Ndeupi mutengo? Mutengo wemitemo yako yemishonga vs. chii chimwe chaunogona kutenga

Kambani

Vanhu vazhinji vanotambura kuti vawane mishonga yavo.

Semunhu wemishonga, ichi chinhu chandino sangana nacho zuva nezuva, anodaro Kristi Torres, Pharm.D., Wemishonga-in-charge na Iyo Austin Yekuongorora Kiriniki Chemishonga uye nhengo yeSingleCare Medical Review Board. Pane kazhinji kutaridzika kwekuora mwoyo kumeso kwemurwere kuchiteverwa neshoko rakadai sekuti 'Wati watii?' Kana 'Ini handikwanise kuzviita.'

Mumwe muvanhu vana vari kutora mishonga yekunwa vanoti zvakaoma kwavari kubhadhara iyo mishonga, zvinoenderana nezvakabuda musarudzo kubva ku Kaiser Mhuri Foundation (KFF). Vanhu vanogona kutaura kuti vari kunetsekana kupa mishonga yavo vanhu vari kushandisa madhora zana kana kudarika pamwedzi pazvinyorwa, zvichiteverwa nevanhu vane hutano hwakanaka kana husina kutsarukana.

Brand-zita zvinodhaka zvisina generic dzimwe nzira zvinowanzo mutengo, anodaro Dr. Torres. Izvi zvinowanzo sanganisira insulin uye mamwe majekiseni ekurapa chirwere cheshuga, pakati pevamwe.

Mishonga inodhura kwazvo

Maziso ako anogona kuwanda pamutengo wemimwe yemishonga inodhura kwazvo pamusika izvozvi, zvinoenderana nedhata reSingleCare. Mimwe mishonga mitsva ine ma tag emitengo muzvikamu zvishanu. Kunyangwe mishonga inodhura zvakanyanya kudarika yepamusoro-ye-iyo-mishonga inogona kudhura kana yako inishuwarenzi yehutano isingavhare mutengo-kana kana iwe usina inishuwarenzi.

Tora Humira . Vanhu vazhinji vanovimba nazvo kuvabatsira kubata marwadzo kubva kune akasiyana mamiriro ehutano. Humira mushonga unodzivirira kusagadzikana unowanzo kurongerwa kurapa mamiriro akaita rheumatoid arthritis uye ankylosing spondylitis, pamwe ne ulcerative colitis uye chirwere cheCrohn. Inowira muchikamu chemishonga inozivikanwa sekuti tumor necrosis factor (TNF) inodzivirira nekuti inovhara chiitiko chebundu necrosis factor, chinhu chinogadzirwa mumuviri wako chinogona kukonzera kurwadziwa nekuzvimba.

Uye haisi yakachipa. Imwe mhando yeiyo jekiseni fomu reHumira ichakudzorera kumashure $ 9 829 yekupihwa kwemwedzi. Kwete, iyo haisi typo. Pamutengo mumwe chete, unogona kutenga maviri Ultra-yakakwira-tsananguro terevhizheni izvo zvinogona kutora hafu yemadziro mumba mako yekutandarira. Kana iwe unogona kutenga gumi nemana e ichangoburwa modhi ye iPhone . Dzimwe shanduro jekiseni Humira dzinodhura zvakaringana se $ 8,817 (12 iPhones) uye $ 7,037 (10 iPhones) kwemazuva makumi matatu.

Kana chiremba akaraira Rexulti zvako kana nhengo yemhuri, iwe unenge uchitarisa chikwereti chakakwira kunge $ 2,700 yemazuva makumi matatu ekupa mapiritsi 0.5 mg eiyi inorwisa mweya. Iwe unogona kutsiva yako yekuchembera washer uye dryer yakaiswa necha nyowani, yepamusoro tech peya kune yakangofanana mutengo. Funga nezve nyowani kumberi-kurodha 14-kutenderera LG yekuwacha muchina kwe $ 1,170 uye an LG yemagetsi yemhepo yakaoma kwe $ 1,620.

