Chitani Ntchito Yanu Yopanga Ntchito Yanu ndipo Khalani Wanzeru Ndi Khadi Lanu Labwino
Ngati munayamba mwafufuza kafukufuku wotsika kapena mankhwala osokoneza bongo pa intaneti, mudapezanso zambiri za makadi ochepetsa mankhwala osokoneza bongo.
Pokhala ndi cholinga choyambirira chothandiza odwala kupeza mankhwala awo a mankhwalawa mosavuta, makadi awa akhala othandiza kwambiri ena, pamene ena azindikira kuti pali kuchotsedwa pang'ono, ndipo enawo awonongeke.
Makhadi ogulitsa omwe amakuthandizani kulipira mankhwala anu a mankhwala sali mbali ya inshuwalansi yanu. Amakuthandizani mwina mmalo mwa inshuwalansi kapena kuwonjezera pa inshuwaransi yaumoyo.
Kumvetsa momwe makadi awa amagwirira ntchito, ndipo ngati angakhale othandiza kwa inu, ndizofunika.
Makhadi Owonetsera Mankhwala Osokoneza Bongo ndi Amene Ali Woyenerera Kugwiritsa Ntchito Iwo
Aliyense akhoza kugwiritsa ntchito khadi lochotsera mankhwala, koma osati aliyense ayenera, komanso aliyense sangasunge ndalama pogwiritsa ntchito imodzi. Kothandiza kwambiri khadi la mankhwala osokoneza bongo kungakhale kwa inu kumadalira khadi, mtengo wake, ndi malamulo ogwiritsira ntchito.
Monga Mapulani Othandizira Ambiri, makhadi ena ali ndi malamulo oyenerera. Malamulo awa angakhale malire a malire, malire a zaka (nthawi zambiri oposa 65, kapena mabanja omwe ali ndi ana aang'ono). Mitundu ya makadiyi nthawi zambiri imakhala yaulere kapena malipiro awo ndi otsika kwambiri. Iwo amaperekedwa kawirikawiri ndi boma, monga makadi a Medicare ochotsera mankhwala.
Makhadi ena sangagwiritsidwe ntchito ndi aliyense ali ndi inshuwaransi yaumoyo.
Mofanana ndi makadi omwe ali ndi zovomerezeka za zaka kapena ndalama, makadiwa amawathandiza kuthandiza anthu omwe sangakwanitse kugula mankhwalawa.
Mabungwe amodzi nthawi zina amapereka makadi kwa mamembala awo, kutanthauza kuti mukufunikira kukhala membala kuti mulandire. Makhadi awa sangapereke mankhwala osungirako mankhwala, koma amapereka kuchotsera.
Mwachitsanzo, AARP ndi FamilyWize, yomwe ili mbali ya United Way, ndi magulu awiri omwe amachita izi.
Makhadi ena amapezeka kwa aliyense. Amafuna kuti mumalipire kugwiritsa ntchito khadi, ndipo izi zikhoza kukhala malipiro a pachaka kapena pamwezi mobwerezabwereza. Pamene iwo ali opanda ufulu, iwo ndi okwera mtengo, koma angapangitse mitengo yochepa yogula mankhwala. Nthawi zambiri zimaperekedwa ndi kampani imene imayendera limodzi ndi apamtima pamsika kuti apange mitengo yochepa.
Sungani makhadi ogwirizana omwe alipo kwa aliyense amene ali ndi zoyenera za sitolo. Izi zimaperekedwa kawirikawiri ndi malo osokoneza bongo komanso malo osungirako mankhwala omwe amagula mankhwala awo. Sam's Club ndi Kmart ndi ena mwa masitolo omwe amapereka makadi awa.
Makhadi ena amaperekedwa ndi opanga mankhwala kwa anthu omwe saphimbidwa ndi dongosolo la mankhwala mwa inshuwalansi yawo ya umoyo. Mwachitsanzo, makadi othandizira a Merck ndi Pfizer, ndipo makampani 10 omwe amagwiritsa ntchito mankhwala akupereka limodzi khadi lotchedwa Together Rx Access Card.
Khalani Ochenjera ndi Kuchita Ntchito Zanu zapakhomo pa Khadi Lanu Lopereka Mankhwala Osokoneza Bongo
Makhadi ena osokoneza bongo amachititsa manyazi - akungotenga ndalama zokha, komanso osati kukupatsani zotsalira zomwe sizipezeka kwina kulikonse.
Ichi ndi chifukwa chake ndi kofunikira kwambiri kuti muwerenge moyenera makhadi alionse omwe mungathe kudziwa kuti zotsatsa zanu, za mankhwala anu enieni, zidzakhala zotani.
