Chii chinoita kuti mishonga inyore kwazvo?

Kambani Bvunzai Imwe Care

Mishonga yekunyorera mishonga chikamu chakakosha chekuchengetedza hutano; vanobatsira kubata zviratidzo, kurapa zvirwere, uye kuponesa hupenyu. Nekudaro, iyo yakadhura mitengo yemishonga inonyorerwa inogona kutora chunk hombe kubva mubhajeti yemwedzi wevanhu vazhinji muU.S. Zvinogona kutokuvadza avo vanokwanisa kuwana zvirongwa zvakanaka zveinishuwarenzi yehutano- tisingatauri vanhu vanosarudza Medicare. Iwo madhora makumi matatu emakopi anowedzera. Kana iwe ukakoshesa mukusagona-kupotsa kurapwa uko kunongowanikwa chete sezita-zita zvinodhaka, hazvishamise izvozvo vatengi vari kupinda muchikwereti kuti vawane mishonga yavo.

Nhau dzakaipa ndedzekuti hazvitaridzike sekushandisa mari yehutano ichadonha chero nguva munguva pfupi. Mutengo unodarika zviuru mazana matatu nemazana mana emishonga yakawedzera muna 2019 , iine kuwedzera kwepakati pe10.5%. Ivhareji iyoyo inosanganisira makumi mana nemimwe nemitengo yakakwira yakapfura inopfuura zana muzana, kusanganisira Prozac , iyo yakakwira 879% . Nehurombo, izvi zvinoreva kuti vamwe varwere vari kunetseka kubhadhara mari inodiwa-yakawanda kana, mumatambudziko, kuvasvetuka zvachose .

Uye kunyangwe pasina kukwira kwemitengo yegore rose, mimwe mishonga inonyorwa inodhura. Tora, semuenzaniso, iyo Humira peni, iyo inoshandiswa kurapa bevy ye autoimmune mamiriro akadai seArthritis, Crohn's Disease, uye ulcerative colitis. Zvinodhura angangoita madhora zviuru manomwe zvemazuva makumi maviri nemasere, zvichiita mumwe wemishonga inodhura kwazvo inowanikwa muUnited States mu2019 . Nekudaro, chinonyanya kushamisa ndeche Afinitor , mushonga wekenza unodhura unosvika madhora zviuru gumi nezvipfumbamwe pamazuva makumi maviri nemasere kana inishuwarenzi yako ikasavhara. Uye iwo anongova iwo marita-ezita madhiragi asina majeniki anowanikwa. Iyo generic vhezheni ye Copaxone , iyo inoshandiswa kurapa multiple sclerosis, ingangoita madhora mazana matanhatu nemazana matatu ekupa kwemazuva makumi matatu.

Kunyangwe mashandisiro anoita mari yezvinodhaka pahutano hwedu zuva nezuva, vashoma vedu vanoziva chaizvo mashandisiro emishonga yemishonga, chii chinokwidza mitengo yezvinodhaka, uye kuchengetedza mari pamutengo wekurapa. Ngatitarisei kuti nei zvinodhaka zvichidhura zvakanyanya, kuti sarudzo dzako dzinokosha sei, uye kuti SingleCare ingabatsira sei.

Nei mishonga inonyorerwa ichidhura?

1. Kushaikwa kwemutengo mutemo

Padanho rekutanga, vagadziri vezvinodhaka vanoshevedza mapfuti kana zvasvika kune yakawanda sei varwere veAmerica vanobhadharira zvavapihwa. Ipo iyo Kudya neDrug Administration inodzora kuti mishonga mitsva inoedzwa sei, kutengeswa, uye kuburitswa pamusika, haina chero mutengo wekutonga pamusoro pemishonga. Zvinoreva, vatengi vanozviisa pasi pezvishuwo zve izvo zvinonzi nevazhinji Big Pharma.

Muna Chivabvu 2019 , manejimendi eTrump akapedzisa chishuwo chitsva chevagadziri kuti vaise iwo mutengo wemutengo wemishonga muzviziviso zvavo zveTV. Izvi zvinogona kuwedzera kujekesa nekubatsira vatengi kuenzanisa rondedzero yemutengo wezvinodhaka (zvakatemwa nevagadziri) kune yavo copay (yakamisikidzwa neinishuwarenzi). Poshi 2013 kudzidza vakawana kuti mari inobuda muhomwe ne inishuwarenzi yakapfuura mutengo wemari wechirwere pasina inishuwarenzi 23% yenguva.

