Yaye abo baphakamisela amaxabiso bathabatha inzuzo. I-poll ye-Consumer Reports yakutshanje, inxalenye yesithathu yalabo abathatha isigxina semithi yesigxina bathi bafumana i-spike kumaxabiso kwiinyanga ezili-12 ezidlulileyo-kwaye loo nto isuka kwiiyure ezimbalwa ukuya kwii-100 zamayeza. Kwaye ngokucwangciswa ngo-2015 ukusuka kwiKaiser Family Foundation, iipesenti ezingama-24 zezigulane zibikile ukuba zingayifaki imithi kunyaka odlulileyo ngenxa yeendleko.
Ezi zibalo zengqondo. Kodwa kukho iindlela ezimbalwa ongazinciphisa iindleko zakho zemithi.
Hlawula i-Smart Way
Unokuba ucheba malunga nesinye kwisithathu kwiindleko zemimiselo emininzi ngokuhlawula ngeedola zerhafu. Indlela yokwenza oku kukukwenza igalelo kwi-FSA (i-akhawunti ye-Flexible Spending Account) okanye i-HSA (i- Akhawunti ye-Savings Health ). Uhlobo oluphambili phakathi kwe-FSA kunye ne-HSA kukuba iminikelo yangaphambili kufuneka isetyenziswe kunyaka eyenziwe (okanye emva kweenyanga ezimbalwa emva, kuxhomekeke kumhla wokugqibela wabaqeshi); ukuba awusebenzisi imali ngaphakathi kwexesha elinikeziweyo, ulahlekelwa yiyo.
Ngoko ufuna kuphela ukufaka isandla semali okholelwa ukuba uya kuyidinga ngokusekelwe kwimpilo yexesha elidlulileyo. I-HSA idola, ngakolunye uhlangothi, ngowakho ukugcina. Ukuba awunayo nayiphi na inkcitho yempilo kunyaka owodwa, ungayisebenzisa phantsi kwendlela.
Isicwangciso sokuQinisekisa ukuQinisekisa ukuba iMigqaliselo yakho ifihliwe
Ingaba ugqirha ubhala umyalelo wokunciphisa uxinzelelo lwegazi okanye ucoce isikhumba sakho, cela imibuzo emibini: Ingaba i-inshurensi yam isigxina?
Kwaye kukho inguqu ye generic eya kuba yabiza?
Ukuqinisekisa ukuba i-inshorensi ihlanganisa imiyalelo yakho, inceda ukuba usebenze. Kanye ngonyaka - inyanga okanye ngaphezulu phambi kokubhalisa okuvulekileyo - khangela ukuba imimiselo oyithathayo kunye neenkqubo oza kuza kunyaka ozayo ziya kubhekiswa phantsi komgaqo wakho wangoku.
Emva koko, xa uya kugqirha, yenza uluhlu lwamachiza ahlanganiswe yinshurensi yakho kwinqwelo efonini yakho okanye eprintwe. Kwaye ufumane inombolo yakho yekhemisi ngokukhawuleza ukuba ugqirha ukubiza ukuba kuphindwe uhlolisise, uthi uMichelle Katz, umongikazi obhalisiwe kunye nomlobi we-"Healthcare Less". (Esinye isicuku: Ukuba isilwanyana kufuneka uthabathe rhoqo, cela udokotela wakho xa ubeka umlinganiselo ophezulu - kwaye ukwahlula iipilisi ngokwakho-okanye ukuba ibhotile yeentsuku ezingama-90 endaweni yeentsuku ezingama-30 yayingabizi.)
Izizukulwana zenye indlela enamandla yokugcina. Igama iimpawu zento edla ngokubiza kakhulu - yinyaniso kwivenkile nakwiivenkile zesebe, kwaye yinyaniso kwi-pharmacy. Yaye ukuba akukho nhlobo lwemiyeza oyithathayo rhoqo, khumbula engqondweni ukuba umntu unokuya kwindlela yakhe. Jonga apha ngenxa yeziyobisi ezivela kwi-patent - emva kokuba kwenzeke, iinguqu ezinokungabizi ziyakhwela kwiimarike kwaye amaxabiso ahlala ehla.
