Izindleko Zomdlavuza Wezokwelapha Ezine Amaphaphu

Izindleko ezine zokwelashwa komdlavuza wamaphaphu amane: Ukuqondisa okuphelele kwe-Minanda yezezimali ye Isiteji Sokwelashwa Somdlavuza Amaphaphu amane kubalulekile ezigulini nasemindenini yazo. Lo mhlahlandlela uhlinzeka ngesibukezo esiphelele sezindleko ezihambisana nokwelashwa ezahlukahlukene, izinsiza ezitholakalayo zosizo lwezezimali, nezinto ezithonya izindleko zizonke.

Izici ezithinta izindleko zokuphathwa komdlavuza wesigaba amane

Izindleko ze Isiteji Sokwelashwa Somdlavuza Amaphaphu amane kuyehluka kakhulu ngokuya ngezinto eziningana:

Uhlobo lokwelashwa

Izinketho ezahlukene zokwelashwa ziphatha amathegi entengo ahlukile. I-Chemotherapy, ukwelashwa okuhlosiwe, i-immunotherapy, ukwelashwa kwemisebe kanye nokuhlinzwa konke kunezindleko ezahlukahlukene. Izidakamizwa ezithile ezisetshenziswe esigabeni ngasinye nazo zithonya izindleko zizonke. Isibonelo, izidakamizwa ezintsha ze-ImmunoSatherapy zivame ukuyala izintengo eziphakeme kunama-regimens amadala we-chemotherapy.

Ubude bokwelashwa

Isikhathi sokwelashwa sithinta kakhulu izindleko eziphelele. Ezinye iziguli zingadinga ukwelashwa eziningana zokwelashwa, kanti ezinye zingadinga ukunakekelwa okuqhubekayo iminyaka. Lesi sikhathi sobude sithinta ngqo izindleko zemithi, isibhedlela sihlala futhi sivakashelwa udokotela.

Umhlinzeki Wendawo kanye Nezempilo

Indawo yokuhlala lapho ukwelashwa kutholwa kudlala indima enkulu ekunqumeni izindleko. Abahlinzeki bezokunakekelwa kwezempilo ezifundeni ezahlukahlukene noma ngisho nezibhedlela ezahlukahlukene esifundeni esifanayo bangaba nezinhlaka zamanani ahlukahlukene. Kungcono ukubuza ngezindleko eziphambili kusuka kubahlinzeki abangahle basebenze.

Ukumboza umshwalense

Ubungako bemishwalense yezempilo buthinta kakhulu izindleko ezingaphandle kwephakethe. Ukucaciswa kohlelo lomshuwalense wesiguli, kufaka phakathi ama-deductibles, ama-co-pays, kanye nemikhawulo yokumboza, kuzocacisa umthwalo wawo wezezimali ngamunye. Ukuqonda ukuhlinzekwa kwenqubomgomo yakho yomshuwalense mayelana Isiteji Sokwelashwa Somdlavuza Amaphaphu amane kubalulekile.

Izindleko ezingeziwe

Ngaphandle kwezindleko zokwelashwa okuyisisekelo, izindleko eziningana ezihambisanayo zinganqwabelana. Lokhu kungafaka izindleko zokuhamba ziye futhi kusuka ekuqomeni kwezokwelapha, izindleko ezihambisana nokunakekelwa kwempilo ekhaya, kanye nezindleko ezihlobene nokuphatha imiphumela emibi ekwelashweni.

Izinketho zokwelashwa nezindleko ezihambisana nazo

Ngenkathi ukuhlinzeka ngezindleko eziqondile akunakwenzeka ngaphandle kwemininingwane ethile yecala ngalinye, ithebula elilandelayo linikeza umbono ojwayelekile wezinketho zokwelashwa kanye nezindleko zezindleko. Lezi zilinganiso kanye nezindleko zangempela zingahluka kakhulu. Kubalulekile ukuthintana nomhlinzeki wakho wezokunakekelwa kwempilo kanye nomshuwalense wemininingwane enembile yamanani entengo ethile esimweni sakho.

Uhlobo lokwelashwa	Uhla lwezindleko (i-USD)	Amanothi
Chemotherapy	$ 10,000 - $ 100,000 + ngonyaka	Kuyehluka ngokuya ngezidakamizwa ezisetshenzisiwe nezokwelashwa.
Ukwelashwa okuhlosiwe	$ 10,000 - $ 200,000 + ngonyaka	Izidakamizwa ezibizayo, kepha izidakamizwa ezihlosiwe kakhulu zingasebenza kakhulu.
I-ImmunoSatherapy	$ 10,000 - $ 200,000 + ngonyaka	Uhla lwezindleko ezifanayo ekwelashweni okuhlosiwe, futhi lusebenza kakhulu kwezinye iziguli.
Ukwelashwa kwemisebe	$ 5,000 - $ 30,000 +	Kuyahluka ngokuya ngendawo ephathwe kanye nenani lezikhathi.
Indawo kadokotela	$ 20,000 - $ 100,000 +	Ibiza, imvamisa kuphela inketho kumacala akhethiwe kakhulu wesigaba 4 umdlavuza wamaphaphu.

Izinsizakusebenza Zosizo Kwezezimali

Ukuzulazula kwezinselelo zezimali ze Isiteji Sokwelashwa Somdlavuza Amaphaphu amane kungaba ukumangala. Ngenhlanhla, izinsizakusebenza eziningi zinganikeza usizo lwezezimali: Izinkampani Zomshuwalense: Xhumana nomhlinzeki wakho womshuwalense ukuze uqonde ngokuphelele ukumbozwa kwakho kanye nezindleko ezingabakhona zephakethe. Izinhlelo Zokusiza Iziguli (izipeji): Izinkampani eziningi zemithi zinikeza ama-PAPS ukusiza iziguli zikhokhele imishanguzo yazo. Bheka ngomenzi wemithi yakho ebekiwe. Izinhlangano ezingenzi inzuzo: Izinzuzo eziningana, ezinjenge-American Cancer Society kanye ne-Lung Cancer Research Foundation, zinikezela ngosizo lwezezimali kanye nezinsizakalo zokusekelwa. Amawebhusayithi abo avame ukuba nemininingwane yezibonelelo nezinhlelo ezikhona. Cabanga ukucwaninga izinhlangano eziqondile esifundeni sakho. Izinhlelo zikaHulumeni: Kuya ngokufaneleka kwakho, izinhlelo ezifana ne-Medicaid neMedicare zingasiza ukumboza ezinye izindleko zokwelashwa.

Ukugcina

Izindleko ze Isiteji Sokwelashwa Somdlavuza Amaphaphu amane ukukhathazeka okukhulu kweziguli eziningi nemindeni yazo. Ngokuqonda izici ezithonya izindleko zokwelashwa, nokusebenzisa izinketho zokwelashwa okutholakalayo, futhi zisebenzisa izinsizakusebenza zosizo lwezezimali, abantu bangazulazula kulesi sici esiyinselelo sokunakekelwa komdlavuza ngempumelelo. Khumbula ukuthintana nomhlinzeki wakho wezokunakekelwa kwempilo kanye nomshuwalense wenkampani yomshuwalense ukuholwa komuntu. Ukuthola eminye imininingwane ngokunakekelwa komdlavuza, ungafisa ukubheka izinsiza ezifana ne I-American Cancer Society. Ngeminye imininingwane ngokwelashwa okuthuthukile komdlavuza, sicela ucabangele ukuxhumana ne I-Shandong Baafa Cancer Research Institute.