Ixabiso eliphantsi lexabiso lezibhedlele zomhlaza

Ixabiso eliphantsi lexabiso lezibhedlele zomhlaza ezibhedlele zomhlaza Eli nqaku libonisa izinto eziphembelela Ixabiso eliphantsi lexabiso lezibhedlele zomhlaza, ukubonelela ngokuqonda kwizinto zonyango, ezona chiza zexabiso, kunye nezixhobo zokukunceda ukuba uhambise le meko inzima.

Ukuqonda indleko zonyango lwe-LIVU

Ixabiso lonyango lomhlaza we-LIVURAR iyahluka ngokumangalisayo kuxhomekeka kwizinto ezahlukeneyo. Oku kubandakanya inqanaba lomhlaza ekufumaneni isifo, isicwangciso esithile sonyango (utyando, i-chemotherapy, i-radiation, indawo ekujoliswe kuyo kunye ne-inshurensi ye-inshurensi. Akukho ndleko iphakathi, njengeendleko zomntu ngamnye zinokusukela kumashumi amawaka ukuya kumakhulu amawaka eedola. Kubalulekile ukukhumbula ukuba iindleko akufuneki ukuba ziqwalaselwe kuphela; Umgangatho wokhathalelo kunye nobuchule beqela lezonyango. Ukufuna uluvo lwesibini luhlala lucetyiswa.

Izinto ezichaphazela iindleko zonyango

Izinto ezininzi eziphambili zefuthe kakhulu kwixabiso elipheleleyo: Inqanaba lomhlaza: Inqanaba lokuqala lomhlaza elithathayo lifuna ukuba nexabiso elincinci kwaye ngenxa yoko inyango elibi kakhulu kwesifo senqanaba eliphezulu. Uhlengahlengiso lonyango: Uqhaqho ngokubanzi lubiza kakhulu kune-radiation okanye i-chemotherapy, kodwa iindleko zexesha elide zingahluka. Unyango olujolise kumnqweno kunye nemmunotherapy, ngelixa isebenza kakhulu, ihlala ingena nethegi yexabiso eliphezulu. Indawo yesibhedlele: Iindleko ziyahluka kakhulu kwindawo yejografi, kunye nezibhedlele kumaziko asezidolophini zihlala zityhola ngaphezulu kwezasemaphandleni. Ukugubungela i-Inshurensi: Ubungakanani beinshurensi yakho yokugubungela kuya kuyichaphazela kakhulu indleko zakho zepokotho. Kubalulekile ukuba uqonde iinkcukacha zomgaqo-nkqubo kunye nento egutyungelweyo. Ubude bonyango: Unyango lungahlala kwiinyanga ezininzi okanye iminyaka, luphembelela iindleko zonke. Isidingo senkathalo eqhubekayo kunye nokulandela ukhathalelo longeza kwinkcitho iyonke.

Ukufumana unyango olufikelelekayo lomhlaza

Ngelixa ukubeka phambili ukhathalelo lomgangatho kubalulekile, ukufumana iindlela zokulawula iindleko zonyango kubaluleke kakhulu. Izicwangciso ezininzi zinokunceda:

Iinkqubo zoncedo lwezezimali

Izibhedlele ezininzi kunye nemibutho eshukumayo ibonelela ngeenkqubo zoncedo lwezezimali kwizigulana ezisokola ngendleko eziphezulu zonyango lomhlaza. Ezi nkqubo zinokubonelela ngeenkxaso-mali, inkxaso-mali, okanye izicwangciso zokuhlawula zokwenza unyango lubefikeleleke ngakumbi. Ukuphanda nokufaka isicelo kwezi nkqubo kubalulekile. Unokujonga kwakhona ukunxibelelana nesebe lezezisibhedlele lezezisibhedlele.

Ukuxoxa ngezibhedlele kunye neenkampani zeinshurensi

Kuyenzeka ukuba thethane thethane iindleko zonyango ngezibhedlele nakwiinkampani zeinshurensi. Ukuqokelela onke amaxwebhu ayimfuneko kunye nokuqonda umgaqo-nkqubo wakho weinshurensi uya kunceda ngokugqibeleleyo le nkqubo. Amasebe etyalalili ahlala eguquguquka kwizicwangciso zokuhlawula kwaye unokuzimisela ukusebenza nezigulana ezijongene nobunzima bezemali. Ngokufanayo, ukuxoxisana nomnikezeli wakho weinshurensi kunokuveza ukhetho olongezelelekileyo.

Ukujonga ngendlela eyahlukileyo yonyango

Ixabiso lonyango lingahluka ngokuxhomekeka ekumiseleni. Ngelixa amaziko ohlaza awodwa ekhethekileyo ahlala enikela ngononophelo oluphambili, izibhedlele zabahlali unokubonelela ngeendlela ezifikelelekileyo ngakumbi ngaphandle komgangatho ophantsi. Ukuphanda izibhedlele ezahlukeneyo kwaye uthelekise iindleko kunye neenkonzo zibalulekile.

Izixhobo zokufumana ukhathalelo olufikelelekayo

Izixhobo ezininzi zinokunceda ekufumaneni kwakhona Ixabiso eliphantsi lexabiso lezibhedlele zomhlaza: IZiko leSizwe leSizwe (i-NCI): IWebhusayithi ye-NCI) ​​inika ulwazi olubanzi kunyango lomhlaza i-LIngs, kubandakanya nezixhobo zokufumana uncedo lwemali. https: //www.cancer.gov/ Umbutho woMhlaza waseMelika (ACs): Ii-ACs zibonelela ngezixhobo kunye nenkxaso kwizigulana zomhlaza, kubandakanya ulwazi kwiinkqubo zoncedo lwezezimali. https://www.cancer.org/ Iziseko ze-Enderete Izigulana: Le mibutho inokunceda ukuhamba kwinkqubo yezempilo kunye neGqwetha lamalungelo abaguli, kubandakanya noncedo lwezezimali.

Uhlalutyo lweendleko zothelekiso (umzekelo wezemifanekiso)

Le theyibhile ilandelayo inika ukuthelekiswa okulula, ukubonisa ukuba kukho umahluko weendleko onokubakho. Nceda uqaphele ukuba la manani abenzela imizekeliso kuphela kwaye akufuneki ukuba ithathwe njengenyani. Okwenziweyo iindleko ziya kwahluka ngokusekwe kwimeko ezazikhankanywe ngaphambili.

Unyango	Uluhlu lweendleko eziqikelelweyo (i-USD)
Utyando (inqanaba lokuqala)	$ 50,000 - $ 150,000
I-chemotherapy (inqanaba eliphezulu)	$ 80,000-$ 250,000
I-Immunotherapy (inqanaba eliphezulu)	$ 100,000 - $ 300,000 +

Khumbula ukubonisana nomboneleli wakho wezempilo kunye noMcebisi wezeMali ukuphuhlisa isicwangciso esibanzi esibonisa iimfuno zakho zonyango kunye neenkxalabo zezemali. Unyango olukhethekileyo nonyango olukhethekileyo, cinga ngokujonga izibhedlele ezinobuchule obukhoyo kubungcali bawo kunyango lomhlaza we-LIngs, njenge IZiko loPhando lweShandong Baeo. Ukuzinikela kwabo ekuboneleleni ngononophelo oluphezulu kufuneka lube yinto ephambili kwinkqubo yakho yokwenza izigqibo.