Izindleko zokwelashwa komdlavuza wamaphaphu: umhlahlandlela ophelele

Ukuqonda imiphumela yezezimali ye Izindleko Zokwelashwa Umdlavuza Wephaphu kubalulekile ezigulini nasemindenini yazo. Lo mhlahlandlela uhlinzeka ngokuqhekeka okuningiliziwe kwezindleko ezingaba khona, izici ezithonya izindleko, kanye nezinsizakusebenza ezitholakalayo ukusiza ukuphatha umthwalo wezezimali walesi sifo esinzima. Sizohlola izinketho ezahlukahlukene zokwelashwa, izindleko zabo ezihambisana namasu, namasu okuhambisa ubunzima bezimali zezempilo.

Izici ezithinta izindleko zokwelashwa komdlavuza wamaphaphu

Uhlobo lokwelashwa

Izindleko ze Ukwelashwa komdlavuza wamaphaphu kuyehluka kakhulu ngokuya ngendlela yokwelashwa ekhethiwe. Ukuhlinzwa, i-chemotherapy, ukwelashwa kwemisebe, ukwelashwa okuhlosiwe, i-immunotherapy, kanye nokunakekelwa okuphilayo konke kuphatha amathegi entengo ahlukile. Izinqubo zokuhlinza, ngokwesibonelo, ngokuvamile zihilela izindleko eziphakeme eziphambili uma ziqhathaniswa nezindlela ezithile ze-chemotherapy. Ubungako bokuhlinzwa bunomthelela ophelele. Izidakamizwa ezithile ezisetshenziswe ekhengwekhali, ukwelashwa okuhlosiwe, futhi im-immunotherapy nayo ithonya izindleko eziphelele, ngoba amanani angahluka kakhulu phakathi kwemithi ehlukene.

Isigaba somdlavuza

Isigaba somdlavuza ekuxilonwe yisona yisichasiso esikhulu sezindleko zokwelashwa. Umdlavuza wamaphaphu okuqala ungadinga ukwelashwa okubanzi okubanzi futhi okungabizi kakhulu, ngenkathi umdlavuza we-advert-space uvame ukudinga indlela eyinkimbinkimbi futhi ebizayo, ngokufaka ukuhlinzwa, ama-chemotherapy, ukwelashwa okuhlosiwe. Umdlavuza osekhulile ngokwengeziwe, kunwebeka kabusha irejimeni yokwelashwa, ngaleyo ndlela wanda okuphelele Izindleko Zokwelashwa Umdlavuza Wephaphu.

Isimo sempilo yesiguli

Impilo yesiguli ephelele futhi noma yiziphi izimo zangaphambi kwangaphambili zingaba nomthelela ezindlekweni zokwelashwa. Abantu abanezinye izindaba zezempilo bangadinga ukuqapha okwengeziwe, imithi eyengeziwe, noma izikhathi ezinde zokutakula, bonke abanikela ngezindleko ezikhuphukayo. Izinkinga ngesikhathi sokwelashwa noma ngemuva kokuthola izindleko ezingalindelekile.

Isibhedlela nemali yezezibhedlela

Izindleko ziyehluka kakhulu ngokuya ngesibhedlela noma emtholampilo lapho kutholwa khona ukwelashwa. Indawo yendawo nayo idlala indima ebalulekile; Izindlela zokwelashwa ezindaweni ezinkulu zedolobha elikhulu zivame ukubiza kakhulu kunalezo ezisezindaweni zasemakhaya. Imali ye-Physicia, kufaka phakathi ukubonisana, izinqubo, kanye nokulandela ama-aphoyintimenti, banikela kakhulu kulokho okuphelele Izindleko Zokwelashwa Umdlavuza Wephaphu.

Ukumboza umshwalense

Izinga lokufunwa komshwalense lithinta kakhulu izindleko ze-Out-of-Pocket. Amasu omshuwalense wezempilo ophelele ngokuvamile amboza ingxenye enkulu yezindleko, kuyilapho abantu abathile benomshuwalense olinganiselwe noma ongenawo umshuwalense angabhekana nemithwalo yezezimali enkulu. Ukuqonda imininingwane yenqubomgomo yakho yomshuwalense, kufaka phakathi ama-deductibles, ama-co-pays, kanye nama-out-of-pocket maximu, kubalulekile kwisabelomali. Kubaluleke futhi ukubheka ukuthi ngabe ukwelashwa okuthile kumbozwe ngaphansi kohlelo lwakho futhi kucace noma yiziphi izidingo zokugunyazwa kwangaphambili.

Ukulinganisa izindleko zokwelashwa komdlavuza wamaphaphu

Ukulinganisa ngokunembile Izindleko Zokwelashwa Umdlavuza Wephaphu I-Beefand iyinselele ngenxa yokuhluka kwezinto ezidingidwa ngenhla. Kodwa-ke, kungcono ukuxoxa ngezindleko ezingaba khona nomhlinzeki wakho wezokunakekelwa kwempilo kanye nenkampani yomshuwalense ukuze uthole ukuqonda okungcono kokuthile ongakulindela. Izibhedlela eziningi zinikezela ngezinsizakalo zokwelulekwa ngezezimali ukusiza iziguli ukuba zibukeze izinkambiso zokukhokhiswa kwenkokhelo kanye nomshuwalense. Izinhlangano ezinjenge-American Cancer Society zinikezela ngezinsizakusebenza ezibalulekile nokusekelwa ukusiza ngezici zezezimali zokwelashwa komdlavuza.

Izinsizakusebenza zokuphatha izindleko zokwelashwa komdlavuza wamaphaphu

Izinsizakusebenza eziningi zingasiza ukuphatha umthwalo wezezimali we Ukwelashwa komdlavuza wamaphaphu. Lokhu kufaka phakathi izinhlelo zosizo lwezezimali ezihlinzekwa yizibhedlela, izinkampani ezenza imithi kanye nezinhlangano ezinikela. Izinhlangano eziningi ezingenzi nzuzo zinikeza izibonelelo kanye noxhaso ukusiza iziguli ngezindleko zazo zezokwelashwa. Ngokwengeziwe, izinketho zokuhlola njengemikhankaso yokubuyisa ama-compleffundfund kungaba yithuba elisebenzayo lokukhulisa imali. Khumbula ucwaninga ngokuphelele futhi uqonde imigomo nemibandela yanoma yiluphi uhlelo losizo ngaphambi kokufaka isicelo.

Ukuthola ukwesekwa nolwazi

Ukuzulazula ubunzima be Izindleko Zokwelashwa Umdlavuza Wephaphu kungaba nzima. Ukufuna ukusekelwa kochwepheshe bezokunakekelwa kwempilo, abeluleki bezimali, kanye namaqembu okusekelana kungabonakala kubaluleke kakhulu. Ukunakekelwa okuphelele komdlavuza nokucwaninga, cabanga ngokuhlola izinsiza ezifana ne I-Shandong Baafa Cancer Research Institute. Lesi sikhungo sinikezela ngengcebo yolwazi mayelana nokwelashwa okuhlukahlukene komdlavuza kanye nezindleko zazo. Khumbula ukuthi ukutholwa nokungenelela kwakuqala kungadlala indima enkulu ekunciphiseni ubungozi bezempilo kanye nezindleko zokwelashwa jikelele.

Nesitatimende: Lolu lwazi lwenzelwe izinjongo zokufundisa kuphela futhi alusho izeluleko zezokwelapha. Hlala uthintana nomhlinzeki wakho wezokunakekelwa kwempilo ukuze uthole ukuholwa komuntu uqobo mayelana nesimo sakho esithile kanye nezinketho zokwelashwa.