Ndinga chengeta sei pamushonga wangu?

Kambani Bvunzai Imwe Care Mishonga inodhura, asi pane nzira dzekudzikisa mutengo.

Zvinyorwa zvinodhura-hapana nzira mbiri nezvazvo. Kana iwe uchigara muU.S., zvinoreva kuti iwe unobhadhara yakawanda pamunhu pamushonga kupfuura chero imwe nyika ine hupfumi pasi rose. Paunenge uchiri mudiki uye uine hutano, unogona kusanetseka zvakanyanya. Asi kana iwe ukaonekwa uine chirwere chisingaperi kana uchida mushonga unodhura, mitengo yacho inogona kuwedzera nekukasira.

Chikamu chechina chevakuru vanotora mushonga vanoti zvinonetsa kutenga mishonga yavo, zvinoenderana nedatha yakaunganidzwa ne Kaiser Mhuri Foundation . Kunyangwe iwe uri chikamu chevane makumi manomwe neshanu muzana vasiri kubaya masendi kubhadhara mushonga, zvinogara zvakanaka kuti uve nemari yekuwedzera muhomwe yako. Heano mashoma maitiro ekukubatsira iwe chengetedza pane zvirevo.

1. Enzanisa mitengo.

Usati watenga ndege, iwe unofananidza mutengo wekusiya panguva dzakasiyana kana kushandisa imwe ndege. Paunotenga zvekupfeka, unogona kumirira kuti utengese kana kutenga imwe mhando kuti uchengete madhora mashoma. Nei uchifanira kutora mushonga wako kuve wakasiyana?

Kunyangwe hazvo vanhu vazhinji vachida mushonga pane imwe nguva muhupenyu hwavo, vanhu vazhinji havazive kuti mitengo inosiyana pakati pemishonga. Kuchinja kubva paRite Aid kuenda kuCVS kunogona kukubatsira kudzikisa mutengo, kunyanya pamitemo inodzokororwa. Kana, kuyedza hombe-bhokisi chitoro kunogona kukuisira mari yakawanda.

Usanetseka. Iwe haufanire kushanyira akawanda ma pharmacies kuti uenzanise mitengo, kunyangwe iwe ukatora mishonga yakawanda. Pane kudaro, tsvaga mushonga wako paSingleCare uye nyora yako zip kodhi kuti uwane ma pharmacies padyo newe nemitengo yakanakisa.

2. Shandisa kadhi rekuchengetedza chemishonga.

Kadhi yemutero yemakadhi, seSingleCare, inogona kukubatsira kudzikisa mitengo kusvika ku80%. Iyo yemahara, uye iri nyore kushandisa. Ingoenda ku singlecare.com (kana kurodha pasi iyo app ), uye tsvaga mushonga wako. Ita shuwa yekugadzirisa mafirita edosi yako uye huwandu, wobva wasarudza coupon rehemesi nemutengo wakaderera. Kana iri nguva yako yekutanga kuzadza mushonga neSingleCare, unowana madhora mashanu. Zvino, nguva yega yega iwe paunozadza imwe, iwe unowana imwe yekuwedzera $ 1 kumishonga yako neyedu Nhengo Kuchengetedza chirongwa.

ImweCare yemutengo wekujekesa machati ngaakuenzanise nemutengo wemari kuSingleCare yekuchengetedza yegore rapfuura. Kana iri yakaderera pane yako inishuwarenzi copay, iwe unoziva iwe uri kuchengetedza mari.

3. Tarisa coupon.

Kana mushonga uri mutsva, unowanzo kuve unodhura uye unongowanikwa chete mune yavo zita-zita fomu. Kazhinji vagadziri vezvinodhaka vanopa macouponi kune vanhu vanosangana nezvimwe zvinodiwa, sekupa ruzivo rwekurapa kana kuve inishuwarenzi. Kuchengetedzwa kwemishonga kwakanaka, asi havazi vese vanogona kuishandisa.

Mamwe mafamesi anotengesa anozopa makuponi ekunyengedza vatengi kuti vazadze zvirevo nazvo. Semuenzaniso, unogona kuwana madhora makumi maviri nemashanu muchitoro chechipo muchitoro chako chekutanga mushonga semutengi mutsva.

4. Nyorera rubatsiro rwekunyorerwa.

Zvirongwa zvekubatsira (PAPs) zviripo kutsigira vanhu vanoda mishonga, asi vasingakwanise. Kune mhando dzakawanda dzakasiyana dzinopihwa na: vagadziri vezvinodhaka, nyika kana hurumende dzemuno, uye zvisina purofiti. Mazhinji anoenderana pakuratidzira kudiwa kwemari kana kuramba kubva kukambani yeinishuwarenzi. Vanonhina.org inzvimbo yakanaka yekutanga kutsvagisa kana aya madonhwe ekurapa aripo kwauri.

5. Kumbira generic.

Generic uye zita-zita zvinodhaka zvine zvakafanana zvinoshanda zvinoshandiswa. Zvinoreva, ivo vanozove nehumwechete kugona kwekurapa mamiriro ako. Musiyano mukuru ndiwo mutengo kwauri.

Brand-zita zvinodhaka zvinowanzo kuve zvinodhura nekuda kweyakareba nzira yekuvandudza zvinodhaka. Vagadziri vanobhadharisa zvimwe kubhadhara mari. Patent painopera, vamwe vagadziri vanogona kuburitsa mushonga, uye makwikwi anodhira mutengo pasi.

Semuenzaniso, iyo anticonvulsant mishonga Lamotrigine ER ine mutengo wekutengesa unogona kudarika $ 500. Wedzera imwecheteCare koponi, uye iyo mutengo unogona kunge uri pasi pe $ 50.

