Ita Basa Rako Rokuumba uye Uve Akangwara Nekadhi yako Kadhi Yokupa
Kana iwe wakambotora nguva uchitsvakurudza mari shoma kana kuti mishonga yemishonga yepamutemo pawebhu, wawanawo ruzivo pamusoro pekubvisa makadhi emishonga emishonga.
Nechinangwa chekutanga chekubatsira varwere kuwana mishonga yavo yemishonga zvinodhura zvisingakwanisi, makadhi aya ave rubatsiro rwakanyanya kune vamwe, asi vamwe vakaona kuti pane kuderedzwa kuduku kuve, uye zvimwewo zvakasvibiswa.
Makadhi anopa rubatsiro anokubatsira kubhadharira mishonga yako yemishonga haisi chikamu che inshuwarisi yako. Vanokubatsira iwe pane panzvimbo ye inshuwarisi kana kuwedzera kune inshuwarano yehutano.
Kunzwisisa kuti makadhi aya anoshanda sei, uye kana angakunakira zvechokwadi, zvinokosha.
Mishonga Discount Discards uye Ndiani Anokodzera Kuzvishandisa
Munhu wese anokwanisa kushandisa kadhi rinotapudzwa remakadhi, asi kwete munhu wose anofanira, uyewo munhu wose haagoni kuchengetedza mari achishandisa imwe. Izvo zvakakosha sei kadhi rinoderedza zvinodhaka kune iwe rinoenderana nekadhi, mari yazvo, nemitemo yekuishandisa.
Kufanana nePircription Assistance Plans, mamwe makadhi ane mvumo yekugadzirisa. Iyi mitemo inogona kuva nemiganhu yekuwana mari, miganhu yezera (kazhinji inopfuura 65, kana mhuri ine vana vaduku). Aya marudzi emakadhi anowanzosunungurwa kana mari yavo inoderera zvikuru. Zvinowanzopiwa nehurumende, zvakadai semadhidhi ekurapa mazita ekurapa.
Mamwe makadhi haagoni kushandiswa nemunhu ane utano hwehutano.
Kufanana neavo makadhi ane mvumo yekugadzirisa yezera kana mari, makadhi aya anonangwa kubatsira vanhu vasingakwanisi kutenga mishonga yavo yemishonga.
Mamwe masangano emabato dzimwe nguva anopa makadhi kune nhengo dzavo, zvinoreva kuti unoda kuva nhengo yekuwana imwe. Aya makadhi haazopi pachena mishonga yemishonga, asi ivo vachapa zvikwereti.
Somuenzaniso, AARP uye FamilyWize, iyo chikamu cheUnited Way, mapoka maviri anoita izvi.
Mamwe makadhi anowanikwa kune ani zvake. Vanoda kuti iwe ubhadhara kushandiswa kwekadhi, uye iyo inogona kunge iri gore negore kana pamwedzi inodzokorora mari. Kana zvibvumirano-zvisina kusununguka, zvinodhura, asi zvinogona kuguma nemitengo yakadenga yokutenga yemishonga. Inowanzopiwa nekambani inotaurirana nemapurmisi ega ega kumitengo yakaderera.
Chengetedza makadhi emunharaunda anowanikwa kune ani zvake anosangana nematambudziko ezvitoro. Izvi zvinowanzowanikwa nezvivigirisi zvezvinodhaka uye zvinyorwa zvisingabatsiri zvezvitoro zvemishonga zvakatengwa mumafarisi avo pachavo. Sam's Club ne Kmart ndevamwe vezvitoro zvinopa mhando dzemakadhi.
Mamwe makadhi anopiwa nevanokonzera zvinodhaka kune vanhu vasina kuvharwa nemishonga yemishonga kuburikidza nehutano hwavo hwehutano. Somuenzaniso, Merck nePfizer makadhi ekupa, uye boka remakambani 10 emishonga pamwe chete anopa kadhi inonzi Together Rx Access Card.
Iva Akangwarira uye Ita Basa Rako Rokuumba Pamba Pamutemo Wako Drug Discount Card
Mamwe makadhi ekuderedzwa kwezvinodhaka ndeyekunyadzisa - achida kungotora mari yako, uye kwete zvechokwadi kukupa zvikomborero zvisingawaniki kune imwe nzvimbo.
Ndokusaka zvakakosha kuti iwe uone kadhi imwe neimwe inogona kunyatsogadziriswa kuti uone kuti chii chaunenge uchidzorera, pamishonga yako chaiyo, ichava.
