Yimalini? Ixabiso lamagqirha akho amiselweyo ngokuchasene nenye into onokuyithenga

Inkampani

Abantu abaninzi bayasokola ukufumana amayeza abo.

Njengokhemesti, le yinto endihlangana nayo phantse yonke imihla, utshilo uKristi Torres, uFarm.D., Usokhemesti ophetheyo Iklinikhi yoNyango lweKliniki yaseAustin kunye nelungu leBhodi yokuPhononongwa kwezeMpilo eSingle. Kukho ukubonakala kokudakumba ebusweni besigulana kulandelwa yingxelo efana nokuthi 'Uthethe malini?' Okanye 'Andinakuyenza loo nto.'

Umntu omnye kwabane othatha amayeza kagqirha athi kunzima kubo ukuhlawulela loo mayeza, ngokweziphumo zovoto ezivela Isiseko soSapho seKaiser (KFF). Abantu kunokwenzeka ukuba bathi banengxaki yokufaka amayeza abo ngabantu abachitha i-100 yeedola okanye nangaphezulu ngenyanga kwimigqaliselo emiselweyo, belandelwa kufutshane ngabantu abakwimpilo entle okanye enkenenkene.

Amachiza-amagama amachiza angenalo olunye uhlobo oluqhelekileyo ahlala enexabiso, utshilo uGqirha Torres. Oku kuhlala kubandakanya i-insulin kunye nezinye iindlela zonyango lweeswekile, phakathi kwabanye.

Iziyobisi ezibiza kakhulu

Amehlo akho angaphangalala ngeendleko zamanye amayeza abiza kakhulu kwintengiso okwangoku, ngokweedatha zemiyalelo ye-SingleCare. Amanye amachiza amatsha aneethegi zamaxabiso kula manani mahlanu. Nokuba amayeza abiza kakhulu kunamachiza aphezulu kuluhlu angabiza kakhulu ukuba i-inshurensi yakho yezempilo ayiligqibi ixabiso-okanye ukuba awunayo i-inshurensi.

Thatha Humira . Abantu abaninzi baxhomekeke kuyo ukubanceda baphathe iintlungu kwiimeko ezahlukeneyo zempilo. I-Humira sisiyobisi se-immunosuppressive esihlala simiselwe ukunyanga iimeko ezinje nge-rheumatoid arthritis kunye ne-ankylosing spondylitis, kunye ne-ulcerative colitis kunye nesifo sika-Crohn. Iwela kudidi lwamayeza abizwa ngokuba yi-tumor necrosis factor (TNF) blocker kuba ibhloka isenzo se-tumor necrosis factor, into eveliswe emzimbeni wakho enokubangela iintlungu nokudumba.

Kwaye akubizi. Uhlobo olunye lwe Ifom ye-Humira iya kukuseta umva $ 9,829 unikezelo lwenyanga. Hayi, ayisiyo itypo. Ngexabiso elifanayo unokuthenga ezimbini Inkcazo ye-ultra-high-definition oko kungathatha isiqingatha sodonga kwigumbi lakho lokuhlala. Okanye ungathenga i-14 imodeli yakutshanje ye-iPhone . Ezinye iinguqulelo zeHumira ngenaliti zixabisa i- $ 8,817 (ii-iPhones ezili-12) kunye ne- $ 7,037 (ii-iPhones ezili-10) kangangeentsuku ezingama-30.

Ukuba ugqirha uyalela Rexulti yakho okanye ilungu losapho, uya kujonga kwibhili ephezulu njenge- $ 2,700 yokubonelela ngeentsuku ezingama-30 zepilisi ezingama-0.5 mg zale ntsholongwane. Unokutshintsha i-washer yakho yokuguga kunye neseti yokomisa ngento entsha kraca, ngetekhnoloji efanayo malunga neendleko ezifanayo. Cinga entsha ukulayisha ngaphambili umjikelo we-14 umatshini wokuhlamba we-LG $ 1,170 kunye Umatshini wokomisa umbane we-LG ngeedola ezili-1,620.

