Momwe Mungasungire Ndalama Pamalipiro

Zamkati

• 1. Funsani za mankhwala achibadwa
• 2. Pezani chakudya chokulirapo
• 3. Yerekezerani mitengo
• 4. Gwiritsani ntchito pulogalamu yochotsera kuchotsera
• 5. Pemphani thandizo la ndalama
• 6. Pezani dongosolo la mankhwala la Medicare Part D
• 7. Gwiritsani ntchito makalata ogulitsa mankhwala
• 8. Funsani zitsanzo kuchokera kwa dokotala wanu
• 9. Musaganize kuti inshuwalansi yanu ndi yotsika mtengo
• Kutenga

Kaya muli ndi matenda osachiritsika kapena mukudwala kwakanthawi kochepa, madokotala nthawi zambiri amayamba kukupatsani mankhwala. Awa atha kukhala maantibayotiki, odana ndi kutupa, magazi ochepetsa magazi, kapena mitundu ina yambiri yamankhwala.

Koma mankhwala ambiri amabwera ndi mtengo wokwera mtengo. Moti kafukufuku wina anapeza kuti pafupifupi munthu mmodzi pa anthu anayi alionse a ku America amavutika kupeza mankhwala ake.

Zotsatira zake, anthu ambiri ayenera kupanga chisankho chovuta: Kodi ndimalemba mankhwala, kapena ndimadumpha mankhwala ndikumadzidwalitsa?

Ngakhale mankhwala ena akuchipatala ali otsika mtengo, mutha kutsitsa ndalama zomwe mumatenga ndi kupeza chisamaliro chomwe mukufuna - ndikuyenera.

Nayi njira zisanu ndi zinayi zothandiza zopezera ndalama pamankhwala azamankhwala.

1. Funsani za mankhwala achibadwa

Chifukwa chakuti dokotala wanu amalemba mankhwala a dzina lachidziwitso sizitanthauza kuti muyenera kulipira ndalama zambiri pamankhwala.

Mankhwala ambiri amakhalanso ndi mitundu ina pamtengo wotsika. Izi zimakhala ndizofanana zomwe zimagwiritsidwa ntchito ndipo zimapezeka chimodzimodzi.

Funsani dokotala wanu kuti alembe mankhwala a mtundu wake wa mankhwala m'malo mwake. Muthanso kufunsa wamankhwala wanu za njira zina zopangira mankhwala.

2. Pezani chakudya chokulirapo

Ndizotheka kuti muyenera kumwa mankhwala osachepera miyezi itatu. Ngati ndi choncho, m'malo mongopeza mankhwala oti muzikupatsirani masiku 30, pemphani dokotala kuti alembe mankhwala amakupatsirani masiku 90.

Nthawi zambiri mumasunga ndalama pogula mankhwalawa mochulukirapo. Kuphatikiza apo, simuyenera kudzaza mankhwala mobwerezabwereza, omwe amatha kusunga ndalama pamapopayi.

Ma pharmacies ena amakhala ndi masiku 30 pamankhwala ena opangidwa ndi generic kwa $ 4 okha, komanso masiku 90 $ 10.

3. Yerekezerani mitengo

Musaganize kuti ma pharmacies onse amalipiritsa ndalama zofananira ngati mankhwala. Musanadzaze mankhwala, itanani ma pharmacies osiyanasiyana ndikuyerekeza mitengo kuti musunge ndalama.

Mutha kuyitanitsa ogulitsa mabokosi akuluakulu ndi malo ogulitsira zinthu monga Target, Walmart, ndi Costco, komanso ma pharmacies odziyimira pawokha.

4. Gwiritsani ntchito pulogalamu yochotsera kuchotsera

Mukamayerekezera mitengo, mutha kusakanso pa intaneti kuti mupeze makuponi ochepetsa ndalama komanso kusungitsa nthawi yomweyo pogwiritsa ntchito ntchito ngati Optum Perks.

Lembani dzina la mankhwala, ikani malo anu, ndipo muwona mitengo yomwe ma pharmacies apafupi amalipiritsa mankhwala. Kampaniyo imaperekanso makhadi aulere ochotsera kwaulere.

