Izinkambiso Zokulondoloza Uma Inkampani Yomshuwalense Yakho Inqaba
Ukwelapha umdlavuza kungaba yinto ebiza kakhulu. Ngisho nomshuwalense, izindleko zokukhokhelwa kwakho kanye ne-deductible ngezinye izikhathi zingase zibe ezinkulu, zibeke ukucindezeleka ngemali yakho kanye nempilo yakho.
Ukusuka ekuvakasheleni udokotela ukuya ekuhlolweni kwelebhu ukuya emithini yemithi kadokotela, izindleko ezingaphandle kwezimpahla zingakwazi ukukhuphuka ngokushesha. Futhi lokho akufaka ngisho nokufaka izindleko zesibhedlela nezokuhlinzwa okudingeka ngezinye izikhathi.
Manje engeza kulokho okungewona ukwelashwa kwezokuthutha, usizo lwekhaya, nokunakekelwa kwezingane, futhi umthethosivivinywa uthola ngisho nakakhulu.
Ngaphambi kokuba udangele, uthemba ukuthi kunezinketho eziningi ezinganciphisa umthwalo wakho wezezimali. Abanye banikeza ukukhokhelwa okuqondile kwezingxenye zokunakekelwa kwakho kanti abanye bakusiza ekunqobeni izinkinga zemishuwalense ngokukhululeka okukhulu.
Uma ubhekana nezinkinga zemali ngenxa yomuthi wokwelashwa, cabanga ngamathiphu amane alula angasiza:
1. Ukukhishwa Kwezimangalo Zomshwalense Wesikhalazo
Njengelungu eliqinisekisiwe, unelungelo lokukhalaza noma yiliphi isevisi noma ukwelashwa inkampani yakho yomshuwalense inqabe. Ngenkathi inqubo yokudlulisa isikhalazo ingaba yidala elide neyomzwelo, kungase kube kuhle nakakhulu.
Le nqubo izobandakanya izincwadi zokubhala futhi zenze izingcingo kwinkampani yomshuwalense ngenkathi ziqoqa ulwazi odokotela nakwezinye zezokwelapha ukuze zithuthukise kangcono ukwelashwa. Njengoba izikhalazo zivunyelwe esimweni sokwethenjelwa ngamacala, ngokuvamile kuvame ukusebenza kangcono nommeli wesiguli ongasiza ekuhambeni inqubo.
Izibhedlela eziningi kanye nemitholampilo yomdlavuza kunezifundiswa kwabasebenzi abangasiza noma okungenani babhekisele kummeli oqeqeshiwe endaweni yakini.
Enye imithombo enhle yi-Patient Advocate Foundation, inhlangano engeyona inzuzo ehlinzeka ngezinsizakalo zokuphathwa kwamacala obuchwepheshe. Bahle ngokunikeza iseluleko kanye namathiphu ekulwa nokuphika umshwalense ngisho noma inqubomgomo yakho ithi ngokucacile ukukhawulelwa kokufaka.
2. Faka isicelo kuzinhlelo zokusiza iziguli (PAPs)
Izinkampani eziningi zokwelapha zinezinhlelo zokusiza ngesineke (PAPs) ezizohlinzeka ngemithi, mahhala-inkokhelo, kubantu abafanelekile. I-criteria yokufaneleka ayisoloko isekelwe kwimali engenayo, ngakho ungacabangi ukuthi awuvumelekile ngoba unomsebenzi. Ama-PAP adalwe kokubili kubantu abangenawo umshuwalense nalabo abanomshwalense abakwazi ukukhokha izidakamizwa zabo.
Ukubhaliswa kwe-PAP ngokuvamile kudinga isicelo esisodwa noma ezimbili ngephepha elengeziwe okufanele ligcwaliswe udokotela wakho. Ihhovisi lakho le-oncologist cishe lizokwazi ama-PAP afanele futhi lingakusiza ngokubhalisa uma kudingeka.
