Izindlela Eziphephile Zokugcina Imali Emibhalweni Yakho Ye-COPD

Ukuqhathanisa ukuthenga noma ukusebenzisa imithi ejwayelekile kungashintsha izindleko

Ukufunda ukuthi ungagcina kanjani imali emithini yemithi ye- COPD kungasiza ukunciphisa umthwalo wezimali ohambisana nokuphathwa. Izindleko zemithi yodwa ngenxa yesifo esingapheli zingase ziwanele ukukuthumelela endlini empofu. Gwema lokho okuphelelwe yisikhathi futhi ube namabhakede ambalwa okungeziwe ukuze uvule lolu hlu lwezindlela ezingu-10 ezilula zokunciphisa izindleko kwimithi yakho yesiguli.

1 -

Khetha izidakamizwa ezijwayelekile

Ukukhetha uhlobo olujwayelekile lomuthi kuyindlela ephephile, engabizi imali yokulondoloza emithi yokwelashwa. Eqinisweni, idatha evela e-US Food and Drug Administration (FDA) ibonisa ukuthi izidakamizwa ezijwayelekile zibiza okungaphansi kwengxenye yesithathu yentengo yezidakamizwa zamagama.

Abantu bavame ukuhlanganisa izindleko eziphansi ngekhwalithi ephansi, noma kunjalo, ngezidakamizwa ezivamile ngezikhathi ezithile ziwela ngaphansi komphakathi. Kubalulekile ukukhumbula ukuthi izinkampani zedijithali ezidakamizwa kumele zihambisane namazinga afanayo we-FDA njengalabo abenza imithi yegama-brand, ngakho ukuqiniseka komphakathi kungaqinisekiswa.

Ukuze uthole ulwazi mayelana nemfundo yabathengi ehlobene nezidakamizwa ezijwayelekile zivakashele:

Ukwaziswa Ngezidakamizwa Ezijwayelekile kusukela ku-FDA

Okuningi

2 -

Thola iKhadi Lokubhaliswa Ngesaphulelo

Ikhadi lokubhalisa isaphulelo lingakusindisa imali kokubili imithi-brand kanye nemithi ejwayelekile, ngezinye izikhathi ezingamaphesenti angu-80. Izinkampani eziningi ezinkulu, ezaziwayo zihlonipha amakhadi esaphulelo, kuhlanganise neWalmart, Rite Aid, i-CVS ne-Walgreens. Amanye amakhadi akhululekile; abanye badinga imali ekhethiwe. Kuzodingeka ucwaninge ukuthola ukuthi iyiphi ikhadi lesaphulelo elisebenza kangcono kuwe. Ezinye izitolo zezidakamizwa zinikeza amakhadi esaphulelo kubantu abafanelekayo.

Ukuze uthole ulwazi oluthe xaxa mayelana namakhadi wokubhaliswa kweSaphulelo , thintana namakhadi weDiskithi eDayisensi eDiski . Futhi, vakashela lezi zingosi ezinikeza isaphulelo ngamakhadi omuthi:

Ikhadi lakho le-RX

I-RX Drug Card

I-Free Drug Card US (uhlelo olubanzi lonke losizo lwe-Prescription oluxhaswe yinhlangano engenzi inzuzo ukusiza wonke amaMelika ukwehlisa izindleko zemithi yezokwelapha).

3 -

Ukuthenga okunye

Uma ubuyothenga imoto, ingabe uzoya emotweni yemoto yokuqala oyibonayo ukuthenga kwakho? Cha, cishe uzokwenza izinto zokuthenga ukufanisa ukuze uthole inzuzo engcono kakhulu. Okufanayo kuya nemithi yakho. Ngoba akuwona wonke ama-pharmacy adalwe ngokulingana, izindleko zemithi kadokotela zizohluka. Awufuni ukuchitha isikhathi negesi ukushayela yonke idolobha ukuthola indawo engcono kakhulu? Zama ukuqhathanisa ukuthengiswa kwe-inthanethi noma ngocingo. Uma usuhamba ngentengo engcono, yenza uhambo lwakho.

