Yintoni eyenza ukuba imigqaliselo ibize kakhulu?

Inkampani ibuze i-singleCare

Amachiza amiselweyo ayinxalenye yokhathalelo lwempilo; banceda ukulawula iimpawu, ukunyanga izifo, kunye nokusindisa ubomi. Nangona kunjalo, indleko eziphezulu zamayeza amiselweyo zinokuthatha isixa esikhulu kuhlahlo-lwabiwo mali lwenyanga kubantu abaninzi e-U.S. Kungade kubenzakalise abo banakho ukufikelela kwizicwangciso zeinshurensi yezempilo elungileyo- singasathethi ke ngabantu abakhetha iMedicare. Ezi kopi zeedola ezingama-30 zidibanisa. Xa ucinga ngokungakwaziyo ukuphosa unyango olufumaneka kuphela njengeziyobisi ezinamagama, akumangalisi ukuba abathengi baya ematyaleni ukufumana iimeds zabo.

Iindaba ezimbi zezokuba akubonakali ngathi inkcitho yokhathalelo lwempilo izakwehla nangaliphi na ixesha kungekudala. Ixabiso elingaphezulu kwama-3,400 amayeza amiselweyo inyuke ngo-2019 , ngokunyuka okuphakathi kwe-10.5%. Lo mndilili ubandakanya iziyobisi ezingama-41 ezinamaxabiso aphezulu adubule ngaphezulu kwe-100%, kubandakanya Iprozac , yeyiphi inyuke ngama-879% . Ngelishwa, oku kuthetha ukuba ezinye izigulana ziyasokola ukuhlawula imigqaliselo efuneka kakhulu okanye, kwiimeko ezimbi, Ukutsiba ngokupheleleyo .

Kwaye ngaphandle kokunyuka kwamaxabiso minyaka le, amanye amayeza amiselweyo ayabiza kakhulu. Thatha, umzekelo, ifayile ye- Humira ipeni, esetyenziselwa ukunyanga i-bevy yeemeko ezizimeleyo ezifana nesifo samathambo, isifo sikaCrohn, kunye nesilonda esibuhlungu. Ixabisa phantse i-7,000 yeedola kunikezelo lweentsuku ezingama-28, ukuyenza Elinye lawona machiza abiza kakhulu eMelika ngo-2019 . Nangona kunjalo, eyona nto ikhwankqisayo yile Ummeli , iyeza lomhlaza elibiza malunga ne-19,000 yeedola kunikezelo lweentsuku ezingama-28 ukuba i-inshurensi yakho ayizukuyigubungela. Kwaye ezo zizisiyobisi esinegama lophawu olungenazo izinto eziveliswayo ezikhoyo. Inguqulelo yohlobo oluqhelekileyo lwe ICopaxone , esetyenziselwa ukunyanga i-multiple sclerosis, iphantse yafika kwi-6 300 yeedola kunikezelo lweentsuku ezingama-30.

Ngaphandle kokuba iindleko zamachiza ziyichaphazela njani impilo yethu imihla ngemihla, bambalwa kuthi abakwaziyo ukuba isebenza njani imarike yamachiza, yintoni eqhubela phambili amaxabiso aphezulu eziyobisi, kunye nendlela yokonga imali kwiindleko zonyango. Makhe sijonge ukuba kutheni iziyobisi zibiza kakhulu, ukuba ukhetho lwakho lubaluleke kangakanani, kunye nendlela i-SingleCare enokunceda ngayo.

Kutheni le nto amayeza kagqirha ebiza kangaka?

1. Ukungabikho kolawulo lwamaxabiso

Kwinqanaba elisisiseko, abavelisi beziyobisi babiza iifoto xa kuziwa kwindlela abaguli baseMelika abahlawula ngayo imigqaliselo yabo. Ngelixa iifayile ze Ukutya kunye noLawulo lweziyobisi ilawula indlela amayeza amatsha avavanywa ngayo, athengiswa ngayo, kwaye akhutshwa kwintengiso, awanalo ulawulo lwamaxabiso kumayeza. Intsingiselo, abathengi baxhomekeke kwiminqweno yento abaninzi abayibiza ngokuba yiBig Pharma.

NgoMeyi 2019 , Ulawulo lukaTrump lugqibe imfuno emitsha kubavelisi ukuba babandakanye uluhlu lwamaxabiso eziyobisi kwizibhengezo zabo zeTV. Oku kunokukwenza kucace gca ngokunceda abathengi bathelekise uluhlu lwamaxabiso eziyobisi (asetelwe ngabavelisi) kunye necopay yabo (ebekwe ziinshurensi). Nye Ufundo luka-2013 ifumanise ukuba iindleko eziphuma epokothweni nge i-inshurensi igqithe ixabiso lemali eli chiza ngaphandle i-inshurensi ye-23% yexesha.