Tsvaga kana Kadhi Inodhaka Drug Discount ichakuponesa Mari
Iwe unogona kusarudza kana kadhi risina kukwana mishonga richakubatsira iwe nekuwana mhinduro dzemibvunzo inotevera:
- Inokubhadhara zvakadini kuti uwane kadhi? Vamwe vakasununguka, asi havasi vose vari. Chii icho chiripo, kana kuti mutengo wekutenga chii? Kana pane mari, inguva imwe chete nguva here? Kana kuti vanodzoka here?
- Iko kadhi inoremekedzwa pa pharmacy yako here? Kana iyo kadhi isingakudzwi pamasimisiro enyu ekusarudza, unoda here kuchinja maparamendi kuti akwanise kushandisa zvisizvo? Kana mishonga yaunoda inowanika chete kuburikidza ne-mail-order pharmacy, unofanirwa kubhadhara zvimwe zvekutumira nekugadzirisa mari here?
- Ko kadhi rinovhara mishonga yaunotora here? Haisi kadhi rimwe nerimwe richabatsira kubhadhara mishonga yose. Kunyanya kufanana nemishonga yaunotora, mukana uri nani iwe unogona kuwana tsvina. Mamwe makadhi akavhara zvinodhaka zvinodhaka uye vamwe hazviiti.
Kana wakaziva kuti mushonga wacho wakafukidzwa, uye kuti iwe unogona kuwana mishonga kuburikidza nemishonga inogamuchirwa kwauri, iwe unoda kutarisa mutengo wemushonga uchishandisa kadhi. Ipapo iwe unoda kubvunza kuti:
- Ndakambofananidza mari yezvinodhaka zvangu kuburikidza ne pharmacy yangu nemamwe ma pharmacy munharaunda yangu, zvakare?
- Ndingawana mutengo wakaderera uchishandisa kadhi iri rekushandisa zvinodarika chero imwe yemutengo wandakawana, kunyange kana ndikafungisisa mari yekuwana kadhi, kana mari yekutumira (kana inoshanda)?
Kana uchinge wapedza kukoshesa pakadhi imwe neimwe iwe unokodzera, iwe uchakwanisa kusarudza yako yako yakanakisisa yekuchengetedza mari.
Ndekupi Kwaunogona Kuwana Pepa Rakanyorwa Drug Discount Card?
Heano mazano mashomanana ekuwana kadhi yekubhadhara kadhi:
- Vanoshayiwa Mamiro anochengetedza tenzi wemazita ekuderedza makadhi emishonga ayo anowanikwa kune vanhu vanowana zvinodiwa mari.
- Hurumende imwe neimwe muUnited States ine mapurogiramu ekubatsira vanhu kuwana mishonga yemishonga inotarisirwa.
- Mawebhusayithi akawanda anobatsira kuwana mahara emakadhi ekutsvaga zvinodhaka, zvichienderana nekukodzera kwako. Wanawana paPatientAssistance.com, TogetherRX, RxAssist, kana Mishonga Discount Card.com.
- Tarisa newaini yako yepasimiti kana yekutsvaga dhipatimendi rekutsvaga kuti uone kana vakapa makadhi asina kukwana. Target, Kmart, Costco, Club yaSam, Walmart nevamwe vakawanda vanopa zvikwereti, zvimwe zvinenge zvakakodzera. Hasi dzose dzekudhura dzinopiwa munzvimbo dzavo dzose dzezvitoro.
- Tarisa nemasangano iwe uri nhengo-iwe unogona kushamisika pane makadhi anogona kuwanikwa uye mari yakawanda sei (kana haugone) kuchengeta. Semuenzaniso, American Association of Retired People (AARP) inopa makadhi sezvinoita American Automobile Association (AAA).
- Inyanzvi yekutsvaga injini yekutsvaga ichakwevera mazita emazhinji emakadhi ayo anowanikwa kune ani zvake anotenga. Ndapota ita basa rako rechikoro kuti uone kuti kana iwe uchibhadhara kushandiswa kadhi, iwe zvechokwadi uchawana rubatsiro kubva pairi. Nzvimbo dzakawanda dzewebhu dzinoti dzichakupa zvikwereti. Asi mushure mekunge mavapa mubhadharo mukuru, munoziva kuti hapana kubatsirwa, kana kuti kwete kukwana kubhadhara mari.
Pasi Pasi
Vakawanda vedu tinogona kuchengetedza mari patinotenga mishonga yedu yemishonga kunyange kana tisina inshuwarisi. Kunzwisisa kuti mabhizimisi emishonga emishonga ehurumende anoshanda sei uye kuti isu tiri vakakodzera tinogona kuderedza mari yedu yemitemo yedu - asi ivai vakachenjera uye zvakakwana mukutsvakurudza kwenyu uye kushandisa kadhi renyu. Iwe unoda kuti ibatsire uye usakuvadza bhokisi rako rehomwe.