Yenza Umsebenzi Wakho Wesikole futhi Uhlakaniphe Ngekhadi Yakho Yokunikezela Ngama-Prescription
Uma ngabe uke wachitha isikhathi ucwaninga izindleko ezincishisiwe noma izidakamizwa zamahhala ezibhalwe kuwebhu kuwebhu, uthola ulwazi mayelana namakhadi wezidakamizwa zokunciphisa isaphulelo.
Ngesisusa sokuqala sokusiza iziguli zithole izidakamizwa zabo zemithi ekhokhelwa kakhulu, lezi makhadi ziye zaba usizo olukhulu kwabanye, kuyilapho abanye beqaphela ukuthi kukhona isaphulelo esincane okufanele sibe nayo, kanti abanye baye bahlaselwa.
Amakhadi wesikweletu okusiza ukukhokha izidakamizwa zakho zemithi ayiyona ingxenye yomshuwalense wakho. Bakusiza noma esikhundleni somshuwalense noma ngaphezu komshuwalense wezempilo.
Ukuqonda ukuthi la makhadi asebenza kanjani, nokuthi ngabe angakusiza yini ngempela, kubalulekile.
Amakhadi Wokuthengiswa Kwezidakamizwa Nabo Abafanelekayo Ukuwasebenzisa
Wonke umuntu angasebenzisa ikhadi lesaphulelo lesidakamizwa, kodwa akuwona wonke umuntu okufanele ayenze, futhi wonke umuntu angakwazi ukulondoloza imali esebenzisa eyodwa. Yeka ukuthi kuwusizo kanjani ikhadi eliyisaphulelo lesidakamizwa kungaba kuwe ngokuya ekhadini, izindleko zalo, nemithetho yokusebenzisa.
Njengamapulani okusizwa nge-Prescription, amanye amakhadi anemikhawulo yokufaneleka. Le migomo ingase ibe nemingcele engenayo, imingcele yobudala (ngokuvamile engaphezu kuka-65, noma imindeni enezingane ezincane). Lezi zinhlobo zamakhadi ngokuvamile zikhululekile noma izimali zabo ziphansi kakhulu. Zivame ukuhlinzekwa nguhulumeni, njengeMederal Medicine discount discount cards.
Amanye amakhadi ayikwazi ukusetshenziselwa noma ubani onomshuwalense wezempilo.
Ngokufanayo nalawo makhadi anemikhawulo yokufaneleka yobudala noma engenayo, la makhadi ahloselwe ukusiza abantu abangakwazi ukukhokhela izidakamizwa zabo zemithi.
Izinhlangano zebulungu ngezinye izikhathi zinikela ngamakhadi kumalungu awo, okusho ukuthi udinga ukuba ilungu ukuthola eyodwa. Lawa makhadi ngeke anikeze izidakamizwa zamahhala zamahhala, kodwa azonikeza izaphulelo.
Isibonelo, i-AARP ne-FamilyWize, engxenyeni ye-United Way, amaqembu amabili enza lokhu.
Amanye amakhadi atholakale kunoma ubani. Bafuna ukuthi ukhokhele ukusetshenziswa kwekhadi, futhi lokhu kungaba yimali yonyaka noma yenyanga ephindaphindiwe. Uma zingenqunyelwe ukuvinjelwa, zibiza kakhulu, kepha zingase zenze amanani aphansi okuthenga izidakamizwa. Zivame ukuhlinzekwa yinkampani exoxisana nama-pharmacy ngamanye ngamanani aphansi.
Ukugcina amakhadi obumbene atholakale kunoma ubani ohlangabezana nesilinganiso sesitolo. Lezi zivame ukuhlinzekwa izitolo zezidakamizwa kanye nomnyango wesaphulelo wezidakamizwa ezithengwa kuma-pharmacy abo. I-Sam Club ne-Kmart ziphakathi kwezitolo ezinikeza lezi zinhlobo zamakhadi.
Amanye amakhadi anikezwa abakhiqizi bezidakamizwa kubantu abangahlanganiswa nezinhlelo zemithi ngomshwalense wabo wezempilo. Isibonelo, amakhadi okunikela nge-Merck ne-Pfizer, neqembu lezinkampani eziyi-10 zokwelapha zinikeza ndawonye ikhadi elibizwa nge-Together Rx Access Card.
Qaphela futhi Yenza Umsebenzi Wakho Wesikole Ngomshini Wakho Wokunikezwa NgokweDrug
Amanye amakhadi okunciphisa izidakamizwa ahlambalaza - ahlose ukuthatha imali yakho kuphela, futhi angakunikeli ngempela izaphulelo ezingatholakali kwenye indawo.
Yingakho kubaluleke kakhulu ukuthi ubuyekeze ngokucophelela ikhadi ngalinye ngalinye ukuze uthole ukuthi iziphi izaphulelo zakho ezithile, ngezidakamizwa zakho ezithile.
