Yenza Umsebenzi Wakho Wesikolo uze Ube Nengqiqo ngeKhadi lakho lokuBhalisa
Ukuba uke wapha ixesha lokuphanda iindleko ezincitshisiwe okanye iziyobisi ezingekho mthethweni kwi-web, ufumene ulwazi malunga nekhadi lomuthi wezilwanyana zonyango.
Ngenjongo yokuqala yokunceda izigulane zifumane izidakamizwa ezingaphezulu ngokufanelekileyo, ezi makhadi ziye zaba luncedo kwabanye, kanti abanye bafumanisa ukuba kukho isaphulelo esincinci, kwaye abanye baye bahlaselwa.
Amakhadi e-Discount anokukunceda ukuhlawula iidakamizwa zakho zemithi ayinxalenye yinshuwalense yakho. Zikunceda nokuba endaweni yomshuwalense okanye ukongeza kwinshuwalense yezempilo.
Ukuqonda indlela aba makhadi abasebenza ngayo, nokuba ingaba luncedo ngokwenene kuwe, kubalulekile.
Amakhadi okuHlaza iDrug kunye nabani abafanelekile ukuwasebenzisa
Wonke umntu angasebenzisa ikratshi yokuphuhlisa iziyobisi, kodwa akusiyo wonke umntu kufuneka, kwaye akukho mntu unokugcina imali usebenzisa enye. Ngaba luncedo kangakanani kwikhadi leziyobisi elincinci lingaba kuwe kuxhomekeke kwikhadi, iindleko zalo kunye nemithetho yokuyisebenzisa.
NjengemiCimbi yoNcedo lweeNkcukacha, amanye amakhadi anemiqathango yokufaneleka. Ezi zithintelo zingaba nemingeniso yengeniso, imingcele yeminyaka (ngokudlula iminyaka engama-65, okanye iintsapho ezinabantwana abancinci). Ezi ntlobo zamakhadi zihlala zikhululekile okanye iintlawulo zabo ziphantsi kakhulu. Zihlala zibonelelwa nguRhulumente, njengeMagare amakhadi okuphuhlisa amaphepha.
Amanye amakhadi ayinakusetyenziswa ngumntu onomshuwalense wezempilo.
Ngokufanayo nala makhadi anemiqathango yokufaneleka yeminyaka okanye ingeniso, la makhadi anenjongo yokunceda abantu abangakwazi ukufumana izidakamizwa zabo zemithi.
Ngezinye iinkhathi imibutho yobulungu inika amakhadi kumalungu awo, oku kuthetha ukuba kufuneka ube ilungu lokufumana enye. Ezi makhadi aziyi kunika izidakamizwa zamayeza zamahhala, kodwa ziya kunika izaphulelo.
Ngokomzekelo, i-AARP kunye neNtsaphoWize, eyingxenye ye-United Way, ngamabini amabini enza oku.
Amanye amakhadi ayatholakala kunoma ubani. Zifuna ukuba uhlawule ukusetyenziswa kwekhadi, kwaye loo nto ingaba yimali yonyaka okanye yenyanga ephindaphindiweyo. Xa zingabinqatshelwe, zibiza kakhulu, kodwa zisenokubangela ukuba amaxabiso athengiweyo aphantsi asebenzise iziyobisi. Zivame ukunikezelwa yinkampani exoxisana namanye ama-pharmacy ngamanani aphantsi.
Ukugcina amakhadi angabambisene nawo atholakala kunoma ubani odibana nenqobo yesitoreji. Ezi zinto zihlala zibonelelwa ngezilwanyana zezilwanyana kunye nokuthengiswa kwezonyango kwizonyango ezithengwa kwii-pharmacy zazo. Iqela le-Sam ne-Kmart ziphakathi kwezivenkile ezinika ezi ntlobo zamakhadi.
Amanye amakhadi anikezelwa ngabavelisi beziyobisi kubantu abangabandakanywa izicwangciso zonyango ngokusebenzisa i-inshurensi yezempilo. Umzekelo, i-Merck ne-Pfizer ngamakhadi anikezela ngamakhadi, kunye neqela leenkampani ezili-10 zonyango kunye kunye nekhadi elibizwa ngokuba yi-Together Rx Access Card.
Yilumke uze wenze umsebenzi wakho waseKhaya kwiKhowudi yakho yeCredit Discount Card
Amanye amakhadi okuphuhlisa izidakamizwa ahlaziyiweyo - enenjongo yokuthatha imali yakho kuphela, kwaye akunakukubonelela ngezaphulelo ezingafumanekanga kwenye indawo.
Yingakho kubaluleke kakhulu ukuba ubuyekeze ngokucophelela kwikhadi ngalinye ukuba ukwazi ukuba iziphi izaphulelo zakho ezithile, malunga neziyobisi zakho.
