Zvaunoda Kuziva
A drug formulary runyorwa rwemishonga yemishonga, zvose zvinowanzoita uye zita rezita, izvo zvinoshandiswa neurongwa hwehutano hwako. Urongwa hwako hwehutano hunogona kungobhadhara mishonga iyo iri pane iyi "yakasarudzwa". Kuwedzerwa, zvirongwa zvehutano zvichabhadhara chete kwemishonga yakabvumidzwa kutengeswa neU.S. Food and Drug Administration (FDA).
Chinangwa chepurogiramu yako yehutano yehutano ndeyokukuendesa kumishonga inodhura zvikuru inobatsira zvakakwana kurapa hutano hwako.
Iwe uchabhadhara zvakanyanya kana iwe nachiremba wako musarudza mishonga isiri yakafukidzwa pane yeurongwa hwehutano hwako.
Zvirongwa zvehutano zvinowanzokumbira vanachiremba kupa mishonga inowanikwa mu formulary kana zvichibvira. Zvizhinji zvehutano zvirongwa zvekuongorora kana kana kwete chiremba ari kushandisa chirongwa chehutano formry. Kana zvisingaiti, urongwa hwehutano hunogona kutaura nachiremba uye kumukurudzira kushandisa mishonga pane formulary.
A Dr. Mike tip: Kana iwe usinganzwisisi zvirongwa zvepurogiramu yako, iwe unogona kushamisika kana iwe uchibhadhara mari yakazara yekutengesa kwemishonga yako.
Ndiani Anosarudza Zvinodhaka Pamutemo?
Mune zvirongwa zvehutano zvakawanda, iyo formulary inogadzirwa nekambani yemishonga yemapurisa uye yezverapa inoumbwa nevarapi vemasikati uye vanachiremba kubva kune zvakasiyana-siyana zvehutano.
Komiti inoongorora mishonga uye mishonga inoshandiswa uye inosarudza zvinodhaka kuti zvibatanidzwe muurongwa hwehutano hwehutano hunobva mukuchengeteka uye kuti zvinoshanda zvakadini.
Dare racho rinosarudza iyo yakawanda inodhura-zvinodhaka mumishonga imwe neimwe yekurapa. Kirasi yekurapa iboka remishonga inobata chirwere chehutano chaiyo kana chinoshanda mune imwe nzira. Somuenzaniso, mishonga inorwisa mabhakitiriya inoshandiswa pakurapa zvirwere.
Pasi pekugadziriswa kwakaunzwa neAne Affordable Care Act, zvirongwa zveboka rimwe nerimwe uye zviduku zvinofanira kunge zvichisanganisira kamwe chete mishonga kubva kune imwe yeUnited States Pharmacopeia (USP) nekirasi, kana kuti nhamba imwe chete yezvinodhaka mune imwe yega ye USP nekirasi seurongwa hwekufananidzira hwehurumende, chero chikuru.
Kazhinji, the formulary inovandudzwa gore negore, kunyange zvazvo ichifanira kuchinja gore rose. Zvimwe kuchinja zvinoenderana nekuwanika kwemishonga mitsva, uye zvimwe zvinoitika kana FDA ichiona kuti mushonga hauve wakachengeteka.
Chii chinonzi Co-kubhadhara?
Mari yekubhadhara ndiyo mugove wako wezvinodhura zvechiremba, apo yakasarudzwa sepafa-dollar muyero. Somuenzaniso, kana chirongwa chako chinoshandisa mishonga yeTeer 1 ne $ 20 kubhadhara uye mishonga yechipiri 2 nemari ye $ 40, iyo ndiyo mitero yauchabhadhara iwe paunogadza mishonga, uye mari yakasara inobhadharwa neurongwa hwehutano hwako.
Chii chinonzi Coinsurance?
