{"id":5895,"date":"2023-07-07T08:36:38","date_gmt":"2023-07-07T07:36:38","guid":{"rendered":"https:\/\/radiomiami.us\/?p=5895"},"modified":"2023-07-07T15:53:58","modified_gmt":"2023-07-07T14:53:58","slug":"biden-aprobo-una-legislacion-historica-para-reducir-tarifas-y-costos-de-medicamentos-recetados-y-proteger-a-los-consumidores-de-las-tarifas-ocultas","status":"publish","type":"post","link":"https:\/\/radiomiami.us\/en\/biden-aprobo-una-legislacion-historica-para-reducir-tarifas-y-costos-de-medicamentos-recetados-y-proteger-a-los-consumidores-de-las-tarifas-ocultas\/","title":{"rendered":"Biden aprob\u00f3 una legislaci\u00f3n hist\u00f3rica para reducir tarifas y costos de medicamentos recetados y proteger a los consumidores de las tarifas ocultas"},"content":{"rendered":"

<\/h2>\n
\n
\"Biden
\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0Biden anunciar\u00e1 acciones para proteger a los consumidores de deudas m\u00e9dicas injustas.<\/figcaption><\/figure>\n
\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 FOTO: JIM WATSON \/ AFP \/ GETTY IMAGES<\/div>\n<\/div>\n
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Desde el comienzo de su administraci\u00f3n,\u00a0el presidente Joe Biden aprob\u00f3 una legislaci\u00f3n hist\u00f3rica para reducir los costos de atenci\u00f3n m\u00e9dica<\/strong>\u00a0para decenas de millones de estadounidenses, se enfrent\u00f3 a las grandes farmac\u00e9uticas para que\u00a0finalmente permitieran que Medicare negocie precios m\u00e1s bajos de medicamentos recetados<\/strong>\u00a0y tom\u00f3 medidas para\u00a0eliminar las tarifas ocultas<\/strong>\u00a0en todos los sectores de la econom\u00eda.<\/h4>\n

<\/h4>\n

Biden anunciar\u00e1 el viernes nuevas medidas adicionales relacionadas con costos del cuidado de salud que ha decidido, para continuar cumpliendo con sus promesas.<\/h4>\n

<\/h4>\n

Entre las nuevas medidas que se anunciar\u00e1n por Biden se hallan las relacionadas con:<\/h4>\n<\/div>\n
<\/div>\n
\n

M\u00e1s protecci\u00f3n contra seguros de salud \u201cbasura\u201d<\/h2>\n

 <\/p>\n

Las nuevas reglas cerrar\u00edan las lagunas que permiten a las empresas ofrecer\u00a0seguros enga\u00f1osos que discriminan en funci\u00f3n de condiciones preexistentes y enga\u00f1an a los consumidores<\/strong>\u00a0para que compren seguros de salud que brindan poca o ninguna cobertura cuando m\u00e1s la necesitan.<\/h4>\n

 <\/p>\n

Son planes de salud que dejan a las familias sorprendidas con miles de d\u00f3lares en gastos m\u00e9dicos<\/strong>\u00a0cuando en realidad utilizan servicios de atenci\u00f3n m\u00e9dica como una cirug\u00eda.<\/h4>\n

 <\/p>\n

\"El
\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0El alto precio de la insulina ha obligado a diab\u00e9ticos a racionar el medicamento. \/Foto: Spencer Platt\/Getty Images<\/figcaption><\/figure>\n
\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0FOTO: GETTY IMAGES<\/div>\n

\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0Orientaci\u00f3n sobre las reglas contra la facturaci\u00f3n m\u00e9dica sorpresa<\/h2>\n

