Kuru >> Kambani >> Maitiro ekubhadharira zvirevo zvisina inishuwarenzi

Maitiro ekubhadharira zvirevo zvisina inishuwarenzi

Kambani

Kunyangwe iwe warasikirwa nebasa rako (uye mabhenefiti akauya naro), kana wakasungirirwa nechero-ratidziro chirongwa chisingavhare mishonga yaunoda, unogona kuzviwana iwe, pane imwe nguva, uchifanira kuzadza zvirevo pasina inishuwarenzi. Nepo mitengo yemushonga wega ichigona kuve yakakwira, mutengo wemushonga usina inishuwarenzi unogona kunge wakachipa padhuze 25% yenguva. Chii chimwe? Kune nzira dzakawanda dzekuwana dzakatowanda mari ku pharmacy.

Unoda inishuwarenzi here kuti uwane mushonga?

Kufamba nenzira yehutano pasina inishuwarenzi yehutano kunogona kutyisa, asi hakufanirwe kukumisa kubva pakutsvaga kurapwa. Unogona ona chiremba utore mushonga usina inishuwarenzi -Asi iwe uchafanirwa kusarudza mupi wezvehutano nekuchenjera kuitira kuti mitengo isadzike. Makiriniki ehutano enharaunda inzira yakanaka yemahara kana yakaderera-mari masevhisi, mazhinji achipa mitengo yekutsvedza-zvichienderana nemubhadharo wako. Kufamba-mumakiriniki uye ekukurumidzira-ekuchengetedza nzvimbo anowanzo bvumidza varwere kubhadhara nemari, asi mitengo yavo inogona kusiyana zvakanyanya. Pane rimwe divi, telemedicine -Kukurukura nachiremba pafoni kana kuburikidza newebhu portal-kazhinji inodhura pane kushanyira hofisi. Chidzidzo che2017 chakaburitswa muna Zvehutano Hutano vakawana kuti varwere vekufema vakashandisa avhareji yemadhora makumi manomwe nemapfumbamwe pakushanya kweterevhizheni maringe nemadhora zana nemakumi matanhatu nematanhatu ekushanya kwehofisi (kunyangwe zvakawanawo kuti mukana weiyo telehealth unogona kuwedzera kushandisa kwese).

Mari yekushanyira hofisi neinishuwarenzi maringe pasina inonetsa kuyera, sezvo zvinhu zvakawanda- zvinosanganisira nzvimbo uye nguva yekushanya - zvese zvinoita basa. Semaminetsi gumi neshanu ekushanyira hofisi yemurwere akasimbiswa muSeattle, semuenzaniso, ari pakati pe $ 128 ne $ 398 nepo mhando imwechete yekushanya kwemurwere muNew York inodhura pakati pe $ 138 ne $ 430, sekureva Hutano Blue Bhuku . Zvichakadaro, macopays ekushanyirwa kwechiremba akajairika anowanzo pakati pe $ 15 ne $ 25, sekureva chikwereti.org .

Musiyano wakafanana unoenda kunyorerwa mishonga zvakare. Iro zita-zita mushonga Lyrica , semuenzaniso, masosi emutengo kubva pamadhora mazana mana nemakumi matanhatu kusvika pamadhora mazana manomwe nemakumi masere pamwedzi pasina inishuwarenzi. Mapepa ekunyorwa anosiyana zvichienderana nevanopa, asi avhareji macopay anotangira pamadhora gumi nerimwe kusvika pamadhora zana nemakumi mashanu zvichienderana nedanho remishonga maererano neongororo ya2018 kubva kuKaiser Family Foundation .

Mari yemishonga inodhura yakawanda sei pasina inishuwarenzi?

Iko hakuna kuramba kuti mitengo yemishonga yemishonga inoramba ichikwira. Gore rino chete, mutengo wekutengesa wemishonga mazana mana nemakumi matanhatu wakawedzera neavhareji ye5.2%, zvinoenderana nekambani yekutsvagisa nezvehutano 3 Axis Advisors. Paavhareji, maAmerican anoshandisa anosvika madhora chiuru nemazana maviri pagore kumishonga, zvinoenderana nedata kubva ku Sangano Rezvehupfumi Kubatana pamwe neBudiriro . Kune vakawanda vasina kuvimbisirwa, izvo zviri kukwira mutengo zvinoreva kuti ivo vanofanirwa kusarudza pakati pekutora mishonga yavanoda uye kubhadhara izvo zvinodiwa senge rendi uye chikafu. Muchokwadi, a 2016 ongororo vakawana kuti 14% yevasina kuvimbwa veAmerica vangave vakadarika mibairo kana vasina kuzadza mushonga nekuda kwemutengo. Muchidimbu: Mitengo yemishonga iri kudhurira maAmerican kupfuura madhora chete-arikudhura hutano hwedu, futi.

Pane zvinhu zvakawanda zvirikutamba kana zvasvika kune yakawanda sei mishonga yemishonga inodhura. Pamwero wakakura, vagadziri vanoti mutengo wakakwira wemumwe mushonga kazhinji unobatsira kudzikisa mutengo wekutsvagisa nekusimudzira weumwe. (Zvisinei, pane zvakawanda mari yemishonga isina kuverengerwa mune iyi tsananguro .)

