Eli nqaku linika isishwankathelo esibanzi seendleko ezinxulumene nenqanaba le-2A Lungs, ukuhlola iindlela ezahlukeneyo zonyango kunye nezinto ezaneleyo zokunyanga kunye nezinto ezibangela inkcitho ngokubanzi. Siza kusebenza kwimithwalo yemali enokubakho, izixhobo zokuncedisa, kunye nezicwangciso zokuhambahamba kwezinto ezinzima ze Ixabiso eliphantsi le-2A LIng Lang. Esi sikhokelo sijolise ekuxhobiseni ngolwazi olufunekayo ukwenza izigqibo ezinolwazi ngohambo lwakho lwezempilo.
Ixabiso le Ixabiso eliphantsi le-2A LIng Lang iyahluka ngokuxhomekeka kwindlela ekhethiweyo. Unyango oluqhelekileyo luquka utyando (E.G., i-lobectomy, pneumonectomy), i-chemotherapy, i-radiation uthohlo, i-radiation yonyango, kunye nonyango. Iinkqubo zotyando zithwala iindleko eziphezulu kunolunye unyango, ngelixa i-chemotherapy kunye ne-radiation yonyango zihlala zibandakanya iindleko eziqhubekayo zamayeza kunye nokuqeshwa. Unyango olujolise kulungelelwaniso, ngelixa lusebenza kakhulu, lunokubiza kakhulu. Iindleko ezithile ziya kuxhomekeka kubungakanani bo utyando, ixesha lonyango, kunye nempilo yomntu iyonke.
Ixabiso lonyango lomhlaza lungahluka ngokusekwe ngokubanzi kwimeko yendawo. Iindleko zonyango kwiindawo ezinkulu zedolophu zihlala ziphezulu kuneseto lwasemaphandleni. Isibhedlele esithile okanye iklinikhi ekhethiweyo kunye neempembelelo ezinkulu zexabiso. Abanye ababoneleli bezempilo banokuhlawula ngaphezulu kweenkonzo zabo okanye basebenzise amayeza abiza kakhulu okanye ubuchwepheshe. Ukuphanda ababoneleli abahlukeneyo kunye nezakhiwo zazo zamaxabiso zibalulekile xa ziqwalaselwa Ixabiso eliphantsi le-2A LIng Lang.
I-Inshurensi yezeMpilo ichaphazela kakhulu iindleko zonyango lomhlaza. Ukuqonda ukugubungela isicwangciso sakho se-inshurensi yonyango lomhlaza wemiphunga, kubandakanya ukungafuneki, i-co-Pays, kunye ne-pocket ephezulu, yinto enkulu. Inqanaba lokukhubazeka linokuphembelela kakhulu uxanduva lwakho lwezezimali. Abo bangena-inshurensi ebanzi banokujongana neendleko eziphezulu zepokotho.
Ixesha lokuhamba kunye nokuntsokotha kwesicwangciso sonyango lezinto ezongezelelweyo ezimisela iindleko zizonke. Iinkqubo ezibanzi zoqhaqho, iikhosi ezinde ze-chemotherapy okanye imitha, kunye nemfuno yezinyango ezongezelelweyo ezinjengeendlela ezigxilwe kuzo ziya kwandisa inkcitho yonke. Ixesha lokuvuselela ixesha elide linokufaka igalelo kwiindleko eziphezulu ezingathanga ngqo, ezinjengemivuzo elahlekileyo.
Imibutho emininzi ibonelela ngoncedo lwezezimali kwizigulana zomhlaza ezijongene neebhili eziphezulu zonyango. Ezi nkqubo zinokubonelela ngezibonelelo, inkxaso-mali, okanye uncedo lokuhlawula. Ukuphanda kunye nokusebenzisa kwiinkqubo ezifanelekileyo kunokunciphisa kakhulu imithwalo yezemali. Izibhedlele ezininzi zikwanabasebenzi bezentatheli abanokunceda abaguli balandele inkqubo yokufumana uncedo lwemali.
Ukuxoxisana nabanikezeli bezempilo malunga neebhili zezonyango zihlala zinokwenzeka. Izibhedlele ezininzi kunye neeklinikhi zinamasebe emali amasebe azimisele ukusebenza nezigulana ezenza izicwangciso zokuhlawula ezifikelelekayo. Ungathandabuzi ukufikelela kwaye uxoxe ngeentsilelo zakho zemali. Kubalulekile ukuba uqonde amalungelo akho kunye neenketho zakho kule nkqubo.
Ngolwazi oluthe kratya malunga nomhlaza wemiphunga kunye nokukhethwa konyango, unokufunda imibutho ephindaphindiweyo njengoMbutho woMhlaza waseMelika kunye neZiko loDrali kweSizwe. Le mibutho inika izixhobo ezibanzi kunyango lomhlaza, kubandakanya ulwazi ngeendleko kunye neenkqubo zoncedo lwezezimali.
Ukuze ukhokelwe ngokwakho kunye nokhetho lonyango, cinga ngokudibana ne IZiko loPhando lweShandong Baeo. Banikezela ngobuchule obukhethekileyo kunyango lomhlaza we-Lung.
Uhlobo lonyango | Uluhlu lweendleko eziqikelelweyo (i-USD) |
---|---|
Utyando (i-lobectomy) | $ 50,000 - $ 150,000 |
I-chemotherapy (imijikelezo emininzi) | $ 20,000 - $ 60,000 |
Unyango lwe-radiation | I- $ 10,000-$ 30,000 |
Unyango olujolise kulo (ngonyaka) | $ 100,000 - $ 200,000 + |
Iphepha elichazayo: Le theyibhile yeendleko yenzelwe ukubonisa kuphela kwaye akufuneki ithathwe njengengcebiso yezonyango okanye yezemali. Okwenziweyo iindleko ziya kwahluka ngokusekwe kwizinto ezininzi. Nxibelelana nomboneleli wakho wezempilo kunye nenkampani yeinshurensi yoqikelelo lweendleko ezichanekileyo.
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