Uyigcina njani imigqaliselo yeWalgreens

Imfundo yezeMpilo

Kwiminyaka nje embalwa edlulileyo, iinkqubo zokonga ikhemesti zazifumaneka kuyo yonke indawo. Uninzi lweekhemesti ezinkulu zibonelela ngohlobo oluthile lwenkqubo yesaphulelo samachiza enziwe afana nalawo aveliswe ngumenzi. Emva koko, amaxabiso amayeza enziwe afana nalawo enziwe ngumenzi aqala ukunyuka, kwaye enye indawo yokuthengisa amayeza emva kwenye yalahla iinkqubo zokufumana isaphulelo ngokupheleleyo.

IiWalgreens, nangona kunjalo, isanikezela ngeKlabhu yoGcino-mali yoGcino-mali, ebisoloko yenye yezona nkqubo zibalaseleyo zokufumana amayeza kolu shishino. Kwimali encinci yobulungu, abaguli abangaqinisekiswanga nabangaphantsi kwe-inshurensi banokufikelela kwizaphulelo ezikhethekileyo kumayeza angaphezu kwama-8,000-abanye befumana nje iidola ezimbalwa ngenyanga.

Yintoni iklabhu yoLondolozo lweWalgreens?

IKlabhu yoLondolozo yoLondolozo lweWalgreens ibonelela ngezaphulelo eziphuma epokothweni kuninzi lwamachiza enziwe afana nalawo enziwe ngumenzi, amanye amachiza anegama lophawu, amayeza Izinto zeswekile , ugonyo, nkqu neenkonzo zeklinikhi. Amalungu eklabhu ahlawula umrhumo wonyaka kwaye ngokuzenzekelayo afumana izaphulelo kwimigqaliselo efanelekileyo kunye neenkonzo.

IKlabhu yoLondolozo lweeMali yinkqubo yobulungu efuna ukubhaliswa kunye nentlawulo yonyaka. Ukuhlaziywa kobulungu ayizenzekeli nangona. Abathengi banokusayina kwaye bahlaziye ubulungu babo kwivenkile okanye kwi-Intanethi.

Ngaba iklabhu yommiselo yinto elungileyo? Kwabanye abathengi, umrhumo wonyaka awubonakali xa kuthelekiswa nolondolozo olunokwenzeka. Kwabanye, ukonga akunakulunga kwiindleko kunye nengxaki. Kuxhomekeka kwimeko, amayeza amiselweyo, kunye nohlobo lokugubungela umthengi anokulufumana ngesicwangciso seinshurensi. Ngenxa yokuba ezi zaphulelo zisebenza kuphela kwixabiso lokuthengisa amayeza (ngaphandle kokusebenzisa i-inshurensi yezempilo), umthengi kufuneka athelekise i-copay yakhe ne-inshurensi kwisaphulelo seWalgreens ukuze afumane eyona nto intle. Abathengi abaneinshurensi elungileyo yezempilo banokufuna ukunamathela kwiinshurensi yabo, ngakumbi amayeza anexabiso eliphezulu.

Iinkqubo zokugcina amayeza amayeza ziluncedo ngakumbi kwizigulana ezingaqinisekiswanga ezinobunzima bokulawula amaxabiso aphezulu eziyobisi kunye nabo banesicwangciso esiphakamileyo sezempilo. Aba bathengi baya kubuyisa umrhumo wobulungu babo kwaye banokufumana okuninzi ngakumbi ngokusebenzisa ikhadi amaxesha ambalwa kwiiWalgreens.

Yimalini isicwangciso sokumiselwa kweWalgreens?

Umrhumo wonyaka wobulungu beWalgreens Preservation Savings Club uyi- $ 20 yabantu kunye ne- $ 35 yeentsapho. Ubulungu bosapho buhlanganisa amaqabane, bonke abaxhomekeke kuneminyaka engama-23 ubudala, kunye nezilwanyana zasekhaya. (Le nkqubo ibonelela ngezaphulelo kumayeza ezilwanyana zasekhaya anezinto ezifanayo nabantu, njenge-amoxicillin okanye iProzac.)

Akukho zindleko zifihliweyo, iifizi ezongezelelweyo, izongezo, okanye uhlaziyo. Ixabiso olibhatalayo lixabiso olibhatalayo.

