Uyonga njani imali kumayeza

Iindleko eziphuma epokothweni zamayeza kagqirha zinokudibanisa ngokwenene. Iindaba ezimnandi zezokuba kunokubakho iindlela zokonga kwiindleko zamachiza. Qala ngokutshintshela kukhetho oluqhelekileyo okanye ubhalisele inkqubo yesaphulelo. Nazi ezinye iindlela ezikhuselekileyo zokonga amayeza.

Amachiza enziwe afana nalawo aveliswe ngumenzi ziikopi zegama lophawu lweziyobisi. Banamayeza afanayo afana negama lophawu lweziyobisi. Igeneric ivunyiwe njengekhuselekileyo nesebenzayo kuLawulo lokutya kunye neziyobisi (FDA). Igama lophawu lweziyobisi libiza ngaphezulu ngenxa yophando olwenziweyo. Amachiza enziwe afana nalawo aveliswe ngumenzi sisiyobisi esinye, kwaye kubiza imali encinci.

Unokwazi ukuthenga ulingano lwonyango ngexabiso eliphantsi. Le yindlela eyahlukileyo yeziyobisi, kodwa inyanga imeko efanayo. Ingasebenza ngokuchanekileyo.

Buza umboneleli wakho wezempilo ukuba ngaba kukho ukhetho oluqhelekileyo okanye enye efanayo, engabizi kakhulu, iyeza leziyobisi ozithathayo.

Unokwazi uku-odola idosi ephindwe kabini yeyeza lakho, kwaye wahlule iipilisi kubini. Kuxhomekeka kuhlobo lwamayeza kunye nedosi oyithathayo. Ngamanye amaxesha, inokugcina imali.

I-FDA inoluhlu lweziyobisi ezinokwahlulwa ngokukhuselekileyo. Ukuba ipilisi ivunyiwe ukuba yahlulwe, kuyakubakho inqaku kwicandelo "Libonelelwa njani" ilebhile yeyeza. Kuya kubakho umgca ngaphaya kwepilisi ukukubonisa indawo yokwahlulahlula. Kuya kufuneka uhlule ipilisi enye ngexesha kwaye usebenzise zombini iihafu ngaphambi kokuqhekeza enye ipilisi.

Musa ukwahlula iipilisi ngaphandle kokuthetha nomboneleli wakho kuqala. Ezinye iziyobisi zinokuba yingozi ukuba zahlulwe ngaphambi kokusetyenziswa.

Zama ukufumana ikhemesti elungileyo yoku-odola amayeza akho exesha elide. Isicwangciso sakho sezempilo sinokukunika enye. Unoku-odola ubonelelo lweentsuku ezingama-90 kwaye unokuba ne-copay esezantsi.

Kananjalo unokukhangela kwi-Intanethi ngexabiso elifanelekileyo loku-odola imeyile. Emva koko jonga kwisicwangciso sakho sezempilo ukuze uqiniseke ukuba amayeza owathengayo kule nkqubo aya kugqunywa phambi kokuba u-odole.

Khumbula, ayizizo zonke izinto ezikwi-intanethi ezikhuselekileyo. Jonga ngesicwangciso sakho sezempilo okanye umboneleli ngaphambi kokuba uthenge ukuqinisekisa ukuba inkqubo ikhuselekile.

Unokufanelekela inkqubo yokunceda iziyobisi. Kuxhomekeke kumvuzo wakho kunye neemfuno zempilo. Ezinye iinkampani ezixuba amayeza zibonelela ngezi nkqubo. Bakwabizwa ngokuba "ziinkqubo zoncedo lwezigulana." Unokufumana ikhadi lesaphulelo, simahla, okanye amayeza anexabiso eliphantsi. Unokufaka isicelo ngqo kwinkampani yeziyobisi amayeza owasebenzisayo.

Iiwebhusayithi ezinje Iintswelo (www.needymeds.org) kunye Ubuhlakani boNcedo loMyalelo (www.pparx.org) inokukunceda ufumane uncedo kumayeza owasebenzisayo.

Amanye amazwe kunye nezicwangciso zeinshurensi yezempilo zikwabonelela ngeenkqubo zoncedo. Jonga ngesicwangciso sakho sempilo kunye neewebhusayithi zikarhulumente wasekhaya.

Ukuba ungaphezulu kweminyaka engama-65, jonga kwi-inshurensi yeziyobisi eyongezelelweyo (Icandelo le-Medicare D). Le inshorensi yokhetho inokukunceda uhlawule amayeza akho.

Thatha onke amayeza akho njengoko eyalelwe ukunqanda iingxaki ezinokukhokelela ekuguleni nakwindleko epokothweni. Xelela umboneleli wakho ukuba uthatha amanye amayeza, izongezo zemithi, okanye iziyobisi.

Yakha ubudlelwane obuhle kunye nekhemesti yakho. Usokhemesti wakho unokukujonga, acebise ngeendlela zokonga imali, kwaye aqiniseke ukuba onke amayeza owasebenzisayo akhuselekile.

Lawula imeko yakho. Enye yeendlela ezilungileyo zokonga imali kwiindleko zonyango kukuhlala usempilweni.

Jonga umboneleli wakho kutyelelo ngalunye ukuze uqiniseke ukuba kufuneka uqhubeke nokusela amayeza. Kukho ezinye iindlela zokulawula imeko yakho ebiza ixabiso elincinci.

Thenga kuphela amayeza kwikhemesti enelayisensi yaseMelika. Sukuthenga amayeza kumazwe angaphandle ukuze wonge imali. Umgangatho nokhuseleko lwala mayeza alwaziwa.

Thetha nomboneleli wakho ukuba:

• Unengxaki ekuhlawuleni amayeza akho
• Unemibuzo okanye inkxalabo malunga namayeza akho

Iwebhusayithi yoLawulo lwezoKutya noLawulo lweziyobisi. Ezona ndlela zilungileyo zokuqhekeka kwethebhulethi. www.fda.gov/Drugs/ResourceForYou/Consumers/BuyingUsingMedicineSafely/EnsuringSafeUseofMedicine/ucm184666.htm. Ukuhlaziywa kwe-23 ka-Agasti ka-2013. Ifikeleleke ngo-Okthobha 28, 2020.

Iwebhusayithi yoLawulo lwezoKutya noLawulo lweziyobisi. Ukugcina imali kumayeza amiselweyo. www.fda.gov/drugs/resource-you/saving-money-prescription-drugs. Ukuhlaziywa ngoMeyi 4, 2016. Kufumaneka ngo-Oktobha 28, 2020.

• Amayeza