Maitiro Ekuchengetedza Mari pane Zvinyorwa

Zvemukati

• 1. Bvunza nezve generic mishonga
• 2. Tora kuwana kwakakura
• 3. Enzanisa mitengo
• 4. Shandisa purogiramu yekuchengetedza mari
• 5. Nyorera rubatsiro rwemari
• 6. Tora Medicare Chikamu D chirongwa chemushonga
• 7. Shandisa tsamba yekuraira chemishonga
• 8. Kumbira masampuli kubva kuna chiremba wako
• 9. Usafunge kuti inishuwarenzi yako yehutano yakachipa
• Kutora

Kunyangwe iwe uine chirwere chisingaperi kana chirwere chenguva pfupi, vanachiremba vanowanzo tenderera kutanga kunyorera mishonga. Iyi inogona kuve inorwisa mabhakitiriya, inorwisa-kuzvimba, inonda yeropa, kana chero mamwe mamirioni emamwe marudzi emishonga.

Asi mishonga yakawanda inouya nemutengo unorema. Zvakawanda zvekuti anenge munhu mumwe muvana vemuAmerica anoona zvichinetsa kutenga mishonga yavo, sekumwe kuongorora.

Nekuda kweizvozvo, vanhu vazhinji vanofanirwa kuita sarudzo yakaoma: Ini ndinozadza tsamba, kana ini ndinodarika mushonga uye ndinotyira kurwara?

Kunyangwe imwe mishonga yemishonga isinganetsi, unogona kudzikisa mari yako yekubuda muhomwe uye uwane rubatsiro rwaunoda - uye unokodzera.

Heano maitiro mapfumbamwe anoshanda ekuchengetedza mari pamishonga yekunyorera.

1. Bvunza nezve generic mishonga

Kungoita kuti chiremba wako anyore mushonga wechiratidzo-zita chinodhaka hazvireve kuti iwe unofanirwa kubhadhara mari hombe yemushonga.

Mishonga yakawanda yemhando inewo mageneral generic anowanikwa nemitengo yakaderera. Izvi zvine zvinhu zvakafanana zvinoshanda uye zvinowanikwa muhuwandu hwakaenzana.

Kumbira chiremba wako kuti anyore mushonga weiyo generic vhezheni yemushonga panzvimbo. Iwe unogona zvakare kubvunza wako wemishonga nezve generic dzimwe nzira kumushonga mushonga.

2. Tora kuwana kwakakura

Zvinogoneka iwe unenge uchida kutora chaiyo mishonga kweinenge 3 mwedzi. Kana zvirizvo, pachinzvimbo chekutora mushonga wekupihwa kwemazuva makumi matatu, kumbira chiremba wako kuti anyore tsamba yekutora kwemazuva makumi mapfumbamwe.

Iwe unowanzo chengetedza mari nekutenga mishonga mune yakawanda yakawanda. Uyezve, haufanire kuzadza zvakare kunyorerwa kazhinji, izvo zvinogona kuchengetedza mari pama copays.

Mamwe mafarimasi ane mazuva makumi matatu anopihwa emamwe mageneric madhora emadhora mana chete, uye nemazuva makumi mapfumbamwe emadhora emadhora gumi.

3. Enzanisa mitengo

Usafunge kuti ma pharmacy ese anobhadharisa zvakaenzana zvemushonga. Usati wazadza tsamba yekunyorera, fonera ma pharmacy akasiyana uye enzanisa mitengo kuchengetedza mari.

Iwe unogona kudaidza makuru mabhokisi vatengesi uye zvitoro zvekutengesa seTarget, Walmart, uye Costco, pamwe neazvimiririra mafarmasi.

4. Shandisa purogiramu yekuchengetedza mari

Paunenge uchienzanisa mitengo, iwe unogona zvakare kutsvaga pamhepo kutsvaga macuponi uye kuchengetedza ipapo ipapo uchishandisa sevhisi seOptum Perks.

Nyora muzita rekunyora, seta nzvimbo yako, uye iwe uchaona mitengo iyo ma pharmacies ari pedyo anobhadharisa mishonga. Iyo kambani inotopa yemahara dhiseti repiritsi kadhi.

