iindleko zokhathalelo lwesibhedlele somhlaza

Ukuqonda Iindleko zoNyango lweCancer kwizibhedlele Eli nqaku libonelela ngesikhokelo esibanzi sokuqonda iindleko ezinxulumene neendleko zesibhedlele somhlaza, ezibandakanya iindlela ezahlukeneyo zonyango, ukhuseleko lwe-inshurensi, kunye neenkqubo zoncedo lwezemali. Siphonononga izinto eziphembelela iindleko kwaye sinikezela ngezicwangciso zokujonga imingeni yemali yonyango lomhlaza.

Ukujonga ukuxilongwa komhlaza kulucelomngeni ngokweemvakalelo nangokwezemali. Ukuqonda iindleko ezinokubakho ezinxulumene nazo iindleko zokhathalelo lwesibhedlele somhlaza ibalulekile kucwangciso olusebenzayo namalungiselelo. Esi sikhokelo sichaza iindleko ezahlukeneyo ezibandakanyekayo, kukunceda wenze izigqibo ezinolwazi ngexesha elinzima. Siza kugocagoca kubugocigoci bamatyala ezibhedlele, ukhuseleko lwe-inshorensi, kunye nezibonelelo zoncedo lwemali ezikhoyo ukunciphisa umthwalo weendleko zonyango.

Izinto Ezichaphazela Iindleko Zononophelo Lomhlaza

Uhlobo loNyango kunye neSigaba

Iindleko ze ukhathalelo lomhlaza iyahluka kakhulu ngokuxhomekeke kuhlobo lomhlaza, isigaba sawo ekuxilongeni, kunye nesicwangciso sonyango esiyimfuneko. Ukufunyaniswa kwangoko kunye nomhlaza ongekho ndlongondlongo gabalala kukhokelela ekuthotyweni kweendleko xa kuthelekiswa nezigaba eziphambili ezifuna ichemotherapy ebanzi, iradiation, utyando, okanye unyango olujoliswe kuyo. Umzekelo, utyando lomhlaza webele okwinqanaba lokuqala ludla ngokubiza ngaphantsi konyango lwesifo semetastatic esifuna unyango olubanzi lwenkqubo.

Isibhedlele kunye nendawo

Indawo esikuyo isibhedlele kunye nodumo lwaso nazo zinefuthe elimandla kwiindleko. Amaziko onyango amakhulu kwimimandla yasezidolophini ahlala ebiza amaxabiso aphezulu kunezibhedlele zoluntu ezisemaphandleni. Ubukho bamaziko omhlaza akhethekileyo anobuchwephesha bokusika bunokuba negalelo kwiindleko eziphezulu. Khumbula ukujonga kumnikezeli wakho we-inshurensi nge-in-network ngokuchasene neendleko ezingaphandle kwenethiwekhi kumaziko ahlukeneyo.

Ubude boNyango

Ubude bexesha lonyango ludlala indima ebalulekileyo ekumiseleni iyonke iindleko zokhathalelo lwesibhedlele somhlaza. Olunye unyango, olunjengotyando, lunokugqitywa ngexesha elifutshane, ngelixa ezinye, ezifana ne-chemotherapy okanye unyango lwe-radiation, lunokwandisa ngaphezu kweenyanga eziliqela okanye iminyaka. Okukhona unyango luthatha ixesha elide, kokukhona iyenyuka inkcitho eyongezelekayo.

Iinkonzo ezongezelelweyo

Ngaphandle konyango lomhlaza oluphambili, iinkonzo ezininzi ezincedisayo zinegalelo kwindleko iyonke. Ezi ziquka ukubonisana neengcali (i-oncologists, oogqirha botyando, i-radiologists), iimvavanyo zebhubhoratri, izifundo zokucinga (i-CT scans, i-MRIs, i-PET scans), amayeza, ukubuyisela, kunye neenkonzo zokunakekelwa kwenkxaso.

I-Inshorensi yoNcedo kunye noNcedo lwezeMali

IziCwangciso ze-Inshurensi kunye neNkcazo

Uninzi lwezicwangciso zeinshorensi eUnited States zihlawulela ubuncinci inxalenye ye iindleko zokhathalelo lwesibhedlele somhlaza, kodwa i-inshorensi ethile inokwahluka ngokubanzi ngokuxhomekeke kuyilo lwesicwangciso, i-deductible yakho, kunye neemfuno ze-inshurensi yokubambisana. Hlaziya iinkcukacha zepolisi yakho ngononophelo ukuze uqonde iindleko zakho eziphuma epokothweni. Kwiimeko ezininzi, ugunyaziso lwangaphambili oluvela kwinkampani yeinshurensi luyafuneka kunyango oluthile.

IiNkqubo zoNcedo lweMali

Imibutho emininzi ibonelela ngoncedo lwemali kwizigulana ezinomhlaza ezisokola ngamaxabiso aphezulu onyango. Ezi nkqubo zinokubandakanya izibonelelo, uncedo lokubhatala ngokubambisana, kunye nenkxaso yamayeza. Iwebhusayithi yeNational Cancer Institute (https://www.cancer.gov/) inikezela ngobutyebi bolwazi kunye nezibonelelo zokukunceda ufumane iinkqubo ezifanelekileyo zoncedo lwemali. Ezinye izibhedlele zikwanazo neenkqubo zazo zoncedo lwezemali okanye zinokukuqhagamshelanisa nezibonelelo zasekuhlaleni.

UCwangciso kunye noHlahlo-lwabiwo-mali lweeNdleko zoKhathalelo loMhlaza

Ucwangciso olusebenzayo lubalulekile ekulawuleni imiba yezemali yonyango lomhlaza. Uphonononge ngononophelo ipolisi yakho ye-inshorensi, kwaye ucinge ngokujonga iinkqubo zoncedo lwemali kwangethuba kwinkqubo yonyango. Izibhedlele ezininzi zinabacebisi bezemali abazinikeleyo abanokuncedisa ngokujonga i-inshurensi kunye neendlela zoncedo lwezemali. Unxibelelwano oluvulekileyo neqela lakho lezempilo malunga neenkxalabo zeendleko lubalulekile. Khumbula, iZiko loPhando ngoMhlaza laseShandong Baofa (https://www.baofahospital.com/) uzinikele ekunikeni ukhathalelo olubanzi lomhlaza, kwaye iqela labo linokubonelela ngenkxaso ebalulekileyo kulo lonke uhambo lwakho.

Uhlalutyo lweendleko ezithelekisekayo (Umzekelo ongumzekelo)

Unyango	Uluhlu lweendleko eziqikelelweyo (USD)
Uqhaqho (Inqanaba lokuqala loMhlaza wamabele)	$20,000 - $50,000
Unyango ngamachiza (iMijikelo eNinzi)	$30,000 - $80,000
Unyango ngemitha	$10,000 - $30,000

Qaphela: Olu luhlu lweendleko luyimifanekiso kwaye lunokwahluka kakhulu ngokuxhomekeke kwizinto ezahlukeneyo.

Khumbula ukuba uhlala udibana nomboneleli wakho wezempilo kunye nenkampani yeinshurensi malunga noqikelelo lweendleko ezichanekileyo ezinxulumene nemeko yakho ethile.