Prolia inobata osteoporosis mu postmenopausal vakadzi, asi inogona kubatsira kune chero munhu ari panjodzi huru yekutyoka kwemapfupa. Iyo ingangoita $ 1,400 mutengo weti inogona kunge iri chigumbuso kune vamwe vanhu. Izvo ndezve mutengo wakaenzana sezuva nezuva makumi maviri emukaka mahafi kubva kuStarbucks kwegore rese, kana mutengo wemaviri-mazuva mashanu matikiti echikepe muCaribbean.

Viberzi , mushonga unoshandiswa kurapa chirwere chinoshungurudza ura, unogona kuita madhora chiuru nemazana manomwe nemakumi manomwe neshanu pamazuva makumi matatu ekupa mapiritsi 100 mg. Izvo ndezve mutengo wakaenzana seyakaonda, nyowani nyowani Microsoft Surface 3 Laptop kombiyuta. Kana iwe unogona kutenga nhengo nhatu dzemhuri yako yega yega yavo seti ye yepakati-akatemerwa Beats neDre mahedhifoni .

Maitiro ekusevha pane zvirevo

Neraki, iwe une mashoma sarudzo. Taura nachiremba wako kana yako inishuwarenzi yehutano isingavhare mutengo wemishonga yako. Iye kana iye anogona kuve anokwanisa kupa generic kana yakaderera-mutengo imwe nzira.

Ndakave nevarwere vachimira mishonga kana kufona vachikumbira mishonga yakasiyana, anodaro Nikki Chikomo, MD , dermatologist ane SOCAH Center muAtlanta, Georgia. Zvakaoma kana pasina dzimwe nzira. Tinofanira kufunga nezve izvo zvinonzi zvinodhura kuvarwere.

Iwe unogona zvakare kutaura kune wako wemishonga, uyo anogona kuve anokwanisa kutsanangura kuti yako inishuwarenzi yakaderedzwa inokanganisa sei mutengo kana kukubatsira iwe kuwana rubatsiro zvirongwa zvinogona kugadzirisa imwe yemutengo. Chinangwa changu chikuru [semufarisi] kuita kuti varwere vazive kuti ndiri pano kuzovabatsira, Dr. Torres anodaro.

Zvimwe zvezvirongwa izvi zvinogona kubatsira kubhadhara mishonga zvinosanganisira zvirongwa zvekubatsira mishonga zvinopihwa nevagadziri vezvinodhaka, zvirongwa zvinotsigirwa nehurumende zvemishonga, uye zvirongwa zvekubatsira zvakaita seNational Patient Advocate Foundation.

MaPharmacy mazhinji anopa zvirongwa zvekubvisa mari kune vasina kuvimbisirwa, uyezve kune zvakawanda zvingasarudzwa zvemakadhi ekuderedza zvemishonga, anotora muzana kubva pamutengo wemishonga yekutengesa, akawedzera Dr. Torres.

Imwe yesarudzo idzo SingleCare kadhi rekuchengetedza. Unogona kutarisa mutengo wemishonga yako kubva kumba; kana iwe unogona kukumbira wemishonga kutarisa kumusoro musiyano wemutengo Unogona kushandisa kadhi kunyangwe uine inishuwarenzi (kusanganisira Medicare Chikamu D) kana usina kuvimbiswa.Zvisinei, SingleCare haigone kushandiswa pamwe chete neinishuwarenzi yako kana Medicare Chikamu D-iwe unogona chete kushandisa imwe kana imwe. Muzviitiko zvakawanda, tinogona kurova mutengo wemari-kana kunyangwe mutengo wako wekopa.

Gara uine chokwadi chekuenzanisa zvaunogona kuita kuti uwane yakanakisa kuchengetedza-kuti ugone kutenga iyo flatscreen TV kana iPhone nyowani…. pamwe chete nemishonga yako.

* Mitengo inoenderana nedhata kubva muna Zvita 2019. Mitengo yemishonga inosiyana nenzvimbo yemishonga, uye inogona kuchinja.