Qinisekisa ukuthi ngabe iKhadi lokuKhipha iDrug yeDiskrivishini Lizokusindisa Imali
Unganquma ukuthi ikhadi eliyisaphulelo lesidakamizwa lingakusiza yini ngokuthola izimpendulo zemibuzo elandelayo:
- Kubiza malini ukuthola ikhadi? Abanye bakhululekile, kodwa akubona bonke. Yiziphi izimali, noma iyiphi intengo yokuthenga? Uma kukhona imali, ingabe isikhathi esisodwa kuphela? Noma ingabe ibuye?
- Ingabe ikhadi lihlonishwa ekhemisi yakho? Uma ikhadi lingahlonishwa ekhemisi lakho lokuzikhethela, ingabe uzimisele ukushintsha ama-pharmacy ukuze ukwazi ukusebenzisa isaphulelo sabo? Uma izidakamizwa ozidingayo zitholakala kuphela nge-e-mail-oda ekhemisi, kufanele ukhokhe izindleko ezengeziwe zokuthutha nokuphatha?
- Ingabe ikhadi limboza izidakamizwa ozithathayo? Akuwona wonke amakhadi azosiza ukukhokhela zonke izidakamizwa. Uma ujwayele ukuthi umuthi ozithathayo, ithuba elihle ungathola isaphulelo. Amanye amakhadi ahlanganisa izidakamizwa ezivamile kanti abanye abenzi.
Uma wazi ukuthi umuthi uhlanganisiwe, nokuthi ungathola izidakamizwa ngokusebenzisa ikhemisi elamukelekayo kuwe, uzofuna ukuhlola intengo yomuthi usebenzisa ikhadi. Khona-ke uzofuna ukubuza:
- Ngabe ngaqhathanisa izindleko zemithi yami ngekhemisi yami namanye ama-pharmacy endaweni yami, futhi?
- Ngingathola yini amanani aphansi usebenzisa leli khadi lezidakamizwa kunanoma iyiphi enye intengo engiyitholile, ngisho nalapho ngizibuza izindleko zokuthola ikhadi, noma izindleko zokuthumela (uma kusebenza)?
Uma usuwenzile ukuhlola ekhadini ngalinye ufanelekile, uzokwazi ukukhetha indlela yakho engcono yokulondoloza imali.
Ungayitholaphi Ikhadi Lokunikezela NgamaDrug?
Nazi imibono embalwa ngokuthola ikhadi lesaphulelo lesidakamizwa:
- AmaMidiya anesidingo agcina uhlu oluhle lwamakhadi ezidakamizwa esaphulelo ahloselwe abantu abahlangabezana nezidingo zemali.
- Isimo ngasinye e-United States sinezinhlelo zokusiza abantu bathole izidakamizwa zemithi abayidingayo.
- Amawebhusayithi amaningana anikeza ukufinyelela kumakhadi esaphulelo samadakamizwa wamahhala, ngokusekelwe ekufanelekeleni kwakho. Abathola ku-PatientAssistance.com, TogetherRX, RxAssist, noma i-Discount Discount Card.com.
- Hlola nesitolo se-pharmacy noma isaphulelo esitolo sendawo ukuze ubone ukuthi banikeza amakhadi esaphulelo. I-Target, i-Kmart, i-Costco, i-Club ye-Sam, i-Walmart nabanye abaningi banikeza izaphulelo, ezinye ezinesidingo sokufaneleka. Akuzona zonke izaphulelo ezinikezwa kuzo zonke izitolo zabo.
- Hlola nezinhlangano oyilungu - ungase umangale lapho amakhadi angatholakala khona nokuthi ungakanani imali ongayithola (noma ayikwazi) ukulondoloza. Isibonelo, i-American Association of People's Retired (AARP) inikeza amakhadi njengoba kwenza i-American Automobile Association (AAA).
- Ukusesha injini jikelele yokusesha kuzokhipha amagama wamakhadi amaningi atholakalayo kunoma ubani okumele athenge. Sicela wenze umsebenzi wakho wesikole ukuze uqiniseke ukuthi uma ukhokha ukusetshenziswa kwekhadi, uzothola inzuzo kuyo. Amawebhusayithi amaningi athi azokunikeza izaphulelo. Kodwa emva kokuba ukhokhele imali ekhokhwayo, uzofunda ukuthi ayikho inzuzo, noma ayikho okwanele ukukhokhela imali.
Ngaphansi
Abaningi bethu bangalondoloza imali uma sithenga izidakamizwa zethu zemithi noma ngabe asikho umshwalense. Ukuqonda ukuthi izaphulelo zedakamizwa kadakamizwa zisebenza kanjani nokuthi ngabe sifaneleka yini zinganciphisa izindleko zemigomo yethu - kodwa zihlakaniphe futhi zicwaninge ngokucwaninga kwakho nokusebenzisa ikhadi lakho. Ufuna ukuthi kusize futhi ungalimazi i-pocketbook yakho.