Lo mhlahlandlela uhlinzeka ngemininingwane ebalulekile yabantu abafuna ukungabizi Umdlavuza wamaphaphu oshibhile eduze kwami Izinketho. Sihlola izindlela ezahlukahlukene zokuthola ukunakekelwa kwekhwalithi ngenkathi zilawula izindleko, kufaka phakathi izinketho zokwelashwa, izinhlelo zosizo lwezezimali, kanye nezinsizakusebenza zokuhambisa uhlelo lwezempilo. Ukuqonda ukukhetha kwakho nokusekelwa okutholakalayo kubalulekile ohambweni lwakho.
Ukwelashwa komdlavuza wamaphaphu kungabiza, okuhlanganisa ukuhlinzwa, i-chemotherapy, ukwelashwa kwemisebe, ukwelashwa okuhlosiwe, kanye ne-immunotherapy. Izindleko eziphelele ziyehluka kakhulu ngokuya ngesigaba somdlavuza, uhlelo lokwelashwa olukhethiwe kanye nezimo ngazinye. Ukuqonda lokhu kwehluka kubalulekile ekuhleleni izindleko ezingaba khona.
Kunezici eziningana ezibangela izindleko eziphelele ze Umdlavuza wamaphaphu oshibhile eduze kwami ukwelashwa. Lokhu kufaka phakathi uhlobo nobukhulu bokuhlinzwa okudingekayo, inani le-chemotherapy noma ama-radiation therapy amaseshini, uhlobo lwemithi olunqunyelwe, kanye nesikhathi sokwelashwa. Imvamisa yokuvakasha kukadokotela kanye nokuhlolwa kokuxilongwa nakho kudlala indima.
Ngenkathi izindleko zokuphathwa komdlavuza wamaphaphu zingaba nzima, izindlela eziningi zikhona ngokufinyelela ekunakekelweni okungabizi. Lezi zinketho zisukela ezinhlelweni zosizo lukahulumeni ziye ezinhlanganweni ezinikelayo nasekuhlolweni kwemitholampilo.
Amazwe amaningi anikela ngezinhlelo zezempilo ezixhaswe nguhulumeni ezenempilo ngokwengxenye noma ngokugcwele izindleko zokwelashwa komdlavuza. Izindlela zokufaneleka ziyahlukahluka, kuya ngezinto ezifana nezinga lemali, ubudala, kanye nesimo sokuba yisakhamuzi. Cwaninga izinketho zakho zasendaweni ukunquma ukufaneleka kwakho ngosizo lukahulumeni ukuphatha izindleko zakho Umdlavuza wamaphaphu oshibhile eduze kwami ukwelashwa.
Izinhlangano eziningana ezinikela ezinikezelwe ukusiza iziguli ezinomdlavuza zinikeza usizo lwezezimali, izinsizakalo zokusekelwa, kanye nezinsizakusebenza. Lezi zinhlangano zivame ukuhlinzeka ngezibonelelo, uxhaso, noma usizo ngezikweletu zezokwelapha. Izinhlangano zocwaningo endaweni yangakini ezikhethekile ekusekelweni komdlavuza wamaphaphu ukuhlola izinhlelo zosizo lwezezimali. Izibonelo zifaka phakathi i-American Lung Association kanye ne-Leukemia & Lymphoma Society. Amawebhusayithi abo avame ukuhlinzeka ngolwazi ngezinhlelo zezimali zokusiza iziguli ezifanele.
Ukubamba iqhaza ezivivinyweni zemitholampilo kunganikezela ukwelashwa kokusika endaweni ehlisiwe, noma mahhala. Ukuvivinywa kwemitholampilo kuhlola ukusebenza kahle nokuphepha kokwelashwa okusha futhi kuvame ukumboza izindleko ezihlobene nabahlanganyeli. Thintana nodokotela wakho we-oncologist ukuthola ukufaneleka kwakho kwezilingo ezifanele zomtholampilo.
Ukuzulazula ohlelweni lwezempilo ngesikhathi sokuxilongwa komdlavuza kungahle kube nzima. Ukuqonda amalungelo akho njengesiguli, ukufunda ngomshuwalense, futhi ufuna ukuholwa kobungcweti kuyizinyathelo ezibalulekile ekuphatheni izindleko nobunzima bokunakekelwa kwakho. Ukufuna izeluleko ezivela emaqenjini ezinikezele ezinokuxhamazela kungazuzisa.
Buyekeza inqubomgomo yakho yomshuwalense ukuze uqonde ukumbozwa kwakho kokwelashwa komdlavuza wamaphaphu. Qaphela ama-co-pays, ama-deductibles, kanye nama-pocket amaningi. Uma ungakhethiwe noma ongavikeleki, izinketho zokuhlola njenge-Medicaid noma i-chip kungaba nzima. Hlala ucacisa imininingwane yokukhokha nomhlinzeki wakho wezokunakekelwa kwempilo kanye nenkampani yomshuwalense ukugwema izindleko ezingalindelekile.
Izinsizakusebenza eziningi zihlinzeka ngosizo lwezezimali lweziguli ezinomdlavuza. Lokhu kufaka phakathi amawebhusayithi, amawebhusayithi, namaqembu okusekelayo. Njalo qinisekisa izidingo zokufaneleka ngaphambi kokufaka isicelo sanoma yiluphi uhlelo. Izibhedlela eziningi kanye nezikhungo zomdlavuza nazo zinikeza ezazo izinhlelo zosizo lwezezimali.
Uhlobo lwensiza | Isibonelo | Ukufanisa |
---|---|---|
Uhlelo lukahulumeni | I-Medicaid (USA) NHS (UK) | Ihlinzeka ngemali ekhokhelwa kahle ekunakekelweni kwezempilo |
Inhlangano Enomusa | American Lung Association American Lung Association | Inikeza usizo lwezezimali nezinsizakalo zokusekela |
Usizo lwezezimali lwasesibhedlela | [Igama lesibhedlela] Uhlelo losizo lwezezimali | Bheka nesibhedlela sakho ezinhlelweni zabo ezithile |
Khumbula, ukuthola okungabizi Umdlavuza wamaphaphu oshibhile eduze kwami Ukunakekelwa kudinga ucwaningo olusebenzayo nokuhlelela. Ukusebenzisa izinsizakusebenza kanye nezinketho eziveziwe ngenhla kungasiza ukunciphisa imithwalo yezezimali futhi kugxile ekutholeni ukwelashwa okungcono kakhulu.
Ukuzikhulula: Lolu lwazi lwenzelwe izinjongo zokufundisa kuphela futhi lungenzi izeluleko zezokwelapha. Thintana nomhlinzeki wakho wezokunakekelwa kwempilo ukuze uthole izifundo ezenzelwe wena kanye nezinketho zokwelashwa.
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