Ukuqonda izindleko ze-Scal Sfum Meathirthis Article zinikezela ngesibukezo esiphelele sezindleko ezihambisana nokwelashwa kwama-tumor, ukuhlola okuthonyelayo okuthonya inani lokugcina kanye nokunikela ngezinsizakusebenza zokuhamba ngale ndawo eyinkimbinkimbi yezezimali. Simboza izinketho ezahlukene zokwelashwa, ukucatshangelwa komshuwalense, nezinhlelo ezingaba usizo lwezezimali.
Ukubhekana nokuxilongwa kwesimila kwebele kuyaqondakala. Ngaphezu kokulimala okungokomzwelo, umthwalo wezezimali we Izindleko zokwelashwa kwesimila sebele ungazizwa ucasukile ngokulinganayo. Lo mhlahlandlela uhlose ukudiliza ubunzima be Izindleko zokwelashwa kwesimila zebele, enikeza ukuqonda ezintweni ezithonya amanani entengo nokuhlinzeka ngezinsizakusebenza ukukusiza uzulazule lesi sici esiyinselelo sohambo lwakho. Izindleko zokwelashwa komdlavuza webele zingahluka kakhulu ngokuya ngezinto eziningana, kufaka phakathi isigaba somdlavuza, uhlobo lokwelashwa oludingekayo, kanye nokuhlanganiswa komshuwalense wakho.
I-Fere-Stage Scenge Canvers idinga ukwelashwa okuningana okubanzi, okuholela ezindlekweni eziphansi eziphansi ngokuqhathaniswa nomdlavuza osezingeni eliphezulu odinga ukungenelela okunolaka okufana nokungenelela okunolaka, ukwelashwa kwemisebe nokuhlinzwa. Ubukhulu bokuhlinzwa, inani lemijikelezo ye-chemotherapy, kanti isikhathi sokwelashwa kwemisebe sonke sinethonya eliphelele Izindleko zokwelashwa kwesimila sebele.
Izinhlobo zokwelashwa ezahlukahlukene zinezindleko ezahlukahlukene. Ukuhlinzwa, kufaka phakathi i-mastectomy noma i-lumpectomy, kuthwala isethi yayo yezindleko, kuhlanganisa imali yesibhedlela, imali ehlinzayo, nezindleko ze-anesthesia. I-Chemotherapy ifaka izindleko zemithi, ukuphathwa kwemiphumela emibi. Ukwelashwa kwemisebe kufaka izindleko zokwelashwa kanye nokuskena okungaba khona kokucabanga. Izindlela zokwelapha ezihlosiwe kanye ne-immunotherapy, ngenkathi zisebenza kakhulu, zingabiza.
Uhlelo lwakho lomshuwalense wezempilo lubamba iqhaza elibalulekile ekunqumeni izindleko zakho ezingaphandle kwephakethe. Ukuqonda ukumbozwa kwenqubomgomo yakho ekwelashweni komdlavuza webele, kufaka phakathi ama-deductibles, ama-co-pays, kanye nama-pocket amaningi ephaketheni, kubalulekile. Amasu amaningi omshuwalense anamanethiwekhi athile abahlinzeki, futhi ukusebenzisa abahlinzeki benethiwekhi ngokuvamile kuholela ezindlekweni eziphansi. Kubalulekile ukubuyekeza imininingwane yenqubomgomo yakho futhi uthintane nomhlinzeki wakho womshuwalense ngokuqondile ukuqonda ukumbozwa kwakho kokwelashwa okuthile kanye nezinsizakalo ezithile.
Ngaphesheya kokwelashwa okuyisisekelo, izindleko eziningana ezingeziwe zingaba nomthelela ezindlekweni eziphelele. Lokhu kufaka: Ukuhlolwa kwezokwelapha (isb. Kubalulekile ukufaka zonke lezi zindleko kwisabelomali sakho.
Izinhlangano eziningi zinikezela ngezinhlelo zosizo lwezezimali ezigulini ezinomdlavuza zibhekene nezindleko zokwelashwa. Lezi zinhlelo zinganikeza izibonelelo, uxhaso, noma usizo ngamaphrimiyamu womshuwalense. Kungcono ukucwaninga futhi usebenze ezinhlanganweni ezifanele kusenesikhathi ngangokunokwenzeka. Ezinye izibhedlela nezikhungo zomdlavuza nazo zinezinhlelo zazo zosizo lwezezimali.
Ukuxoxisana ngezikweletu zezokwelapha kungasebenza ekunciphiseni umthwalo wakho wezezimali. Thintana neminyango yokukhokha yabahlinzeki bezokunakekelwa kwezempilo ukuze uxoxe ngezinhlelo zokukhokha, izaphulelo, noma izinketho zokunakekelwa kwe-charity. Izibhedlela eziningi nemitholampilo zizimisele ukusebenza neziguli ukudala izinhlelo zokukhokha ezilawulekayo.
Ngeminye imininingwane nge Izindleko zokwelashwa kwesimila zebele Futhi izinsiza ezikhona, ungathola okulandelayo kusiza:
Khumbula, ukufuna usizo nokufinyelela izinsiza kutholakala kubalulekile. Unganqikazi ukufinyelela eqenjini lakho lezempilo kanye nezinhlangano ezifanele zokusekelwa nokuholwa. Ukuqonda izici ezahlukahlukene ze Izindleko zokwelashwa kwesimila sebele Kunika amandla okwenza izinqumo ezinolwazi futhi uphathe izinselelo zezezimali ezihambisana nokunakekelwa kwakho.
Ukuzikhulula: Lolu lwazi lungelolwazi olujwayelekile futhi akufanele lubhekwe njengeluleke lwezokwelapha. Hlala uthintana nomhlinzeki wakho wezokunakekelwa kwempilo ukuze uthole ukuholwa komuntu uqobo.
Uhlobo lokwelashwa | Ibanga elilinganiswayo lezezimali (i-USD) |
---|---|
Ukuhlinzwa (i-lumpectomy / mastectomy) | $ 5,000 - $ 50,000 + |
Chemotherapy | $ 10,000 - $ 100,000 + |
Ukwelashwa kwemisebe | $ 5,000 - $ 30,000 + |
Ukwelashwa okuhlosiwe / kwe-immunotherapy | $ 10,000 - $ 200,000 + |
Qaphela: Amabanga wezindleko alinganiselwa futhi angahluka kakhulu ngokusekelwe ezimweni ezithile, indawo, kanye nezinhlelo ezithile zokwelashwa. Lezi zibalo zilinganisela futhi azimeleli amanani athile kunoma yisiphi isikhungo. Ngemininingwane yezindleko eziqondile, sicela uthintane nomhlinzeki wakho wezokunakekelwa kwempilo kanye nomshuwalense.
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