Uthelekiso lweZiko lokuThengisa kunye nokuSebenza kweeNkxaso
Unokuqhathanisa amanani ukuba uthengisa imoto, ikhomputha, okanye i-jar yebhotela. Kutheni kungabikho iziyobisi? Ngokwengxenye, kukho ukungabikho kokuqonda okukhulu ukuba ama-pharmacy ahlukeneyo ahlawulisa amaxabiso ahlukeneyo kwimimiselo efanayo.
Ukuqala, fumana ukuba i-pharmacy yakho ekhethiweyo yenkampani ye-inshorensi iyayihlawula umyalelo othile. Emva koko qalisa ukuthenga ngeenxa zonke. Kufuneka uqwalasele ukujoyina iBlink Health, inhlangano yobulungu yamahhala eye yaxoxisana namaxabiso aphantsi kwimigqaliselo yamashumi amawaka amalungu kwii-pharmacy kulo lonke ilizwe, njengoko iinkampani ze-inshorensi zixubusha egameni lamalungu azo. Uhlawula imiyalelo yakho ngeBlink uze uwathathe kwi-pharmacy yakho ekhethiweyo. Qaphela: nangona unesi-inshurensi, kukufanele ukhangele ukuba ixabiso onokuyisebenzisa ngokusebenzisa i-Blink kwizilwanyana ezithile linciphile.
Kukho ezinye iinkqubo zokuphuhlisa. I-GoodRx.com iza kukubonisa amaxabiso ahlukeneyo oya kuhlawula ngamachiza athile kwii-pharmacy kufuphi nommandla wakho. Yaye ungayeki iifomasta zokugcina ivenkile ezifana neCockco okanye iSik Club. (Akudingeki ukuba ube ilungu - umthetho wesigqeba uvumeleka iifomasta ukuba ube ne-accessibility-only access.) "Ukhangele naphi na ukusukela kwi-30 ukuya kwi-60 yeepesenti imali, kuxhomekeke kwintoni eso sigqirha," kusho uA Andrea Woroch, umthengi ingcali yokonga.
Sebenzisa iiConpons okanye u-Shop Online
Ekugqibeleni, qonda ukuba kunokubakho iibhuphoni ezixabisekileyo ezikhoyo. Ngaphambi kokutyelela nayiphi na ikhemisi, yenza uphendlo olukhawulezayo lwe-intanethi ngamakhuphoni negama leziyobisi. UWoroch uthi wayemiselwe i-vitamin yokubeletha ene-copay eyi-$ 60 ngenyanga, kodwa emva kokukhangela kwekhawulezikhawuleza, waphela i-copay ye-$ 20. Kwakhona, ngamanye amaxesha kunjalo ukuba i-copay ingaphezu kweendleko zesilwayo. Ukuba kunjalo, ungasebenzisi i-inshurensi, uze ucele ukuba ikhempiki inikezela isaphulelo sokuhlawula ngemali.
Ukusebenzisa i-pharmacy online kukho enye indlela yokugcina imali, kodwa qhubeka uqaphele. Qinisekisa ukuba zisekelwe e-US kwaye zivunywe njengeSayithi eziQinisekisiweyo ze-Pharmacy Practice Sites - kufuneka zibonise itywina kwi-intanethi, kwaye ungasebenzisa olu luhlu ukujonga. "Ndihlala ndifuna ukubiza inombolo kwiwebhusayithi," utsho uKatz. "Le ndlela ukuba kukho ingxaki, ndiyazi ukuba ndinokufikelela kumntu."
Cela Uncedo Ukuba Uyawufuna
Ukuba awukwazi ukuhlawulela imiyalelo yakho, kunokuba udibanise iipilisi okanye uhambe ngaphandle, cela uncedo kwi-Partnership yoNcediso lweNgcaciso (PPARX.com). Unika le ngcaciso yenkonzo yamahhala malunga nawaphi amayeza owathathayo kunye naluphi na uncedo lwe-inshorensi onokuyenza, kwaye banokukunceda kwiiprogram zokuncedisa umyalelo.