Inqanaba lonyango lweendleko ezi-4

Ukuqonda iindleko zenqanaba le-4 Inqaku leNqaku leCatshi inqaku linika isishwankathelo esibanzi sezinto zemali ze Inqanaba lonyango lweendleko ezi-4, Ukuphonononga iindlela ezahlukeneyo zonyango, iindleko ezinxulumene nazo, kunye nezixhobo ezikhoyo ukunceda ukulawula ezi ndleko. Siza kuhlolisisa i-Inshurensi, iinkqubo zoncedo lwezezimali, kunye nezicwangciso zokuhamba ubunzima benkxaso mali yempilo ngeli xesha lomngeni.

Ukuqonda iindleko ezahlukeneyo zenqanaba le-4

I-MALUNGISELELO YOLAWULO NAKWIINGOZI ZABO

Ixabiso le Inqanaba lonyango 4 Umhlaza webele iyahluka ngokuxhomekeke kwisicwangciso sonyango. Esi sicwangciso sidluliselwe kwizinto ezininzi kubandakanya uhlobo kunye nenqanaba lomhlaza webele, impilo yesigulana, kunye nokuphendula kunyango kwangaphambili. Unyango oluqhelekileyo luquka i-chemotherapy, unyango olujolise kwi-hormone, i-honotherapy, i-radiation yonyango, kunye notyando (kwezinye iimeko). Intlalo nganye ithwala iindleko zayo, ichukunyiswe zizinto ezinje ngohlobo kunye nodidi lwamayeza, rhoqo lonyango, kunye nexesha lonyango. Umzekelo, unyango olujoliso luhlala lubiza kakhulu kune-chemotherapy yesiqhelo. Isidingo sononophelo oluxhasayo, njengabaphathi bentlungu okanye ukhathalelo lwexhoba, liya kuba nefuthe leendleko. Uqikelelo lweendleko oluchanekileyo lufuna ukubonisana ne-Oncologist yakho kunye neqela lezempilo.

Izinto ezichaphazela iindleko ngokubanzi

Izinto ezininzi ezingaphaya konyango olukhethiweyo olufanelekileyo Inqanaba lonyango lweendleko ezi-4. Oku kubandakanya: Ukuhamba rhoqo kunye nexesha lonyango: Iindlela eziphezulu okanye ngaphezulu kwezonyango ziyanyusa iindleko zizonke. Iindleko zokunyathela esibhedlele: ukuhlala esibhedlele kunyango, iingxaki, okanye ukhathalelo oluxhasayo luyongeza iindleko ezinkulu. Iindleko zamayeza: Iindleko zamayeza zingahluka kakhulu kuxhomekeke kuhlobo lwechiza kunye nedosi efunekayo. Iindleko zokuhamba: Kwabo bafuna ukuhamba ukuya kumaziko onyango ezizodwa, iindleko zokuhamba kunye neendawo zokuhlala ziyinto ebalulekileyo. Unonophelo lwenkxaso: Iindleko ezinxulumene nokulawulwa kweziphumo ebezingalindelekanga, ulawulo lweentlungu, kunye nezinye iinkonzo zokuxhasa ezongezwayo kwiindleko zonke.

Ukuhamba ngemiceli mngeni yezemali

I-inshurensi yokugubungela kunye neendleko zepokotho

I-Inshurensi yezeMpilo idlala indima ebalulekileyo ekugubungele Inqanaba lonyango lweendleko ezi-4. Nangona kunjalo, ne-inshurensi, abaguli bahlala bejamelana neendleko eziphezulu zepokotho, kubandakanya ukungafuduki, i-co-Pays, i-Inshurensi. Ukuqonda umgaqo-nkqubo wakho weinshurensi ngokucokisekileyo. Kubalulekile ukuba uqhagamshelane nomnikezeli wakho weinshurensi ukuze uqonde iinkcukacha zakho zokugubungela ngokungqalileyo ezinxulumene nonyango lomhlaza.