2. Ukukhuselwa kokukhetha iziyobisi

Xa ichiza elitsha lifika kwintengiso, libekwa kwangoko phantsi ilungelo elilodwa lomenzi wechiza kwaye Ububodwa beziyobisi ukhuselo, nolungelo lobunikazi oluhlala iminyaka engama-20 ngoku. Ububodwa beziyobisi kuthetha ukuba ezinye iinkampani ezixuba amayeza azikwazi ukukhuphisana ngokuphuhlisa amachiza enziwe afana nalawo aveliswe ngumenzi aneempembelelo ezifanayo.

Kwithiyori, amalungelo awodwa abenzi bamachiza kunye neziyobisi khuthaza uphando kunye nophuhliso Unyango olungcono nolusebenzayo lwezifo eziwohlokayo njengomhlaza kwaye lunokunceda ugqatso lwangoku ukufumana unyango olusebenzayo kunye nogonyo lwecoronavirus. Ngokukhuselekileyo bakhusela uphando olufunyenwe nzima ukuba lungabiwa ngumntu okhuphisana naye. Nangona kunjalo, oku kuhlala kushiya abahlawuli benamathele kumaxabiso aphezulu eziyobisi. Enye yeengxaki ezinkulu, ngokwe UPeter B. Bach , ugqirha nomlawuli weZiko leMigaqo-nkqubo yezeMpilo kunye neziphumo kwiZiko leSikhumbuzo seCetter Kettering Cancer, kukuba umthetho unyanzelisa i-inshurensi ukuba ibandakanye ichiza ngalinye elinamaxabiso kwimigaqo-nkqubo yabo, nokuba iyasebenza okanye ixabiso.

3. Ukunyuka kwamaxabiso kumxokelelwano wobonelelo

Okwangoku, iinkampani zeinshurensi zibeka uxinzelelo kubathengi ngeeprimiyamu ezandayo zenyanga kunye Izicwangciso zezempilo ezingasoloko zigubungela iziyobisi ezinamagama . Kwaye kukho iifayile ze- abaphathi benzuzo yekhemesti (Ii-PBM) ezilawula uthethathethwano lwamaxabiso kunye nee-pharmacy, iinkampani ze-inshurensi, iinkampani zamachiza, kunye nabaqeshi bakho ukuba beze noluhlu lweziyobisi ezivunyiweyo eziza kuhlawulwa phantsi kwesicwangciso sakho. Yinkonji yokuhambisa okujijekileyo ethi, ekugqibeleni, ichaphazele umgca wakho ongezantsi.

4. Iindleko eziphezulu zolawulo

I-United States inelungelo lokuqhayisa ngelishwa Abemi bayo bahlawula amatyeli aliqela kunonophelo lwempilo kunabantu bakwamanye amazwe anengeniso ephezulu , njengeSweden, iFrance, i-U.K kunye neCanada, phakathi kwezinye. Inkqubo ye- Ijenali yoMbutho Wezonyango waseMelika Kuxelwe, ngokuchaseneyo neenkcazo zenkcitho ephezulu, inkcitho kwezentlalo kunye nokusetyenziswa kokhathalelo lwempilo eMelika azange kwahluka kakhulu kwamanye amazwe anengeniso ephezulu. Amaxabiso ezabasebenzi kunye nempahla, kubandakanya amayeza kunye nezixhobo, kunye neendleko zolawulo zibonakala ngathi zezona zinto zibangela umahluko kwinkcitho.

5. Ukhuphiswano olunqongopheleyo lweemarike

Ngokwahlukileyo, kukho iinkampani zeinshurensi ezimbalwa eYurophu naseCanada, ezibanika amandla ngaphezulu kwishishini lamayeza. Bakhululekile ukwala iziyobisi ezinexabiso eliphezulu, ngoko ke iinkampani ezixuba amayeza kufuneka ngokwenene zikhuphisane kwintengiso yasimahla. Ngenxa yoko, amaxabiso eziyobisi asengqiqweni ngakumbi xa iyonke, kwaye ngaphandle kokuba ibango lezamayeza libiza ntoni, amaxabiso asezantsi akabonakali ngathi achaphazela uphando kunye nophuhliso lweziyobisi.

Iindlela ezizezinye zokuyalela amayeza kaGqirha

Ngaphandle kwazo zonke ezo ndaba zimbi, ungalahli ithemba-unokukhetha okuninzi kunokuba kubonakala ngathi ufumana imigqaliselo oyifunayo ngexabiso elingenakukugulisa (ngakumbi). Ungakhetha iziyobisi eziqhelekileyo xa zifumaneka; banokuxabisa ukuya kuthi ga kwiipesenti ezingama-85 nge-avareji, kwaye banikezela ngezibonelelo ezifanayo zegama legama lophawu. Unokuba uthandabuza ukwehla kwexabiso elinje, kodwa kukho inkcazo elula, kwaye inento yokwenza nemigaqo ye-FDA (okanye ukungabikho kwayo).

