Iindlela ezili-10 ezikhuselekileyo zokugcina imali kwiimfuno zakho zeCOPD

Ukuthelekisa ngeentengiso okanye ukusebenzisa iimilo eziqhelekileyo kunokuhlawula iindleko

Ukufunda indlela yokugcina imali kwiidakamizwa zonyango kwiCOPD kunokunceda ukunciphisa umthwalo wemali ochaphazelekayo unyango. Iindleko zamachiza kuphela ngenxa yesifo esingasigxina sinokukwazi ukuthumela kwindlu yokuhlala. Gwema loo nto kwaye ube neebhaksi ezimbalwa ukuze uqalise olu luhlu lweendlela ezili-10 ezilula zokunciphisa iindleko kwiyeza zakho zemithi.

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Khetha Izidakamizwa Zesizukulwana

Ukukhetha uhlobo oluthile lweziyobisi yindlela ekhuselekileyo, eyinkcitho-mali yokugcina imithi yonyango. Enyanisweni, idatha evela kwi-US Food and Drug Administration (i-FDA) ibonisa ukuba iziyobisi zendalo zibiza ixabiso elingaphantsi kwesithathu kwexabiso lezilwanyana zamagama.

Abantu bavame ukudibanisa iindleko eziphantsi kunye nomgangatho ophantsi, nangona kunjalo, kunye nezidakamizwa eziqhelekileyo zihlaselwa phantsi kwesidlangalaleni. Kubalulekile ukuba ukhumbule ukuba iinkampani zonyango eziqhelekileyo kufuneka zihambisane nemigangatho efanayo ye-FDA njengabo bavelisa amayeza egqirha, ngoko ke ukuzithemba komntu kuqinisekiswa.

Ukuze ufumane ulwazi malunga nemfundo yabathengi ehambelana nezidakamizwa eziqhelekileyo ukutyelela:

Ulwazi malunga nezidakamizwa ezivela kwi-FDA

Kaninzi

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Fumana iKhadi lokuBhalisa ngeRhafu

Ikhadi lomyalelo wokunciphisa isalondolozi ingakusindisa imali kwi-brand-brand kunye nemithi yonyango, ngamanye amaxesha angama-80 ekhulwini. Iinkampani ezininzi ezininzi, eziyaziwayo zihlonipha amakhadi okuphuhlisa, kuquka iWalmart, uRite Aid, iCVS kunye neWalgreens. Amanye amakhadi akhululekile; abanye bafuna umrhumo wokumisela. Uya kufuneka uphando ukuze ufumene ukuba yeyiphi ikariti esaphulelo ekulungeleyo kuwe. Ezinye izidakamizwa zithengisa amakhadi athathekayo kumntu onokufumana imali.

Ukufumana ulwazi oluthe xaxa malunga namakhadi omyalelo wokunciphisa , qhagamshelana neeNkcukacha zeDiskithi zeDiskithi yeDrug . Kwakhona, tyelela ezi ndawo ezinika isaphulelo ngamakhadi eziyobisi:

I-RX Card yakho

I-RX Drug Card

I-Drug Card ye-Drug (i-National Assistance Assistance Programme eyayixhaswa yinhlangano engenzi nzuzo ukunceda bonke abantu baseMelika banciphise iindleko zabo zonyango).

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Ngaba kukho ukuthenga ngokuthelekisa

Ukuba ubuyithenga imoto, ngaba uya kuhamba kwinqwelo yokuqala yemoto owayibonayo ukuthenga kwakho? Hayi, mhlawumbi unokwenza uthengiso oluthile lokuthenga ukufumana izinto ezifanelekileyo. Kuyafana kunye neyeza zakho. Ngenxa yokuba kungekhona zonke iifommikhali ezidalwe ngokulinganayo, iindleko zemithi yesigxina ziyahluka. Awufuni ukuchitha ixesha kunye negesi ukuqhuba yonke idolophu ukufumana i-best deal? Zama ukuqhathanisa ukuthengwa kwikhompyutha okanye ngomnxeba. Emva kokuba uhlawule ixabiso elifanelekileyo, yenza uhambo lwakho.

