Ukuqonda izindleko ze-Out-of-Pocket zokwelashwa komdlavuza we-Prostate

Lo mhlahlandlela ophelele uhlola izici zezezimali ze Ukwelashwa komdlavuza we-Prostate, ukugxila ku Izindleko ze-Out-of-Pocket. Sisebenzisa izinketho ezahlukahlukene zokwelashwa, ukumboza umshuwalense, namasu wokulawula izindleko. Funda ukuzula ezinkingeni zezimali zezempilo ukwenza izinqumo ezinolwazi mayelana nokunakekelwa kwakho.

Izici ezithinta izindleko ze-Out-of-Pocket

Uhlobo lokwelashwa

Uhlobo lwe Ukwelashwa komdlavuza we-Prostate kuthinta kakhulu i- Izindleko ze-Out-of-Pocket. Izinketho zisukela ekubhekeni okusebenzayo (Ukuqapha umdlavuza) ukuhlinzwa (i-radical prostatectomy noma i-robotic-assistrated laparoscopic prostatectomy), ukwelashwa kwemisebe (imisebe yangaphandle ye-beam (i-brachytherapy), ukwelashwa kwe-chemotherapy, kanye nokwelashwa okuhlosiwe. Indlela ngayinye inezindleko ezahlukahlukene ezihambisana nezinqubo, imishanguzo, isibhedlela ihlala, nokulandela ama-aphoyintimenti.

Ukumboza umshwalense

Uhlelo lwakho lomshuwalense wezempilo ludlala indima ebalulekile ekutholeni okwakho Izindleko ze-Out-of-Pocket. Izici ezifana nezokhokhiswayo, ukubakhokhela imali, i-coinsurance, nokuthi ngabe ukwelashwa kubhekwa njengenethiwekhi kuthonya kakhulu izindleko zakho. Ukuqonda imininingwane yakho yenqubomgomo kubalulekile. Amacebo amaningi anemikhawulo ekutholeni ekwelashweni noma emithini ethile.

Indawo Yendawo

Izindleko ze Ukwelashwa komdlavuza we-Prostate ingahluka ngokuya ngokususelwa endaweni yendawo. Izindleko zezempilo ezindaweni zasemadolobheni zivame ukwedlula lezo ezilungiselelweni zasemakhaya. Ngaphezu kwalokho, idumela kanye nokubumbana kwesikhungo sezokwelapha kungathinta namanani entengo.

Izindleko ezingeziwe

Ngaphesheya kwezindleko zokwelashwa okuqondile, cabanga ngamathuba Izindleko ze-Out-of-Pocket Okokuhamba, indawo yokuhlala (uma ukwelashwa kudinga ukuthuthwa), umuthi, izithako zokudla okunempilo, kanye nokwelashwa kabusha. Lezi zindleko ezingeziwe zinganqwabelana ngokushesha.

Ukulinganisa izindleko zakho eziphuma ephaketheni

Ukulinganisa ngokunembile yakho Izindleko ze-Out-of-Pocket Idinga ukuhlela ngokucophelela nokuxhumana nabahlinzeki bakho bezempilo kanye nenkampani yomshuwalense. Cela ukulinganiselwa kwezindleko okuningiliziwe kusuka kudokotela wakho kanye nesibhedlela ngaphambi kokuqala ukwelashwa. Buyekeza inqubomgomo yakho yomshuwalense kahle, futhi unganqikazi ukubuza imibuzo ecacisa mayelana nemikhawulo yokumboza kanye nezindleko ezingaba khona ze-Out-of-Pocket.

Izinhlelo Zosizo Kwezezimali

Izinsizakusebenza eziningana zinikela ngosizo lwezezimali kubantu ababhekene namanye abheke phezulu izindleko zomdlavuza we-Prostate. Lokhu kungafaka:

• Izinhlelo Zosizo Lomkhiqizi Wezokukhiqiza: Izinkampani eziningi zemithi zinikeza izinhlelo zosizo zemithi yazo.
• Izinhlelo Zosizo Losizo Kwezezimali Zasesibhedlela: Ezinye izibhedlela zihlinzeka ngosizo lwezezimali ezigulini ezisuselwa kwisidingo sabo sezezimali.
• Izinhlangano Eziphasayo: Izinhlangano eziningi ezinikela ngokuzinikela ekusekeleni iziguli ezinomdlavuza ngosizo lwezezimali.
• Izinhlelo Zohulumeni: Ngokuya ezweni lakho lokuhlala kanye nokufaneleka, ungahle ulungele izinhlelo zosizo lukahulumeni.

Kungcono ukuhlola lezi zinketho kusenesikhathi enqubo yokwelashwa.

Ukuzulazula ohlelweni lwezempilo

Ukuxhumana okusebenzayo nethimba lakho lezokunakekelwa kwempilo kanye nomhlinzeki womshuwalense kubaluleke kakhulu. Gcina amarekhodi anemininingwane yazo zonke izikweletu zezokwelapha, izinkokhelo zomshuwalense, kanye nezinhlelo zokusebenza zosizo lwezezimali. Unganqikazi ukubuza imibuzo nganoma yisiphi isici sohlelo lwakho lokwelashwa nezindleko ezihambisana nazo. Khumbula ukuhlola zonke izinketho ezitholakalayo ukunciphisa okwakho Izindleko ze-Out-of-Pocket ingomane Ukwelashwa komdlavuza we-Prostate.

Ukuthola imininingwane engaphezulu nokusekelwa, cabanga ngokuhambela izinhlangano ezihlonishwayo ezikhethekile ekunakekelweni komdlavuza we-Prostate. Ungase futhi ufune ukuholwa kwabeluleki bezezimali abanolwazi ezimalini bezempilo. Ukuhlelela kwasekuqaleni nokuxhumana okusebenzayo kungenza umehluko omkhulu ekuphatheni umthwalo wezezimali we Ukwelashwa komdlavuza we-Prostate.

^{Ukuzikhulula: Lolu lwazi lungelolwazi olujwayelekile kanye nezinhloso zolwazi kuphela, futhi alwenzi izeluleko zezokwelapha. Hlala uthintana nobuchwepheshe bakho bezokunakekelwa kwempilo nganoma yiziphi izinkathazo zezempilo noma ngaphambi kokwenza noma yiziphi izinqumo ezihlobene nempilo yakho noma yokwelashwa.}