Le ndatshana ihlinzeka ngesibukezo esiphelele sezinto ezinethonya Izindleko zokwelashwa komdlavuza, enikeza ukuqonda ngezindlela ezahlukahlukene zokwelashwa, ukumbozwa komshuwalense, kanye nezinhlelo zosizo lwezezimali. Sizohlola ubulukhuni besabelomali se ukwelashwa komdlavuza Futhi qokomisa izinsiza ukusiza ukuzulazula kule ndawo eyinselele yezezimali. Ukuqonda lezi zindleko kubalulekile ekuhleleni okusebenzayo kanye nokwenza izinqumo.
Uhlobo lomdlavuza futhi isigaba salo sithinta kakhulu Izindleko zokwelashwa komdlavuza. Amakhansela ahlukene adinga ukwelashwa okuhlukile, ezinye zazo zibiza kakhulu kunabanye. Umdlavuza wokuqala wesiteji angadinga ukwelashwa okuningana okubanzi, okuphumela ezindlekweni eziphansi uma kuqhathaniswa nomdlavuza osezingeni eliphezulu ongadinga ukwelashwa okuningi kanye nezikhathi ezinde ukwelashwa. Isibonelo, ukuhlinzwa komdlavuza webele wesigaba sokuqala kungenzeka kungabizi kakhulu kune-chemotherapy kanye nemisebe yomdlavuza wamaphaphu athuthukile. Izindleko nazo zingahluka ngokuya nge-subtype ethile yomdlavuza. Ukuxilongwa okunembile kanye nokuzihlaziya kubalulekile ekulinganiselweni kwezindleko okufanele.
Ukukhethwa kokwelashwa kuthonya kakhulu okuphelele Izindleko zokwelashwa komdlavuza. Ukuhlinzwa, i-chemotherapy, ukwelashwa kwemisebe, ukwelashwa okuhlosiwe, i-immunotherapy, kanye nokwelashwa kwama-hormone bonke banezindleko ezahlukahlukene ezihambisana nazo. Izinqubo ezihlinzayo zingakhula kakhulu ngentengo ngokuya ngobunzima nobude besikhathi. Izidakamizwa ze-Chemotherapy zingabiza, futhi inani lemijikelezo edingekayo imithelela izindleko eziphelele. Izindleko zokwelapha ze-radiation ziyahlukahluka ngokuya ngohlobo nobungako bemisebe elethwa. Izindlela zokwelapha ezihlosiwe kanye nama-accunotherapies, ngenkathi zivame ukusebenza kakhulu, zivame kakhulu phakathi kwezinketho zokwelashwa ezibiza kakhulu ezitholakalayo.
Isikhathi sokwelashwa sithinta kakhulu izindleko eziphelele. Izifundo ezenzakalelayo zokwelashwa ngokwemvelo ziphumela ezindlekweni eziphansi kunalezo ezidinga ukwelashwa okude. Isidingo sokwelashwa okuqhubekayo, njengokwelashwa okuhlosiwe ngemuva kokuhlinzwa, kuzokwengeza futhi izindleko zizonke. Izici ezinjengokuphendula ekwelashweni kanye nezinkinga ezingaba khona zingathonya nobude futhi ngaleyo ndlela izindleko zokwelashwa.
Indawo nedumela lesibhedlela nodokotela nakho kudlala indima ekunqumeni Izindleko zokwelashwa komdlavuza. Izibhedlela ezindlini ezinkulu zedolobha elikhulu zivame ukukhokhisa amanani aphezulu kunaleyo esezindaweni zasemakhaya. Ubuchwepheshe kanye nesipiliyoni se-Oncologist noma udokotela ohlinzayo nakho kungathonya imali. Ukukhetha umhlinzeki wenethiwekhi, uma unomshuwalense wezempilo, kuvame ukuba kubize kakhulu kunokusebenzisa umhlinzeki we-Out-of-Network.
Ngaphambi kokwelashwa kuqala, izivivinyo eziningi zokuxilonga nezinqubo kuyadingeka ukuqinisekisa ukutholwa, isigaba somdlavuza, bese uhlela ukwelashwa okufanele. Lezi zivivinyo, kufaka phakathi ama-biopsies, ukuskena kokulingisa (ama-CT Scans, ama-MRIS, ama-PET SCANS), kanye nokuhlolwa kwegazi, okufaka isandla kulowo wonke Izindleko zokwelashwa komdlavuza. Inombolo nobunzima balezi zivivinyo kuzothonya inkokhelo yokugcina.
Umshuwalense Wezempilo udlala indima ebalulekile ekuphatheni umthwalo wezezimali we ukwelashwa komdlavuza. Kodwa-ke, ngisho nangomshuwalense, izindleko eziphuma ephaketheni zingaba okukhulu. Ukuqonda ukumbozwa kwenqubomgomo yakho yomshuwalense kubalulekile. Ama-deductibles, akhokhe imali, futhi umshuwalense wabambisana angathinta kakhulu izindleko zakho. Kubalulekile ukubukeza inqubomgomo yakho ngokucophelela ukuze uqonde izibopho zakho. Izikhungo eziningi zomdlavuza zinikezela ngezinsizakalo zokwelulekwa ngezezimali ukusiza iziguli ekuhambeni komshuwalense nokuhlola izinhlelo zosizo lwezezimali. Izinhlelo Nezisekelo Nezisekelo, ezinjengalezo ezinikezwa yi I-Shandong Baafa Cancer Research Institute ingahle futhi inikeze ukwesekwa.
Ukubhekana nokuxilongwa komdlavuza sekuyinselele ngokwanele; Ukuphatha imithwalo yezezimali ehambisana nakho kungangeza ukucindezela okukhulu. Ukuhlelwa okusebenzayo nokuhlola zonke izinsiza ezikhona zibalulekile ukuze uzulaze kahle lezi zindleko. Lokhu kungafaka ukukhuluma nethimba lakho lezokunakekelwa kwempilo, kuphenya izinhlangano ezinomusa, kanye nokucwaninga ngezinhlelo zosizo lwezezimali. Ukuxhumana okuvulekile nethimba lakho lezokwelapha kanye nabeluleki bezezimali kungasiza ukunciphisa ezinye izinkathazo zezimali ezihlotshaniswa nazo ukwelashwa komdlavuza.
Ukulashwa kokwelashwa | Uhla lwezindleko ezilinganisiwe (i-USD) |
---|---|
Ukuhlinzwa (okulula) | $ 10,000 - $ 50,000 |
Ukuhlinzwa (okuyinkimbinkimbi) | $ 50,000 - $ 200,000 + |
Chemotherapy (umjikelezo owodwa) | $ 5,000 - $ 15,000 |
Ukwelashwa kwemisebe (inkambo ephelele) | $ 10,000 - $ 40,000 |
I-ImmunoSatherapy (umjikelezo owodwa) | $ 10,000 - $ 40,000 + |
Ukuzikhulula: Amabanga wezindleko ahlinzekiwe akhombisa futhi angahluka ngokuya ngezinto ezahlukahlukene. Xhumana nomhlinzeki wakho wezokunakekelwa kwempilo ukuze uthole izilinganiso ezifanele zezindleko ezihlobene nesimo sakho esithile. Lezi zibalo azihloselwe njengesiqondisi esichazayo.
Lolu lwazi ngolwazi olujwayelekile kanye nezinhloso zolwazi kuphela, futhi alwenzi izeluleko zezokwelapha. Hlala uthintana nochwepheshe wezempilo ofanelekayo nganoma yimiphi imibuzo ongaba nayo mayelana nempilo noma yokwelashwa.
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