Ungayonga kanjani imali emithini

Izindleko eziphuma ephaketheni zemithi kadokotela zingangeza ngempela. Izindaba ezimnandi ukuthi kungahle kube nezindlela zokonga ezindlekweni zezidakamizwa. Qala ngokushintshela kokukhethwa kukho okujwayelekile noma ubhalisele uhlelo lwesaphulelo. Nazi ezinye izindlela eziphephile zokonga emithini.

Imithi ejwayelekile ngamakhophi ezidakamizwa zomkhiqizo. Banomuthi ofana ncamashi nomuthi wegama lomkhiqizo. I-generic ivunywa njengephephile futhi esebenzayo yi-Food and Drug Administration (FDA). Igama lomuthi libiza kakhulu ngenxa yocwaningo olwenziwe. Isidakamizwa esijwayelekile singumuthi ofanayo, futhi sibiza imali encane.

Ungase futhi ukwazi ukuthenga okulingana nokwelapha ngezindleko eziphansi. Le ifomula ehlukile yezidakamizwa, kepha iphatha isimo esifanayo. Kungasebenza futhi.

Buza umhlinzeki wakho wezokunakekelwa kwezempilo uma kukhona inketho ejwayelekile noma umuthi ofanayo, ongabizi kakhulu, womuthi owudlayo.

Ungakwazi uku-oda umthamo ophindwe kabili womuthi wakho, bese uhlukanisa amaphilisi ngesigamu. Kuya ngohlobo lomuthi nomthamo owuthathayo. Kwezinye izimo, kungakongela imali.

I-FDA inohlu lwemithi engahlukaniswa ngokuphepha. Uma iphilisi livunyelwe ukwahlukana, kuzoba khona inothi esigabeni "Sokuhlinzekwa Kanjani" kwelebula lomuthi. Kuzoba nomugqa onqamula iphilisi ozokukhombisa ukuthi ungalihlukanisa kuphi. Kufanele uhlukanise iphilisi elilodwa kuphela ngasikhathi sinye bese usebenzisa womabili amahafu ngaphambi kokuhlukanisa elinye iphilisi.

Ungahlukanisi amaphilisi ngaphandle kokukhuluma nomhlinzeki wakho kuqala. Eminye imishanguzo ingaba yingozi uma yehlukaniswa ngaphambi kokusetshenziswa.

Zama ukuthola ikhemisi elihle loku-imeyili ngemithi yakho yesikhathi eside. Uhlelo lwakho lwezempilo lungakunikeza. Unga-oda ukunikezwa kwezinsuku ezingama-90 futhi ungaba ne-copay ephansi.

Futhi, ungasesha online ukuthola amanani entengo amahle we-imeyili. Bese ubheka uhlelo lwakho lwezempilo ukuze uqiniseke ukuthi imishanguzo oyithenga kulolu hlelo izofakwa ngaphambi koku-oda.

Khumbula, akuyona yonke into eku-inthanethi ephephile. Buza ngohlelo lwakho lwezempilo noma umhlinzeki ngaphambi kokuthenga ukuze uqiniseke ukuthi uhlelo luphephile.

Ungahle ufanelekele uhlelo losizo lwezidakamizwa. Kuya ngemali oyitholayo kanye nezidingo zakho zezempilo. Ezinye izinkampani ezenza imithi zinikela ngalezi zinhlelo. Babizwa nangokuthi "izinhlelo zosizo lweziguli." Ungathola ikhadi lesaphulelo, imithi yamahhala noma ephansi. Ungafaka isicelo ngqo enkampanini yezidakamizwa ngomuthi owuthathayo.

Amawebhusayithi afana Abaswele (www.needymeds.org) kanye Ubambiswano Losizo Lomuthi (www.pparx.org) ingakusiza uthole usizo ngemithi oyiphuzayo.

Ezinye izifundazwe nezinhlelo zomshuwalense wezempilo nazo zinikela ngezinhlelo zosizo. Buza ngohlelo lwakho lwezempilo kanye namawebhusayithi kahulumeni wasekhaya.

Uma ungaphezu kweminyaka engama-65, bheka ukutholakala kwezidakamizwa ezengeziwe (i-Medicare Part D). Lokhu kutholakala komshuwalense ongakukhetha kungakusiza ukhokhele imithi yakho.

Thatha yonke imithi yakho njengoba uqondisiwe ukugwema izinkinga ezingaholela ekuguleni nasezindlekweni ezingaphandle kwephaketheni. Tshela umhlinzeki wakho uma uthatha eminye imithi, izithasiselo zamakhambi, noma imishanguzo yokuthenga.

Yakha ubudlelwano obuhle nosokhemisi wakho. Usokhemisi wakho angakubheka, ancoma izindlela zokonga imali, futhi aqiniseke ukuthi yonke imishanguzo oyiphuzayo iphephile.

Phatha isimo sakho. Enye yezindlela ezinhle kakhulu zokonga imali ezindlekweni zokunakekelwa kwezempilo ukuhlala uphilile.

Buza umhlinzeki wakho ekuvakasheni ngakunye ukuze uqiniseke ukuthi udinga ukuqhubeka uphuza imithi. Kungaba nezinye izindlela zokuphatha isimo sakho ezibiza kancane.

Thenga kuphela imithi ekhemisi lase-US elayisensiwe. Musa ukuthenga imithi emazweni angaphandle ukonga imali. Izinga nokuphepha kwale mithi akwaziwa.

Khuluma nomhlinzeki wakho uma:

• Unenkinga yokukhokhela imithi yakho
• Unemibuzo noma ukukhathazeka ngemithi yakho

Iwebhusayithi ye-US Food & Drug Administration. Imikhuba emihle yokuqhekeka kwethebhulethi. www.fda.gov/Drugs/ResourcesForYou/Consumers/BuyingUsingMedicineSafely/EnsuringSafeUseofMedicine/ucm184666.htm. Kubuyekezwe u-Agasti 23, 2013. Kufinyelelwe ngo-Okthoba 28, 2020.

Iwebhusayithi ye-US Food & Drug Administration. Yonga imali ngemithi kadokotela. www.fda.gov/drugs/resource-you/saving-money-prescription-drugs. Kubuyekezwe ngoMeyi 4, 2016. Kufinyelelwe ngo-Okthoba 28, 2020.

• Imithi