Pane zvishoma, uye kana iwe uine inishuwarenzi, mitengo yacho inozotorwa nehurongwa hwepuromendi (inozivikanwawo seyakanyorwa mazita emishonga), iyo inoratidza zita rezita nemishonga inowanzovharwa nehurongwa hweinishuwarenzi. Kubva ipapo, iyo formulary inowanzo kuve yakakamurwa kuita matatu (zvichibva pazvinhu zvakaita semutengo, kuwanikwa, nezvimwewo), iine imwe mari yekubuda muhomwe yakapihwa kune yega tier. Saka iyo yeku-mubhadharo weiyo tier 4 drug, semuenzaniso, inogona kusiyanisa zvakashata kubva kune iyo-mubhadharo weiyo tier 1 mushonga.

Zvakare kukanganisa kopay yako mutambi weindasitiri vashoma vekuAmerica vangangodaro vakanzwa nezvazvo - zvinodaidzwa kuti Pharmacy Benefits Manager (PBM). Chaizvoizvo munhu wepakati, PBM inoshanda nema Pharmacies, makambani einishuwarenzi, uye vagadziri vezvinodhaka kugadzirisa huturu hwekutengesa. (Chaizvoizvo, PBM inobatsira kambani yeinishuwarenzi kusarudza kuti ndeapi madhiragi ainovhara (kureva., Mafomura ayo) uye kuti vachabhadhara zvakadii mugadziri wavo.)

Nei mimwe mishonga yakachipa isina inishuwarenzi?

Iyo mitengo yemishonga isina inishuwarenzi inogona kunge yakachipa 25% yenguva. Asi zvingadaro sei? Munyika yakakwana, PBM ingangoda kuwana mutengo wakaderera wekambani yeinishuwarenzi, asi kazhinji, anogadzira zvinodhaka anozokanda mubhadharo kuitira kuti PBM isarudze zita rayo-zita chigadzirwa panzvimbo peiyo generic. Izvi zvinodzokororwa, zvinonzi zvidyiwa mumunda wemishonga, zviri kunyanya uko ako akawandisa macopay anopera. Aya ndiwo mashandiro ainoita:

Wakanyorerwa mushonga waingova $ 30 chete gore rapfuura, asi kopi yako yakawedzerwa zvino inoreva kuti i $ 75.
Chemishonga inogamuchira yako $ 75 yekubhadhara uye iwe unogona kufunga kuti vari kuwana purofiti yakanaka nekuti zvaingovadhurira $ 15 kutenga mushonga.
Izvo iwe zvausingazive ndezvekuti $ 50 yako $ 75 inodzokera kuPBM iri muchimiro checlawback.

Panzvimbo pekubhadhara madhora makumi matatu emadhora uye kubvumidza iyo pharmacy kuti itore madhora gumi nemashanu mushure mekubhadhara mushonga, kuunza maPBM mumusanganiswa kunokonzera mitengo yemishonga kuti ikwire zvine hungwaru kuti vagowana mugove wavo, zvakare. Chikamu chakashata pane zvese? Vanachiremba havatenderwe kukuudza nezve ino sisitimu , nekuita kudaro kunogona kukanganisa hukama hwavo nevatakuri veinishuwarenzi nemaPBM.

SingleCare inoshanda pasina inishuwarenzi here?

Kunyangwe iwe uine inishuwarenzi uye wakatarisana necopay hombe kana usina inishuwarenzi uye uri kutya yakakwira kunze-kwehomwe mutengo, iyo SingleCare kadhi inogona kuve mhinduro yekudzikisa iyo yakazara pane yako risiti.

SingleCare haisi iyo fomu yeinishuwarenzi, asi pachinzvimbo kadhi rekutora rakasununguka iro rakasununguka kune vese vatengi vemishonga muUnited States, kusanganisira avo vasina uninshuwarenzi. SingleCare inoshanda isina inishuwarenzi, sezvo mutengo wacho unoshandiswa kune kukosha kwemari yemutemo. (Verenga: Haungakwanise kushandisa kadhi rako reSingleCare uye yako inishuwarenzi pane imwechete tsamba.)

Saka yakawanda sei iwe yaunogona kuponesa pamutengo wemishonga yekunyorera neSingleCare? Zvishoma nezvishoma, chaizvo . Semuenzaniso, mu2019, avhareji mari yemutengo weADHD mushonga amphetamine-dextroamphetamine yaive $ 131.67. Ivhareji mutengo weSingleCare? Ingori $ 47.57. Vashandisi veKadhiCare kadhi vakaona kuchengetedzwa kwakafanana pane cholesterol-ichideredza mushonga atorvastatin calcium. Pasina kadhi avhareji mutengo waive $ 105.68. Nekadhi: $ 29.06.

Pamusoro pekadhi reSingleCare, kune nzira dzinoverengeka dzekugona kudzora mutengo wepiritsi yako.

Kumbira chiremba wako nezve generic vhezheni: Mazita-brand madhiragi angangoita anodhura kupfuura mishonga yechivanhu. Kudzokera kumuenzaniso weLyrica, nepo zita rezita remushonga richidhura $ 460 kusvika $ 720 pamwedzi, iyo generic vhezheni iri pakati pe $ 140 ne $ 370 pamwedzi.
Kumbira chiremba wako mushonga wakasiyana: Mutengo wemari yemumwe mushonga weBP wakaderera zvakanyanya pane wauri parizvino? Kumbira chiremba wako kana iwe uchikwanisa kuchinja.

Tsvagurudza zvirongwa zvevarwere. Vagadziri vezvinodhaka vazhinji nemasangano asingabatsiri vanopa mapurogiramu ekudzikisira vanhu vasingakwanise kutenga zvirevo zvavo, izvo zvinogona kureva yakaderera mutengo kana mishonga yemahara. Zvinokodzera zvinodiwa zvinosiyana, saka iwe uchafanirwa kutarisa nekambani yemishonga kuti uone kana uchikodzera.