2. Kuchengetedzwa kwezvinodhaka chete

Kana mushonga mutsva ukarova pamusika, unobva waiswa pasi bvumidzwa uye zvinodhaka chete dziviriro, iine patent inogara makore makumi maviri. Kubviswa kwezvinodhaka kunoreva kuti mamwe makambani emishonga haakwanise kukwikwidza nekugadzira zvinodhaka zvakajairika nemhedzisiro yakafanana.

Mune dzidziso, patenting uye kusagadzikana kwezvinodhaka kukurudzira kumwe kutsvagisa nekusimudzira yemishonga iri nani uye inoshanda yezvirwere zvinopedza simba sekenza uye inogona kutobatsira nhangemutange yazvino kuwana marapiro anoshanda uye mushonga wecoronavirus. Ivo vanochengetedza zvinonzwisisika zvakaoma-zvakawanikwa kubva kubiwa neanokwikwidza. Nekudaro, izvi zvinowanzo siya vanobhadhara vakanamatira nemitengo inoshamisa yemishonga. Rimwe rematambudziko makuru, sekureva kwa Peter B. Bach , chiremba uye director weCentre for Health Policy uye Mhedzisiro kuChirangaridzo Sloan Kettering Cancer Center, ndeyekuti mutemo unomanikidza veinishuwarenzi kuisa mumwe nemumwe mushonga unodhura mumitemo yavo, zvisinei nekushanda kwavo kana mutengo.

3. Kukwira kwemitengo muketani yekupa

Zvichakadaro, makambani einishuwarenzi ari kuisa kumanikidza kune vatengi nemari inowedzera yemwedzi nemwedzi uye zvirongwa zvehutano izvo zvisingawanzo kufukidza zita-zita zvinodhaka . Uyezve pane iyo vatengesi vemishonga vanobatsirwa (PBMs) avo vanogadzirisa kutaurirana kwemitengo nemapurazi, makambani einishuwarenzi, makambani emishonga, uye kunyangwe vashandirwi vako kuti vauye nerondedzero yemishonga yakatenderwa ichafukidzwa pasi pechirongwa chenyu. Iyo twisty-turny yekupa cheni iyo, pakupedzisira, inokanganisa yako yepazasi mutsara.

4. Mari yepamusoro yekutonga

United States ine zvinosiririsa kodzero dzekuzvitutumadza izvo vagari vayo vanobhadhara kakawanda zvakapetwa nezvehutano kupfuura vanhu vari mune dzimwe nyika dzine mari yepamusoro , seSweden, France, UK, neCanada, pakati pevamwe. Iyo Zvinyorwa zveAmerican Medical Association yakashumwa, Kupesana nedzimwe tsananguro dzekushandisa mari zhinji, kushandiswa kwemagariro uye kushandiswa kwehutano muUnited States hazvina kusiyana zvakanyanya kubva kune mamwe marudzi ane mari zhinji. Mitengo yevashandi uye zvinhu, kusanganisira mishonga yezvigadzirwa nemidziyo, uye mari yekutonga yakaratidza kuva iwo makuru madhiraivhu emusiyano mukushandisa.

5. Kukwikwidza kushoma kwemusika

Kusiyana neizvi, kune mashoma makambani einishuwarenzi muEurope neCanada, ayo anovapa mukana pamusoro pekambani yemishonga. Ivo vakasununguka kuramba zvinodhaka zvemutengo wakakwira, saka makambani emishonga anofanirwa kukwikwidza mumusika wemahara. Nekuda kweizvozvo, mitengo yemishonga inonzwisisika zvakakwana, uye kunyangwe zvinotaurwa neindasitiri yemishonga, mitengo yakaderera inoita kunge isingakanganise kutsvagisa nekusimudzira kwezvinodhaka.

Generic mishonga yemishonga inodhaka

Kunyangwe zvese izvi zvakaipa nhau, usaore moyo-iwe une zvakawanda zvingasarudzwa kupfuura zvinoita sekutora zvirevo zvaunoda pamutengo wemutengo izvo zvisingaite iwe (more) kurwara. Unogona kusarudza generic zvinodhaka pavanowanikwa; vanogona kuita mari inosvika 85% shoma paavhareji, uye ivo vanopa zvakafanana mabhenefiti ezita rezita remushonga. Iwe unogona kunge usina chokwadi nekuderera kwakanyanya kwemutengo, asi pane tsananguro yakapusa, uye ine chekuita nemitemo yeDAA (kana kushomeka kwayo).