Inkqubela iphatha i-osteoporosis kwabasetyhini abasemva kwemini, kodwa kunokuba luncedo kuye nabani na osemngciphekweni omkhulu wokophuka kwamathambo. Ixabiso elimalunga ne-1,400 yexabiso lentengo linokuba sisikhubekiso kwabanye abantu. Oko ku malunga neendleko ezifanayo njengemihla ngemihla iikhofi ezingama-20 zobisi ukusuka kwi-Starbucks unyaka wonke, okanye iindleko zeentsuku ezintlanu amatikiti olwandle kwiCaribbean.

IViberzi , iyeza elisetyenziselwa ukunyanga isisu esibuhlungu, linokubiza malunga ne-1,176 yeedola ngeentsuku ezingama-30 zonikezelo lweepilisi ezili-100 mg. Oko ku malunga neendleko ezifanayo ezincinci, ezikhazimlayo ezintsha Ilaptop yeMicrosoft Surface 3 ikhompyutha. Okanye ungathenga amalungu amathathu osapho lwakho nganye iseti yazo ii-Beats eziphakathi kwexabiso nge-Dre headphone .

Uyigcina njani imigqaliselo

Ngethamsanqa, unokukhetha ezimbalwa. Thetha nogqirha wakho ukuba ngaba i-inshurensi yakho yezempilo ayihlawuli iindleko zamachiza akho. Unakho ukumisela uhlobo oluthile okanye olweendleko eziphantsi.

Ndiye ndaba nezigulana ziyeke amayeza okanye ukufowunela kwaye zicela amayeza ahlukeneyo, utsho UNikki Hill, MD , ugqirha wesikhumba kunye neZiko le-SOCAH e-Atlanta, Georgia. Kunzima ukuba azikho ezinye iindlela. Kufuneka siyiqonde into ethathwa njengebizayo kwizigulana.

Unokuphinda uthethe nosokhemesti wakho, onokuthi abe nakho ukuchaza ukuba i-inshurensi yakho etsalwayo iyichaphazela njani indleko okanye akuncede ufumane iinkqubo zoncedo ezinokuhlawula iindleko. Eyona njongo yam iphambili [njengekhemesti] kukwazisa abaguli ukuba ndilapha ukuzobanceda, utshilo uGqirha Torres.

Ezinye zeenkqubo ezinokunceda ekuhlawuleni iindleko zonyango zibandakanya iinkqubo zoncedo lwamayeza ezibonelelwa ngabavelisi bamachiza, iinkqubo zoncedo lwamayeza ezixhaswe ngurhulumente, kunye neenkqubo zesisa ezinje ngeSiseko seGqwetha likaZwelonke.

Iikhemesti ezininzi zibonelela ngezicwangciso zesaphulelo semali kubantu abangaqinisekiswanga, kwaye zininzi iindlela zokukhetha amakhadi ezaphulelo ekhemesti, athabatha ipesenti kwixabiso lentengiso yeziyobisi, wongeza uGqirha Torres.

Olunye lolo khetho likhadi lokugcina i-SingleCare. Ungajonga ixabiso lokumiselwa kwakho ekhaya; okanye ungacela usokhemesti ukuba ajonge umahluko wamaxabiso. Ungalisebenzisa ikhadi nokuba unayo i-inshurensi (kubandakanya iMedicare Part D) okanye awuqinisekiswanga.Nangona kunjalo, i-SingleCare ayinakusetyenziswa ngokudibeneyo ne-inshurensi yakho okanye icandelo leMedicare D-ungasebenzisa enye okanye enye. Kwiimeko ezininzi, sinokubetha ixabiso lemali-okanye nexabiso lakho lekopi.

Ngalo lonke ixesha qiniseka ukuba uthelekisa ukhetho lwakho ukuze ufumane okona kulungileyo kunokwenzeka-ukuze ube nakho ukufikelela kwi-TV eneflethi okanye i-iPhone entsha…. kunye namayeza akho.

Amaxabiso asekwe kwidatha ukusukela ngoDisemba 2019. Amaxabiso amiselweyo ahluka ngokwendawo ekhemesti, kwaye anokutshintsha.