Izidakamizwa Ezijwayelekile Zingakugcina Kuze kufike ku-80% ku-Bill Yakho Yedakamizwa
Izidakamizwa ezijwayelekile zingakusindisa imali eningi ezindlini zokubhalisa. Amaphesenti angaphezulu kuka-50% e-United States agcwele izidakamizwa ezijwayelekile.
Ngingayigcina Kangaki Uma Ngishintshela KuDakamizwa Yesizukulwane?
Izidakamizwa ezijwayelekile zingakusindisa kuze kube ngu-80% ngokubiza kwemithi kadokotela uma kuqhathaniswa nomuthi wegama lomkhiqizo. Ngokuvamile, imali yokugcina imali ivela ku-30% kuya ku-50%.
Ngokusho kweNational Association of Chain Drug Stores, inani lokuthengiswa kwezidakamizwa ejwayelekile ngonyaka ka-2008 laliyi $ 35.22. Intengo ejwayelekile yokuthengiswa kwegama lomuthi wegama lomuthi kwakuyi-$ 137.90.
Amaningi amaningi asetshenziswe ngamagama wegama lomkhiqizo atholakalayo kalula. Ngokwesibonelo:
Intengo ejwayelekile yokuthengiswa kwe-Pramchochol engu-20mg, isisetshenziswa esisebenzisela ukwelapha i-cholesterol ephezulu , ingu-$ 132 ngezinsuku ezingu-30 ezinikezwayo. Inani elifanayo le-pravastatin, i-generic version ye-Pravachol, lingathengwa ku-Wal-Mart, Target, nakwezinye izitolo ezinkulu zezinketho ze $ 4, ukugcinwa kuka $ 1,500 ngonyaka.
Intengo ejwayelekile yokuthengiswa kwe-Glucophage ye-500mg, isisetshenziswa esetshenziswa ukuphatha uhlobo lwesifo sikashukela sohlobo lwe-2, esingu-$ 204 ngezinsuku ezingu-90. Inani elifanayo le-metformin, i-generic version ye-Glucophage, lingathengwa ezitolo zezinketho nge $ 10, ukugcinwa okungaphezu kuka-$ 750 ngonyaka.
NginesiHlelo sezempilo ngeDrug Coverage. Ngingakwazi Yini Ukuyigcina Kwezidakamizwa Zesizukulwane?
Yebo.
Iningi lempilo yezempilo ngokukhokhela izidakamizwa ezikhokhelwa imithi esekelwe kwifomula ye-drug . I-formulary ye-drug is uhlu lwemithi ekhethiwe yesidakamizwa, kokubili igama lomkhiqizo kanye negama. Ngaso sonke isikhathi uma unesidakamizwa ogcwalisiwe unesibopho se-copay, okuyisabelo sakho sezindleko zemithi kadokotela.
Izidakamizwa ohlelweni lwezempilo lwe-formulary zivame ukuhlanganiswa zibe yi-third party , kanti i-copay yakho inqunywe yi-tier yemithi yakho.
Imithi ejwayelekile yezidakamizwa ihlanganisa amathayi amathathu. I-tier yokuqala ine-copay ephansi kakhulu, futhi ngokuvamile ihlanganisa imithi ejwayelekile. Imithi e-third 2 ne-third 3 izidakamizwa ngegama lomkhiqizo onama-copay aphezulu.
Isibonelo: Kuhlelo olukhulu lwezempilo eNyakatho Ntshonalanga, uZoloft, imithi esetshenziselwa ukuphatha ukucindezeleka, isesigabeni sesi-3 futhi ine-copay ye $ 55 yokuhlinzekwa kwezinsuku ezingu-30. Uhlobo olujwayelekile lwe-Zoloft, i-sertraline, lusezingeni elingu-1 futhi li-$ 10 lokunikezwa kwezinsuku ezingu-30, imali yokugcina imali engu-$ 540 yonyaka.
Kungani Izidakamizwa Zesizukulwane Ezingaphansi Kwezindleko Ezidliwayo Kunayo Izidakamizwa?
