Isifo esingapheliyo sinokukunakalisa ngezezimali
Kubantu abaninzi, ukuhambisa imilitha kuyinkathazo enzima yokuyithatha. Amachiza amatsha ahlala ebiza kwaye angenakucetyiswa yi-inshurensi. Nangona xa iziyobisi zifunyenwe yi-inshurensi, i-copays inokudibanisa ngokukhawuleza, ingakumbi kubantu abanezifo zesibindi (i-IBD), onokuthabatha amayeza amaninzi okanye amayeza anelungelo lobunikazi kwaye akanakho ezinye iindlela ezikhoyo.
Ngethamsanqa, kukho ithemba xa ungeke ukwazi ukufumana iziyobisi zakho. Kuya kuthatha umsebenzi kwinqanaba lakho, kodwa likhetheka kwezinye izinto ezingekho ngaphandle kweyeza.
Ngaba i-Generic Version iyatholakala?
Isinyathelo sokuqala kukunyanzela ukuba ungatshintshela kwinguqulo engabizi ngaphantsi kweyeza . Kusenokwenzeka ukuba wakho okhemisi uya kuphakamisa oku ukuba ugqirha wakho akakwenzi. Nangona kunjalo, ukuba akukho nanye kubo abayithethayo, ungesabi ukubuza! Banezigulane ezininzi ezibhekiselele kubhajethi, kwaye ziya kuqonda.
Ukuba le nyeza imitsha kakhulu ukuba ifumaneke ukuba ufumaneke, unokuqhagamshelana nenkampani eyenza izilwanyana ngqo. Ababhengezi ngokubanzi, kodwa iinkampani ezininzi zinenkqubo zonyango zoncedo ezikhoyo. Oku kungathatha umsebenzi wechungechunge kwinqanaba lakho, njengoko kuya kufuneka ukuba ufumane igama lenkampani elenza izilwanyana, kwaye ufumane inombolo yefowuni malunga neengxakini ezinxulumene nesigulane.
Inkampani enokukunceda ekufumaneni igama nenombolo yenkampani yezobisi i-Needymeds.org. Bagcina isiseko seenkcukacha zeenkampani ezichazwe ngamachiza abavelisayo. Unokukhangela olu luhlu uze ufumane idilesi, inombolo yefowuni, iwebhusayithi, kunye nolunye ulwazi malunga neenkqubo zoncedo lweziyobisi.
Ungabi Nesaba Ukucela Uncedo
Ngokuqhelekileyo iinkqubo zonyango lweziyobisi zisebenza kunye nentsebenziswano yesigulane, ugqirha kunye nenkampani yeziyobisi. Ugqirha wakho unokufuna ukubiza umnkampani wezobisi kwaye ugcwalise enye yefom. Kwakhona, ungesabi ukucela uncedo. Iqela lakho lononophelo lwempilo likhona ukunceda ufumane unonophelo oluyidingayo, kwaye kunokukhetha ukuzalisa ezinye iifom ngaphandle kokuba uhamba ngaphandle kweziyobisi eziyimfuneko ukulawula imeko yakho.
Enye inketho ukufaka isicelo seMedicaid. I-Medicaid ichazwa ngokuba "yinkxaso-mali ehlangene-mali, i-Federal-State yempilo yomshuwarensi kwinkqubo yabantu abanomvuzo ophantsi kunye nabasweleyo." Iimpawu zokufumana ukwamkelwa kwinkqubo yeMedicaid ayixhomekeke kwingeniso yedwa kwaye ihluka ngobuso. Uya kufuna ukuqhagamshelana ne-ejensi kwisebe lakho ukukunceda ukuba ugqibe ukuba ufanelekile kwaye ukuba unyango lwakho luya kugutywa.
Ingaba Igosa Lakho Lube neNkqubo yoNcedo lweMithi?
Amanye amazwe anika iinkqubo zazo zokunceda ukugubungela iindleko zeziyobisi zonyango. Ezi nkqubo zoNcedo zoMachiza zikarhulumente ziyafumaneka kwiindawo ezingama-30. INgqungquthela kaZwelonke yeeNqununu zeeNqila zigcina uluhlu lweenkcukacha zoqhagamshelwano (kubandakanywa newebhu) kule nkqubo yenkxaso.
Buza i-Pharmacist yakho
Kwezinye iimeko, i-pharmist inokukwazi ukukunika ezimbalwa ezenza isigqirha ukuba uncede uze ufumane umyalelo obhaliweyo ugqirha. Oku akuyona into yokuthembela kuyo, kodwa akubanga buhlungu ukubuza ummakhomisi ukuba ngaba yinto enokuyenza ngayo ukuba ungena kwi-pinch. Oku, ngokucacileyo, ayiyi kukwazi ukulawula izinto okanye iindleko ezibiza kakhulu, kodwa kunokuba kunokwenzeka izidakamizwa eziqhelekileyo, eziphantsi kweendleko.
Sampuli zeMithi
Kwaye ukugqibela, kodwa kungabi ncinane, buza ugqirha ukuba unayo nayiphi na isampuli seyeza. Abameli bezobisi baya kutyelela iiofisi zoogqirha rhoqo.
Bahlala beshiya iisampuli zamachiza awo, ngamanye amaxesha kwanokuba izidakamizwa ezitsha okanye zibiza ngexabiso. Ugqirha wakho unokufumana imigaqo-nkqubo ngokuphathelele ukuba ngubani ongafumana ezi ziyobisi kwaye nini.
Kuyacaca ukuba, ukusebenzisa iisampula zeeofisi zogqirha akuzinzileyo ixesha elide, kodwa iisampuli ezimbalwa ziyakwazi ukukubamba ukufikelela kwisisombululo sangempela.