Uye iyo inokwira mitengo inotora mari. Mutsva pfupi yapfuura kuongorora Consumer Reports, chikamu chechitatu chevaya vari kutora mishonga yemishonga panguva ino vanoti vakawana spike mumitengo mumwedzi 12 yapfuura - uye iyo tsvina yakabva kune madhora maduku kusvika kune $ 100 pamutemo. Uye maererano nekudzidza kwegore ra2015 kubva kuKaiser Family Foundation, 24 muzana yevarwere vakarondedzera kusaisa chiremba mukati megore rapera nekuda kwemari.
Idzi idzi dzinotyisa. Asi pane nzira shomanana dzingaderedza mishonga yako inodhura zvikuru.
Chengeta Smart Way
Iwe unogona kuveura nechetatu chetatu kubva pamitengo yemitemo yakawanda nekubhadhara nematare ehurumende isati yasvika. Nzira yekuita izvi ndeyokupa mupiro kune FSA (Flexible Spending Account) kana HSA ( Account Savings Account ). Chinokosha chikuru pakati peFSA neHSA ndeyekuti zvipo kune zvekare zvinofanira kushandiswa gore ravanoitwa (kana mumwedzi mishomanana mushure mezvo, zvichienderana nevateereri vako). kana iwe usingashandisi mari yacho munguva yawakagoverwa, iwe unorasikirwa nayo.
Saka iwe unongoda kugovera mari yaunofunga kuti iwe unoda kubva pane hutano hwekare. HSA madhora, kune rumwe rutivi, ndeyako kuchengeta. Kana iwe usina hutano hwemari mune rimwe gore, unogona kuzvishandisa mumugwagwa.
Nzira yekuita kuti Uve nechokwadi chokuti zvirevo zvako zvakafukidzwa
Pasinei nokuti chiremba ari kunyorera mishonga yekuderedza ropa rako kana kuchenesa ganda rako, bvunza mibvunzo miviri: Inishuwarenzi yangu inovhara iyi mishonga here?
Uye pane shanduro ye generic iyo inenge isina kudhura here?
Kuti uone kuti inshuwarisi inobatanidza zvinyorwa zvako, zvinobatsira kuti zvive zvakanaka. Kamwe kamwe pagore - mwedzi kana kupfuura usati wasvika pakunyoresa kutsemuka - tarisai kana mitemo yaunotora uye maitiro aunenge uchiuya mugore rinotevera ichafukidzwa pasi pehutano hwako huripo.
Zvino, kana iwe uchienda kwachiremba, nyora mishonga yemishonga yakavharwa neinishuwarenzi yako mumutsamba pafoni yako kana kuti yakadhindwa. Uye ita kuti mishonga yako yemishonga inowanikwa nyore nyore kuti chiremba ade kudana kaviri, tarisa Michelle Katz, mukoti akanyoresa uye munyori we "Healthcare for Less." (Chimwe chinhu: Kana uri mushonga waunofanira kutora nguva dzose, bvunza chiremba wako kana kurondedzera mizinga yakakwirira - uye nekuparadzanisa mapiritsi iwe pachako-kana kana bhodhoro remazuva 90 panzvimbo yemazuva matatu-mazuva angave asina kutengesa.)
Zvizvarwa ndeimwe nzira ine simba yekuchengetedza. Zita mabhii echinhu chipi nechipi chinodhura zvikuru - ndezvechokwadi pachitorosi uye kumahofisi ezvitoro, uye ndezvechokwadi kune pharmacy. Uye kana pasina ruzivo rwemishonga yaunotora nguva dzose, cherechedza kuti mumwe angave ari munzira yake. Tarisa pano nokuda kwezvinodhaka zvinouya kubva patent - mushure mezvozviitika, mabhizimisi anodhura anosvika mumusika uye mitengo inowanzoenda pasi.
Kuenzanisa Shop uye Kushandisa Zvirongwa Zvingabatsiri
Iwe unogona kuenzanisa nhamba kana iwe uri kutenga motokari, kombiyuta, kana kunyange chirongo chepanot butter. Sei usingaiti mishonga yemishonga? Mune chikamu, kune kushaya kukuru kwekunzwisisa kuti ma pharmacy akasiyana anotengesa zvakanyanya kusiyana kwemitengo yemirairo yakafanana.
Kutanga, tsvaga zvinoshandiswa nekambani yehushumo yekambisi yeupurisi inobhadhara imwe mishonga. Zvadaro tanga kutengesa. Iwe unofanirwa kufunga nezvekubatana naBlink Health, sangano rehurumende risina rusununguko rakabvunzurudza mutengo wakaderera pamitemo yezviuru zvayo nhengo dzemaparammende zvakapoteredza nyika, sezvo makambani einishuwarenzi anotaurirana nokuda kwevanhu vavo. Iwe unobhadhara zviyero zvako kuburikidza naBlink ipapo uzvitore pa pharmacy yako yaunosarudza. Cherechedza: Kunyange kana iwe une inshuwarisi, zvakakosha kuongorora kana mutengo waunogona kuwana kuburikidza nekunyara pane mamwe madhiragi zvakaderera.
Pane zvimwe zvirongwa zvekutsvaga zvakare. GoodRx.com ichakuratidza matanho akasiyana-siyana auchabhadhara pamishonga inoshandiswa pamadhemasi pedyo nenzvimbo yako. Uye usaregeredza ma pharmacy ezvitoro ekuchengetedza seCococo kana Sam Club. (Iwe haufaniri kuva nhengo - mutemo wehurumende unorambidza ma pharmacy kubva pakuva nhengo-chete kuwanika.) "Uri kutarisa kupi zvako kubva kune makumi matatu kusvika ku60 kubva muzana kubva muzana, zvichienderana nezvinoitwa nemishonga yacho," anodaro Andrea Woroch, mutengi savings expert.
Shandisa Coupons kana Shop Online
Pakupedzisira, ziva kuti panogona kunge kune mapikoni anokosha anowanikwa. Usati washanyira chero mapeji, ita nekukurumidza paIndaneti kutsvaga makononi nezita remishonga. Woroch anoti ainge atemerwa vitamini yepabonde ane copay ye $ 60 pamwedzi, asi mushure mekutsvakurudza kwakakurumidza kutsvaga, akapedzisira ane $ 20 copay. Uyewo, dzimwe nguva ndiyo mhaka iyo copay inopfuura kudhura kwechirwere. Kana iri ichokwadi, usashandisa inshuwarisi, uye bvunza kana pharmacy inopa kuderedza kubhadhara mari.
Kushandisa mapuromita ari paIndaneti ndeimwe nzira yekuchengetedza mari, asi ramba uchichenjerera. Iva nechokwadi chokuti vakabva muUnited States uye vanobvumirwa seVavimbiswa neIndaneti Pharmacy Practice Sites - vanofanira kuisa chisimbiso paIndaneti, uye iwe unogona kushandisawo urongwa kuti uone. "Ndinogara ndichida kudana nhamba pawebsite," anodaro Katz. "Nzira iyi kana pane dambudziko, ndinoziva kuti ndinogona kusvika kune munhu."
Kumbira rubatsiro kana uchida
Kana iwe usingagoni kukwanisa kubhadhara mitemo yako, pane kuparadzanisa mapiritsi kana kuenda kunze, kukumbira rubatsiro kubva kuUbatsiro hweKubatsira kwaPescription (PPARX.com). Iwe unopa ruzivo urwu rwebasa rusingabhadhari pamusoro pemishonga yaunotora uye nezvehupi hwehupfumi huripo hungave nawo, uye vanogona kubatsira nemapurogiramu erubatsiro rwemishonga.