ʻO nā meaʻoi limaʻoihanaʻoihana 5 ma luna loa (PBMs) a pehea pehea e hana ai

ʻO ka luna kōkua hoʻopōmaikaʻi, i kapaʻiaʻo PBM, he hui e hāʻawi ana i nā lawelawe, nā papahana hoʻonaʻauao, a me nā lawelawe e kōkua ai i nā maʻi. Ke hana nei lākou i kēia hana ma o ka hoʻoholoʻana i nā hana a nā mea kāpena a me nā kauka e kaukau i nā lāʻau lapaʻau pono e hoʻonui i ka pono.

He mea kūkākūkā ka PBM ma waena o nā mea hoʻolako a me nā lālā o kaʻoihana mālama ola. Ma muli o ko lākou nui, hiki iā lākou ke kūkākūkā i nāʻaelike kālepa nui a kūkākūkā me nā pākiko a me nāʻoihana kālaihana no ka loaʻaʻana o nā kaʻina maikaʻi loa.

Pono nā lālā o kaʻoihana lapaʻau eʻike i kahi PBM e hoʻomalu i ka mākeke, nui loa nāʻoihana nui e hoʻoholo i nā uku uku no nā lāʻau a me nā lawelawe mālama maʻi.

Nā kuleana o kahi PBM

Hiki ke kōkua i ka noʻonoʻoʻana i kekahi PBM ma keʻano he middleman i loko o ka hana mālama ola. Hiki iā ia ke hana i nā hana hoʻolālā a me nā loiloi no ka loaʻaʻana o nā lāʻau e pono aiʻoe i ka manawa. Ma ka pili, he nui nā kuleana o ka PBMs, e like me:

E like me kāu eʻike ai, he nui nā kuleana o ka PBMs e māmā ai i kāu mālama.

ʻElima mauʻoihana PBM

ʻO ka nui o nā PBM e hana ana maʻAmelika Huipūʻia nui loa, e uhi ana ma kahi o 50 pakeneka o ka poʻe maʻi me nā pono pākiko. Eia nā pae nui nui loa o ka PBM ma ka'āina, no ke kālā a me ka uluʻana:

  1. Hōʻike ExpressScripts: Hōʻikeʻo ExpressScripts i nā hanana hou no ka hoʻokeleʻana i nā kumu kūʻai lāʻau kūʻai a me ka hoʻomaikaʻiʻana i ka mālama maʻi. No ka mea,ʻaʻole i hoʻokomoʻiaʻo ExpressScripts a ua pili pūʻia paha i kekahi hale kūʻai kālai'āina, ke kau nei ka mea i ka poʻe kūʻai. ʻO ka mea i kaupaʻiʻia i nā huahana lāʻau lapa ka maikaʻi o ka mālamaʻana i nā maʻi.
  2. CVS Caremark: CVSʻO Caremark ke ulu nei i ka PBM, hoʻolakoʻana i nā lawelawe kōkua kūikawā piha iʻoi aku ma kahi o 2,000 mau mea hoʻolauleʻa mālama ola a me nā mea komo ma waena oʻAmelika Hui PūʻIa.
  3. Argus:ʻO Argus kekahi o nā kikowaena kūikawā hope loa o nāʻike mālama ola a me nā lawelawe e kākoʻo ana i Medicaid a me Medicare Part D, e lawelawe ana i kekahi o nā lāhui iʻoi aku ka maikaʻi o ka'āina. He lehulehu lākou o nā mea kūʻai, mai nā hui mālama pūnaewele i nā mea hana hana lāʻau.
  4. ʻIke: Makemakeʻo Envision i kona mālamalama i ka lehulehu a me kona hōʻike pihaʻana i nā koina, nāʻaelike, a me nā kūkākūkāʻana. I kēia mau lā, ua loaʻa iā Walvisensʻo Exvision, no laila, ua manaʻoʻia kekahi mau mea e holomua i mua.
  5. ProCare RX:ʻO ProCare RX he mea lawelawe i ka lāʻau lapaʻau no ka lawelawe 'ana i nā makahiki heʻumi o ka' ike loea.

He pilikia loa kaʻoihana mālama ola, me ka nui o nā poʻe i komo iʻoi aku ma mua o ke kauka a me ka pilikino.

He mana koʻikoʻi ka PBM i ka loaʻaʻana iāʻoe o nā lāʻau lapaʻau āu e makemake ai ma ke kumukūʻai hiki iāʻoe ke hāʻawi a hoʻohana i kā lākou mau waiwai nui e kūkākūkā ai no ka poʻe insurers a me nā mea kūʻai.