Iindleko zonyango lwe-Ling Congs: Ukukhokela okubanzi kweempembelelo zemali zonyango oluphambili lwemiphunga eliphezulu kubalulekile kwizigulana nakwiintsapho zabo. Esi sikhokelo sinika isishwankathelo esicacileyo seendleko ezinxulumene nokukhetha ezohlukeneyo zonyango, izinto ezithande ezi ndleko, kunye nezixhobo ezikhoyo zoncedo lwezezimali.

Ixabiso lonyango

Ukujamelana nesifo somhlaza wemiphunga eliphumleyo kunokuba yinto enkulu, kwaye umthwalo wezezimali uhlala wongeza kuxinzelelo. Ixabiso le Unyango oluphambili lomhlaza Ukuhluka kakhulu kuxhomekeke kwizinto ezininzi, kubandakanya nesicwangciso sonyango, isimo seinshurensi ye-inshurensi, kunye nendawo ekunikezelweni kwezempilo. Esi sikhokelo sijolise ekunikezeleni ukuqonda okucacileyo kwezi ndleko kunye nezixhobo ezikhoyo ukunceda ukubaphatha. Siza kuphonononga iindlela ezahlukeneyo zonyango, iindleko ezinxulumene nazo, kunye nezicwangciso zokuhamba ngemiceli mingeni yemali yesi sifo.

Ukuqonda iindleko zonyango oluphambili lwemiphunga

Ixabiso le Unyango oluphambili lomhlaza Ungahluka ukusuka kumawaka amawaka eedola, kuxhomekeka kubunzima betyala kunye nendlela ekhethiweyo. Izinto ezininzi zinegalelo kwiindleko zonke:

Unyango lweMisebenzi yoNyango kunye neendleko zabo ezinxulumene nazo

Unyango lomhlaza wemiphunga eliphezulu luhlala lubandakanya ukudityaniswa konyango. Iindleko ezinxulunyaniswa nendlela nganye yokuphila iyahluka kakhulu:

• I-chemotherapy: Oku kubandakanya amayeza e-intravenous, kwaye iindleko zixhomekeke kumachiza akhethekileyo asetyenzisiweyo kunye ne-frequency yonyango. Lindela umahluko obalulekileyo phakathi kwerejimeni.
• Unyango olujolise kulo: La mayeza ajolise kuguquko oluthile lwendalo kwiiseli zomhlaza. La machiza ahlala ebiza kakhulu kune-chemotherapy yesiqhelo, kodwa banokusebenza ngakumbi kwizigulana ezithile. Iindleko ziyahluka ngokusekwe ngokubanzi kumayeza asetyenzisiweyo.
• Immunoherapy: Olu hlobo lonyango lunceda amajoni omzimba alwa iiseli zohlaza. Ugonyo luhlala lubiza kakhulu kwaye amaxabiso abo ayahluka kakhulu.
• Unyango lwe-radiation: Ixabiso lixhomekeke kubungakanani bemitha efunekayo kwaye uhlobo lonyango lwe-radiation lubelwe. Oku kunokubandakanya imitha yangaphandle ye-beam okanye i-brachytherapy.
• Utyando: Ukuba utyando lukhetho, iindleko ziya kuxhomekeka kubunzima benkqubo kunye nesakhiwo samaxabiso esibhedlele. Oku kunokubandakanya ukuqhubela phambili i-LANGC, i-lobectomy, okanye ezinye iinkqubo.
• Unonophelo lwenkxaso: Oku kubandakanya ulawulo lweentlungu, ukhathalelo lwexhoba, kunye nezinye iinkonzo eziyimfuneko ekuphuculeni umgangatho wobomi bomonde, kwaye inegalelo kwiindleko zonke.

