Uninzi lwethu lufuna ukhetho lokuthenga amayeza kagqirha kwiivenkile zeziyobisi ze-Intanethi kuba olu hlobo lubonakala lufanelekile kwaye lugcina imali. Kodwa ngaba kusemthethweni kwaye kukhuselekile ukuthenga amachiza kwikhemesti ekwi-Intanethi?

Ewe, kunokuba njalo, ukuba uyayiqonda imigibe enokubakho kwaye ulandele izikhokelo ezithile.

Undoqo kukufumana umthombo weziyobisi kwi-Intanethi osemthethweni, okhuselekileyo kwaye ohlangabezana neemfuno zakho, ezifana nokulula kunye namaxabiso. Kukho amashishini alungileyo, anyanisekileyo phaya, kodwa kukwakho neendawo “ezikhohlakeleyo”; iikhemesti ezikwi-intanethi (zizenza iikhemesti ngenene) eziphume kukuqhatha.

Ngaba Kusemthethweni Ukuthenga Amachiza Kwi-Intanethi?
Ewe, inokuba semthethweni ukuba nje imigaqo ethile ilandelwa. Nokuba kusemthethweni na okanye akunjalo ukuthenga amayeza kagqirha wakho kwi-Intanethi kuxhomekeke kwizinto ezahlukeneyo: indawo okuyo, indawo yekhemesti, kunye nokuba ingaba ummiselo uyafuneka na. Zenze uqhelane neemfuno ekufuneka zihlangatyezwe ukuze uthenge ngokusemthethweni amachiza nge-Intanethi.

Ngaba Kukhuselekile Ukuthenga Iziyobisi Kwi-Intanethi?

Ukuba ukhetha i-pharmacy efanelekileyo, ke, ewe, inokukhuseleka. Uya kufuna ukunqanda amakhulu (mhlawumbi amawaka) ewebhusayithi ezikhohlakeleyo ezibanga ukuba ziikhemesti ze-intanethi, kodwa ngokwenene zifuna imali yakho. Zinokuba yingozi kwaye zibiza. Ukuba uyaziqonda izizathu zokuba kutheni uninzi lweekhemesti ze-intanethi zingakhuselekanga okanye zisemthethweni, uya kuyiqonda ngcono indlela yokwenza ukhetho olulumkileyo.

Ikhemesti ekwi-Intanethi okanye iKhemesti kwi-Intanethi?

Kukho umahluko phakathi kokusebenzisa i-Intanethi ukuthenga kwikhemesti yokuthengisa kunye nokuthenga kwikhemesti enobukho be-Intanethi kuphela.

Iivenkile zasekuhlaleni zamachiza zineewebhusayithi; usenokukwazi ukusebenzisa enye ukuzalisa okanye ukuhlaziya umyalelo kagqirha. Uya kuwaqaphela amagama abo: CVS, Walgreens, Rite Aid, okanye uninzi lwabanye. Ngaphandle kokuba unemibuzo malunga nodumo lwekhemesti yakho yasekhaya, akufuneki kubekho ngxaki yokuthenga amachiza kwiiwebhusayithi zabo. Qiniseka nje ukuba usebenzisa idilesi yewebhu echanekileyo ukufikelela kwisakhono sabo somyalelo. (Kunokubakho iwebhusayithi yobuxoki esekwe ukulinganisa ikhemesti yokwenyani.)

Kukwakho nenethiwekhi kunye neekhemesti eziodola ngeposi ezisebenza neenkampani zeinshorensi yezempilo ukulawula iiodolo ezinkulu zamachiza kunye nokugcina amaxabiso ezantsi kwii-inshurensi. I-Express Scripts, iMedco, kunye neCaremark (eyeye-CVS) ziinkampani eziodola ngeposi. Ukuthenga kubo, nge-inshurensi yakho, kukhuselekile njengokusebenzisa ikhemesti yendawo yakho. Ezi khemesti zinokusebenza kakuhle kakhulu ukuba kunzima kuwe ukuba uye kwikhemesti yengingqi yakho. Zikwalungile ukuba uyathanda ukwenza lula ukuhlaziya i-intanethi okanye ukuba uyathanda uku-odola ichiza elixabisa iinyanga ezininzi olithatha rhoqo.

