Ukuqonda indleko zonyango lwezintso

Eli nqaku libonelela ngamagqabantshintshi ngokubanzi ngeendleko ezinxulumene Umhlaza wonyango kwizintso, ukugubungela izinto ezahlukeneyo ekuphembelela kwixabiso lokugqibela kunye nezixhobo ezikhoyo ukunceda ukuhambisa imiceli mingeni yezemali. Iphonononga iindlela ezahlukeneyo zonyango, iindleko zazo ezinxulumene nazo, kunye neendlela ezinokubakho zoncedo lwezezimali. Siza kuhlolisisa i-inshurensi yokugubungela, inkcitho engaphandle yepokotho, kunye nezicwangciso zolawulo lweendleko.

Izinto ezichaphazela iindleko zonyango lwezintso

Uhlobo lonyango kunye nenqanaba lomhlaza

Ixabiso le Umhlaza wonyango kwizintso Ihluka kakhulu kuxhomekeka kuhlobo lomhlaza wezintso kunye nenqanaba layo ekufumaneni isifo. Inqanaba lenqanaba lokuqala linokufuna unyango olubanzi, ukunciphisa iindleko. Kwelinye icala, inqanaba eliphezulu Uluhlu lokukhetha kunyango ukusuka ekuchitheni uhlaselo oluhlaselayo njengenxalenye ye-Nephrectomy kwiinkqubo ezibanzi ezifana ne-nephrectomy efana ne-genother of theraphies njengokuhlaselwa konyango, okanye i-chemotherapy. Nganye ithwala iprofayili yexabiso elahlukileyo.

Ubude bonyango

Ixesha lonyango oluchaphazela ngqo iindleko zonke. Olunye unyango lunokugqitywa kwisithuba seeveki, ngelixa ezinye zinjenge-chemotherapy okanye i-gonoperapy, zinokwanda kangangeenyanga okanye iminyaka, ziqokelele iindleko ezibalulekileyo ngokuhamba kwexesha. Isidingo sokuqhubeka nokubekwa kweliso kunye nokuqeshwa okulandelayo kokutyunjelwa negalelo kwiindleko zonke.

Indawo kunye nendawo

Indawo kunye nohlobo lwendawo yokhathalelo lwempilo apho unyango lufunyenwe ludlala indima ebalulekileyo ekumiseleni iindleko. Unyango kwiindawo ezinkulu zedolophu enkulu okanye amaziko awodwa omhlaza ahlala eza neendleko eziphezulu kunakwindawo encinci okanye indawo ekhethekileyo. Udumo kunye nobuchule beqela lezonyango zinokuphembelela amaxabiso. Umzekelo, amaziko akhokelayo anje nge IZiko loPhando lweShandong Baeo Inokuba nemirhumo ephezulu kodwa ikwabonelela ngeendlela ezikhethiweyo zonyango kunye nobuchule.

I-Inshurensi yeinshurensi

I-Inshurensi ye-Inshurensi yezeMpilo ichaphazela kakhulu iindleko zepokotho yesigulana. Ubungakanani bokugubungela buxhomekeke kwisicwangciso esithile, imigaqo-nkqubo, kwaye uhlobo lonyango olufunyenweyo. Ukuqonda amaziko akho omgaqo-nkqubo we-inshurensi ngokubhekisele kunyango lomhlaza izintso kubalulekile kulawulo lweendleko. Kubalulekile ukuba uxoxe ngesicwangciso sakho sonyango kunye neendleko ezilindelekileyo ngomnikezeli wakho weinshurensi ngaphambi kokuba zichonge uxanduva lwakho lwezezimali.

Phula iindleko: Ukujonga kufutshane

Ixabiso lilonke le Umhlaza wonyango kwizintso Ibandakanya izinto ezininzi:

Qaphela: Iindidi zeendleko ezinikezelweyo ziqikelelwa kwaye zinokwahluka kakhulu kwiimeko zomntu ngamnye. Soloko unxibelelana nomboneleli wakho wezempilo ngenxa yokuqikelela iindleko ezichanekileyo.

Uncedo lwezezimali kunye nezixhobo

Ukuhambahamba komthwalo wezezimali wempatho yomhlaza yokubaza kunokuba lucelomngeni. Nangona kunjalo, izibonelelo kunye neenkqubo ezininzi zinokubonelela ngoncedo lwezezimali:

• IINKQUBO ZOKUNCEDA IINKQUBO (PAPS): Uninzi lweenkampani zamayeza zibonelela nge-PAPS ukunceda izigulana zikwazi ukufumana amayeza abo.
• Imibutho eSahliweyo: Imibutho eliqela ibonelela ngoncedo lwezezimali lonyango lomhlaza, njengoMbutho woMhlaza waseMelika kunye nesiseko sezintso.
• Iinkqubo zikarhulumente: I-Medicare kunye ne-Medicaid inokuhlawula ezinye okanye zonke iindleko ezinxulumene nonyango lomhlaza wesintso.
• Iqonga lamaTyala: Iqonga elinjenge-gopundeme linokunceda abaguli banyuse imali ngeendleko zabo zonyango.

Kubalulekile ukuba uphando kwaye uphonononge ezi zibonelelo ukunciphisa uxinzelelo lwezezimali Umhlaza wonyango kwizintso.

Iphepha elilahlekileyo: Olu lwazi kuko kubalwazi ngokubanzi kunye neenjongo zolwazi kuphela, kwaye azisebenzi kakuhle. Soloko unxibelelana nengcali yezempilo efanelekileyo kuyo nayiphi na imibuzo onokuba nayo malunga neemeko zonyango okanye unyango. Uqikelelo lweendleko lubalulekile kwaye luyahluka ngokuxhomekeka kwiimeko zabantu.