Mushure mokunge patent uye / kana kusasarudzwa kwemishonga kune chimwe chinodhaka chapera, mamwe makambani emishonga akasununguka kugadzira vhezheni yavo yekurapa, zvinoreva kuti mutengo wemishonga unofanirwa kukwikwidza. Pamusoro pezvo, iyo FDA zvinoita gadzirisa mashandisirwo emishonga yechigadzirwa, akaiswa mumapakeji, uye kuyedzwa, saka kunyangwe hazvo mushonga wako ungaratidzika kunge wakasiyana, unoshanda zvakafanana.

Semuenzaniso, iyo ADHD mishonga Ritalin inogona zvakare kutengwa pasi peiyo generic zita methylphenidate, uye kazhinji pamutengo unodhura. Metformin , iyo inoshandiswa kurapa Type 2 chirwere cheshuga uye polycystic ovary syndrome, inowanikwa pasi pemazita ezita Glucophage , Joke , uye Riomet; unokwanisa kuwana generic glucophage ye $ 30 kusvika $ 40 nekoponi imwe chete, nepo Glumetza iri $ 1 000, zvichienderana nekwaunogara. Uye, hongu, mutengo we jekiseni ndeyemuchadenga. Muna 2019, mugadziri wezvinodhaka Eli Lilly neKambani vakaburitswa Insulin Lispro , yakachipa, generic vhezheni yeHumalog.

Zvinoenderana ne Congressional Budget Hofisi , generic zvinodhaka zvinoponesa vatengi paavhareji $ 8 kusvika $ 10 bhiriyoni pagore. Saka nguva inotevera apo chiremba wako anokunyorera tsamba, ita shuwa yekubvunza kana uri mushonga mutsva, uye kana paine generic vhezheni iripo.

Maturusi ekuchengetedza maturusi: Mari dzinodzoserwa, vanachiremba, uye makadhi emishonga

Kuenda generic kunogona kukubatsira iwe kuchengetedza pamutengo wemishonga. Kune zvekare kune dzimwe dzakasiyana, dzimwe nzira dzekutsvagisa mitengo yakanakisa yemishonga. Zvese zvaunoda iwe zvishoma kuziva-uye kutsungirira, uye iwe unogona zvirinani kugadzira dent mune yakawanda sei yauri kushandisa pane zvirevo.

Chishamiso chikuru ndechekuti kubhadhara mishonga uchishandisa inishuwarenzi yako inogona kunge isiri kukuchengetedza mari zvachose. Yechinyakare $ 10 copay pamushonga wemageneric inonzwika zvine musoro pakutanga, asi iwo iwo madhiragi anogona kungokubhadharisa madhora matatu kana iwe uchibhadhara muhomwe usina inishuwarenzi.

Uye kana uine inishuwarenzi kana kwete, iwe unofanirwa kugara uchiongorora mutengo wemushonga wako kukadhi rekuchengetedza chemishonga, seSingleCare. Iwe unogona kuchengetedza kusvika ku80% pamushonga wako wepiritsi-uye hapana mari yakavanzwa kana inobatwa.

Iwe unogona zvakare kubvunza wako wemishonga nezve zvirongwa zvekubatsira varwere, izvo zvinopihwa nemakambani mazhinji emishonga ekunyora uye kunyange majekiseni, zvichienderana nezvinodiwa zvakasiyana.

Imwe nzira huru yekuchengetedza mari ndeye enzanisa nemitengo yemishonga yeRx kuma pharmacies akasiyana - vamwe vachabhadharisa mashoma pamimwe mishonga, uye vamwe vangangobhadhara mari yekupa yakaderera. Musoro kune singlecare.com uye plug mumushonga wako, wobva wasarudza yako zip kodhi kuti uenzanise mutengo wemishonga pamaketeni emuno uye makuru-mabhokisi ezvitoro.

Vanhu vari muU.S. vanonzwa sekuti havana sarudzo kana zvasvika pakuzadza mishonga yavo, asi SingleCare inopa nzira yakajeka uye inodhura yekutora mishonga yaunoda.