Nangona kunjalo, ngenxa yokuba ubulungu beWalgreens Prescription Savings Club buza nesiqinisekiso sokonga, amalungu aqinisekisiwe ukuba aya konga ubuncinci iindleko zobulungu babo. Ukuba akunjalo, iiWalgreens ziya kuwuhlawula umahluko. Ukuba ucinga ngesiqinisekiso sokonga, indleko eziyinyani zesicwangciso semithi yeWalgreens yi- $ 0 ukuba uthenga amayeza akho amayeza kwikhemesti yeWalgreens.

Umntu othile unokubuza ngokufanelekileyo ukuba kutheni iiWalgreens zingabiza ubulungu ukuba ziqinisekisa ulondolozo kwaye zibonelela ngembuyekezo eyinxalenye. Kutheni unganikeli ubulungu mahala? Impendulo ilula. Ukuhlawula umrhumo wekhadi kukhuthaza abantu ukuba bathenge amayeza amiselweyo eWalgreens okanye eDuane Reade (eyeWalgreens).

Ayisiyonto imbi leyo. Kubathengi abahlawula imali okanye abathengi abangaphantsi kwe-inshurensi, iKlabhu yoGcino-mali yoGcino-mpahla ibeka ama-Walgreens amaxabiso aqhelekileyo phantse ngokulingana nee-pharmacy ezinexabiso eliphantsi. Zininzi izizathu ezilungileyo zabathengi abathembekileyo ukuba bakhethe iiWalgreens- inkonzo, ukhuseleko, ukuqhelana, okanye ubudlelwane bokuthembela kwinto ethile Usokhemesti weWalgreens . Inkqubo yesaphulelo ivumela abo baguli ukuba bahlawule amaxabiso asondele kumaxabiso emali asezantsi kakhulu kwintengiso kwaye bahlala kwikhemesti abayithandayo.

Ngaba kukho naziphi na izithintelo?

Asinguye wonke umntu onokuthi ajoyine le nkqubo. Amanye amazwe akayiboneleli iKlabhu yoLondolozo yoLondolozo lweWalgreens, kwaye benza umahluko phakathi kwezicwangciso zesaphulelo somyalelo kunye neinshurensi yommiselo. Nangona iinkqubo zokonga amayeza zijongeka njenge-inshurensi, zinjalo hayi i-inshurensi.

Umahluko phakathi kwe-inshurensi kunye neenkqubo zesaphulelo kubalulekile ekuqondeni ukuba kutheni le nkqubo ingafumaneki kuwo wonke umntu kuyo yonke indawo.

Umzekelo, iKlabhu yoLondolozo lweziyobisi ayifumaneki eConnecticut, eMassachusetts, eMississippi naseWashington. Abenzi bomthetho kula mazwe mhlawumbi abawaqwalaseli amakhadi ezaphulelo njengemali ehlawulwa ngendlela efanayo ne-inshurensi, okanye bacinga ngezi nkqubo zesaphulelo njengezinto ezihlawulwayo kumthengi.

Ngesizathu esinye, amakhuphoni okuphungula iziyobisi kunye neenkqubo azinakusetyenziswa xa kuthengwa amayeza amayeza kunye neMedicare, Medicaid, okanye nayiphi na enye i-inshurensi yezempilo ebonelelwa ngurhulumente okanye ukhathalelo lwempilo. Ke ngoko, iiWalgreens aziyi kuvumela abaxhamli kwi-inshurensi kagqirha exhaswa ngurhulumente ukuba babhalise kwiKlabhu yabo yoGcino-mali.

Lilonke, kuthintelwa izithintelo ezimbalwa kubulungu:

• Izigulana ezikwiMedicare, Medicaid, okanye nasiphi na isicwangciso sezempilo esixhaswa ngemali ngurhulumente asifanelekanga ukuba sijoyine le nkqubo.
• Ikhadi alinakusetyenziswa kwiikhemesti zeWalgreens ezikwiConnecticut, Massachusetts, Mississippi, nase Washington.
• IAmerican Samoa, iGuam, kunye neZiqithi zeMantla Mariana (imimandla yaseUnited States) azinazo iivenkile zikaWalgreens.
• Okokugqibela, ikhadi alinakusetyenziswa nge-inshurensi ukunciphisa indleko zepopay yomyalelo.

Ibandakanya ntoni iklabhu yokuGcina imali yaseWalgreens?