Njengoba izinkampani ezidakamizwa ezidakamizwa akudingeki ukuba zihlakulele imithi kusukela ekuqaleni, kubiza kakhulu ukuletha umuthi emakethe. Uma imithi yokwelashwa ivuliwe, izinkampani eziningana zingakhipha futhi zithengise lesi sidakamizwa. Lo mncintiswano usiza amanani aphansi. Ngaphezu kwalokho, izidakamizwa eziningi ezijwayelekile zisekelwe kahle, imithi esetshenziswa njalo engadingi ukukhangisa okubizayo.
Ngingayithola I-Generic Version Yanoma Imiphi Imithi?
Cha. I-US Food and Drug Administration (FDA) inikeza ukuvikelwa kwe-patent ezinkampanini zokwelapha ezikhokhela ukucwaninga, ukuthuthukiswa, kanye nezindleko zokuthengisa zesidakamizwa esisha. Uma i-patent iphela, ezinye izinkampani ezenza imithi, uma sezivunyelwe yi-FDA, zingaqala ukukhiqiza nokuthengisa inguqulo yesizukulwane yomuthi.
Ngokusho kwe-FDA, izidakamizwa ezingaphezu kuka-70% ezibhalwe kwi-Orange Book (FDA's Orange Book) (uhlu lwazo zonke imikhiqizo ezivunyiwe yi-FDA) zinomlingani ojwayelekile. Ama-Generics atholakala kalula ukuze aphathe izimo eziningi zempilo ezivamile, futhi ngaphezulu kuka-50% yazo yonke imingcele e-US igcwele izidakamizwa ezijwayelekile.
Ngingayishintsha Ukwelapha Kwami Ukufaka Imithi Ejwayelekile?
Yebo. Kuye ngesimo sakho sezempilo kanye nezidakamizwa ezitholakalayo zokwelapha leso sifo, udokotela wakho angakwazi ukukushintshela kumuthi ofanayo onomshini ojwayelekile. Ezinye zezimo zempilo ezivame kakhulu, kuhlanganise ne-cholesterol ephezulu, ukucindezeleka, ukugula kanye nesifo sikashukela, kunemithi yokwelapha etholakalayo.
Isibonelo: i- Lipitor , imithi esetshenziselwa ukwelapha i-cholesterol ephakeme, isesekuvikelwe kwe-patent futhi ayinayo inguqulo yesizukulwane. Inenani lokuthenga elilinganiselwa cishe ngama-$ 142 ngezinsuku ezingu-30 zokunikezwa. Uma kuphephile futhi kufanelekile, udokotela wakho angakushintsha ku-pravastatin, inguqulo yobudala yasePravachol, ebiza u-$ 4 ngezinsuku ezingama-30 ku-Wal-Mart, Target ne-Costco, imali engaphezu kuka-$ 1,600 ngonyaka.
Ingabe Izidakamizwa Zikadala Ziphephile?
Yebo. Izidakamizwa ezijwayelekile kumele zisebenzise izithako ezisebenzayo njengegama lomkhiqizo wezidakamizwa. Isidakamizwa esijwayelekile kumele sihlangabezane nezindinganiso ezifanayo nezokuphepha. I-FDA idinga ukuba izidakamizwa ezijwayelekile zifane nomuthi wegama lomkhiqizo emalini, ukuphepha, amandla, indlela okusebenza ngayo, indlela ezithathwa ngayo, kanye nemibandela yezempilo okuphatha ngayo.
Kodwa-ke, abanye odokotela nabathengi banenkinga yokusebenzisa izidakamizwa ezivamile. Kube khona imibiko ku-FDA mayelana nemiphumela emibi kanye nokuntuleka kokusebenza kwemithi ethile ejwayelekile, kuhlanganise nezinye izidakamizwa ezisetshenziselwa ukwelapha i-thyroid ephansi, isithuthwane nokucindezeleka.
Ngaphambi kokushintshela kwisidakamizwa esijwayelekile, khuluma nomhlinzeki wakho wezokunakekelwa kwezempilo futhi uqinisekise ukuthi kokubili ukhululekile ngoshintsho.