Emva kokuphela kwelungelo elilodwa lomenzi wechiza kunye / okanye iziyobisi kwelinye ichiza liphelelwe lixesha, ezinye iinkampani ezixuba amayeza zikhululekile ukwenza uhlobo lwazo lonyango, oko kuthetha ukuba amaxabiso eziyobisi kufuneka akhuphisane ngakumbi. Ukongeza, I-FDA yenza lawula aveliswa njani, apakishwa, kwaye avavanywa, nokuba ke amayeza akho anokujongeka ngokwahlukileyo, ayakusebenza ngendlela efanayo.

Umzekelo, amayeza e-ADHD URitalin inokuthengwa kwakhona phantsi kwegama elenziwa ngokwesiqhelo i-methylphenidate, kwaye rhoqo ngexabiso eliphantsi. IMetformin , esetyenziselwa ukunyanga i-Type 2 diabetes kunye ne-polycystic ovary syndrome, iyafumaneka phantsi kwamagama egama Iswekile yeglucophage , Uqhulo , kunye noRiomet; Ungafumana i-generic glucophage ye- $ 30 ukuya kwi- $ 40 ngekhuphoni ye-SingleCare, ngelixa i-Glumetza iyi- $ 1,000, kuxhomekeke kwindawo ohlala kuyo. Kwaye, ewe, iindleko ze insulin ngeenkwenkwezi. Ngo-2019, umenzi weziyobisi u-Eli Lilly kunye neNkampani bakhululwa I-insulin iLispro , Ixabiso eliphantsi, uhlobo oluqhelekileyo lweHumalog.

Ngokwe- IOfisi yoHlahlo-lwabiwo mali yeCongressal , amachiza enziwe afana nalawo aveliswe ngumenzi asindisa abathengi kwi-avareji ye- $ 8 ukuya kwi-10 yeebhiliyoni zeedola ngonyaka. Ngexesha elizayo xa ugqirha ekubhalela amayeza, qiniseka ukuba ubuza ukuba liyeza elitsha na, kwaye nokuba ngaba ikhona na into ekhoyo.

Izixhobo zokugcina amayeza: Izaphulelo, oosokhemesti kunye namakhadi eziyobisi

Ukuya generic kunokukunceda ugcine kwiindleko zonyango. Kukho nezinye iindidi, ezinye iindlela ezizezinye zokufumana awona maxabiso aphezulu eziyobisi. Into oyifunayo kukwazi kancinci kunye nokunyamezelana, kwaye ubuncinci unokwenza isifotho kwindlela ochitha ngayo kwimigqaliselo.

Ummangaliso omkhulu kukuba ukuhlawula imigqaliselo usebenzisa i-inshurensi yakho akunakukugcinela imali kwaphela. I-copay yemveli eyi- $ 10 kumachiza enziwe afana nalawo enziwa ngumenzi iyavakala ukuba iyavakala kwasekuqaleni, kodwa kwa la machiza anokukuxabisa nje nge- $ 3 ukuba uhlawula ngaphandle kwe-pokotho ngaphandle kweinshurensi

Kwaye nokuba unayo okanye awunayo i-inshurensi, kuya kufuneka usoloko ujonga iindleko zokuyalelwa kwikhadi lokonga ikhemesti, njenge-SingleCare. Ungagcina ukuya kuthi ga kwiipesenti ezingama-80 kumayeza akho amiselweyo-kwaye akukho ntlawulo ifihliweyo okanye ukubanjiswa.

Unokuphinda ubuze usokhemesti wakho malunga neenkqubo zoncedo lwesigulana, uninzi lweenkampani ezixuba amayeza ezinikezela ngemigqaliselo kunye nezitofu zokugonya, ngokuxhomekeke kwizifundo ezahlukeneyo.

Enye indlela efanelekileyo yokugcina imali kuku thelekisa amaxabiso eRx amachiza kwiikhemesti ezahlukeneyo -Abanye baya kubiza imali encinci kumayeza athile, kwaye abanye banokunikezela ngemirhumo yokuhambisa esezantsi. Intloko kwi-singlecare.com kunye neplagi kunyango lwakho, emva koko ukhethe ikhowudi yakho ye-zip ukuthelekisa ixabiso leziyobisi kumatyathanga asekuhlaleni nakwiivenkile ezinkulu zebhokisi.

Abantu baseU.S. Baziva ngathi abanalo ukhetho xa kufikwa ekugcwaliseni imigqaliselo yabo, kodwa iSingleCare ibonelela ngendlela ecace ngakumbi nefikelelekayo yokufumana amayeza owafunayo.