Ngisho noma imali engenayo ingakutholi, izinkampani ezifanayo zivame ukunikeza izinhlelo zokusiza i-copay (i-CAPs) ukukhokhela izindleko zemithi ephuma ngaphandle. Ezimweni eziningi, ukufaneleka kufanele kusekelwe ekutholeni imali engaphansi kwamaphesenti angu-500 we-Federal Poverty Limit (FPL). Lokhu kusho ukuthi umbhangqwana owenza cishe u-$ 80,000 ngonyaka ungase uvumeleke. Ama-caps wonyaka ngokuvamile asebenza, kodwa ukugcinwa kalula kungenezela ezinkulungwaneni zamaRandi.
3. Cela amaGenerics noma ama-Substitutes
Imithi yokwelashwa komdlavuza ayiqali futhi imise nge-chemo. Izidakamizwa eziningi zivame ukwenziwa ngesikhathi sokwelashwa, futhi lezi zinganezela ngokushesha.
Uma imishanguzo enqunyiwe ingekho kumuthi wakho wesikhwama semshwalense yenkampani yomshwalense, bheka ukuthi udokotela wakho angakwazi yini ukumisela ukuthi i-generic eyamukelekayo noma indawo eyamukelekayo. Lezi zivame ukwedlula ukhetho lwama brand futhi zingenza umehluko omkhulu ezindleko zokunakekelwa.
Ukwengeza, khuluma nomhlinzeki wakho uma ngabe unqunyelwe amaphilisi okuhlanganisa. Ebizwa ngokuthi inhlanganisela ye-dose fixed (noma ama-FDCs), lawa maphilisi omuntu ngamunye athengisa kakhulu kunezingxenye zawo ezidakamizwa. Uma ungacabangi ukuthatha amaphilisi amathathu esikhundleni sakho, lokhu kungaba yindlela ephumelelayo yokunciphisa izindleko.
4. Qhathanisa ama-Pharmacy namanani eDakamizwa
Uma ukukhokhela izidakamizwa ezingenayo i-nonchemotherapy ngaphandle kwephaketheni lakho, kuwukuhlakanipha ukuqhathanisa amanani ema-pharmacy ahlukene.
Ngokuvamile kunomthelela omkhulu ezindlini ezivela kudokotela wezidakamizwa kuya kwesinye.
Mane ushayele ikhemisi bese ubatshela ukuthi yisiphi isidakamizwa oyifunayo, kuhlanganise nesilinganiso nesilinganiso, futhi wenze okufanayo namanye ama-pharmacy endaweni yakini. Kuvamile ukuthi amakhasimende acele ukuhlola amanani, ngakho ungazizwa ungakhululekile ukwenza kanjalo.
Ungase futhi ukwazi ukwenza amanani e-intanethi ahlole ngokusebenzisa iwebhusayithi yakho yenkampani yomshuwalense. Abaningi namuhla banikeza amathuluzi okwenza amasheke amanani okusheshayo phakathi kwama-pharmacy ahlukahlukene kanye nezinsizakalo zokuthumela i-imeyili kwinethiwekhi yabo.
Esikhathini sokusesha kwakho, ungase uzithole ulingwa ukusebenzisa ama- pharmacies e-intanethi aziqhenya ngamanani angenakudingiswa ngemithi yegama lomuthi. Uma kuzwakala kuhle kakhulu ukuba yiqiniso, khona-ke ukhumbuze ukuthi kungenzeka.
Ama-pharmacies amaningi e-intanethi asekelwe kumazwe angahambelani nemigomo eqinile ye-FDA. Uma uthenga kubo, awugcini nje engozini yokuthola inguqulo ye "bootleg" yezidakamizwa, ungase wenze ubugebengu ngokungenisa ngokungemthetho imithi e-US
> Umthombo
- > Gao, L .; UJoseph, J .; I-Santoro-Levy, M .; I-Multz, A .; kanye ne-Gotlieb, V. "Ukusetshenziswa kwezinhlelo zokusiza iziguli zokwelashwa kanye nezokwelapha nge-Pharmacy Department of Assistance Program for Patient Cancer Patients." I-Pharmacy yezibhedlela . 2016; 51 (7): 572-576.