Ungayonga Kanjani Imali Ngemibhalo

-Delile

• 1. Buza ngemithi ejwayelekile
• 2. Thola ukuphakelwa okukhudlwana
• 3. Qhathanisa amanani
• 4. Sebenzisa uhlelo lokonga izaphulelo
• 5. Faka isicelo sosizo lwezezimali
• 6. Thola uhlelo lwemithi kadokotela eyiMedicare Part D
• 7. Sebenzisa ikhemisi loku-oda imeyili
• 8. Cela amasampuli kudokotela wakho
• 9. Ungacabangi ukuthi umshwalense wakho wezempilo ushibhile
• Ukuthatha

Noma ngabe unesifo esingelapheki noma unesifo esifushane, odokotela bavame ukuphendukela kuqala ekunikezeleni ngemithi. Lokhu kungaba i-antibiotic, i-anti-inflammatory, i-blood thinner, noma ezinye izinhlobo eziningi zemithi.

Kodwa imithi eminingi iza nenani lentengo eliphakeme. Kangangokuthi cishe oyedwa kwabane baseMelika bakuthola kunzima ukukhokhela imiyalo yabo, ngokusho kocwaningo oluthile.

Ngenxa yalokhu, abantu abaningi kumele benze isinqumo esinzima: Ngabe ngiyagcwalisa incwadi kadokotela, noma ngeqa umuthi ngibe sengcupheni yokugula?

Yize eminye imishanguzo kadokotela ingekho eshibhile, unganciphisa izindleko zakho zokuphuma ephaketheni futhi uthole ukunakekelwa okudingayo - futhi kukufanele.

Nakhu ukubheka izindlela eziyisishiyagalolunye ezisebenzayo zokonga imali ngemithi kadokotela.

1. Buza ngemithi ejwayelekile

Ukuthi udokotela wakho ubhala incwadi kadokotela yomuthi wegama lomkhiqizo akusho ukuthi kufanele ukhokhe imali enkulu ngomuthi.

Imithi eminingi yomkhiqizo inezinhlobo ezejwayelekile ezitholakala ngamanani ashibhile. Lezi zinezithako ezifanayo ezisebenzayo futhi zitholakala ngobuningi obufanayo.

Buza udokotela wakho ukuthi abhale incwadi kadokotela yohlobo olujwayelekile lomuthi esikhundleni salokho. Ungabuza futhi usokhemisi wakho ngezindlela ezejwayelekile zomuthi womkhiqizo.

2. Thola ukuphakelwa okukhudlwana

Kungenzeka ukuthi uzodinga ukuthatha umuthi othize okungenani izinyanga ezi-3. Uma kunjalo, esikhundleni sokuthola incwadi kadokotela yezinsuku ezingama-30, cela udokotela wakho ukuthi abhale incwadi kadokotela yokukunikeza izinsuku ezingama-90.

Imvamisa uzokonga imali ngokuthenga umuthi ngobuningi obukhulu. Futhi, ngeke kudingeke ugcwalise kabusha imishanguzo kaningi, engonga imali kuma-copay.

Amanye amakhemisi anezinsiza ezingama-30 zemithi ethile ejwayelekile ngamadola angama- $ 4 nje kuphela, kanye nezinsuku ezingama-90 zama- $ 10.

3. Qhathanisa amanani

Ungacabangi ukuthi wonke amakhemisi akhokhisa inani elifanayo lemithi. Ngaphambi kokugcwalisa incwadi kadokotela, shayela amakhemisi ahlukene bese uqhathanisa amanani ukonga imali.

Ungabiza abathengisi abakhulu bebhokisi nezitolo zokudla ezifana ne-Target, i-Walmart, ne-Costco, kanye namakhemisi azimele.

4. Sebenzisa uhlelo lokonga izaphulelo

Ngenkathi uqhathanisa amanani, futhi ungasesha ku-inthanethi ukuthola amakhuphoni esaphulelo nokonga okusheshayo usebenzisa insiza efana ne-Optum Perks.

Thayipha igama lencwadi kadokotela, setha indawo okuyo, futhi uzobona amanani akhokhiswa amakhemisi aseduze omuthi. Le nkampani ize inikeze ikhadi lokunikezwa isaphulelo samahhala.