Qinisekisa ukuba ngaba iKhadi lokuKhupha iDiskithi yeDiskithi liya kuLondoloza iMali
Unokwenza isigqibo sokuba ingaba isicatshulwa sezonyango liza kukunceda ngokufumana iimpendulo kule mibuzo elandelayo:
- Kubiza kangakanani ukuba ufumane ikhadi? Ezinye zikhululekile, kodwa akuzona zonke. Ziziphi iirhafu, okanye yintoni intengo yokuthenga? Ukuba kukho imirhumo, ngaba lixesha elilodwa kuphela? Okanye ngaba babuyela?
- Ingaba ikhadi lihlonishwa kwi-pharmacy yakho? Ukuba ikhadi alizukuhlonishwa kwikhemistri yakho ekhethiweyo, ngaba uzimisele ukutshintsha ii-pharmacy ukuze ukwazi ukusebenzisa isaphulelo? Ukuba izidakamizwa ozifunayo zifumaneka kuphela nge-e-mail order order, ngaba kufuneka ukhokhe iindleko ezongezelelweyo zokuthunyelwa kunye nokuphatha?
- Ngaba ikhadi limboza izidakamizwa ozithathayo? Akukho makhadi aya kunceda ukuhlawula zonke iziyobisi. Okuqhelekileyo isilwanyana osithathayo, ithuba elingcono lokufumana isaphulelo. Amanye amakhadi aqukumbela iziyobisi eziqhelekileyo kunye nabanye azinjalo.
Xa usuyazi ukuba isichengululo sifikelelwe, kwaye ukuba unokufumana iziyobisi ngokusebenzisa ikhemistiki eyamkelekileyo kuwe, uya kufuna ukujonga ixabiso leziyobisi usebenzisa ikhadi. Emva koko uza kufuna ukubuza:
- Ngaba ndiyithelekisa iindleko zam iziyobisi kwi-pharmacy yam kunye namanye ama-pharmacy endaweni yam, na?
- Ngaba ndingayifumana intengo ephantsi usebenzisa eli khadi leziyobisi kunanoma yintoni enye intengo endiyifumeneyo, nangona xa ndiqwalasela indleko yokufumana ikhadi, okanye iindleko zokuthumela (ukuba zikhona)?
Emva kokuba wenze uvavanyo kwikhadi ngalinye ufanelekile, uya kuba nako ukukhetha inketho yakho efanelekileyo yokugcina imali.
Ungayifumana phi iKhadi lokuChengisa iMirhumo?
Nazi iimbono ezimbalwa zokufumana ikhadi lokuncishiswa komrhumo:
- Amadoda ahluphekileyo agcina uluhlu lwezinto zokuphuhlisa izidiza zonyango ezijoliswe kubantu abahlangabezana neemfuno zengeniso.
- Umbuso ngamnye e-United States unemiqathango yokunceda abantu bafumane izidakamizwa zemithi abayidingayo.
- Iiwebhusayithi eziliqela zinikeza ukufikelela kumakhadi okuphuhlisa izidakamizwa zamahhala, ngokusekelwe ekufanelekeni kwakho. Bafumane kwi-PatientAssistance.com, TogetherRX, RxAssist, okanye kwi-Discount Discount Card.com.
- Hlola nge-pharmacy yakho yangasese okanye kwisitoreji seSebe lesaphulelo ukuze ubone ukuba ngaba banikela amakhadi athathekayo. I-Target, i-Kmart, i-Costco, iClubs yeSam, i-Walmart kunye nabanye abaninzi banikeza izaphulelo, ezinye zifuna iimfuno zokufaneleka. Azikho zonke izaphulelo ezinikezwa kuzo zonke izitolo.
- Hlola ngemibutho oyilungu - ungamangaliswa apho amakhadi angafumaneka khona kwaye ungakanani imali enokuyenza (okanye awukwazi) ukuyigcina. Ngokomzekelo, uMbutho wamaMerika wabantu abahlala phantsi (AARP) unikezela amakhadi njengoko i-American Automobile Association (AAA).
- Ukukhangela kwe-injini ngokutsha kuya kutsala amagama amaninzi amakhadi atholakalayo nabani na ukuba bathenge. Nceda yenza umsebenzi wesikolo ukuze uqinisekise ukuba xa uhlawula ukusetyenziswa kwekhadi, uya kufumana inzuzo kuyo. Iiwebhusayithi ezininzi zithi zizakukunika izaphulelo. Kodwa emva kokubahlawula umrhumo ophezulu, uya kufunda ukuba akukho nzuzo, okanye akwanele ukuhlawula umrhumo.
Okukwintsusa
Abaninzi bethu bangakwazi ukugcina imali xa sithenga izidakamizwa zethu zemithi nangona singenayo inshorensi. Ukuqonda indlela izaphulelo zeziyobisi zonyango kunye nokuba ngaba sifanelekile zinganciphisa iindleko zethu kwimigqaliselo yethu - kodwa zihlakaniphe kwaye zicace ngophando lwakho nokusetyenziswa kwekhadi lakho. Unqwenela ukuba uncede kwaye ungalimazi i-pocketbook yakho.