Ixabiso lomhlaseli womhlaza we-LIG kufutshane nam

Ixabiso lomhlaza we-Lings Unyango lomhlaza we-LIng kubalulekile ukuba sicwangciswe ngokufanelekileyo kunye nokwenza izigqibo. Esi sikhokelo sinika isishwankathelo esibanzi seendleko ezinxulumene neentlobo ezahlukeneyo Unyango lomhlaza we-LIng IZIPHUMO Siza kuphonononga izinto ezinemiphetho, ukugubungela i-inshurensi enokubakho, kunye nezixhobo zokukunceda ufumane ukhathalelo olunokufikeleleka kuwe.

Izinto ezichaphazela indleko zonyango lwe-Lungs

Uhlobo lonyango

Ixabiso le Unyango lomhlaza we-LIng yahluka ngokuxhomekeke kuhlobo oluthile lonyango olufunyenweyo. Utyando, umzekelo, lubandakanya iindleko eziphezulu eziphambili xa kuthelekiswa ne-chemotherapy okanye i-radiation parapy. Unyango olujolise kunyango kunye nemmunotherapy, ngelixa isebenza kakhulu kwiindidi ezithile zomhlaza wemiphunga, zinokubiza kakhulu. Ubungakanani bo utyando (E.G., i-lobectomy vs. pneumonectomy) iya kubandakanya nefuthe elikhulu kakhulu leendleko.

Inqanaba lomhlaza

Inqanaba lomhlaza ekufumaneni ifuthe kakhulu indleko zeendleko zonyango. Inqanaba lokuqala lemiphunga linokufuna unyango olubanzi, olukhokelela kwiindleko eziphantsi xa kuthelekiswa nomhlaza wenqanaba eliphezulu, olunokuthi lube yingqungquthela yonyango, olunokubandakanya utyando, i-chemotherapy, imitha, kunye nonyango.

Indawo kunye nesibhedlele

Indawo kunye nokukhetha esibhedlele okanye eklinikhi inefuthe ngqo kwixabiso le Unyango lomhlaza we-LIng. Iindleko ziyahluka ngokubanzi ngokuxhomekeka kwingingqi kunye nesakhiwo esithile soMboneleli wezeMpilo. Izibhedlele kwiindawo ezisezidolophini zihlala zineendleko eziphezulu ngaphezulu, ezinokubangelwa kwimirhumo ephezulu yonyango. Kucetyiswa ukuthelekisa amaxabiso kubaboneleli abahlukeneyo kwindawo yakho ekufutshane.

Ubude bonyango

Ixesha lonyango lidlala indima ebalulekileyo kwiindleko zonke. Unyango oluthile, njengoChemotherapy, lunokubandakanya imijikelezo emininzi, ukwandisa ixesha lonyango kunye neendleko ezinxulumene noko. Ubunzima betyala kwaye impendulo yesigulana kunyango inokuba nefuthe kubude bekhosi yonyango.

Ukuqonda i-Inshurensi yokuPhumla koMhlaza womhlaza

Uninzi lwezicwangciso zeinshurensi yezeMpilo zigubungela ezinye iinkalo ze Unyango lomhlaza we-LIng. Nangona kunjalo, ubungakanani bokugubungela bungahluka kakhulu kuxhomekeka kwisicwangciso sakho kunye nohlobo lonyango olufunyenweyo. Kubalulekile ukuqondakala izibonelelo zakho zomgaqo-nkqubo, kubandakanya ukungafuduki, i-co-Pays, kunye ne-pocket ephezulu. Phonononga umgaqo-nkqubo wakho ngononophelo, okanye uqhagamshelane nomnikezeli wakho weinshurensi ngqo ukuze uqonde isisombululo esithile semeko yakho. Unokufuna ukubonelela ngegunya laphambi konyango oluthile.

Uncedo loNcedo lwezeziMali loNyango loChanda woMhlaza

Ukuhamba umthwalo wemali we Unyango lomhlaza we-LIng inokuba nzima. Izibonelelo ezininzi zinokubonelela ngoncedo lwezezimali kwizigulana nakwiintsapho zabo.

Iinkqubo zoNcedo lweZigulana (i-PAPS)

Uninzi lweenkampani zamayeza zibonelela nge-PAPS ukunceda izigulana zikwazi ukufumana amayeza abo. Ezi nkqubo zihlala zibonelela ngamayeza akhululekileyo okanye aphungululweyo kwabo bahlangabezana neemfuno ezithile ezilungiselelwe umrhumo. Jonga ngomenzi wamayeza akho amiselweyo kwiinkcukacha ezithe kratya kwi-PAP yazo.

Imibutho eokhokho

Imibutho eliqela yesisa inika uncedo lwemali kwizigulana zomhlaza. Umbutho woMhlaza waseMelika, umzekelo, unikezela uluhlu lweenkqubo zenkxaso, kubandakanya noncedo lwezezimali, uncedo lokuhamba, kunye nokufakwa kwezigulana eziphantsi konyango. Uphando lwasekhaya kunye nezizwe zelizwe ezijolise ekwenzeni abaguli bomhlaza.

Ukufumana unyango olufikelelekayo lomhlaza okufutshane nawe

Ukufumana ifikelelekayo Unyango lomhlaza we-LIng Izinketho kufutshane nawe, qwalasela oku kulandelayo: Thelekisa amaxabiso: Fumana iikowuteshini kubaboneleli bezempilo abaninzi kwindawo yakho yokuthelekisa amaxabiso okhetho ezahlukeneyo. Ukuxoxa ngamaxabiso: Ezinye izibhedlele kunye neeklinikhi zinokuzimisela ukuxoxa ngamaxabiso, ngakumbi kwizigulana ezinezixhobo ezifanelekileyo zemali. Jonga iimvavanyo zeklinikhi: Ukuthatha inxaxheba kwizilingo zeklinikhi kunokubonelela ngonyango oluphambili kwixabiso elincitshisiweyo. Funa inkxaso kubasebenzi bezentlalo: Izibhedlele kunye neeklinikhi zihlala zinceda abantu abaguli bezemali, kwaye benokukukhokelela kwiqela lakho lezempilo. Ukufumana ezinye izixhobo kunye nolwazi, cinga ngokunxibelelana no IZiko loPhando lweShandong Baeo ngononophelo olukhethekileyo kunye nenkxaso.

Itheyibhile yothelekiso lweendleko (umzekelo esibonisa)

Uhlobo lonyango	Uluhlu lweendleko eziqikelelweyo (i-USD)
Utyando (i-lobectomy)	$ 50,000 - $ 150,000
I-chemotherapy (imijikelezo emininzi)	$ 10,000-$ 40,000
Unyango lwe-radiation	$ 5,000 - $ 20,000
Unyango olujolise kunyango	$ 10,000-$ 50,000 + ngonyaka

Qaphela: Iindidi zeendleko ziqikelelo kwaye zinokwahluka ngokuxhomekeke kwizinto ezahlukeneyo. Soloko ujongane nomboneleli wakho wezempilo kulwazi oluziindleko. Kubalulekile ukuba unxibelelane nomnikezeli wakho wezempilo ngayo nayiphi na inkxalabo yezempilo okanye ngaphambi kokwenza naziphi na izigqibo ezinxulumene nempilo yakho okanye unyango. Uqikelelo lweendleko olunikiweyo lubalulekile kwaye lungahluka kakhulu kuxhomekeka kwizinto ezahlukeneyo.