Mutha kuilandira kudzera pa imelo kapena imelo, kapena kusindikiza khadiyo. Iyi si inshuwaransi, koma pulogalamu yosungira mankhwala osokoneza bongo.

5. Pemphani thandizo la ndalama

Kuphatikiza pa kugwiritsa ntchito pulogalamu yochotsera mankhwala, mutha kukhala oyenera kulandira chithandizo chamankhwala chomwe boma lanu kapena boma lanu lipereka.

Zofunikira pa pulogalamu zimasiyanasiyana, ndipo zina zimakhazikitsa malire pazopeza ndalama. Kuti mudziwe zambiri zamapulogalamuwa, lemberani State State Pharmaceutical Assistance Program kapena Partnerhip for Assistance Assistance.

Kumbukiraninso kuti m'masitolo ena amapereka mapulogalamu awo aulere. Mutha kukhala woyenera kulandira maantibayotiki aulere kapena mankhwala aulere a kuthamanga kwa magazi ndi matenda ashuga. Lumikizanani ndi pharmacy yakwanuko kuti mumve zambiri.

6. Pezani dongosolo la mankhwala la Medicare Part D

Ngati mukuyenera kulandira Medicare, lingalirani kupeza dongosolo lamankhwala akuchipatala kuti muchepetse ndalama zomwe mumalandira m'thumba la mankhwala. Malingana ngati mwalembetsa ku Medicare Part A kapena Part B (kapena onse awiri), mutha kugula dongosolo la mankhwala a Medicare Part D ngati mfundo yodziyimira payokha.

Mutha kulembetsanso dongosolo la Medicare Advantage lomwe limaphatikizapo maubwino a Part D. Medicare Advantage ndi Medicare yoyambirira yoperekedwa kudzera m'makampani a inshuwaransi apadera. Mutha kulembetsa dongosolo la Medicare Part D panthawi yolembetsa ku Medicare kuyambira pa Okutobala 15 mpaka Disembala 7 chaka chilichonse.

7. Gwiritsani ntchito makalata ogulitsa mankhwala

Zinthu zina zimakhala zotsika mtengo mukamagula pa intaneti. Izi zitha kugwiranso ntchito ndi mankhwala.

Ma pharmacies oyitanitsa makalata amakhala ndi mutu wocheperako poyerekeza ndi mankhwala apamalo. Chifukwa cha izi, amatha kugulitsa mankhwala pamtengo wotsika.

Lumikizanani ndi omwe amakupatsani inshuwaransi yazaumoyo kuti muwone ngati ali ndi ubale uliwonse kapena mgwirizano ndi mankhwala omwe ali ndi makalata. Ngati ndi choncho, funsani dokotala wanu kuti atumize mankhwala anu ku kampani yotumiza makalata. Amatha kukapereka mankhwala anu pakhomo lanu lakumaso.

8. Funsani zitsanzo kuchokera kwa dokotala wanu

Ngati dokotala akukulimbikitsani mankhwala okwera mtengo, funsani zitsanzo zaulere. Mutha kuyesa mankhwalawa kuti muwonetsetse kuti mulibe zovuta zilizonse musanadzaze mankhwala.

9. Musaganize kuti inshuwalansi yanu ndi yotsika mtengo

Ngati inshuwaransi yaumoyo wanu ikuphatikizira mankhwala omwe mumalandira, musaganize kuti kugwiritsa ntchito inshuwaransi yotsika mtengo.

Nthawi zina, mtengo wogula mankhwala ena mthumba ndi wotsika mtengo kuposa mankhwala omwe mumalemba. Musanagwiritse ntchito inshuwaransi kulipira mankhwala, funsani za mtengo wopanda inshuwaransi.

Ndalama zanu za inshuwaransi zitha kukhala $ 10, komabe mankhwalawa amangotenga $ 5 popanda inshuwaransi.

Kutenga

Mankhwala akuchipatala atha kukhala okwera mtengo kutengera mtundu wa mankhwalawo komanso kuti mudzafunika kangati kudzaza mankhwala. Koma ngakhale ndalama za mankhwala osokoneza bongo zitha kusokoneza bajeti yanu, njira izi zitha kuchepetsa vuto lanu mthumba. Izi zitha kukulolani kuti mupeze mankhwala omwe mukufunikira kuti musangalale posachedwa.