Abaningi bethu bafuna inketho yokuthenga imithi kadokotela ezitolo zezidakamizwa ze-inthanethi ngoba umkhuba ubonakala ulula futhi wonga imali. Kodwa ingabe kusemthethweni futhi kuphephile ukuthenga izidakamizwa ekhemisi eliku-inthanethi?

Yebo, kungaba njalo, uma uqonda izingibe ezingaba khona futhi ulandele iziqondiso ezithile.

Okubalulekile wukuthola umthombo wezidakamizwa ku-inthanethi osemthethweni, ophephile futhi ohlangabezana nezidingo zakho, njengokunethezeka kanye nentengo. Kukhona amabhizinisi amahle, athembekile laphaya, kepha akhona nezingosi “ezikhohlakele”; amakhemisi aku-inthanethi (azenzisa ngempela amakhemisi) azimisele ukukuqola.

Ingabe Kusemthethweni Ukuthenga Izidakamizwa Ku-inthanethi?
Yebo, kungaba semthethweni inqobo nje uma kulandelwa imithetho ethile. Ukuthi kusemthethweni noma cha ukuthenga imithi kadokotela ku-inthanethi kuncike ezicini ezihlukahlukene: indawo okuyo, indawo yekhemisi, kanye nokuthi incwadi kadokotela iyadingeka noma cha. Zenze ujwayelane nezidingo okufanele zihlangatshezwe ukuze uthenge izidakamizwa ngokusemthethweni nge-inthanethi.

 

Ingabe Kuphephile Ukuthenga Izidakamizwa Ku-inthanethi?

Uma ukhetha ikhemisi elifanele, khona-ke, yebo, lingaphepha. Uzofuna ukugwema amakhulu (mhlawumbe izinkulungwane) zamawebhusayithi akhohlakele athi angamakhemisi aku-inthanethi, kodwa empeleni afuna imali yakho. Zingaba yingozi futhi zibiza. Uma uqonda izizathu zokuthi kungani amakhemisi amaningi aku-inthanethi engaphephile noma esemthethweni, uzoqonda kangcono ukuthi ungakwenza kanjani ukukhetha okuhlakaniphile.

Ikhemisi eku-inthanethi noma Ikhemisi Ku-inthanethi?

Kunomehluko phakathi kokusebenzisa i-inthanethi ukuthenga ekhemisi kanye nokuthenga ekhemisi eline-inthanethi kuphela.

Izitolo zezidakamizwa zendawo zinamawebhusayithi; ungase ukwazi ukusebenzisa eyodwa ukugcwalisa noma ukuvuselela incwadi kadokotela. Uzowabona amagama abo: i-CVS, i-Walgreens, i-Rite Aid, noma inqwaba yabanye. Ngaphandle uma unemibuzo mayelana nesithunzi sekhemisi langakini, akumele kube nenkinga yokuthenga izidakamizwa kumawebhusayithi abo. Vele uqiniseke ukuthi usebenzisa ikheli lewebhu elilungile ukuze ufinyelele amakhono abo kadokotela. (Kungase kube nesizindalwazi esingumgunyathi esisethelwe ukulingisa ikhemisi langempela lokudayisa.)

Kukhona futhi amakhemisi enethiwekhi nawoku-oda nge-imeyili asebenza nezinkampani zomshwalense wezempilo ukuphatha ama-oda amakhudlwana ezidakamizwa futhi agcine amanani entengo ephansi kubadayisi bomshwalense. I-Express Scripts, i-Medco, ne-Caremark (ephethwe yi-CVS) izinkampani zamakhemisi ezi-oda ngeposi. Ukuthenga kubo, ngomshwalense wakho, kuphephe njengokusebenzisa ikhemisi langakini. Lawa makhemisi angasebenza kahle kakhulu uma kunzima kuwe ukuthi ufinyelele ekhemisi langakini. Zinhle futhi uma uthanda ukuthi kube lula ukwenza kabusha ku-inthanethi noma uma uthanda uku-oda umuthi onezinyanga eziningi owuphuza njalo.

Amanye amakhemisi, nokho, awanazo izindawo zangempela lapho ongangena khona futhi unikeze incwadi kadokotela kanye nemali yakho ukuze uthenge. Zitholakala ku-inthanethi kuphela; akubona bonke abathengisa izidakamizwa ngokusemthethweni. Angase aphephe noma angaphephile ukuthenga kuwo.