Ezinye iikhemesti, nangona kunjalo, azinazo iindawo zokwenyani apho ungangena khona kwaye unikezele ngomyalelo wakho kunye nemali yakho ukuze uthenge. Zifumaneka kuphela kwi-intanethi; asingabo bonke abathengisa iziyobisi ngokusemthethweni. Zisenokukhuseleka okanye zingakhuseleki ukuba uzithenge kuzo.

Ungawaodola njani amachiza ngokusemthethweni nangokukhuselekileyo kwiVenkile yeZiyobisi kwi-Intanethi

Okokuqala, jonga ukuba amaxabiso ngumba obalulekileyo kuwe. Ukuba unayo i-inshurensi, unokukwazi ukusebenzisa i-inshurensi yakho ukuthenga amachiza akho kwi-intanethi, kodwa iindleko zakho ziya kuba zifana ncam kuyo nayiphi na ikhemesti kuba iindleko zihlawulelwa ngokubambisana I-formulary ye-inshurensi kunye nenqanaba lamaxabiso.

Ukuba unayo i-inshurensi yokuhlawulela amachiza:

1. Khangela kwinkampani yakho yeinshurensi okanye umhlawuli, kuqala. Jonga ukuba banayo na ikhemesti ekhuthazwayo yoku-odola ngeposi onokuyisebenzisa. Ukuba awukwazi ukufumana ulwazi kwiwebhusayithi yenkampani yakho ye-inshurensi okanye yokuhlawula, ke fowunela inombolo yenkonzo yabathengi ukuze ubuze.
2. Ukuba awuwuthandi umbono wokusebenzisa inkampani yokuodola i-inshurensi ye-inshurensi okanye ukuba abanayo yokuyicebisa, ke fumana iwebhusayithi yekhemesti yakho yasekhaya oyithandayo, ngokukhethekayo leyo osele ugcwalise kuyo imiyalelo (CVS, Walgreens, Rite Aid, okanye abanye). Banokuba namandla okukuvumela ukuba u-odole amachiza kwi-intanethi.
3. Ukuba akukho nanye kwezo ndlela isebenzayo, landela amanyathelo 2, 3, kunye no-4 ngezantsi ukuze ufumane ikhemesti ekhuselekileyo nesemthethweni onokuthi uyi-odole kuyo.

Ukuba awunayo i-inshurensi yokuhlawula amachiza (akukho nkcazo kagqirha okanye usengozini yokuwela kumngxuma we-Medicare donut):

1. Qala nge ukuthelekisa amaxabiso eziyobisi kwenye yeewebhusayithi ezikuncedayo ukwenza uthelekiso.
2. Jonga kabini ukuba ikhemesti ye-intanethi onqwenela ukuyisebenzisa isemthethweni kwaye ikhuselekile. I-database ebizwa I-VIPPs (iiNdawo zokuSebenza kwi-Intanethi kwi-Intanethi) igcinwa yi-NABP (uMbutho weSizwe weeBhodi ze-Pharmacy.) Nayiphi na ikhemisi kuloluhlu iye yahlalutywa ukuze iqinisekise ukuba ikhuselekile kwaye isemthethweni ukuba uyisebenzise. kunjalo, ayizizo zonke iikhemesti ze-intanethi ziye zahlaziywa.
3. Elinye iqela, LegitScript, igcina i-database yeekhemesti eziqinisekisiweyo ezikhuselekileyo nezisemthethweni.

Ukuba ufuna uku-odola kwikhemesti engafumanekiyo kulo naluphi na uluhlu lweewebhusayithi ezikhuselekileyo nezisemthethweni, ke qiniseka ukuba uphendule imibuzo eya kukunceda uqikelele ukhuseleko kunye nokusemthethweni kokuodola kuloo nkampani.