Top Top 5 VaFirmacy Benefits Managers (PBMs) uye Maitiro Avanoita

Mumwe mutariri wemabhizimisi anobatsira, uyo anozivikanwawo sePBM, isangano rinopa maitirwo, mapurogiramu ezedzidzo, uye mazano ekubatsira varwere. Vanoita izvi kuburikidza nekukanganisa mafambiro evanamadzimai uye vanachiremba kuti varayirire zvinodhaka zvakakodzera kuti vawedzere kubudirira kwavo.

IPBM inopindirana pakati pevaiti vezvekuchengetedza uye dzimwe nhengo dzehutano hwehutano. Nemhaka yehukuru hwavo, vanogona kutaurirana zvibvumirano zvakakura zvevatengi uye vanotaurirana nevese pharmacies nemakambani emishonga kuti vawane mazinga akanaka.

Nhengo dzehutori hwemishonga inofanirwa kuziva kuti PBM inodzora mumusika, makambani makuru kwazvo ane mukana mukuru wekutaurirana nezvekubhadharwa kwemitambo nemishonga yekutarisira varwere.

Mabasa ePBM

Zvinogona kubatsira kuti ufunge nezvePBM semunhu wepakati mukati mehutano hwehutano. Inogona kutora chikamu chakanaka chekugadzirira uye basa rekugadzirira kuwana mishonga yaunoda kwauri panguva. Panyaya iyi, PBMs ine basa guru, kusanganisira:

Sezvaunogona kuona, maPBM ane mabasa akawanda ekuita kuti utarisire.

Makambani makuru mashanu ePBM makambani

IPBM mbiri shanu dzinoshandiswa muUnited States dzakakura zvikuru, dzinosvika zvinopfuura 50 muzana yevarwere vane mishonga yepamusoro. Izvi zvinotevera zvipi zvishanu zvePBM zvikuru munyika, maererano nehupfumi uye kukura:

  1. ExpressScripts: ExpressScripts inopa nhanho dzekushandisa mafambiro evhamisi nekuvandudza kutarisirwa kwevarwere. Kubva ExpressScripts haisi iyo inoshandiswa kana kuti yakabatanidzwa kune imwe kambani yemishonga, iyo inonyanya kukosha kune vatengi vayo. Chinonyanya kukoshesa pamasvomhu inobatsira zvinowedzera kutarisirwa kwevarwere zviri nani.
  2. CVS Caremark: CVS Caremark iri kuwedzera PBM, iyo inopa zvakakwana zvinodhaka zvezvipatara kune vanopfuura 2 000 chirongwa chehutano hwehutano vanotsigira uye vatori vechikamu muUnited States yose.
  3. Argus: Argus ndeimwe yevashandi vekupedzisira vakazvidzivirira nezvehutano hwehutano uye mabasa anotsigira Medicaid uye Medicare Part D, kushumira vamwe vevanhu vanotambura zvikuru munyika. Vane mhando dzakasiyana dzevatengi, kubva kumasangano ekuchengetedza akachengetedzwa kusvika kune vanogadzira mishonga.
  4. Tarisa maonero: Kuona kunofanirwa kujeka pakusanzwisisika kwayo kuvanhu uye kuzarura kwayo zvizere pamatambudziko, zvibvumirano, nekukurukurirana. Munguva pfupi yapfuura, Kufungidzirwa kwakawanikwa neWalgreens, saka zvimwe kuchinja kunotarisirwa mberi.
  5. ProCare RX: ProCare RX ndiyo mutungamiri wenyika yepamusoro wemafambisi anobatsira nemakumi emakore ehutano muhutano hwehutano hwehutano.

Utano hwehutano hwakaoma zvikuru, uye makambani akawanda anobatanidzwa anoenda kure kupfuura chiremba uye hukama hwemishonga.

IPBM ine basa rinokosha pakukushandisa iwe mishonga yaunoda pamutengo waunogona kutenga uye kushandisa zvinyorwa zvayo zvakawanda kuti uitisane nechinangwa chevatsigiri nevatengi.