Dziwani ngati Khadi Lopereka Mankhwala Osakaniza Mankhwala Adzakupulumutsani Ndalama
Mungathe kusankha ngati khadi lochepetsa mankhwala osokoneza bongo lidzakuthandizani kupeza mayankho a mafunso awa:
- Kodi zimakugwirani kuti mupeze khadi? Ena ndi omasuka, koma si onse. Kodi malipiro ake ndi otani, kapena mtengo wotani? Ngati pali malipiro, kodi ndi nthawi imodzi yokha? Kapena kodi amabwerera?
- Kodi khadi ili ndi ulemu ku pharmacy yanu? Ngati khadi silikulemekezedwa ndi mankhwala omwe mukusankha, kodi ndinu okonzeka kusintha mankhwala kuti mugwiritse ntchito mankhwalawa? Ngati mankhwala omwe mukusowawa amapezeka kokha kupyolera mu makalata a makalata, kodi mumayenera kulipira ndalama zowonjezera ndi kusamalira?
- Kodi khadi likuphimba mankhwala omwe mumatenga? Sikuti khadi lililonse lidzakuthandizira kulipira mankhwala onse. Chomwe chimakhala chofala kwambiri ndi mankhwala omwe mumakhala nawo, ndibwino kuti mutha kuchepetsa. Makhadi ena amakhudza mankhwala ochiritsira ndipo ena samatero.
Mukadziwa kuti mankhwalawa akuphimbidwa, komanso kuti mutha kupeza mankhwala osokoneza bongo kudzera mu mankhwala omwe amavomerezedwa kwa inu, mufunika kufufuza mtengo wa mankhwala ogwiritsira ntchito khadi. Ndiye inu mukufuna kuti mufunse:
- Kodi ndayerekezera mtengo wa mankhwala osokoneza bongo kupyolera mu pharmacy ndi madokotala ena kumudzi kwanga?
- Kodi ndingapeze mtengo wotsika pogwiritsa ntchito khadi la mankhwala kuposa mtengo wina uliwonse umene ndapeza, ngakhale nditaganizira mtengo wopeza khadi, kapena ndalama zotumizira (ngati zilipo)?
Mukapanga kafukufuku pa khadi lirilonse muli oyenerera, mudzatha kudziwa njira yabwino yopulumutsira ndalama.
Kodi Mungapeze Kuti Kalata Yopereka Mankhwala Osakaniza Mankhwala?
Nazi malingaliro angapo potsata kalata yotsikira mankhwala:
- Madokotala Osowa Amakhala ndi mndandanda wamakalata ochepetsa mankhwala osokoneza bongo omwe amaperekedwa kwa anthu omwe amakwaniritsa zosowa zawo.
- Dziko lililonse ku United States liri ndi mapulogalamu othandizira anthu kupeza mankhwala omwe akufunikira.
- Mawebusaiti angapo amapereka makhadi okhudzidwa ndi mankhwala osokoneza, pogwiritsa ntchito kuyenerera kwanu. Apeze pa PatientAssistance.com, TogetherRX, RxAssist, kapena Discount Card.com.
- Fufuzani ndi mankhwala osungirako mankhwala kapena malo osungirako masitolo kuti muwone ngati akupereka makadi osakwera. Km, Kmart, Costco, Club ya Sam, Walmart ndi ena ambiri amapereka zotsatsa, zina zomwe ziri ndi zofunikira. Sikuti kuchotsera konse kumaperekedwa m'masitolo awo onse.
- Fufuzani ndi mabungwe omwe muli nawo - mungadabwe kuti makadi angapezeke ndi ndalama zingati (kapena simungakhoze) kuzipulumutsa. Mwachitsanzo, a American Association of Retired People (AARP) amapereka makadi monga American Automobile Association (AAA).
- Kufufuzira kwa injini yowonongeka kudzapangitsa maina a makadi ambiri omwe alipo kwa aliyense wogula. Chonde pitani kuntchito kwanu kuti mutsimikizire kuti ngati mutalipira kugwiritsa ntchito khadi, mudzalandiradi phindu. Mawebusaiti ambiri amanena kuti adzakupatsani zotsatira. Koma mutapereka ndalama zambiri, mudzaphunziranso kuti palibe phindu lililonse, kapena sikokwanira kulipira malipiro.
Pansi
Ambiri aife tikhoza kusunga ndalama tikamagula mankhwala athu odwala ngakhale tilibe inshuwaransi. Kumvetsetsa momwe ndalama zowonjezeretsera mankhwala zimagwirira ntchito ndipo kaya ndife oyenerera zingachepetse mtengo wathu pazolemba zathu - koma khalani anzeru komanso mosakafukufuku ndikugwiritsa ntchito khadi lanu. Mumafuna kuti izi zithandize ndikupweteka pocketbook yanu.