleko njengegama lophawu, okanye elinye iyeza elilinganayo linokubiza imali encinci kakhulu. Ukuba awuyikhankanyi kugqirha wakho, banokucinga ukuba i-inshurensi yakho iya kuhlawulela imirhumo ebizayo
Kodwa i-inshurensi ayisoloko iyigubungela, nokuba iyenzeka, siyazi ukuba kubaluleke kangakanani ukugcina imali.
Amachiza amatsha athanda ukubiza ngaphezulu, ngelixa ii-standbys ezindala ezinjenge-penicillin kunye nee-statins zinamaxabiso asezantsi. Kunokubakho unyango olulinganayo ukuzama oko kulula kwisipaji.
7. Khangela ukuba uyawafuna na la mayeza.
Ukuba uthabathe iyeza elifanayo iminyaka, kufanelekile ukuba ukhangele ukuze ubone ukuba usawufuna na loo myalelo. Qiniseka ukuba awuhlawuli amayeza ongasafuniyo, uGqirha Gandhi ucebisa. Thetha nomboneleli wakho wezempilo malunga notshintsho kwindlela yokuphila olunokuphelisa iyeza kwirejimeni yakho yemihla ngemihla. Okanye, jonga nje kummiselo onawo iminyaka.
Ukuba wenze utshintsho kwindlela yokuphila olusebenzayo, lunokunciphisa isidingo sakho samayeza athile. Ayikhe ibabuhlungu ukubuza umboneleli wakho wezempilo.
8. Cela unikezelo lweentsuku ezingama-90.
Ukufumana amayeza esiqhelo, unokujonga ukuzaliswa kweentsuku ezingama-90. Bangalinciphisa ixabiso, kwaye bongeze lula. Ngamanye amagama, amayeza owaziyo ukuba uya kuwadinga kwikamva elibonakalayo-njengonyango lwegazi oluphezulu okanye ulawulo lokuzalwa- unokukwazi uku-odola unikezelo lweenyanga ezintathu.
Endaweni yokugcwalisa rhoqo kwiintsuku ezingama-30, ukubonelelwa kweentsuku ezingama-90 kunokunciphisa iyonke ikopi. Ukuthenga ngobuninzi kunokunciphisa iindleko ukuya kuthi ga kwiipesenti ezingama-29, ngokuka IYunivesithi yaseChicago yokufunda .
9. Thenga kwi-intanethi (ngononophelo).
Uyalela phantse yonke enye into kwi-Intanethi, kungoko kutheni ungongezi amayeza kwinqwelo yakho yokuthenga yedijithali? Yindlela elungileyo yokufumana ukujongana nezinye izinto, kwaye amaxabiso aphezulu emigqaliselo inyanzelise abantu abaninzi ukuba bakhangele i-intanethi kwezinye iindlela ezinamaxabiso aphantsi. Yongeza lula, kwaye kubonakala ngathi kukuphumelela.
Ukuba usebenzisa ikhemesti eqinisekisiweyo, kunokuba njalo. Nangona kunjalo, kulula ukuthenga ngengozi iipilisi zomgunyathi. Phambi kokuba uthenge amayeza kwi-intanethi, qiniseka ukuba ikhemesti ifuna ukuba uthenge iyeza kwaye yinxalenye ye Iindawo eziQinisekisiweyo zokuziQhelanisa ne-Intanethi ze-Intanethi Inkqubo. Jonga ulwazi loqhakamshelwano, ukuba unombuzo kusokhemesti, kunye nezinye izikhombisi indawo iyasebenza-njengedilesi yendawo e-U.S.
Xa ungathandabuzeki, sebenzisa i-SingleCare yenkonzo yokuhanjiswa kwamahala simahla. Ngokubambisana neGeniusRx, sinikezela ukuhanjiswa kwekhaya kwama-4,000 amayeza ethu agcwaliswa rhoqo kuwo onke ama-50, ngesiqhelo kwiintsuku ezimbini ukuya kwezintathu. Uyakufumana amaxabiso asezantsi ngokungaguquguqukiyo nezaphulelo ezinzulu nakwezinye zeyona miyalelo iqhelekileyo.
10. Cinga ngokutshintsha isicwangciso sakho seinshurensi.
Nokuba ukhuselwe yi-inshurensi ngumqeshi wakho, okanye ngeMedicare Part D, isicwangciso sakho sinyanzelisa ukuba utsalwe, zeziphi iziyobisi ezigutyungelweyo, kunye necopay yakho kwikhawuntara yekhemisi. Ukuba ufumene imeko entsha, kwaye amayeza ayinyangayo abiza kakhulu, lixesha lokuba uphonononge ukhetho lwakho. Intlawulo ephezulu yenyanga isenokuthetha ukuba kuncitshiswe ukunciphisa okanye kuphuculwe ukugubungela iziyobisi. Xa amayeza enyanga nganye ebiza imali encinci, loo ndleko inokulinganisela.
Nokuba unayo i-inshurensi okanye akunjalo, kukho iindlela zokwehlisa iindleko zakho zokuphuma epokothweni. Ungavumeli amaxabiso aphezulu abe sisizathu sokuba ungawathathi amayeza akho!