Ukuqonda izindleko ze-athikili yomdlavuza webele webele kuhlinzeka ngesibukezo esiphelele sezinto ezinethonya ukwelashwa komdlavuza webele, ukukusiza ukuthi uzulazule izici zezezimali zaloluhambo. Sihlola izinketho ezahlukahlukene zokwelashwa, ukumbozwa komshuwalense, nezinsizakusebenza ezitholakalayo zokuphatha izindleko.
Ukubhekana nokuxilongwa komdlavuza webele kukhulu, futhi ukuqonda izindleko ezihambisana nakho kunezela enye isendlalelo sobunzima. Umthwalo wezezimali wokwelashwa komdlavuza webele uhluka kakhulu ngokuya ngezinto eziningana, kufaka phakathi isigaba somdlavuza, uhlobo lokwelashwa oludingekayo, ukumbozwa komshuwalense wakho, nendawo yakho yomshuwalense. Lo mhlahlandlela uhlose ukuhlinzeka ngokucacisa nezinsizakusebenza ukukusiza uzulazule lesi sici esiyinselelo sohambo lwakho.
Isigaba somdlavuza ekutholakaleni sithinta kakhulu izindleko zokwelashwa. Umdlavuza wokuqala wesiteji uvame ukudinga ukwelashwa okuningana okuningana, okuholela ezindlekweni eziphansi. Umdlavuza we-Advanced-Stage, noma kunjalo, ngokuvamile udinga izindlela zokwelapha ezinolaka futhi ezinde, eziholela ezindlekweni eziphakeme kakhulu.
Izindleko zokwelashwa komdlavuza webele ziyehluka kakhulu ngokuya ngezinqubo ezithile kanye nokwelashwa okusetshenzisiwe. Ukwelashwa okujwayelekile kufaka phakathi ukuhlinzwa (i-fumpectomy, i-mastectomy), i-chemothery, ukwelashwa kwemisebe, ukwelashwa kwama-hormone, ukwelashwa okuhlosiwe, nokugomela. Ukwelashwa ngakunye kunezindleko ezihlukile ezihambisana nakho. Isibonelo, izindlela zokwelapha ezihlosiwe, ngenkathi zisebenza kakhulu ezinhlotsheni ezithile zomdlavuza, zingabiza kakhulu kune-chemotherapy yendabuko.
Uhlelo lwakho lomshuwalense wezempilo lubamba iqhaza elibalulekile ekunqumeni izindleko zakho ezingaphandle kwephakethe. Izinga lokumboza liyahlukahluka ngokuya ngokucaciswa kwecebo lakho, kufaka phakathi ama-deductibles, ama-co-pays, kanye nomshuwalense wokubambisana. Kubalulekile ukubuyekeza inqubomgomo yakho ngokucophelela ukuze uqonde izinzuzo kanye nemikhawulo yakho. Ukuqonda ukumbozwa komshuwalense wakho ngaphambi kokuqala ukwelashwa kubalulekile ekuhlelweni kwezezimali. Abahlinzeki abaningi bomshuwalense banikela ngezinsizakusebenza ukusiza ngokuqonda izinzuzo zakho futhi bazulazule inqubo yokukhokha. Ukuxhumana nomnyango wenkonzo wamakhasimende womshuwalense kunganikeza ukucaca.
Izindleko zokwelashwa komdlavuza webele zingahluka kakhulu ngokusekelwe endaweni yendawo. Izindleko zokwelashwa emadolobheni, ngokwesibonelo, ngokuvamile ziphakeme ngenxa yesikhungo esiphakeme nezimali ezikhokhelwayo. Indawo futhi ithinta ukutholakala kwezindlela zokwelapha ezithile nochwepheshe.
Ukubonisa ukwahluka kwezindleko, sizohlola isibonelo se-hypothetical. Ake sibheke izimo ezimbili: Umdlavuza webele wakuqala uphathwe ngokuhlinzwa kanye nemisebe, futhi isigaba esithuthuke kakhulu esidinga ukuhlinzwa, i-chemotherapy, kanye nokwelashwa kwama-hormone. Umehluko wezindleko uzobaluleka. Ithebula elilandelayo linikeza ukubuka konke okujwayelekile (Qaphela: Lezi yizilinganiso kanye nezindleko zangempela zingahluka kakhulu).
Isimo sokwelashwa | Uhla lwezindleko ezilinganisiwe (i-USD) |
---|---|
Isigaba sokuqala: Ukuhlinzwa kanye nemisebe | $ 50,000 - $ 100,000 |
I-Advanced-Stage: Ukuhlinzwa, Chemotherapy & Therapy Hormone | $ 150,000 - $ 300,000 + |
Kubalulekile ukuthintana nomhlinzeki wakho wezokunakekelwa kwempilo kanye nomshuwalense wezindleko eziqondile zilinganisela ngokuqondile esimweni sakho. Lezi zibalo zisondele futhi zisebenzela nje ngemifanekiso.
Izinhlangano eziningi zinikeza izinhlelo zosizo lwezezimali ukusiza iziguli ukuphatha izindleko zokwelashwa komdlavuza webele. Le khasi I-American Cancer Society kanye Isisekelo Sobuntu Sokubeletha Kazwelonke ziyizinsizakusebenza ezinhle kakhulu zolwazi ngosizo lwezezimali, amaqembu okusekelana, kanye nokuxhaswa kweziguli. Ngaphezu kwalokho, izinketho zokuhlola ezinjengezinhlelo zemalimboleko yokubuyiselwa kwemali noma zezokwelapha zinganikeza ukwesekwa okwengeziwe kwezezimali. Khumbula, ukufuna usizo kuwuphawu lwamandla, hhayi ubuthakathaka.
Ukuzulazula izinkambiso zezimali zokwelashwa komdlavuza webele kudinga ukuhlelwa okusebenzayo nokusebenzisa amakhono. Ngokuqonda izici ezahlukahlukene ezithonya izindleko, ukubukeza ukumbozwa komshuwalense wakho, kanye nokuhlola izinhlelo ezitholakalayo zezezimali, ungakwazi ukuphatha kangcono umthwalo wezezimali futhi ugxile empilweni nasenhlalakahleni yakho. Khumbula ukuthintana nethimba lakho lezempilo futhi usebenzise izinsiza ezitholakala kuwe.
Ukuzikhulula: Lolu lwazi lungelolwazi olujwayelekile kanye nezinhloso zolwazi kuphela, futhi alwenzi izeluleko zezokwelapha. Hlala uthintana nomuntu ochwepheshe bezokunakekelwa kwezempilo ofanelekayo kunoma yikuphi ukukhathazeka ngempilo noma ngaphambi kokwenza noma yiziphi izinqumo ezihlobene nempilo noma yokwelashwa kwakho.
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