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Buza iDokotela wakho kwiSampuli zamahhala

Ngethuba elidlulileyo, ugqirha wam wachaza unyango olungenalo ifomu, oko kuthetha ukuba i-inshurensi yam ayiyi kuwufihla. Xa ndibiza ikhemisi ukuba ndifunde ixabiso, ndafumanisa ukuba kwakuyi-$ 165 ukulungiselela iintsuku ezingama-30. Emva kokufumana ukutshatyalaliswa kwam, ndambiza ugqirha oye wandivuyisa kakhulu ukubonelela ngeentsuku ezingama-30, mahhala. Khumbula, iinkampani zonyango zifuna ishishini lakho logqirha, ngoko kuyaqheleke ukuba ugqirha wakho ahlaziye iisampuli zamahhala, ingakumbi yamachiza amasha. Nasiphi na isiganeko, akusizi kubuhlungu ukubuza kwaye ugqirha wakho uya kuba ngumntu onqwenela ukunceda.

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Sebenzisa i-Over-the-Counter Alternatives xa kunokwenzeka

Njengamaxesha atshintsho, uluhlu lwee-over-the-counter (OTC) lonyango luyanda. Ukuthenga i-OTC kungagcineli kuphela imali, kodwa ixesha.

Ukuba unikwe ukhetho, soloko ukhetha igama elingekho igama, ugqirha lonyango lwegciwane phezu kwegama lomtshini. Umzekelo, ibhotile encinci ye-Extra Strength Excedrin, inhlanganisela ye-acetaminophen, i-aspirin kunye ne-caffeine, ifumaneka malunga ne-8.99. Ukuba ubuza kuhlola izithako zegama elingekho igama, i-brand brand, uza kufumana ukuba zifana ne-Excedrin, malunga nesiqingatha indleko.

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Xoxa Nogqirha Wakho Ngezinye iindlela ezingabizi

Ukuba akukho khetho yokuthenga uhlobo oluthile lwamachiza akho, cela udokotela wakho ukuba anike enye indlela engabizi. Ukuba ukhuselekile kwaye ufanelekile, ugqirha wakho akufanele aphikisele kumtshintsho.

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Thenga i-Intanethi kwiMithombo ethembekileyo

Izitolo ezidumile ezifana neWalmart, iWalgreens kunye neTgethi amaxesha amaninzi zinikeza izaphulelo kulabo abakhetha ukuthenga amayeza abo kwi-intanethi.

Ngokomzekelo, iWalmart ineprogram yonyango lonyango elinika ukunikezelwa kweentsuku ezingama-30 zamanqaku emithi kunye nemithi engaphezu kwe-1 000 ye-OTC, eqala kwi-$ 4. Ukugcina imali kwi-shipping, ungakhetha umyalelo wakho uphezulu kwesitolo.

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Sebenzisa iiNkqubo zoNcedo lweMonde

Iiprogram zenkxaso zonyango ziqhutywa ngamakhampani eyeza ukubonelela ngemithi yamahhala kubantu abangenakukwazi ukuzithengela.

Funda kabanzi malunga neenkqubo zenkxaso zogulane ezivela kwi-FDA:

I-FDA kunye neNkqubo yoNcedo lweMonde

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Ukuthetha Nogqirha Wakho

Ukuba unenkathazo yokuhlawula amayeza akho, xelela ugqirha wakho. Ukuhlala ucebile kwaye ungayilandelanga isicwangciso socwangco esinqunyiwe ngenxa yokungabikho kwemali kunokufumana iresiphi yenhlekelele. Ugqirha wakho unokukwazi ukunikezela ngezixhobo ezongezelelweyo ukukunceda ukuhlawula amayeza akho, ukugcina umgca ovulekileyo woqhagamshelwano kubalulekile .

Kaninzi

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Fumana Uncedo kuRhulumente

Ukuba unenkathazo yokuhlawula amayeza akho, unakho ukulungelelaniswa neenkqubo zoncedo okanye zorhulumente, ezifana ne-Medicare Part D okanye iMedicaid.

Umthombo:

US Food and Drug Administration. "Ukulondoloza Imali kwiDrams."

Kaninzi