Ukuqonda izindleko zokuphathwa komdlavuza we-squam angewona amaphaphu

Lo mhlahlandlela ophelele uhlola ubunzima be Izindleko ze-Squam ezingenamdlandla ze-lung templeans callal. Singena ezintweni ezahlukahlukene esithonya izindleko zonke, ukuhlinzeka ngemininingwane ngezinketho zokwelashwa, ukumbozwa komshuwalense ongaba khona, kanye nezinsizakusebenza ukukusiza ukuthi uzulazule ngalesi sici sezezimali esinzima sokunakekelwa komdlavuza. Funda ngezindlela zokwelashwa, izindleko ezihambisana nezindlela, nezindlela zokunciphisa imithwalo yezezimali.

Izici ezithonya izindleko zokwelashwa komdlavuza we-squam angewona amaphaphu

Izindlela zokwelashwa nezindleko zazo ezihambisana nazo

Izindleko ze Ukwelashwa komdlavuza we-squam angesincane kuyehluka kakhulu ngokuya ngendlela yokwelashwa ekhethiwe. Izinketho zibandakanya ukuhlinzwa (kufaka phakathi izinqubo ezihlaselayo ezifana nezingelumi noma ukuhlinzwa okusizwa ngamarobhothi), i-chemotherapy, ukwelashwa kwemisebe, ukwelashwa okuhlosiwe (isb. Ukushintshana ngakunye kuthwala umaki wentengo ohlukile. Izinqubo ezihlinzayo, ngokwesibonelo, zibandakanya izindleko eziphezulu eziphezulu eziqhathaniswa ne-chemotherapy noma imisebe yesikhathi eside, kepha imiphumela yezindleko yesikhathi eside ingahluka ngokuya ngempumelelo yokwelashwa kanye nesidingo sokungenelela okwengeziwe. Izindlela zokwelapha ezihlosiwe, ngenkathi zisebenza kakhulu kwezinye iziguli, zingaba phakathi kwezindlela ezibiza kakhulu. Ubungako bomdlavuza, impilo yesiguli yonke, futhi ukutholakala kwezivivinyo zomtholampilo nakho kufaka isandla ekuguqukeni kwezindleko. Izindleko eziqondile zinzima ukubikezela ngaphandle kokuhlola okuningiliziwe kusuka ku-Oncologist. I-Shandong Baafa Cancer Research Institute Inikeza ukubonisana okuphelele ukukusiza uqonde izindleko zokwelashwa eziqondene nesimo sakho.

Ukumbozwa komshuwalense kanye nezinhlelo zosizo lwezezimali

Ukuhlanganiswa komshuwalense kudlala indima ebalulekile ekunqumeni izindleko ezingaphandle kwephakethe. Izinga lokumboza liyahlukahluka kakhulu ngokuya ngemigomo yomshuwalense, izimo zangaphambi kokukhona, kanye nokwelashwa okuthile okutholakele. Amasu amaningi womshuwalense amboza ingxenye ebalulekile yokwelashwa komdlavuza, kepha ama-defaibles, ama-co-akhokhayo, kanye namanani aphezulu asephaketheni asengaphumela kwizindleko ezinkulu. Izinhlelo eziningana zosizo lwezezimali, ezinjengalezo ezinikezwa yizinkampani ezenza imithi, izinhlangano ezingenzi nzuzo, kanye nezinhlaka zikahulumeni (njengeMedicare neMedicaid), zingasiza iziguli ukuphatha umthwalo wezezimali ohambisana Ukwelashwa komdlavuza we-squam angesincane. Kubalulekile ukuhlola lezi zinketho kusene inqubo yokuhlela yokwelashwa.

Indawo yendawo nomhlinzeki wezempilo

Indawo yendawo inomthelela omkhulu izindleko zokunakekelwa kwezokwelapha. Izindleko zokuphila, izinga lokuncintisana phakathi kwabahlinzeki bezokunakekelwa kwempilo, kanye namanani okubuyiselwa kwemali okukhona wonke athonya inani lokugcina. Ngaphezu kwalokho, ukukhethwa komhlinzeki wezokunakekelwa kwempilo (isibhedlela, umtholampilo, njll.) Nakho kungaba nomthelela kwizindleko eziphelele. Abanye abahlinzeki bangaba nezimali eziphakeme zezindawo noma bakhokhise ngaphezulu kwezinsizakalo ezithile.

Ukuzulazula kwezici zezezimali ze Ukwelashwa komdlavuza we-squam angesincane

Ukuqonda inqubomgomo yakho yomshuwalense

Buyekeza ngokucophelela inqubomgomo yakho yomshuwalense ukuze uqonde ukumbozwa kwakho kokwelashwa komdlavuza. Khomba ama-deductibles akho, akhokhe imali, kanye nama-pocket amaningi. Thintana nomhlinzeki wakho womshuwalense ngokuqondile ukucacisa noma yiziphi izifiso noma ukungaqiniseki mayelana nokumbozwa kwezindlela zokwelashwa ezithile noma wemithi.

Ukuhlola Izinsizakusebenza Zosizo Kwezezimali

Izinhlangano eziningi zinikeza usizo lwezezimali ezigulini ezinomdlavuza. Lokhu kufaka phakathi izinhlelo zokusiza iziguli zezemithi (ama-PAPS), izinhlangano ezingenzi inzuzo ezinikezelwe ekunakekelweni komdlavuza, nezinhlelo zikahulumeni. Izinsizakusebenza eziku-inthanethi, njengewebhusayithi yeNational Cancer Institute, zingakuqondisa ekubhekeni ezinhlelweni ezifanele.

Ukwenza isabelomali kanye nokuhlelwa kwezezimali

Ukuthuthukisa isabelomali esingokoqobo kubalulekile. Sebenzisana nethimba lakho lezempilo kanye nabeluleki bezezimali ukuze balindele izindleko ezingaba khona futhi bahlole izinketho zokukhokha ezahlukahlukene. Le ndlela esebenzayo isiza ukuphatha imiphumela yezezimali ye Ukwelashwa komdlavuza we-squam angesincane ngempumelelo.

Ukuqhathanisa kwezindleko (Isibonelo esibonisa - Izindleko zangempela ziyahlukahluka)

Ithebula elingezansi liveza ukuqhathanisa okwenziwe lula. Izindleko zangempela zingahluka kakhulu ezimeni ngazinye.

Ukuzikhulula: Lawa mabanga wezindleko yizilinganiso futhi angahluka kakhulu ngokuya ngezinto ezinjengezinga lomdlavuza, indawo, ukwelashwa okuthile, kanye nokwelashwa okuthile, kanye nomshuwalense. Xhumana nomhlinzeki wakho wezokunakekelwa kwempilo kanye nomshuwalense imininingwane efanele yezindleko.

Lolu lwazi luhloselwe ulwazi olujwayelekile kanye nezinhloso zolwazi kuphela, futhi alwenzi izeluleko zezokwelapha. Hlala uthintana nomuntu ochwepheshe bezokunakekelwa kwezempilo ofanelekayo kunoma yikuphi ukukhathazeka ngempilo noma ngaphambi kokwenza noma yiziphi izinqumo ezihlobene nempilo noma yokwelashwa kwakho.

Imithombo: (Lesi sigaba sizofaka izingcaphuno kumawebhusayithi wezokwelapha adumile namaphephabhuku maqondana nezindleko zokwelashwa komdlavuza. Lesi sigaba sizodinga ukulungiswa ngemithombo ethile, eqinisekayo ekhasini lezinto.)