4 -

Buza udokotela wakho amaSampula wamahhala

Esikhathini esithile esidlule, udokotela wami wanikezela imithi eyayingewona i-formulary, okusho ukuthi umshuwalense wami awuyikumboza. Ngenkathi ngibiza ikhemisi ukuthi ngifunde intengo, ngathola ukuthi yayingama-dollar angu-165 ukuhlinzeka ngezinsuku ezingu-30. Ngemuva kokuthi ngithole ukushaqeka, ngabiza udokotela wami owayejabule kakhulu ukuhlinzeka ngemini engu-30, mahhala. Khumbula, izinkampani ezidakamizwa zifuna ibhizinisi ledokotela wakho, ngakho-ke kuvamile ukuba udokotela wakho athole amasampula mahhala, ikakhulukazi imishanguzo emisha. Kunoma ikuphi, akusizi neze ukubuza futhi udokotela wakho cishe uzoba ngaphezu kokuzimisela ukusiza.

5 -

Sebenzisa ezinye izindlela ezingaphezulu uma kwenzeka

Njengoba izikhathi zishintsha, uhlu lwemilayezo ye-over-the-counter (OTC) landa. Ukuthenga i-OTC kungakusindisi imali kuphela, kodwa nesikhathi.

Uma unikezwa ukukhetha, khetha njalo igama-nhlobo, imithi ye-brand brand phezu kwegama lomkhiqizo. Isibonelo, ibhodlela elincane le-Extra Strength Excedrin, inhlanganisela ye-acetaminophen, i-aspirin ne-caffeine, itholakala cishe ngama-$ 8.99. Uma ubuka izithako zegama elingekho igama, umkhiqizo wesitolo, uzothola ukuthi zifana ne-Excedrin, cishe ingxenye yesizindleko.

6 -

Khuluma Nodokotela Wakho Ngezinye izindlela ezingabizi

Uma kungekho okukhethwa kukho ukuthenga uhlobo olujwayelekile lomuthi wakho, cela udokotela wakho ukuba anikeze enye indlela eshibhile. Uma kuphephile futhi kufanelekile, udokotela wakho akufanele aphikisele ekushintsheni.

7 -

Thenga ku-intanethi kusuka emithonjeni enokwethenjelwa

Izitolo ezidumile ezifana neWalmart, i-Walgreens ne-Target izikhathi eziningi zinikeza izaphulelo kulabo abakhetha ukuthenga imithi yabo ku-intanethi.

Isibonelo, i-Walmart inesimiso semithi yesidakamizwa esihlinzeka ngezinsuku ezingu-30 zokunikezwa kwemithi yemithi kadokotela kanye nemithi engaphezu kuka-1 000 OTC, iqala ngo-$ 4. Ukuze ulondoloze imali ekuthumeleni, ungakhetha imithi yakho yesimanje phezulu kwesitolo.

8 -

Sebenzisa Izinhlelo Zokusiza Ezibekezelayo

Izinhlelo zokusiza iziguli zilawulwa izinkampani zokwelapha ukuhlinzeka ngemithi yamahhala kubantu abangakwazi ukuyikhokhela.

Funda kabanzi mayelana nezinhlelo zosizo lweziguli ezivela kwi-FDA:

Izinhlelo ze-FDA kanye nosizo lokubekezela

Okuningi

9 -

Xhumana Nodokotela Wakho

Uma unenkinga yokukhokha imithi yakho, tshela udokotela wakho. Ukuhlala ungathuli futhi ungalandeli uhlelo oluthiwa ukwelashwa ngenxa yokuntuleka kwezimali kungaba iresiphi yenhlekelele. Udokotela wakho angakwazi ukukunikeza izinsiza ezengeziwe ukuze akusize ukukhokhela imithi yakho, ngakho-ke ukugcina umzila ovulekile wokuxhumana kubalulekile .

Okuningi

10 -

Thola Usizo kuHulumeni

Uma unenkinga yokukhokha imishanguzo yakho, ungase ufanelekele izinhlelo zikahulumeni noma zikahulumeni, ezifana ne-Medicare Part D noma i-Medicaid.

Umthombo:

Ukuphathwa kwe-US nokuDrug. "Ukulondoloza Imali Ngezidakamizwa Zokubhalisa."

Okuningi