Unga-oda Kanjani Izidakamizwa Ngokusemthethweni Futhi Ngokuphephile Esitolo Sezidakamizwa Se-inthanethi

Okokuqala, thola ukuthi intengo iyindaba ebalulekile yini kuwe. Uma unomshwalense, ungase ukwazi ukusebenzisa umshwalense wakho ukuze uthenge izidakamizwa zakho ku-inthanethi, kodwa izindleko zakho cishe zizofana ncamashi kunoma yiliphi ikhemisi njengoba izindleko ziyi-co-pay enqunywa ifomula yomthengisi kanye nenani lentengo.

Uma unomshwalense wokukhokhela izidakamizwa:

  1. Hlola nenkampani yakho yomshwalense noma umkhokhi, kuqala. Bona ukuthi banalo yini ikhemisi le-oda le-imeyili elinconyiwe ongalisebenzisa. Uma ungakwazi ukuthola ulwazi kuwebhusayithi yenkampani yakho yomshwalense noma yabakhokhi, shayela inombolo yabo yesevisi yekhasimende ukuze uyibuze.
  2. Uma ungawuthandi umqondo wokusebenzisa inkampani yoku-oda ngemeyili yomshwalense wakho noma uma ingenayo engakuncoma, thola iwebhusayithi yekhemisi lakho lendawo oyintandokazi, okungcono kakhulu leyo osuvele ugcwalisa kuyo imiyalelo (CVS, Walgreens, I-Rite Aid, noma ezinye). Kungenzeka kakhulu babe nekhono lokukuvumela ukuthi u-ode izidakamizwa ku-inthanethi.
  3. Uma kungekho kulezi zindlela ezisebenzayo, landela izinyathelo 2, 3, no-4 ngezansi ukuze uthole ikhemisi ephephile nesemthethweni onga-oda kulo.

Uma ungenawo umshwalense wokukhokhela izidakamizwa (akukho ukufakwa kwencwadi kadokotela noma usengozini yokuwela emgodini we-Medicare donut):

  1. Qala ngokuthi ukuqhathanisa amanani ezidakamizwa kwenye yamawebhusayithi akusiza ukuthi wenze lokho kuqhathanisa.
  2. Hlola kabili ukuthi ikhemisi eku-inthanethi ofisa ukulisebenzisa lisemthethweni futhi liphephile. Isizindalwazi esibizwa Ama-VIPP (Amasayithi Okwenza Ikhemisi Ye-inthanethi Aqinisekisiwe) igcinwa yi-NABP (National Association of Boards of Pharmacy.) Noma iyiphi ikhemisi ekulolo hlu ihlaziywe ukuze kuqinisekiswe ukuthi iphephile futhi isemthethweni ukuthi uyisebenzise. Nokho, akuwona wonke amakhemisi aku-inthanethi abuyekeziwe.
  3. Elinye iqembu, I-LegitScript, igcina isizindalwazi samakhemisi aqinisekisiwe aphephile futhi asemthethweni.

Uma ufuna uku-oda ekhemisi elingatholakali kunoma yiluphi uhlu lwamawebhusayithi aphephile nasemthethweni, qiniseka ukuthi uphendula imibuzo ezokusiza ukuthi unqume ukuphepha nokuba semthethweni koku-oda kuleyo nkampani.

Siyabonga ngokuvakashela iwebhusayithi yethu. Sicela uqaphele ukuthi asiyamukeli imali uma ilethwa njengoba siyisitolo sezidakamizwa, hhayi isitolo se-pizza. Izinketho zethu zokukhokha zifaka ukukhokha ikhadi ukuya ekhadini, i-cryptocurrency, nokudluliselwa kwebhange. Inkokhelo yekhadi ngekhadi iqedwa nganoma iyiphi yalezi zinhlelo zokusebenza ezilandelayo: Fin.do noma Paysend, okufanele uzilande kudivayisi yakho. Ngaphambi kokufaka i-oda lakho, sicela uqinisekise ukuthi uyayamukela imigomo yethu yokuthunyelwa nenkokhelo. Ngiyabonga.

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