6. Edza imwe mishonga.

Vanachiremba vazhinji vanoziva kuti mimwe mishonga inodhura kupfuura mimwe. Kana iwe uchinetseka kupa kurapwa kwako, taura nachiremba wako nezve kuyedza imwe yakatemwa tsamba iyo inogona kudhura zvishoma.

Iva nehurukuro yakasununguka nemupi wako wehutano wehutano pamusoro pemutengo wemishonga yako. Be kutendeseka nachiremba wako pamusoro pekukosha kwemari inoenderana nemishonga, anodaro Shaili Gandhi, Pharm.D., mutevedzeri wemutungamiriri wemabasa epamutemo kuSingleCare. Generic mishonga inogona kuve chidimbu chemutengo sezita rezita, kana imwe yakaenzana mishonga inogona kudhura zvakanyanya. Ukasazvitaura kuna chiremba wako, vangangofungidzira kuti inishuwarenzi yako ichabhadhara mishonga inodhura

Asi inishuwarenzi haisi kugara ichivhara, uye kunyangwe ikadaro, tinoziva kukosha kwekuchengetedza.

Mishonga mitsva inowanzoita mari yakawanda, nepo zvimire zvekare zvakadai sepenicillin uye statins zvine mitengo yepasi. Panogona kuve neyakaenzana kurapwa kuyedza izvo zviri nyore pachikwama.

7. Tsvaga kana uchida mushonga iwoyo.

Kana iwe wanga uchitora iwo iwo iwo mushonga kwemakore, zvakakodzera kuti utarise mukati kuti uone kana iwe uchiri kuda iwo iwo mushonga. Iva nechokwadi chekuti hausi kubhadhara mishonga yausingachade, Dr. Gandhi anokurudzira. Taura nemupi wako wezvehutano nezve shanduko yemararamiro inogona kubvisa mushonga kubva kuhurongwa hwako hwezuva nezuva. Kana, ingo tarisa mukati mushonga wawakave nawo kwemakore.

Kana iwe waita shanduko yemararamiro inoshanda, inogona kudzikisira kuda kwako mimwe mishonga. Hazvina kana kumbokuvadza kubvunza wako mupi wezvehutano.

8. Kumbira kupihwa kwemazuva makumi mapfumbamwe.

Pamishonga yenguva dzose, unogona kufunga nezve mazuva makumi mapfumbamwe ekuzadza. Ivo vanogona kudzikisa mutengo, uye kuwedzera nyore. Mune mamwe mazwi, kumishonga yaunoziva iwe yauchazoda mune inotarisirwa ramangwana - semushonga weBP uye kurapwa kwekuzvarwa - unogona kukwanisa kuodha kwemwedzi mitatu.

Panzvimbo pekuzadza mazuva makumi matatu ega ega, kupihwa kwemazuva makumi mapfumbamwe kunogona kudzora huwandu hwecopay. Kutenga muhuwandu kunogona kutapudza mutengo kusvika pa29%, zvinoenderana ne Yunivhesiti yeChicago kudzidza .

9. Shop online (nokungwarira).

Iwe unohodha zvese zvimwe zvese online, saka wadii wedzera mishonga kune yako yedhijitari yekutengera ngoro? Iyo inzira huru yekuwana madhiri pane zvimwe zvinhu, uye mutengo wakakwira wemishumo wakasunda vanhu vazhinji kutsvaga internet nzira dzakaderera-mutengo. Wedzera zviri nyore, uye zvinoita sekuhwina-kuhwina.

Kana iwe ukashandisa yepamutemo chemishonga, zvinogona kudaro. Zvisinei, zviri nyore kuti netsaona utenge mapiritsi ekunyepera. Usati watenga mishonga pamhepo, ita shuwa kuti chemishonga inoda mushonga wekutenga uye chikamu che Yakavimbiswa Internet Pharmacy Dzidzira Sites (VIPPS) chirongwa. Tsvaga ruzivo rwekuonana, kana iwe uine mubvunzo kune wemishonga, uye kune zvimwe zvinoratidza kuti saiti iyi inoshanda-kunge kero chaiyo muU.S.

Paunenge usina chokwadi, shandisa SingleCare yemahara tsamba yekuendesa sevhisi. Takabatana naGeniusRx, tiri kuendesa kumba zviuru zvina zvemishonga yedu inowanzo zadzwa kumatunhu ese makumi mashanu, kazhinji mumazuva maviri kusvika matatu. Iwe unozowana mitengo inogara yakadzikira pamwe nezvidimbu zvakadzama pane mamwe emitemo inowanzo zadzwa.

10. Funga nezvekuchinja hurongwa hweinishuwarenzi.

Kunyangwe iwe wakafukidzwa neinishuwarenzi kuburikidza newaunoshandira, kana neMedicare Chikamu D, chirongwa chako chinoraira yako inobvisirwa, ndeapi madhiragi akafukidzwa, uye yako copay kukambani yemishonga. Kana iwe ukabatwa uine hutsva mamiriro, uye mushonga unorapa unodhura kwazvo, inguva yekuongorora zvaunogona kuita. Mubhadharo wakakwira zvishoma pamwedzi ungareva kudzikisira kuderedzwa kana kuvandudzwa kufukidzwa kwemishonga. Kana mushonga wemwedzi wega wega uchidhura zvishoma, iyo mari inogona kuenzanisa.

Kunyangwe iwe uine inishuwarenzi kana kwete, pane sarudzo dzekudzora yako yekunze-kwehomwe mari. Usarega mitengo yakakwira ichive chikonzero iwe usatore mishonga yako!