IKlabhu yoLondolozo yoLondolozo lweWalgreens inikezela ngamaxabiso amisiweyo kwi Ixabiso eliphantsi kakhulu lamayeza , yahlulwe yangamanani amathathu / amaxabiso esaphulelo:

• Inqanaba lesi-1 leziyobisi Ixabisa i-5 yeedola kunikezelo lweentsuku ezingama-30 kunye ne- $ 10 yokubonelelwa kweentsuku ezingama-90. Imizekelo yeziyobisi ze-tier 1 yimetformin kunye nepenicillin.
• Inqanaba lesi-2 leziyobisi Ixabiso le- $ 10 yokubonelela ngeentsuku ezingama-30 kunye ne- $ 20 yokubonelelwa kweentsuku ezingama-90. I-Simvastatin kunye ne-albuterol yimizekelo yeziyobisi ezi-2.
• Inqanaba lesi-3 leziyobisi Ixabisa i-15 yeedola kunikezelo lweentsuku ezingama-30 kunye ne- $ 30 yokubonelelwa kweentsuku ezingama-90. Imizekelo yamanqanaba amathathu eziyobisi zibandakanya i-acyclovir kunye ne-ketoprofen.

Izaphulelo ziya kusetyenziswa ukufaka igama leziyobisi. Nangona kunjalo, ukuba kukho ulingano olufana nolo luqhelekileyo, luya kufakwa endaweni yohlobo lwegama lophawu, nokuba kuluhlu lweziyobisi olunesaphulelo. Kwiimeko ezinjalo, iKlabhu yoGcino-mali yoGcino ayiyi kuyigubungela imveliso.

Ezinye izibonelelo zenkqubo yesaphulelo zibandakanya:

• Izaphulelo zivuliwe amayeza ezimbaxa
• I-5% ukuya kwi-20% isaphulelo kwizikhuseli zogonyo, kubandakanya isaphulelo se-20% kwimipu yomkhuhlane
• Amaxabiso anesaphulelo kwi Iifayile kunye neemitha zeswekile yegazi phakathi kwezinye izixhobo zonyango
• Iikhredithi zebhonasi zokuthenga iiWalgreens kunye neNice! Iimveliso ezinophawu ezinokusetyenziswa kwizinto ezifanelekileyo kwivenkile yonke

Inkqubo yebhonasi ivuza abathengi ngokuthenga iimveliso zohlobo lweWalgreens ngokongeza i-10% yexabiso lokuthenga njengekhredithi yebhonasi kwikhadi. Abathengi banokusebenzisa ikhredithi ukuthenga ezinye izinto evenkileni, ngaphandle kobisi, utywala, icuba, amakhadi ezipho, izitampu, kunye nezinye izinto ezimbalwa.

Ezinye iindlela zokonga kwimigqaliselo yeWalgreens

Abathengi abangakulungelanga ukuya kwiKlabhu yoLondolozo lweMigqaliselo banezinye iindlela abanokugcina ngazo kuthengiso lweziyobisi kuWalgreens:

1. Cinga ngeMedicaid

Izigulana ezinengeniso esezantsi zinokujika ziye kwiinkqubo zeMedicaid zokufumana iziyobisi. Abaxhamli beMedicaid bafumana amachiza enziwe afana nalawo aveliswe ngumenzi ngaphandle kweendleko. Ukufaneleka kweMedicaid kusekelwe kwingeniso. Unokufumana ukuba ukulungele na ukufumana ingxelo Apha .

2. Faka isicelo soncedo lwesigulana

Abenzi beziyobisi abanyanzelekileyo ukuba basebenzise amayeza kunye nemibutho engenzi nzuzo banikezela ngoncedo lwesigulana ukunceda abantu abangakwaziyo ukuhlawulela amayeza abo. Ukuba umthengi ufaneleke ukuba afumane enye yezi nkqubo, banokuba nakho ukufumana amayeza egama lophawu ngaphandle kwendleko.

3. Gcwalisa unikezelo lweentsuku ezingama-90

Njengezinye iimpahla zasekhaya kunye nezinto eziyimfuneko, ifilosofi yokuthenga ngobuninzi ihlala iyinyani kwimigqaliselo, nayo. Iindleko eziphezulu eziphezulu zokugcwalisa amayeza amakhulu zinokugcina imali ekuhambeni kwexesha.

4. Sebenzisa ikhadi lokonga i-SingleCare

I-SingleCare kunye neWalgreens zisebenzisana ngokuthe ngqo ukubonelela ngamaxabiso asezantsi amayeza kubathengi babo. Amakhuphoni eziyobisi asimahla e-SingleCare anokunciphisa iindleko zamachiza amaninzi kangange-80% kwiiWalgreens nakwezinye iikhemesti.