Ukuqonda izindleko zokwelashwa komdlavuza esihlokweni esihamba phambili esibhedlela esihlinzeka ngesibukezo esiphelele sezinto ezinethonya ukwelashwa komdlavuza, okunikeza imininingwane ngezindleko ezingaba khona nezinsizakusebenza ezitholakala ezigulini. Sihlola izinhlobo ezahlukahlukene zokwelashwa, izinketho zomshuwalense, kanye nezinhlelo zosizo lwezezimali. Lolu lwazi luhlose ukusiza abantu nemindeni ukuthi baqonde kangcono izici zezezimali zokunakekelwa komdlavuza.

Ukuqonda izindleko ze Izindleko zesibhedlela somdlavuza

Ukubhekana nokuxilongwa umdlavuza kuyinselele enkulu, kokubili ngokomzwelo nangokwezezimali. Izindleko ze Izindleko zesibhedlela somdlavuza Iyahluka kakhulu ngokuya ngezinto eziningana, okwenza kube lube lube lube lube lube lube lube lube lube lube lube lube lube bucayi ukuqonda izindleko ezingabandakanyekile. Lo mhlahlandlela uhlose ukukhanyisela ngalezi zinto, ukukusiza ukuthi uzulazule isimo sezezimali sokwelashwa komdlavuza.

Izici ezithinta Izindleko zesibhedlela somdlavuza

Uhlobo lomdlavuza nokwelashwa

Uhlobo lomdlavuza kanye nokwelashwa okukhethiwe kuthinta kakhulu izindleko zizonke. Ukwelashwa njengokuhlinzwa, i-chemotherapy, ukwelashwa kwemisebe, ukwelashwa okuhlosiwe, i-immunotherapy, kanye nokufakelwa kwamathambo konke kunezindleko ezahlukahlukene. Ubulukhuni bomdlavuza, isigaba salo, kanye nempilo ngayinye yesiguli nayo inomthelela inani lokwelashwa okudingekayo, ngaleyo ndlela lithinte inani eliphelele Izindleko zesibhedlela somdlavuza.

Ubude bokwelashwa

Isikhathi sokwelashwa siyisichasiso esikhulu sezindleko eziphelele. Amanye amakhansela adinga ukwelashwa kwesikhashana, kanti amanye angadinga ukunakekelwa okuqhubekayo kwezinyanga noma iminyaka. Ukuphuculwa isikhathi eside, kukhuphuka kakhulu Izindleko zesibhedlela somdlavuza.

Indawo yokwelashwa

Indawo yendawo idlala indima ezindlekweni zokwelashwa komdlavuza. Izibhedlela ezisezindaweni zasemadolobheni noma lezo ezinezikhungo ezithuthukile zivame ukuba namacala aphezulu kunalezo ezisezindaweni zasemakhaya. Izindleko zokuhlala endaweni futhi zithinta ngokungaqondile izindleko zeziguli.

Ukumboza umshwalense

Ukusethwa komshuwalense wezempilo kuthinta kakhulu izindleko ezingaphandle kwephakethe zokwelashwa komdlavuza. Ukuqonda ukumbozwa kwenqubomgomo yakho yokunakekelwa komdlavuza, kufaka phakathi ama-deductibles, ama-co-pays, nezindleko zenethiwekhi, kubalulekile. Iziguli eziningi zithola ukuthi ngisho nangomshuwalense, okukhulu Izindleko zesibhedlela somdlavuza izinsalela.

Izindleko ezingeziwe

Ngaphesheya kwezindleko zezokwelapha eziqondile, cabanga ngezindleko ezinjengokuhamba, indawo yokuhlala, umuthi kanye nokunakekelwa kokusekela. Lezi zindleko ezingezekile zinganqwabelana ngokushesha, zingeze umthwalo wezezimali jikelele.

Ukuzulazula kwezici zezezimali zokwelashwa komdlavuza

Izinhlelo Zosizo Kwezezimali

Izinhlangano eziningi zinikezela ngezinhlelo zosizo lwezezimali ezigulini ezinomdlavuza zilwa nezindleko eziphakeme zokwelashwa. Lezi zinhlelo zingase zihlanganise izindleko zezokwelapha, izindleko zokuhamba, noma ezinye izindleko ezihlobene. Ukucwaninga nokufaka isicelo salezi zinhlelo kunganciphisa kakhulu i Izindleko zesibhedlela somdlavuza umthwalo.

Ukuxoxisana ngezikweletu zezokwelapha

Izibhedlela kanye nabahlinzeki bezokwelapha bavame ukuzimisela ukuxoxa ngezindleko zezokwelapha, ikakhulukazi ezigulini ezibhekene nobunzima bezezimali. Unganqikazi ukuxoxa ngezinhlelo zokukhokha noma izaphulelo noMnyango Wenkokhelo.

Ukufuna ukwesekwa okuvela emndenini nakubangane

Ukuncika emndenini nakubangane ukusekelwa okungokomzwelo nangokwezezimali kungagxila ngalesi sikhathi esinzima. Ukwakha inethiwekhi yokusekelwa kungahlinzeka ngosizo olusebenzayo kanye namandla afanayo adingakalayo.

Ukuthola ukunakekelwa okulungile: ukugxila kwikhwalithi

Ngenkathi izindleko zikukhathaza okukhulu, ikhwalithi ebeka phambili ikhwalithi yokunakekelwa ibaluleke ngokulinganayo. Cabanga ukufuna ukwelashwa ezindaweni ezihlonishwayo nabantu abanolwazi lwe-Oncologists kanye nezinketho zokwelashwa ezithuthukile. Isibhedlela esifana ne I-Shandong Baafa Cancer Research Institute Inikeza ukunakekelwa komdlavuza okuthuthukile futhi kunganikeza imininingwane ekuhlelweni kwezezimali kokwelashwa. Ukucwaninga izibhedlela nokuqhathanisa nezinsizakalo zabo nezindleko zabo kungakusiza wenze isinqumo esinolwazi.

QAPHELA: Amabanga wezindleko alinganiselwa futhi angahluka ngokuya ngezimo ngazinye. Xhumana nomhlinzeki wakho wezokunakekelwa kwempilo kanye nomshuwalense imininingwane efanele yezindleko.

Ukuqonda izici zezezimali ze Izindleko zesibhedlela somdlavuza Isinyathelo esibalulekile sokuzulazula ekwelashweni komdlavuza. Ngokucabanga ngokucophelela izici ezichazwe ngenhla futhi usebenzisa izinsiza ezikhona, ungakwazi ukuphatha kangcono izinselelo zezezimali futhi ugxile empilweni yakho nokululama.