Iinkqubo zoncedo lwezezimali

Imibutho eliqela ibonelela ngeenkqubo zoncedo lwezezimali ukunceda abaguli balawula iindleko zonyango lomhlaza. Ezi nkqubo zinokubonelela ngezibonelelo, inkxaso-mali, okanye uncedo lokuhlawula. Eminye imizekelo ibandakanya isiseko se-Encentrations, uMgcini woMhlaza waseMelika, kunye nombutho obhalelweyo. Kufanelekile ukuqhuba kwaye ufaka isicelo kwezi nkqubo ukukhangela ukukhululeka kwemali. Izibhedlele ezininzi zikwanazo iinkqubo zabo zoncedo lwezezimali, zihlala zisebenza nezigulana kwizicwangciso zokuhlawula. Cinga ngokubuza ngeSebe loNcedo lweMali kwiziko lakho lonyango.

Izicwangciso zokulawula iindleko

Ukulawula umthwalo wemali we Inqanaba lonyango lweendleko ezi-4 ifuna ukucwangcisa ngononophelo kunye nobuchule. Nazi ezinye iindlela: uhlahlo-lwabiwo mali oluneenkcukacha: Yenza uhlahlo-lwabiwo mali olubonisa ngokuchanekileyo yonke ingeniso kunye neenkcitho, kubandakanya neendleko zonyango. Ukuxoxisana nababoneleli: Ukuphonononga iinketho zokuxoxa ngezicwangciso zokuhlawula okanye izaphulelo nabanikezeli bezempilo. Sebenzisa iNkxaso yeNtlalontle: Ungathandabuzi ukufikelela kwintsapho, izihlobo, kunye namaqela enkxaso kuncedo lwemvakalelo noluncedo lwezemali. Ukuhlola iimvavanyo zeklinikhi: Ukuthatha inxaxheba kwizilingo zeklinikhi kunokubonelela ngokufikelela kunyango ngokunciphisa okanye akukho ndleko.

Uhlobo lonyango	Uluhlu lweendleko zexabiso (i-USD)
I-chemotherapy (umjikelo ngamnye)	$ 500 - $ 10,000 +
Unyango olujolise kwinyanga (ngenyanga)	$ 4,000 - $ 15,000 +
Immunotherapy (ngenyanga)	$ 10,000-$ 20,000 +
Unyango lwe-radiation (ngeseshoni nganye)	$ 200 - $ 500 +

Qaphela: Iindidi zeendleko ziqikelelo kwaye zahluka ngokusekwe kwizinto ezithile. Nxibelelana nomnikezeli wakho wezempilo ngolwazi oluchanekileyo.

Ukufuna inkxaso kunye nolwazi oluthe kratya

Ukujamelana nokufumanisa umhlaza we-4 webele ngokungathandabuzekiyo umngeni, zombini ngokweemvakalelo nangokwasemthethweni nangokwezezimali. Khumbula ukuba awuwedwa. Izibonelelo ezininzi zinokubonelela ngenkxaso kunye nesikhokelo ngeli xesha. I Umbutho woMhlaza waseMelika inika ulwazi olubanzi ngonyango lomhlaza kunye neenkonzo zenkxaso. Ukunxibelelana namaqela enkxaso kunye nemibutho eqingqiweyo yesigulana inokubonelela ngenkxaso ebalulekileyo yeemvakalelo kunye neengcebiso ezisebenzayo. Ngoncedo lwezezimali, hlola izibonelelo ezikhankanywe ngaphambili. I IZiko loPhando lweShandong Baeo Ikwanika ukhathalelo olubanzi kwaye linokubonelela ngezixhobo ezongezelelweyo zezigulana. Unxibelelwano oluvulekileyo neqela lakho lezempilo kubalulekile ekusombululeni zombini iinkxalabo zonyango nezemali. Ukuqonda iindleko ezinokubakho okubandakanyekileyo kuvumela ucwangciso olusebenzayo kwaye luqinisekisa ukuba ungagxila ekufumaneni olona nyango lwezemfundo kuphela kwaye alunakuthathwa njengengcebiso yempilo.)