 <\/p>\n

Las reglas de la Administraci\u00f3n de Biden ya est\u00e1n evitando hasta 1 mill\u00f3n de facturas m\u00e9dicas sorpresa cada mes y\u00a0la nueva gu\u00eda ayudar\u00e1 a evitar que los proveedores jueguen con el sistema al evadir las reglas de facturaci\u00f3n sorpresa<\/strong>\u00a0que a\u00fan dejan a los consumidores con costos inesperados.<\/h4>\n
\"El
\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 El presidente Joe Biden (c) firma la Ley de Reducci\u00f3n de la Inflaci\u00f3n en la Casa Blanca el 16 de agosto de 2022. \/Foto: Drew Angerer\/Getty Images<\/figcaption><\/figure>\n
\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 FOTO: GETTY IMAGES<\/div>\n

Medidas para proteger a los consumidores de deudas m\u00e9dicas injustas<\/h4>\n

<\/h4>\n

Por primera vez en la historia, la Oficina de Protecci\u00f3n Financiera del Consumidor, el HHS y el Tesoro est\u00e1n colaborando para explorar si los esfuerzos de los proveedores de atenci\u00f3n m\u00e9dica y de terceros para alentar a los consumidores a suscribirse a estos productos\u00a0est\u00e1n operando fuera de las protecciones existentes al consumidor<\/strong>\u00a0y violando la ley porque\u00a0las tarjetas de cr\u00e9dito m\u00e9dicas y los pr\u00e9stamos a menudo conducen a costos m\u00e1s altos sin que los consumidores comprendan completamente los riesgos.<\/strong><\/h4>\n

<\/h4>\n

Nuevo informe que muestra ahorros en medicamentos recetados<\/h4>\n

<\/h4>\n

El Departamento de Salud y Servicios Humanos est\u00e1 publicando un nuevo informe que muestra que se prev\u00e9 que casi 19 millones de adultos mayores y otros beneficiarios de la Parte D ahorren $400 d\u00f3lares por a\u00f1o en medicamentos recetados cuando entre en vigencia el l\u00edmite de gastos de bolsillo de $2,000 d\u00f3lares del presidente Biden.<\/h4>\n

 <\/p>\n

\"Una
\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Casi 19 millones de beneficiarios de Medicare Parte D ahorrar\u00e1n $400 d\u00f3lares por a\u00f1o en medicamentos recetados. \/Foto: Justin Sullivan\/Getty Images<\/figcaption><\/figure>\n
\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0FOTO: GETTY IMAGES<\/div>\n

 <\/p>\n

La Ley de Reducci\u00f3n de la Inflaci\u00f3n autoriz\u00f3 que\u00a0los gastos de bolsillo en medicamentos recetados en la farmacia tendr\u00e1n un l\u00edmite de $2,000 d\u00f3lares por a\u00f1o\u00a0<\/strong>para los afiliados a la Parte D de Medicare a partir de 2025.<\/h4>\n

<\/h2>\n

Consolidando hitos logrados por la Administraci\u00f3n Biden<\/h2>\n

 <\/p>\n

Las acciones siguen hitos significativos logrados la semana pasada en la implementaci\u00f3n de\u00a0la ley hist\u00f3rica del presidente Biden para reducir los costos de atenci\u00f3n m\u00e9dica y medicamentos recetados.<\/strong><\/h4>\n

 <\/p>\n

El 30 de junio, los Centros de Servicios de Medicare y Medicaid publicaron una gu\u00eda revisada que describe c\u00f3mo negociar\u00e1n precios m\u00e1s bajos de medicamentos recetados para personas mayores a finales de este a\u00f1o. Los diez primeros medicamentos seleccionados para la negociaci\u00f3n ser\u00e1n anunciados el 1 de septiembre de 2023.<\/h4>\n

 <\/p>\n

Tambi\u00e9n la semana pasada, entr\u00f3 en vigencia\u00a0el l\u00edmite mensual de insulina de $35 para los beneficiarios de la Parte B de Medicare<\/a>.<\/h4>\n

<\/h4>\n

Ya 1.5 millones de beneficiarios de la Parte D de Medicare estaban ahorrando hasta cientos de d\u00f3lares por mes en costos de insulina gracias a la Ley de Reducci\u00f3n de la Inflaci\u00f3n y muchos m\u00e1s se beneficiar\u00e1n de estos ahorros en costos a partir de este mes.<\/h4>\n<\/div>","protected":false},"excerpt":{"rendered":"

