Ukuthola Ukwelashwa Kwe-Prostate Cancer Eshibhile: Igayidi yokwehlisa izindleko ze-Out-of-Pocket

Lo mhlahlandlela uhlola amasu okunciphisa Ishibhile ezindlekweni ephaketheni zezibhedlela zokwelashwa komdlavuza we-Prostate, enikeza ukuqonda kube yizindleko zokunakekelwa kwempilo kanye nokufinyelela ukunakekelwa okungabizi. Sizohlola izinketho ezahlukahlukene, kufaka phakathi izinhlelo zosizo lwezezimali, ukudingida izindleko zokwelashwa, nokuqonda ukumbozwa komshuwalense. Funda ukuthi ungasithola kanjani ibhalansi engcono kakhulu phakathi kokunakekelwa kwekhwalithi nokungabizi.

Ukuqonda ukumbozwa komshuwalense wakho

Ukubaluleka kokuhlelwa kwangaphambi kokwelashwa

Ngaphambi kokuqala noma yini Ukwelashwa komdlavuza we-Prostate, buyekeza kahle inqubomgomo yakho yomshuwalense. Qondisisa i-COPAY yakho, iCoinseay, i-COinsurance, kanye ne-Out-of-Pocket Main. Ukwazi lezi zibalo kuzokusiza ukuthi usebenzise isabelomali futhi ulindele izindleko. Thintana nomhlinzeki wakho womshuwalense ngokuqondile ukucacisa noma yiziphi izifinyezo noma ukuthola ukugunyazwa kwangaphambili kokwelashwa okuthile. Izinhlelo eziningi zomshuwalense zinamanethiwekhi wabahlinzeki abathandwayo; Ukusebenzisa izibhedlela zenethiwekhi kanye nodokotela banganciphisa kakhulu bakho Ishibhile ezindlekweni ephaketheni zezibhedlela zokwelashwa komdlavuza we-Prostate.

Ukuhlola izinhlelo zosizo lwezezimali

Izinhlelo Zokusiza Abakhiqizi (Izipele)

Izinkampani eziningana zemithi zinikeza izinhlelo zokusiza iziguli (ama-PAPS) ukusiza iziguli zikhombise imishanguzo yazo. Lezi zinhlelo zivame ukumboza izindleko zemithi kadokotela, okungenzeka kwehlise izindleko zakho zizonke Ukwelashwa komdlavuza we-Prostate. Izidingo zokufaneleka ziyahlukahluka ngokuya ngomenzi kanye nomuthi othize. Hlola amawebhusayithi ezinkampanini ezenza imithi ezikhiqiza izidakamizwa ezisetshenziswa ohlelweni lwakho lokwelashwa.

Usizo lwezezimali lwasesibhedlela kanye nokunakekelwa kokupha

Izibhedlela eziningi zinezinhlelo zosizo lwezezimali kanye nezinketho zokunakekelwa kwezingisi zeziguli ezingakwazi ukukhokhela izindleko zazo zezokwelapha. Lezi zinhlelo zivame ukuhlinzeka izaphulelo noma izindleko ze-wave ezisuselwa kwimali engenayo kanye nesidingo sezezimali. Buza nomnyango okhokha esibhedlela ngezinqubomgomo zabo ezithile nezinqubo zokusebenzisa. Le khasi I-Shandong Baafa Cancer Research Institute Isikhungo esihlonishwayo ungafisa ukuphenya ngokuqhubekayo.

Ukuxoxisana nezindleko zokwelashwa

Vula ukuxhumana nomhlinzeki wakho wezempilo

Unganqikazi ukuxoxa ngezinto ezikhathazayo zezezimali nodokotela wakho noma uMnyango Wezibhedlela. Bangakwazi ukunikela ngezinhlelo zokukhokha, baxoxisane ngezimali ezincishisiwe, noma bakuxhumanise ngezinsizakusebenza zosizo lwezezimali. Ukuba namandla futhi okusobala ngesimo sakho sezezimali kungaholela ekukhetheni okubiza kakhulu.

Ukuthola Izibhedlela Ezingabizi

Ucwaningo nokuqhathanisa

Qhathanisa izintengo zezibhedlela ezahlukahlukene kanye nezikhungo zokwelashwa endaweni yangakini. Cabanga ngezinto ezingaphezu kwezindleko nje; Funa izibhedlela ezinedumela eliqinile lokunakekelwa kwekhwalithi kanye nezinga eliphezulu lempumelelo. Izinsizakusebenza eziku-inthanethi nokubuyekezwa kwesiguli kungakusiza wenze isinqumo esinolwazi. Khumbula, izindleko eziphansi kakhulu akuyona inketho engcono kakhulu uma ikhwalithi yokunakekelwa isengozini. Izici ezinjengobuchwepheshe bodokotela ohlinzayo, izikhungo zesibhedlela, kanye nokufinyelela kubuchwepheshe obukhethekile kubalulekile ngokubaluleka lapho ukhetha isibhedlela Ukwelashwa komdlavuza we-Prostate.

Isebenzisa izinsiza zomphakathi

Izinhlelo Zosizo Lohulumeni

Hlola izinhlelo zikahulumeni ezinganikeza usizo lwezezimali lwezindleko zezempilo. Ukutholakala nezidingo zokufaneleka zezinhlelo ezinjalo zihluka ngendawo. Izinhlelo zoMnyango Wezombuso Nezinhlangano Zokucwaninga, zibonisana neziphathimandla zezempilo zendawo ukuthola imininingwane ethize endaweni yakho.

Amathiphu angeziwe wokunciphisa izindleko

Cabanga ngamasu alandelayo okunciphisa izindleko zakho:

Khumbula, uzulazula izindleko ze Ukwelashwa komdlavuza we-Prostate kungaba ukumangala. Ngokuhlela ngokucophelela, usebenzisa izinsiza ezikhona, futhi ulondoloze ukuxhumana okuvulekile nabahlinzeki bakho bezempilo, unganciphisa kakhulu Ishibhile ezindlekweni ephaketheni zezibhedlela zokwelashwa komdlavuza we-Prostate futhi ufinyelele ekunakekelweni kwekhwalithi okudingayo.