Esi sikhokelo sibanzi siphonononga imiba yezemali yonyango lwe-cladr, ihambisa iindleko ezinokubakho, izixhobo zokuncedisa kwimali, kunye nezicwangciso zokulawula iindleko. Sivavanya iindlela ezahlukeneyo zokuphathwa ngonyango kunye neendleko zabo ezinxulumene nazo, zibonisa ukubaluleka kokunxibelelana okuvulekileyo nababoneleli bezempilo ukwenza isicwangciso sezemali esibonakalayo.
Indleko zonyango lomhlaza amabele zinokwahluka kakhulu kuxhomekeke kwizinto ezininzi, kubandakanya nenqanaba lomhlaza, uhlobo lonyango olufunekayo, kunye neinshurensi yeinshurensi yomntu. Ukuqonda ezi zinto zinzima kubalulekile ekucwangcisweni kwezemali okusebenzayo. Uninzi lufumanisa ukothusa kokuqala kweendleko ezinokubakho, kwaye esi sikhokelo sijolise ekufezekiseni inkqubo kwaye sinike ubuchule obunamandla.
Unyango lomhlaza webele lubandakanya uluhlu lweenkqubo, ukusuka kwi-utyando kunye ne-chemotherapy ukuya kwi-radiation raphiation kunye nonyango lwehomoni. Ngamnye ukhathalela iindleko zayo. Utyando, umzekelo, lunokubandakanya iinkqubo ezininzi, kubandakanya nee-bimossies, ama-Lumpectomies, iiMastectomies, kunye notyando olwakhayo. I-chemotherapy irejista ihlala ibandakanya imijikelezo emininzi yamachiza, nganye ineendleko zayo. Unyango lwe-radiation lwe-radia lubandakanya iiseshoni ezininzi, kwaye unyango lwehomoni lunokuba kukuzinikela kwexesha elide.
Ixabiso liphela liphenjelelwa zizinto ezininzi. Oku kubandakanya:
Imibutho emininzi inikezela ngoncedo lwezezimali kubantu abajongana neendleko eziphezulu zonyango lomhlaza. Ezi nkqubo zihlala zibonelela ngeenkxaso-mali, iinkxaso-mali, kunye noncedo lokuhlawula. Kubalulekile ukuba uphando kwaye wenze isicelo kuzo zonke iinkqubo ezifanelekileyo. Ezinye izixhobo zokuhlola zibandakanya uluntu lomhlaza waseMelika, isiseko somhlaza wesizwe, kunye nesiseko seXesha eliPhezulu. Soloko ukhangela iikhrayitheriya zokufaneleka kunye nemihla ebekiweyo yezicelo.
Iindlela ezifanelekileyo zolawulo lweendleko zibandakanya:
Ukukhetha unyango kuchaphazela kakhulu iindleko zonke. Umzekelo, ngelixa utyando idla ngokufihlakeleyo, inokunciphisa iindleko zexesha elide xa kuthelekiswa nonyango olufuna imijikelezo emininzi ye-chemotherapy okanye imitha. Ingxoxo ebanzi nengcali ye-Oncologi ibalulekile ekwenzeni izigqibo ezinolwazi ngeziphumo zokulinganisa impilo kunye nokufikeleleka.
Ukufunyanwa kwangoko komhlaza webele akubalulekile kuphela ekuphuculeni iziphumo zonyango kodwa kunye nokunciphisa iindleko. Inqanaba lokuqala Ukuhlolwa rhoqo, ezinjenge-mammograms kunye neemviwo zokuzihlola, kubalulekile ekufumanekeni kwangethuba.
Khumbula, ujongene nesifo somhlaza esinamabele sinokuba ngumngeni ngokweemvakalelo nangokwezezimali. Ukufuna inkxaso evela kubasebenzi bezempilo, usapho, izihlobo, kunye namaqela enkxaso kubalulekile. Ukuqonda iinkalo ezahlukeneyo ze Ixabiso eliphantsi lomhlaza webele kwaye isebenzise izixhobo ezikhoyo zinokunceda ukunciphisa umthwalo wemali onxulumene nonyango.
Uhlobo lonyango | Uluhlu lweendleko zexabiso (i-USD) | Amanqaku |
---|---|---|
Utyando (i-lumpectomy / mastectomy) | $ 10,000-$ 50,000 + | Yahluka ngokusekwe kubunzima kunye nemirhumo yonyango. |
Chemotherapy | $ 5,000 - $ 30,000 + | Kuxhomekeka kwinani lemijikelezo kunye namachiza athile asetyenzisiweyo. |
Unyango lwe-radiation | $ 5,000 - $ 20,000 + | Inani leeseshoni kunye neifidi zeefizi zentlawulo. |
Unyango lwehomoni | I- $ 1,000-$ 10,000 + ngonyaka | Unyango lwexesha elide, iindleko ziyahluka ngokusekwe kwichiza elimiselweyo. |
Iphepha elichazayo: Iindidi zeendleko ezinikezelweyo ziqikelela kwaye zinokwahluka kakhulu kwizimo nganye kunye nendawo. Nxibelelana nomboneleli wakho wezempilo kunye nenkampani yeinshurensi yolwazi oluchanekileyo.
Ngolwazi oluthe kratya ngonyango lomhlaza webele kunye nenkxaso, unokunqwenela ukutyelela IZiko loPhando lweShandong Baeo. Olu lwazi luyinjongo lezemfundo kuphela kwaye akufuneki kuthathelwe ingqalelo icebiso ngonyango. Soloko unxibelelana nengcali yezempilo efanelekileyo kuyo nayiphi na inkxalabo yezempilo.
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