Ukuqonda nokulawula iindleko zonyango lwezifo zezintso

Eli nqaku libonelela ngesishwankathelo esibanzi semithwalo yezemali enxulumene nonyango lwezintso kwaye iphonononge amacebo okubambisa ezi ndleko. Sinenza kwindlela eyahlukeneyo yonyango, i-inshurensi yokugubungela, iinkqubo zoncedo lwezezimali, kunye nokulungiswa kwendlela yokuphila enokunceda ukunciphisa iindleko. Funda indlela yokuhamba ubunzima be Ixabiso lesifo sezintso nokufikelela ukhathalelo olufikelelekayo.

Ukuqonda iindleko zonyango lwezifo zezin

Ukuxilongwa kunye novavanyo lokuqala

Iindleko zokuqala zokuchonga isifo sezintso zingahluka ngokuxhomekeka kuvavanyo olufunekayo. Oku kunokubandakanya uvavanyo lwegazi, iimvavanyo zomchamo, kunye nezifundo ezibonakalayo ezinjenge-ultrasounds. Ixabiso lezi vavanyo linokungaphezulu, ichukunyiswe zizinto ezinje ngokugubungela i-inshurensi yakho kunye nezixhobo ezithile ezisetyenzisiweyo. Izicwangciso ezininzi zeinshurensi zigubungela inxenye yeendleko zokuxilonga, kodwa iindleko zepokotho zinokwenzeka.

Izinketho zonyango kunye neendleko zazo ezinxulumene nazo

Izifo zokunyanga izifo zezintsomi zoKhetho ukusuka kuLawulo loLondolozo lweDayisis kunye nokuTshintshela kweZintso. Iindleko ezinxulumene nenqanaba ngalinye elahlukileyo kakhulu. Ulawulo olulondolozo lubandakanya ukuphatha iimpawu kunye nokuqhubela phambili kwesifo ngokusebenzisa utshintsho lwendlela yokuphila kunye namayeza. Oku kuqhutywa iziphumo kwiindleko eziphantsi kakhulu kodwa zinokuqokelela ekuhambeni kwexesha. I-dielysis, kwelinye icala, kukungalawulwa kwexesha elide kakhulu. Ixabiso le-dialysis liyahluka kudidi (i-hemodialysis okanye i-veratississis), rhoqo, kunye nendawo yonyango. Ukuhanjiswa kwezintso, nangona kubiza ixabiso eliphezulu, kunokubakho ngaphezulu kwendleko kwithuba elide xa kuthelekiswa ne-dialylong. Iindleko ezibandakanya utyando, esibhedlele, amayeza ka-Itrookosuprestant, kunye noKhathalelo lwasemva kwentsebenzo. Izinto ezininzi, kubandakanya nemfuno yamayeza achasene nokuchasana, inokwenza ifuthe kwixesha elide Ixabiso lesifo sezintso.

Iindleko zamayeza

Amayeza adlala indima ebalulekileyo ekulawuleni isifo sezintso, ehlala enefuthe elipheleleyo Ixabiso lesifo sezintso. La mayeza anokubandakanya amayeza oxinzelelo lwegazi, i-phosphate ye-phosphate, kunye neearhente ezivuselelayo. Iindleko zolu mayeza ziyahluka ngokuxhomekeke kwiziyobisi ezithile ezimiselweyo kunye neinshurensi yakho. Iinketho eziqhelekileyo zihlala zifumaneka kwaye zinokuba yixabiso eliphantsi kunezinye iindlela zegama.

Izicwangciso zokulawula iindleko zesifo sezintso

I-Inshurensi yeinshurensi

Ukuqonda ukugubungela i-Inshurensi yakho ibalulekile. Phonononga umgaqo-nkqubo wakho ngononophelo ukuze ubone ukuba leliphi ipesenti yonyango ixabisa i-inshurensi yakho. Buza malunga ne-Co-Pays yakho, ukuthambisa, kunye nokuphuma kwepokotho yepokotho. I-Medicare kunye ne-Medicaid zibonelela ngonyango lwezintso ezininzi, nangona izibonelelo ezithile ziyahluka. Ukuphonononga iinketho zeinshurensi zongezinzelo kunokuba luncedo ukunciphisa iindleko zepokotho.

Iinkqubo zoncedo lwezezimali

Imibutho eliqela ibonelela ngeenkqubo zoncedo lwezezimali kubaguli abasokola kwiindleko eziphezulu zonyango lwezifo zezintso. Ezi nkqubo zinokubonelela ngeenkxaso-mali, iinkxaso-mali, okanye uncedo lokuhlawula. Ezinye iinkampani zamayeza zibonelela ngeenkqubo zoncedo zoguli ukunceda izigulana zikwazi ukufumana amayeza abo. Kubalulekile ukuba uphando kwaye ufake isicelo sale nkqubo kwangoko.

Uhlengahlengiso lwendlela yokuphila

Ukwamkela indlela yokuphila esempilweni inokuba negalelo kulawulo lwezifo ezingcono kwaye lunciphise iindleko ezithile zonyango. Oku kubandakanya ukulandela ukutya okuhlobo kwezintso, ukugcina ubunzima obusempilweni, kunye nokulawula uxinzelelo lwegazi kunye neswekile. La manyathelo othintelo anokunceda ukulibazisa okanye ukunciphisa isidingo sonyango olunokuba luncedo nonyango.

Iindleko zokuthelekisa zonyango lwezifo zezintso

Qaphela: Oku kulinganiselwa okuphakathi kwaye iindleko zexabiso zinokwahluka kakhulu kwiimeko zomntu, indawo yendawo, kunye neinshurensi. Nxibelelana nomboneleli wakho wezempilo kunye nenkampani yeinshurensi ye uqikelelo lweendleko ezichanekileyo.

Ngolwazi oluthe kratya ngeZifo zeZintso kunye neNkxaso, unokunqwenela ukunxibelelana nengcali kwi IZiko loPhando lweShandong Baeo.

Iphepha elichazayo: Eli nqaku lenzelwe ulwazi kuphela kwaye alinzi ngcebiso kwezonyango. Soloko unxibelelana nengcali yezempilo efanelekileyo kuyo nayiphi na inkxalabo yezempilo okanye ngaphambi kokwenza naziphi na izigqibo ezinxulumene nempilo yakho okanye unyango.