Unogona kuigamuchira kuburikidza nemeseji kana email, kana kupurinda kadhi. Iyi haisi inishuwarenzi, asi pachinzvimbo chirongwa chekuchengetedza zvinodhaka.

5. Nyorera rubatsiro rwemari

Pamwe chete nekushandisa chirongwa chekubvisa mushonga, unogona kukodzera rubatsiro rwemushonga rwunopihwa nenyika yako kana hurumende yemuno.

Zvirongwa zvechirongwa zvinosiyana, uye zvimwe zvinomisikidza kutemerwa mari. Kuti udzidze zvakawanda pamusoro pezvirongwa, taura neHurumende Pharmaceutical Rubatsiro Chirongwa kana Kubatana kwePrescription Rubatsiro.

Ramba uchifunga, zvakare, kuti zvimwe zvitoro zvinopa avo emahara mapiritsi ekurapa emishonga. Iwe unogona kuve unokodzera kupihwa mahara maantibhakitiriya kana emahara mishonga yeropa rakakwira uye chirwere cheshuga. Bata mishonga yemunharaunda yako kuti uwane rumwe ruzivo.

6. Tora Medicare Chikamu D chirongwa chemushonga

Kana iwe uchikodzera kuMedare, funga nezve kuwana mushonga wepiritsi yekuderedza yako yekubuda muhomwe mari yemushonga. Chero bedzi iwe wakanyoreswa mune imwe Medicare Chikamu A kana Chikamu B (kana zvese zviri zviviri), unogona kutenga Medicare Chikamu D chirongwa chemushonga chemushonga seyakamira-yega mutemo.

Iwe unogona zvakare kusainira chirongwa cheMedare Kubatsira icho chinosanganisira mabhenefiti ePart D. Medicare Kubatsira ndiyo yekutanga Medicare inopihwa kuburikidza nemakambani einishuwarenzi akazvimirira. Unogona kusainira chirongwa cheMedare Chikamu D panguva yeMedicare kunyoresa kuvhurika kubva Gumiguru 15 kusvika Zvita 7 yegore rega.

7. Shandisa tsamba yekuraira chemishonga

Zvimwe zvinhu zvakachipa paunozvitenga online. Izvi zvinogona zvakare kushanda kumishonga.

Tsamba yekuraira ma pharmacies ane mashoma pamusoro kana achienzaniswa neyemunharaunda pharmacy. Nekuda kweizvi, ivo vanokwanisa kutenga mishonga nemutengo unodhura.

Bata wako mupi weinishuwarenzi mupi kuti aone kana vaine chero hukama kana kudyidzana neyekutumira tsamba pharmacy. Kana zvirizvo, bvunza chiremba wako kuti atumire mushonga wako kukambani yekuraira tsamba. Vanogona kubva vaendesa zvirevo zvako kumusuwo wako wepamberi.

8. Kumbira masampuli kubva kuna chiremba wako

Kana chiremba wako achikurudzira mushonga unodhura, bvunza mahara sampuli. Unogona kuyedza mushonga kuti uve nechokwadi chekuti hauna mimwe miganho yakaipa usati wazadza mushonga.

9. Usafunge kuti inishuwarenzi yako yehutano yakachipa

Kana yako inishuwarenzi yehutano inosanganisira yekunyorera mishonga yekuvhara, usafunge kuti kushandisa yako inishuwarenzi kwakachipa.

Dzimwe nguva, mutengo wekutenga mumwe mushonga kunze-kwehomwe wakachipa pane yako yekunyora kopi. Usati washandisa inishuwarenzi kubhadhara mushonga, bvunza nezve mutengo usina inishuwarenzi.

Yako inishuwarenzi copay inogona kunge iri $ 10, zvakadaro mushonga wacho unongodhura $ 5 pasina inishuwarenzi.

Kutora

Mishonga yekunyorera inogona kudhura zvichienderana nerudzi rwechinodhaka uye kangani kaunoda kuzadza mushonga. Asi nepo mari yemushonga ichigona kukanganisa bhajeti yako, aya marongero anogona kupomhodza kurovera muhomwe yako. Izvi zvinogona kukutendera iwe kuti utore mishonga iwe yaunoda kuti unzwe zvirinani nekukurumidza.