Kana hurongwa hwako hwehutano hunoshandisa mari yekutengeserana (inowanzobatwa nemishonga muTear 4 nepamusoro), zvinoreva kuti iwe uchabhadhara chikamu chemari yezvinodhaka, panzvimbo yepayidi yemari yemari. Saka kana chirwere chechipiri chinodhura $ 1 000 uye chirongwa chako chaine 30 muzana chekusimbiswa kweChipiri 4, izvo zvinoreva kuti iwe uchange uine $ 300 yemari kana iwe uzadza chirairo.
Kune mamwe mamiriro ezvinhu - saMM, somuenzaniso - yose yemishonga inowanikwa inonzi inokosha madhiragi, izvo zvinoreva kuti zvinowanzoitwa muChikamu chechina kana kupfuura, uye mari inowanikwa inowanzoshanda. Mhedzisiro inogona kuva yakakosha-kugoverana kwevanhu vanochengetwa, asi zviyero zvese zvemahomwe zvakagadzirirwa neAACA zvinokonzerwa neurongwa hwehutano pakupedzisira kutora 100 muzana yemari, kana imwe nhengo yasangana nemuganhu wekugoverana kwayo yegore.
Chii Chinonzi Formulary Tier?
Zvinodhaka pamushandisi inowanzowananidzwa mumatare, uye yako yekubhadhara mari kana kubhadhara mari inotarirwa nehutano iyo mushonga wako uripo. Chimwe chimiro chemishonga inoshandiswa chinosanganisira vana kana mashanu. Iyo yakaderera kune imwechete ichava neyokudhura -kugovana-mari , apo madhiragi ari pamusana wepamusoro achava nehurukuro yekugoverana.
Nhamba yekutanga ine chikwereti chekubhadhara zvakaderera uye kazhinji inosanganisira mishonga yemishonga .
Nhamba 2 inobhadharwa kubhadhara mari kupfuura yetiyeri 1 uye inogona kusanganisira zvisizvo zvisingadikanwi uye / kana zvinoshandiswa mazita emishonga.
Nhamba yechitatu ine chikwereti chakanyanya kubhadhara uye inogona kusanganisira kusarudzwa kana kusingadi mazita emishonga emishonga.
Chidzidzo 4 uye 5 Maererano nechirongwa, mari yako inodhura zvikuru inowanzova muChipiri 4 kana 5. Urongwa hwako hwehutano hunogona kuisa mushonga wepamusoro pamusana nokuti hutsva uye husati hwaonekwa hunochengeteka kana hunobudirira. Kana kuti, mishonga inogona kunge iri mumusoro wepamusoro nokuti pane mishonga yakafanana nechepakati chechechi ye formulary iyo inogona kukupa iwe kubhadhara kumwechete kune mari shoma. Zvimwe zvinodhaka zvinodhaka zvinowanikwa mune zvakakwirira zvikuru. Zvinodhaka mumutambo wepamusoro zvinowanzovharwa ne coinsurance panzvimbo pane copay, kuitira kuti mari yako iri kunze kweiyo inogona kunge iri yakakwirira.
Kune zvimwe zvezvinodhaka izvi, urongwa hwako hwehutano hunogona kunge hwakabvunzana nekambani yemishonga yekuwana mutengo wakaderera. Mukudzoka, chirongwa chako chehutano chinoreva mishonga se "chida chinodhaka" uye saka chinoita kuti zviwanike muchechi wepamusoro, zvichiita kuti ugoverenge mari shoma iwe.
Urongwa hwako hwehutano hunogona kukupawo urongwa hwemishonga isiri iyo yakavharwa uye yaunofanira kubhadhara mutengo wose wekutengesa. Izvi zvinogona kusanganisira mishonga yekuedza, pamusoro pemishonga, uye zvinonzi mararamiro emararamiro, akadai seaya anoshandiswa kubata erectile kusagadzikana kana kurasikirwa.
Unofanirwa Kuronga Kune Zvimwe Zvipingamupinyi Here?