Ungayithola ngombhalo noma nge-imeyili, noma uprinte ikhadi. Lokhu akuwona umshwalense, kepha kunalokho uhlelo lokonga izidakamizwa.

5. Faka isicelo sosizo lwezezimali

Ngokuhambisana nokusebenzisa uhlelo lwesaphulelo sodokotela, ungafaneleka ukuthola usizo lwemithi kadokotela olunikezwa izwe lakho noma uhulumeni wasekhaya.

Izidingo zohlelo ziyahlukahluka, kanti ezinye zibeka imikhawulo yemali engenayo. Ukuze ufunde kabanzi mayelana nezinhlelo, thintana noHlelo Lombuso Lokusiza Ngezemithi noma Ubambiswano Lokusizwa Ngudokotela.

Khumbula futhi ukuthi ezinye izitolo zinikela ngezinhlelo zazo zamahhala zezidakamizwa. Ungahle ufaneleke ukuthola ama-antibiotics wamahhala noma imishanguzo yamahhala yengcindezi ephezulu yegazi nesifo sikashukela. Xhumana nekhemisi langakini ukuthola eminye imininingwane.

6. Thola uhlelo lwemithi kadokotela eyiMedicare Part D

Uma ufanelekela i-Medicare, cabanga ukuthola uhlelo lwezidakamizwa kadokotela ukuze unciphise izindleko zakho zokuphuma ephaketheni zemithi. Inqobo nje uma ubhalise ku-Medicare Part A noma ku-Part B (noma kokubili), ungathenga uhlelo lwemithi kadokotela lwe-Medicare Part D njengenqubomgomo ezimele yodwa.

Ungabhalisela uhlelo lweMedicare Advantage olufaka izinzuzo zeNgxenye D. I-Medicare Advantage yi-Medicare yasekuqaleni enikezwa ngezinkampani zomshuwalense ezizimele. Ungabhalisela uhlelo lwe-Medicare Part D ngesikhathi sokubhaliswa okuvulekile kweMedicare kusuka ngo-Okthoba 15 kuya kuDisemba 7 wonyaka ngamunye.

7. Sebenzisa ikhemisi loku-oda imeyili

Ezinye izinto zishibhile uma uzithenga ku-inthanethi. Lokhu kungasebenza nasemithini yokwelashwa.

Amakhemisi e-mail oda angaphezulu kakhulu uma kuqhathaniswa nekhemisi lendawo. Ngenxa yalokhu, bangakwazi ukuthengisa imithi ngentengo eshibhile.

Xhumana nomhlinzeki wakho womshuwalense wezempilo ukuze ubone ukuthi abanabo yini ubudlelwano noma ukubambisana nekhemisi le-imeyili. Uma kunjalo, cela udokotela wakho ukuthi athumele incwadi yakho kadokotela enkampanini e-mail. Bangabe sebeletha imiyalo yakho emnyango wangaphambili.

8. Cela amasampuli kudokotela wakho

Uma udokotela wakho encoma umuthi obizayo, cela amasampula amahhala. Ungazama lesi sidakamizwa ukuqinisekisa ukuthi awunayo imiphumela emibi ngaphambi kokugcwalisa incwadi kadokotela.

9. Ungacabangi ukuthi umshwalense wakho wezempilo ushibhile

Uma umshwalense wakho wezempilo uhlanganisa ukunikezwa kwemithi kadokotela, ungacabangi ukuthi ukusebenzisa umshwalense wakho kushibhile.

Kwesinye isikhathi, izindleko zokuthenga isidakamizwa esikhwameni esithile zishibhile kune-copay yakho kadokotela. Ngaphambi kokusebenzisa umshwalense wakho ukukhokhela imithi, buza ngezindleko ngaphandle komshwalense.

I-copay yakho yomshuwalense ingaba ngama- $ 10, kepha umuthi ubiza u- $ 5 kuphela ngaphandle komshwalense.

Ukuthatha

Imithi kadokotela ingabiza ngokuya ngohlobo lomuthi nokuthi udinga kangaki ukugcwalisa incwadi kadokotela. Kepha ngenkathi izindleko zezidakamizwa zingaphazamisa isabelomali sakho, lezi zindlela zinganciphisa ukushaya ephaketheni lakho. Lokhu kungakuvumela ukuthi uthole imithi oyidingayo ukuze uzizwe ungcono ngokushesha.