Ukuqonda iindleko zonyango lwe-Silr

Esi sikhokelo sibanzi sibonisa izinto ezahlukeneyo eziphembelela iindleko zonyango lweSibindi, zikunceda uhambise imiba yemali yesi sifo sinzima. Siza kuhlolisisa iindlela ezahlukeneyo zonyango, iindleko ezinokubakho zepokotho, kunye nezixhobo ezikhoyo zokuncedisa kwiindleko. Khumbula, ukufuna ingcebiso yezonyango kubalulekile kwizicwangciso zonyango kunye noqikelelo lweendleko ezichanekileyo.

Izinto ezichaphazela iindleko zonyango lwe-Silr

Uhlobo lonyango

Ixabiso le Ixabiso eliphantsi kwiindleko zeSibindi Unyango luyahluka ngokuxhomekeka kwindlela ekhethiweyo. Utyando, i-chemotherapy, unyango lwe-radiation, unyango olujolise kulo, kwaye u-Nomunotherapy onke unamanqaku ahlukeneyo amaxabiso. Inkqubo yoqhaqho, umzekelo, idla ngokubandakanya iindleko eziphezulu eziphakamileyo xa kuthelekiswa nokhetho oluhlaselweyo oluncinci. Inqanaba lomhlaza linendima ebalulekileyo; Ukufunyanwa kwangaphambili kunye nonyango kuhlala kukhokelela kwiindleko ezisezantsi. Ukuqonda okuneenkcukacha ngeendleko ezinxulumene nohlobo ngalunye lonyango, kuyacetyiswa ukuba inxibelelane nomnikezeli wakho wezempilo kwaye ufumane iikowuti ezazikhethelela.

Inqanaba lomhlaza

Inqanaba apho umhlaza wesibindi ufunyaniswa unefuthe kakhulu kwiindleko zonyango. Inqanaba lenqanaba lokuqala linokunyanga zinokunyanga neenkqubo ezincinci kakhulu, ezikhokelela kwiindleko ezisezantsi. Inqanaba lenqanaba eliphezulu Ukufunyanwa kwangoko ngokuhlolwa rhoqo kubalulekile kungekuphela nje kwiziphumo zonyango kuphela kodwa kunye nokuthomalalisa umthwalo wezezimali wezemali kwaye unyango olubanzi.

Indawo noMboneleli wezeMpilo

Indawo yendawo kunye nomnikezeli wokhathalelo lwempilo oyikhethileyo uya kuchaphazela kakhulu iindleko zonyango. Iindleko zinokwahluka ngokubanzi kuxhomekeka kwingingqi kunye nodumo lwendawo. Kubalulekile ukubuza malunga nezakhiwo zamaxabiso kunye ne-inshurensi evela kubaboneleli abaninzi ukwenza izigqibo ezinolwazi. Amanye amaziko, njenge IZiko loPhando lweShandong Baeo, banokunikezela ngeenkqubo ezizodwa okanye iindlela zoncedo lwezezimali ezinokuthi zichaphazele kakhulu iindleko zokugqibela.

I-Inshurensi yeinshurensi

Isicwangciso sakho se-inshurensi sezempilo idlala indima ebalulekileyo ekuqinisekiseni iindleko zakho zepokotho. Ukuqonda ukugubungela kwakho kunyango lomhlaza wesibindi kubalulekile. Izinto ezifana nokuthathwa kweSicwangciso sakho, i-Co-Pays, kunye ne-Inshurensi ye-Co-iya kuyichaphazela ngokuthe ngqo iindleko zakho. Kubalulekile ukuphonononga ngokucokisekileyo umgaqo-nkqubo wakho kwaye uqhagamshelane nomnikezeli wakho weinshurensi ukucacisa ukufikeleleka kwakho kwiinkqubo ezithile kunye namayeza.

Iindleko ezongezelelweyo

Ngaphandle kweendleko zonyango ngqo, cinga ngeenkcitho ezongezelelweyo ezinjengokuhamba, indawo yokuhlala, amayeza, kunye nokuqeshwa okulandelayo. Ezi ndleko zongezelelo zinokongeza kakhulu, ngakumbi kwizigulana ezifuna unyango lwexesha elide okanye ukuhlala kude kumaziko onyango. Ukucwangciswa kwezi ndleko zongezelelweyo kubalulekile kulawulo lwezemali olusebenzayo ngexesha lonyango.

Izixhobo zokulawula iindleko zonyango lwe-Silr

Izixhobo ezininzi zinokunceda ukulawula umthwalo wezemali wonyango lomhlaza wesibindi. Oku kubandakanya:

• Iinkqubo zoncedo lwezezimali ezibonelelwa zizibhedlele nakumaziko amathalo: Izibhedlele ezininzi zinikezela ngoncedo lwezezimali okanye intlawulo yokuhlawula ukunciphisa umthwalo weendleko kwizigulana.
• Amaqela obume bobudala: Imibutho efana noMbutho woMhlaza waseMelika ubonelela ngolwazi kunye nenkxaso, kubandakanya nezixhobo zemali.
• Iinkqubo zikarhulumente: Phanda ukufaneleka kweenkqubo zempilo ezixhaswe ngurhulumente njengeMedicare kunye neMedicaid.
• Iziseko eziphethayo: Iziseko ezininzi zesisa zibonelela ngoncedo lwezezimali kwizigulana zomhlaza.

Ukufumana uncedo kunye nolwazi oluthe kratya

Ukuhambahamba kweendleko ezinxulumene ne Ixabiso eliphantsi kwiindleko zeSibindi Unyango lunokuba ngumngeni. Khumbula ukuphinda uphanda ngokupheleleyo ukhetho lwakho, buza imibuzo yababoneleli bakho bezempilo, kwaye uphonononge izixhobo ezichazwe apha ngasentla. Ukucwangciswa kwangethuba kunye nonxibelelwano olusebenzayo kubalulekile ekuqinisekiseni ukuba ufumana unyango olungcono ngelixa ulawula imiba yemali yonyango lwakho ngokufanelekileyo. Ngolwazi oluthe kratya okanye ukuxoxa ngenkxalabo ethile malunga neendleko zonyango kunye neenketho zenkxaso ezikhoyo, nceda ufikelele kumnikezeli wakho wezempilo okanye iqela letyala elifanelekileyo. Ngaphambili ufunela ukucaciselwa, kuya kuba kukhethe ngcono ukuba wenze izigqibo ezizinzileyo zemali okhethekayo zezempilo ekufuneka uzenzile.

QAPHELA: Iindidi zeendleko ziqikelelo kwaye zinokwahluka kakhulu kwiimeko zomntu ngamnye. Nxibelelana nomnikezeli wakho wezempilo ngolwazi oluchanekileyo.