\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0Biden anunciar\u00e1 acciones […]<\/p>\n","protected":false},"author":1,"featured_media":5896,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5895","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-podcast"],"acf":[],"yoast_head":"\nBiden aprob\u00f3 una legislaci\u00f3n hist\u00f3rica para reducir tarifas y costos de medicamentos recetados y proteger a los consumidores de las tarifas ocultas - Radio Miami<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/radiomiami.us\/en\/biden-aprobo-una-legislacion-historica-para-reducir-tarifas-y-costos-de-medicamentos-recetados-y-proteger-a-los-consumidores-de-las-tarifas-ocultas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Biden aprob\u00f3 una legislaci\u00f3n hist\u00f3rica para reducir tarifas y costos de medicamentos recetados y proteger a los consumidores de las tarifas ocultas - Radio Miami\" \/>\n<meta property=\"og:description\" content=\"\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0Biden anunciar\u00e1 acciones […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/radiomiami.us\/en\/biden-aprobo-una-legislacion-historica-para-reducir-tarifas-y-costos-de-medicamentos-recetados-y-proteger-a-los-consumidores-de-las-tarifas-ocultas\/\" \/>\n<meta property=\"og:site_name\" content=\"Radio Miami\" \/>\n<meta property=\"article:published_time\" content=\"2023-07-07T07:36:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-07T14:53:58+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/radiomiami.us\/wp-content\/uploads\/2023\/07\/Biden-firma-ley-resolucion-de-la-inflacion.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"2048\" \/>\n\t<meta property=\"og:image:height\" content=\"1365\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/radiomiami.us\\\/biden-aprobo-una-legislacion-historica-para-reducir-tarifas-y-costos-de-medicamentos-recetados-y-proteger-a-los-consumidores-de-las-tarifas-ocultas\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/radiomiami.us\\\/biden-aprobo-una-legislacion-historica-para-reducir-tarifas-y-costos-de-medicamentos-recetados-y-proteger-a-los-consumidores-de-las-tarifas-ocultas\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Biden aprob\u00f3 una legislaci\u00f3n hist\u00f3rica para reducir tarifas y costos de medicamentos recetados y proteger a los consumidores de las tarifas ocultas\",\"datePublished\":\"2023-07-07T07:36:38+00:00\",\"dateModified\":\"2023-07-07T14:53:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/radiomiami.us\\\/biden-aprobo-una-legislacion-historica-para-reducir-tarifas-y-costos-de-medicamentos-recetados-y-proteger-a-los-consumidores-de-las-tarifas-ocultas\\\/\"},\"wordCount\":774,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/radiomiami.us\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/radiomiami.us\\\/biden-aprobo-una-legislacion-historica-para-reducir-tarifas-y-costos-de-medicamentos-recetados-y-proteger-a-los-consumidores-de-las-tarifas-ocultas\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/radiomiami.us\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/Biden-firma-ley-resolucion-de-la-inflacion.webp\",\"articleSection\":[\"Podcast\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/radiomiami.us\\\/biden-aprobo-una-legislacion-historica-para-reducir-tarifas-y-costos-de-medicamentos-recetados-y-proteger-a-los-consumidores-de-las-tarifas-ocultas\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/radiomiami.us\\\/biden-aprobo-una-legislacion-historica-para-reducir-tarifas-y-costos-de-medicamentos-recetados-y-proteger-a-los-consumidores-de-las-tarifas-ocultas\\\/\",\"url\":\"https:\\\/\\\/radiomiami.us\\\/biden-aprobo-una-legislacion-historica-para-reducir-tarifas-y-costos-de-medicamentos-recetados-y-proteger-a-los-consumidores-de-las-tarifas-ocultas\\\/\",\"name\":\"Biden aprob\u00f3 una legislaci\u00f3n hist\u00f3rica para reducir tarifas y costos de medicamentos recetados y proteger a los consumidores de las tarifas ocultas - 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