Positives uye Negatives yeMirairo Dhirairi Mishonga
Iwe unogona kushandisa mashizha-anoronga mishonga yemishonga kuti uve nemishonga yako yemishonga inowanikwa kumba kwako. Iwe unodarika mutsetse uye kusagadzikana kwekushanyira homisi. Izvo zvose zviri zviviri zvikomborero uye zvipingamupinyi zvekuwana zvinodhaka nekutumira tsamba.
Makomborero epaMiraira Dhiragi
- Unyanzvi: Unogona kuwana mazuva makumi mapfumbamwe emishonga yemishonga yako yakaiswa kumba kwako. Kazhinji, iwe unowana mazuva makumi matatu ekugoverwa kwako kufamba-mune pharmacy.
- Iwe unogona kuchengetedza mari: Urongwa hwako hwehutano hungave nemapayinari maduku kune mishonga inorayirirwa yaunowana kuburikidza ne-mail-order, pane kuti uwane ma pharmacy anowanzogara.
- Iwe unogona nyore kuronga refills: Kana mushonga wako uripo ikozvino, ma pharmacy akawanda anotumira mameseji anokubvumira kuti uronge zvigadzirwa zvepaIndaneti, nekutumira, kana nefoni. Kunyanya, iwe unogona kuzviita chero nguva yezuva kana usiku.
- Special special customer services: Mamwe mapepa e-mail anorayira mabasa anokosha, anosanganisira kukwanisa:
- Nyora kubhuku rekuyeuchidza paIndaneti kuitira kuti uzive kuti inguva ipi yekugadzirisa mishonga yako. Iwe unogona kugamuchira chiyeuchidzo chema email kana kuti inoyeuchidza foni chiyeuchidzo.
- Taura zvakananga nemudzimai wemishonga kuti apindure mishonga yako yemishonga.
- Chengetedza nzvimbo yekutora kwako muIndaneti kana nefoni.
- Ona mhemberero yako yechirango.
- Fambira mubhadhadzi ruzivo ruzivo pamusoro pemishonga yako uye hutano hwako
Kumucheto kweMirayiro Kuronga Zvinodhaka
- Nyaya dzekuchengeteka: Kana ukatenga mishonga kuburikidza nemakero anobva ku-online drugstores asingazivikanwi, uri pangozi yekuwana mishonga isina kunaka kana mishonga inonyengedza.
- Zvinyorwa zvekuendesa tsamba: Kunyange zvazvo yakachengeteka uye inoshanda, mapurisa anotarisirwa neU.S. Postal Service anogona kurasikirwa kana kukuvara. Uyezve, kune ngozi shoma yepakiti yako iri kubiwa kubva kumaruwa emajeri kana kumugwagwa wemakambani emisasa.
- Kutumira tsamba-maira kunogona kunonoka: Paunoshandisa tsamba ye-mail-order, zvinogona kutora nguva yakareba masvondo maviri kuti ugamuchire kutumira mishonga yako. Izvi zvingava zvakanaka kana uchigadzirira mberi. Kana iwe ukamirira kusvikira iwe wava pedyo nemishonga usati warayira kugadziriswa, zvakadaro, iwe uchada kubhadhara kweusiku humwe kana kutengesa kwezuva rimwe, izvo zvingadhura.
- Hapana kusangana-ne-chiso kusangana nemudzimai wako wemishonga: Chimwe chezvinhu zvako zvehutano zvakakosha munharaunda yako ndeyemapamistini wako. Kana iwe ukatora mishonga yakawanda uye usingashandise----zvinodhaka zvinodhaka, mufarisi wako anogona kukukurudzira pamusoro pekubatana uye nemigumisiro.
Mawaniro Ekuwana Dhipatimendi Rekuisa Mapepa
Kana uine urongwa hwehutano hwakagadzirwa nemishonga, unogona kunge une mukana wekuraira mishonga yako kuburikidza nemeyili. Zvizhinji zvirongwa zvehutano zvakakura zvinoshanda nemakambani anozivikanwa semishonga yemapirmiti anobatsira vatungamiri (PBMs), iyo inotungamirira chirongwa chemishonga kune chirongwa chehutano. Aya makambani anogona kutenga mishonga yakawanda zvakananga kubva kumakambani ezvinodhaka uye vanokwanisa kukupa iwe zvidzidzo pamishonga yaunorayira kuburikidza nemeyili. PBM dzakawanda munyika, Medco, Caremark, uye Express Scripts, inopa mishonga-anorayira zvinodhaka kuvanhu vanopfuura mamiriyoni zana.