Izinto ezichaphazela iindleko zonyango

Ngaphaya kwezinyango ezithile ezisetyenzisiweyo, ezinye izinto ezininzi zinegalelo kwiindleko zonke ze Unyango oluphambili lomhlaza:

• I-Inshurensi ye-Inshurensi: Isicwangciso seinshurensi yesigulana ichaphazela kakhulu iindleko zepokotho. Ukugubungela kuyahluka kakhulu phakathi kwezicwangciso, kwaye ukuqonda umgaqo-nkqubo wakho kubaluleke kakhulu.
• Indawo: Iindleko zokhathalelo lwempilo ziyahluka ngokwendawo. Unyango kumaziko asezidolophu asezidolophini unokubiza kakhulu kunakwiindawo ezisemaphandleni. Cinga ngendleko zokuhamba ukongeza kwiindleko zonyango.
• Izibhedlele kunye neefizi zegqirha: Izibhedlele ezahlukeneyo kunye namagqirha zinezakhiwo ezahlukeneyo zamaxabiso. Ukuphanda ukhetho kunye nokuthelekisa iindleko kunokuba yingenelo.
• Ubude bonyango: Ixesha lonyango lichaphazela kakhulu iindleko zonke. Unyango olunde ngokwendalo lukhokelela kwiindleko eziphezulu.

IZIXHOBO ZOKUFUNDA IMALI

Ukuhambahamba kwezemali Unyango oluphambili lomhlaza kunokuba ngumceli mngeni. Ngethamsanqa, izibonelelo ezininzi ziyafumaneka ukunceda abaguli kunye neentsapho zabo:

• IINKQUBO ZOKUNCEDA IINKQUBO (PAPS): Uninzi lweenkampani zamayeza zibonelela nge-PAPS ukunceda izigulana zikwazi ukufumana amayeza abo. Ezi nkqubo zihlala zibonelela ngamayeza asimahla okanye aphunguliweyo ngokusekwe kwimfuno yemali.
• Imibutho eSahliweyo: Imibutho eliqela eshukumayo ibonelela ngoncedo lwezezimali lonyango lomhlaza, kubandakanya noMbutho woMhlaza waseMelika kunye nomhlaza wokuxhasa umhlaza. Banikezela ngeenkonzo ezahlukeneyo kunye neenkqubo, ezinye zazo zibandakanya uncedo lwezezimali.
• Iinkqubo zikarhulumente: Kuxhomekeka kwiimeko zabantu, izigulana zinokufanelekela kwiinkqubo zoncedo lukarhulumente ezinjengeMedicaid okanye iMedicare. Uphando ngononophelo luyimfuneko ukumisela ukufaneleka.
• Uncedo lwezeziThengisa sasesibhedlele: Izibhedlele zihlala zineenkqubo zoncedo lwezezimali kwizigulana ezingakwaziyo ukufumana iindleko zazo zonyango. Buza ngeOfisi yoNcedo lwezeMali yeZimvo ukuze ufumane iinkcukacha.

Ukucwangciswa kweendleko zonyango oluphambili lwemiphunga

Isicwangciso esisebenzayo sibalulekile ekulawuleni umthwalo wezemali Unyango oluphambili lomhlaza. Oku kubandakanya:

• Ukuqonda i-inshurensi yakho yokuPhakanywa: Qwalasela kwakhona umgaqo-nkqubo wakho weinshurensi yokuqonda ukugubungela kwakho kunyango lomhlaza, kubandakanya ukungafuduki, i-co-Pays, kunye ne-pocket ephezulu.
• Ukuphuhlisa uhlahlo-lwabiwo mali: Yenza uhlahlo-lwabiwo mali oluneenkcukacha ukulandelela iindleko zakho kwaye uchonge iindawo apho unokusika khona.
• Ukuhlola ukhetho loncedo lwezezimali: Uphando kwaye wenze isicelo seenkqubo zoncedo lwezezimali ezinikezelwa ziinkampani zamachiza, imibutho ethuhliweyo, kunye neearhente zikarhulumente.
• Ukufuna ingcebiso ngezemali: Cinga ngokusebenzisana nomcebisi wezezimali onobuchule kwiindleko zokhathalelo lwempilo ukukunceda uphucule isicwangciso sezemali esibanzi.

Khumbula uncedo. Ungathandabuzi ukufikelela kwiqela lakho lezempilo, oonontlalontle, okanye abacebisi ngezemali ukuze baxhase ekuhambeni imiceli mngeni yezemali enxulumene nomhlaza wemiphunga. Ngolwazi oluthe kratya kunye nezixhobo, nceda utyelele IZiko loPhando lweShandong Baeo.