Lo mhlahlandlela ophelele uhlola izindleko ezihambisana nazo Umdlavuza Wezokulashwa esibindini Futhi izici ezithonya lezo zindleko. Sizokwakha ngezinketho ezahlukahlukene zokwelashwa, sichaza izindleko ezingaba khona futhi sikusize uzulazule ngale ndawo eyinselele yezezimali. Ukuqonda izindleko ezithintekayo zibalulekile ekuhleleni nasekubekeni izinqumo ezinolwazi mayelana nokunakekelwa kwakho.
Izindleko ze Umdlavuza Wezokulashwa esibindini kuyehluka kakhulu ngokuya ngezinto eziningana. Lokhu kufaka phakathi isigaba somdlavuza, uhlobo lokwelashwa oludingekayo, impilo yesiguli ephelele, indawo ekhethiwe yezempilo, kanye nomshuwalense. Ake sihlukanise abanye abashayeli abezindleko ababalulekile:
Izinketho zokwelashwa komdlavuza wesibindi zisuka ekuhlinzeni (kufaka phakathi kabusha isivuli sowesibindi noma ukufakelwa) ku-chemotherapy, ukwelashwa kwemisebe, ukwelashwa okuhlosiwe, kanye ne-immunotherapy. Izinqubo zokuhlinza ngokuvamile zibiza kakhulu, zilandelwe izindlela zokwelapha ezihlosiwe kanye nama-acmUNLOCEPOPIes. Ukwelashwa kwe-chemotherapy kanye nokwelashwa kwemisebe kuvame ukuwela kumabakaki aphakathi nendawo. Izindleko ezithile zizoncika esikhathini sokwelashwa, imvamisa yokuqokwa, kanye nobunzima bezinqubo. Isibonelo, ukufakelwa kwesibindi kubiza kakhulu kune-chemotherapy ngoba kubandakanya inqubo yokuhlinzwa eyinkimbinkimbi, ukuthengwa kwezithonjana, kanye nokunakekelwa okubanzi okusebenzayo.
Izindleko zokulaliswa esibhedlela ziyingxenye ebalulekile yezindleko eziphelele. Ubude bokuhlala, uhlobo lwekamelo (ukuqhathanisa nakwabazimele okwabiwe ngalo), kanye nesidingo sokunakekelwa okuthe xaxa wonke umthelela inkokhelo yokugcina. Ngokwengeziwe, izindleko ezihambisana nokuhlolwa kokuxilonga, njenge-CT Scans, ama-MRIS, nama-biopsies, engeza izindleko zizonke. Lezi zivivinyo zibalulekile ekutholweni okunembile nokuchitheka komdlavuza, okuqondisa uhlelo olusebenzayo kakhulu lokwelashwa.
Ngaphandle kwezindleko zokuqala zokwelashwa, imithi eqhubekayo nokulandela ama-aphoyintimenti afaka isandla ezindlekweni zesikhathi eside. Izindlela eziningi zokwelapha umdlavuza zidinga umuthi oqhubekayo wokuphatha imiphumela emibi noma uvikele ukuphindeka. Ukuhlolwa njalo okujwayelekile, ukuhlolwa kwegazi kanye nezifundo ze-Alifing kubalulekile futhi ukuqapha inqubekela phambili yesiguli futhi uthole noma yikuphi ukuphindana.
Izici eziningana ezingaphezu kohlobo lokwelashwa zidlala indima enkulu ekunqumeni izindleko ze- Umdlavuza Wezokulashwa esibindini:
Izindleko zezempilo ziyehluka ngokusekelwe endaweni yendawo. Ukwelashwa ezindaweni ezinkulu zedolobha elikhulu kuvame ukubiza kakhulu kunasemadolobheni amancane noma ezindaweni zasemakhaya. Izindleko zokuphila kanye nokuqoqwa kwezikhungo zezokwelapha ezikhethekile zinomthelela kulokhu kuhlukana.
Ubungako be-Health Insurance Refrage yakho lithonya kakhulu kwezindleko eziphuma ngaphandle. Amasu omshuwalense ayahlukahluka ekumbozeni kwawo ukwelashwa komdlavuza, ngokunikeza ukumboza okuphelele okuthe xaxa kunabanye. Kubalulekile ukubuyekeza inqubomgomo yakho ngokucophelela futhi uqonde ukuthi yini embozwe nokuthi yini ekhokhayo, ama-deductibles, kanye namanani aphezulu ephaketheni.
Ukubamba iqhaza kwezivivinyo zomtholampilo kwesinye isikhathi kunganciphisa izindleko zokwelashwa. Lezi zivivinyo zivame ukumboza izindleko zemithi, izinqubo, nezinye izindleko ezihlobene. Kodwa-ke, ukubamba iqhaza kubandakanya ukunamathela kwiphrothokholi yokwelashwa okuqinile futhi kungahlanganisa ezinye izingozi.
Ukuphatha umthwalo wezezimali we Umdlavuza Wezokulashwa esibindini kungaba ukumangala. Izinsizakusebenza eziningana zingakusiza ekutholeni lezi zinselelo:
Izinhlangano eziningi zinikeza izinhlelo zosizo lwezezimali kwiziguli ezinomdlavuza zibhekene nezindleko eziphezulu zezokwelapha. Lezi zinhlelo zinganikeza izibonelelo, uxhaso, noma usizo lokufaka isicelo sosizo lukahulumeni. Kungcono ukucwaninga futhi uhlole lezi zinketho kusenesikhathi ngangokunokwenzeka.
Amaqembu ezinsizakalo ezinesineke anganikeza ukwesekwa okubaluleke kakhulu, imininingwane kanye nezinsizakusebenza. Bangakwazi ukukuxhumanisa nezinhlelo zosizo lwezezimali, kukusize uqonde ukumbozwa komshuwalense wakho, futhi unikeze ukusekelwa okungokomzwelo ngesikhathi esinzima.
Ngemininingwane enemininingwane eminingi nokusekelwa maqondana nomdlavuza wesibindi, ungafisa ukubonisana nomhlinzeki wakho wezokunakekelwa kwempilo noma uvakashele amawebhusayithi ezinhlangano ezihlonishwayo njenge-American Cancer Society noma iNational Cancer Institute. Ukunakekelwa okuphelele komdlavuza, cabanga I-Shandong Baafa Cancer Research Institute. Banikela ngezinketho zokwelashwa ezithuthukile nokunakekelwa kwesihawu.
Uhlobo lokwelashwa | Ibanga elilinganiswayo lezezimali (i-USD) |
---|---|
Ukuhlinzwa (ukusetha kabusha) | $ 50,000 - $ 150,000 + |
Ukufakelwa kwesibindi | $ 500,000 - $ 1,000,000 + |
Chemotherapy | $ 10,000 - $ 50,000 + |
Ukwelashwa okuhlosiwe | $ 20,000 - $ 100,000 + |
Ukuzikhulula: Amabanga wezindleko ahlinzekiwe anezilinganiso futhi angahluka kakhulu ngokusekelwe ezimweni ngazinye. Xhumana nomhlinzeki wakho wezokunakekelwa kwempilo kanye nomshuwalense imininingwane efanele yezindleko.
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