Maketani makuru emadhora emishonga, akadai saWalgreens naWal-Mart, anopawo mabasa anobvumira kuti uronge mishonga kuburikidza nemakadhi. Iwe une sarudzo yekuvatora pafarisi kana kuti uitumire kumba kwako. Uyezve, hurukuro dzezvitoro zvepaIndaneti dzinogona kupa mazuva makumi mapfumbamwe emishonga yemishonga yakafanana neyetani uye PBMs.
Pane nzira dzakasiyana-siyana dzekuti iwe uwane mishonga-anorayira mishonga yemishonga, zvichienderana neurongwa hwehutano hwako uye mamiriro emari.
Kana Uine Utano Inishuwarenzi
Kana iwe une chirongwa chekushandisa zvinodhaka sechikamu cherongwa hwako hwehutano, chengorora kabhuku kako kabatsiro newebsite yako yehutano yehutano kuti uone kana chirongwa chako cheutano chinoshandisa PBM. Sezvo mishonga yako iri kubhadharwa nehutano uhu inshuwarisi, iwe unofunga chete nezvekubhadhara mari.
Kana uri kuronga zita rechirwere remishonga inorayira, zvinoshandiswa kusarudzwa kuti uchengetedze mari inowanzove yakakwana kwemazuva 90 kubva PBM yako yehutano hwehutano.
Semuenzaniso, yako copay yeDivan (valsartan), mushonga unoshandiswa kurapa kuwedzera kweropa, inogona kuva $ 25 kwemazuva makumi matatu ekugovera pamharasi yako yepasimari uye $ 50 kwemazuva 90 ekugoverwa kubva PBM yako yehutano hwehutano, kuchengetedza $ 25.
Kana iwe uri kutora mishonga yemagetsi , yakadai sa simvastatin (zita reZocor), iro rinoshandiswa kurapa cholesterol yakakura, kunyange zvakadaro, chirongwa chako chehutano chePBM chinogona kukwereta $ 15 kwemazuva 90 ekugoverwa, nepo yako yeWal-Mart yemapurisa kana yepamusoro pharmacy inogona kukwereta $ 10 chete kwemazuva 90.
Kana Iwe Uine Chiremba Chikamu D
Kunyanya Medicare Chikamu cheD D zvirongwa zvinodhaka zvinopa tsamba yekuraira. Izvi zvinoshanda zvakafanana nehutano inshuwarisi yehutano, ine chikwereti chiduku kana iwe uchiraira zuva remazuva 90 remishonga yako kubva PBM chirongwa. Paunosvika pakurongeka kwekuvhara kana gomba rekupa , kunyange zvakadaro, iwe une mhosva yekuzara kwemishonga yako. Iwe unogona kuramba uchitenga kusvitsa kwemazuva 90 kuburikidza neChirongwa cheDe D, asi unogona kuchengetedza mari nekuenzanisa kutenga. Zvaunosarudza zvinosanganisira:
- Kushandisa tsamba yekuraira-maira yekambani huru yemaketheni, zvakadai seWal-Mart uye Walgreens.
- Kushandisa ma-mail-order services zvepaIndaneti zvinokonzerwa neChristian Association of Boards of Pharmacy.
Kana Iwe Usina Utano Inishuwarenzi
Kana iwe usina hutano hwehutano nehuwandu hwezvinodhaka, kune maverengiro ezvinyorwa-maitiro ekuraira kuti akubatsire kuwana kuderedzwa kwemishonga yemishonga.
AARP inopa chirongwa chinoderedza chirongwa chemishonga chemishonga. Inotungamirirwa naOptumRx uye inogona kushandiswa pamasitomita anopfuura 66,000.
Ma pharmacy maviri e-mail-order anotengesa mazuva makumi mapfumbamwe ekupa mishonga inoperevedza yemishonga yemishonga ye $ 20, $ 30, kana $ 40. Makambani aya eIndaneti, RxOutreach uye Xubex, vane mari inowanikwa. Semuenzaniso, imba yevaviri ingangodaro inofanira kuita zvishoma kudarika $ 50,000 pagore (muKondinendi yeUnited States) kuti igone.
Mazano ekushandisa Kirasi yeArada-Order
- Kana uchida mushonga mutsva, ita chiremba wako kuti anyore zvirevo zviviri. Imwe inogona kuva kwevhiki mbiri iwe unogona kuzadza pa pharmacy yako yekune imwe nyika. Imwe yacho yaizove yezuva remazuva 90 kuti inotumirwa ku-mail-order pharmacy.
- Kana uri kubhadhara mari yakazara yemishonga yako, bvunza chiremba wako kana iwe unogona kushandisa generic. Zvadaro tarisa kana mushonga wacho unowanikwa kuburikidza nemapurogiramu asingadhuri paWal-Mart, Target, kana kuti maketani ezvitoro. Izvi zvingangodaro nzira yakadhura, ine zvimwe zvinodhaka zvinodhaka zvishoma ne $ 9.99 kwemazuva 90 ekugoverwa.