Zvizhinji zveurongwa hwehutano hwakagadziriswa zvine nzira yekugadzirisa kana kudzivirira mamwe mishonga. Izvi zvinoitwa kukurudzira chiremba wako kushandisa mamwe mishonga zvakakodzera, uyewo kuchengetedza mari nekudzivirira kushandisa mishonga kudarika. Mimwe mitemo inowanzobatanidza inosanganisira:
Usati Wemvumo : chirongwa icho chiremba wako anofanira kuwana chibvumirano kubva kurongwa hwako hwehutano iwe kuti uwane rubatsiro rwemishonga pane formulary. Kazhinji kazhinji, aya ndiwo mishonga inogona kunge yakachengeteka, ine yakakwirira yekushandiswa kusina kunaka, kana kuti mune dzimwe nzira dzakaderera pamutambo.
Utano Hwakanaka Kusarudzwa: chirongwa icho chirongwa chako chehutano chinotarisa mishonga inorayira majoini vasati vadzidza kuve nechokwadi chokuti uwandu uye kuenzanisa zvinopesana nemazano eDA
Gwara Therapy : chirongwa icho chirongwa chako chehutano chinoda kuti iwe uedze kuedza imwe mishonga kuti utarise hutano hwako usati watanga imwe mishonga yemamiriro iwayo. Kazhinji, mishonga yokutanga haina mari shoma.
Pane Pane Kusiyana Nemitemo Iyi Here?
Urongwa hwako hwehutano hungave hwakazaruka pakuita zvakasiyana nemamiriro ezvinhu mazhinji:
- Iwe unobvunza chirongwa chekuvhara mishonga isiri pa formulary.
- Iwe unobvunza chirongwa chekudzivirira zvikwereti zvekuvhara kana zviyero pamishonga yako.
- Iwe unobvunza chirongwa chekupa mishonga pamwe nekubhadharwa kubhadhara kubhadhara.
Nenzira yakawanda, urongwa hwako hwehutano huchakurukura izvi zvisizvo kana kusava kwekugoverwa kwemishonga yako kungaita kuti ushandise mishonga isingashandisi kana kuti uite kuti uve nechiitiko chinokuvadza chiitiko.
Kana chikumbiro chako chechimwe chikasarudzwa, iwe une kodzero yekupa mhosva chisarudzo ichocho. Zvose zvirongwa zvehutano zvine hurongwa hwekukumbira, izvo zvingasanganisira vanhu vasina rusarura vasingashandisi neurongwa. Uyezve, kana chikumbiro chako chakarambidzwa iwe unogona kusarudza kuti chiremba wako anyore mishonga, asi iwe uchava nemhosva yekuzara kwechirwere.
Dzimwe Zano kubva kuna Dr. Mike
Ziva Wenyu Health Plan ye Formulary
Zvose zvirongwa zvehutano zvakasiyana-siyana, uye zvakakosha kuti iwe unzwisise fomu yako yeurongwa. Pawakanyoresa, iwe unofanirwa kugamuchira kabhuku kanotsanangura ma formulary uye rinonyora mishonga inobvumirwa, pamwe nekutsanangurwa kwemari yekubhadhara pamwe uye / kana kubhadhara mari. Iwe unogonawo kuwana mukana we plan plan yako paIndaneti. Kana usina kugamuchira formulary, taura nhamba yebasa rekumutengesa pane yako kadhi yemishonga kuti ubvunze chimwe.
Taura Nechiremba Wako
Kana uchida chiremba, taura nemupi wako wehutano wehutano pamusoro pekunyora chirwere chinowanzoitwa kana kuti chinonzi chinonzi mishonga yemishonga kana zvichienderana neheath yako.
Sarudza Utano Hwako Zvakanaka
Kana iwe uine sarudzo yehutano huripo uye unoda mishonga kune chirwere chisingaperi, unofanirwa kutarisa pane zvakasiyana-siyana uye sarudza chirongwa chinofukidza mishonga yako.
Yakarongwa naLouise Norris.
> Sources:
> Nzvimbo yeVatengi Ruzivo uye Inishuwarenzi Yokutarisira, Mashoko pamusoro peZvirokwazvo Zvehutano Mazano (EHB) Bhuku Rekushandisa,
> Center for Medicare neMedicaid Services, Final Notice yeZibatsiro uye Zvokubhadharwa Kwemari ye 2016