
Esi sikhokelo sibanzi siphonononga izinto eziphembelela iindleko zonyango lwethumba lebele, sikunceda ukuba ujonge ubunzima bemali obubandakanyekayo. Siza kujonga iindlela ezahlukeneyo zonyango, iindleko ezinokubakho, kunye nemithombo ekhoyo yokulawula iindleko. Ukuqonda ezi zinto kukuxhobisa ukuba wenze izigqibo ezizizo malunga nokhathalelo lwakho lwezempilo.
Iindleko ze unyango lwebele ithumba cheap iyahluka kakhulu ngokuxhomekeke kuhlobo lwethumba lebele kunye nenqanaba lalo ekuxilongeni. Umhlaza wamabele wakwinqanaba lakwangoko kaninzi ufuna unyango oluncinci, olunokuthi lunciphise iindleko zizonke. Nangona kunjalo, umhlaza wenqanaba eliphezulu unokufuna ungenelelo olunamandla kunye neendleko ezinje ngechemotherapy, unyango lweradiation, kunye notyando.
Iinkqubo ezithile kunye namayeza asetyenzisiweyo kwisicwangciso sakho sonyango ziya kuba nefuthe kakhulu kwiindleko zizonke. Iinkqubo zotyando, ezifana ne-lumpectomy okanye i-mastectomy, ziyahluka ngobunzima kunye nobude bexesha, ezichaphazela i-bill yokugqibela. Ngokufanayo, iindleko zamachiza e-chemotherapy kunye nonyango olujoliswe kuyo lunokwahluka kakhulu kuxhomekeke kuhlobo lwamayeza kunye nobude bonyango. Iindleko zonyango ngemitha ziya kuxhomekeka kwinani leeseshoni ezifunekayo.
Ukukhethwa kwesibhedlele kunye neentlawulo zogqirha kunegalelo elikhulu kwindleko iyonke. Izibhedlele ezisezidolophini okanye amaziko onyango adumileyo ahlala ebiza imali eninzi kunezo zisemaphandleni okanye kumaziko amancinci. Imirhumo kaGqirha inokwahluka ngokusekelwe kumava, ubungcali, kunye nendawo. Ukhuseleko lwe-inshurensi lunokuba nefuthe kakhulu kwezi ndleko.
Ubude bonyango lwakho kunye nexesha lokubuyisela lichaphazela ngqo ixabiso elipheleleyo. Ubude bexesha elide lonyango lithetha ukuqeshwa kwamayeza amaninzi, amayeza, kunye nokuhlala esibhedlele okunokwenzeka, nto leyo inokukhokelela kwiindleko eziphezulu. Ubude bexesha buxhomekeke kwimpendulo yomntu ngamnye kunyango kunye nohlobo lwethumba.
Ngaphandle kweendleko zokuqala zonyango, ezinye iindleko ezongezelelweyo zinokuvela. Oku kunokubandakanya iimvavanyo zokuxilonga, iintlawulo zelebhu, iinkonzo ze-pathology, amayeza okulawula iziphumo ebezingalindelekanga, kunye nokuqeshwa kokulandelela. Ukuthutha ukuya nokubuya kumadinga kunokongeza umthwalo wemali obungalindelekanga.
I-inshurensi yezempilo idlala indima ebalulekileyo ekulawuleni iindleko ze unyango lwebele ithumba cheap. Kubalulekile ukuqonda isicwangciso sakho se-coverage, i-deductibles, i-co-pays, kunye ne-out-of-pocket maximums. Ababoneleli abaninzi be-inshurensi banikezela ngeenkqubo zoncedo lwemali okanye izixhobo.
Imibutho emininzi ibonelela ngeenkqubo zoncedo lwezemali ukunceda abantu kunye neentsapho ezijongene namatyala aphezulu ezonyango. Ezi nkqubo zinokuhlawula inxalenye okanye zonke iindleko zonyango. Imibutho efana ne-American Cancer Society kunye neNational Breast Cancer Foundation inikezela ngezibonelelo kunye nenkxaso. Ngalo lonke ixesha uphanda ezi ndlela kwangethuba kwisicwangciso sakho sonyango.
Kuyenzeka ukuthethathethana ngamatyala onyango kunye nababoneleli ngenkathalo yezempilo. Izibhedlele ezininzi kunye noogqirha bazimisele ukusebenzisana nezigulana ukwenza izicwangciso zokuhlawula okanye ukunciphisa iindleko. Soloko uphonononga olu khetho ukuze unciphise umthwalo wakho wemali.
Ukuthatha inxaxheba kulingo lwezonyango ngamanye amaxesha kunokunika ufikelelo kunyango lwasimahla okanye oluthotyiweyo. Olu lingo luhlala lubonelela ngonyango olukumgangatho ophezulu, kodwa uthatho-nxaxheba lufuna ukuhlangabezana neendlela ezithile zokufaneleka. Qhagamshelana ne-oncologist yakho ukufumana ngakumbi.
| Uhlobo loNyango | Uluhlu lweendleko eziqikelelweyo (USD) |
|---|---|
| Uqhaqho (Lumpectomy) | $5,000 - $20,000 |
| Utyando (Mastectomy) | $10,000 - $30,000 |
| Unyango ngamachiza (ngomjikelo) | $500 - $5,000 |
| Unyango ngemitha (ikhosi epheleleyo) | $5,000 - $15,000 |
Qaphela: Ezi zizintlu ezibonisa iindleko kwaye zinokwahluka kakhulu ngokusekelwe kwindawo, unyango oluthile, kunye nezinye izinto. Dibana nomboneleli wakho wezempilo ukuze ufumane uqikelelo lweendleko ezichanekileyo.
Ukufumana ulwazi oluthe kratya kunye nenkxaso, qwalasela ukuhlola izixhobo ezivela kwimibutho ehloniphekileyo efana ne Umbutho womhlaza waseMelika kunye ne Isiseko somhlaza webele weSizwe.
Ngokhetho lonyango olulolwakho kunye noqikelelo lweendleko, cinga ngokuqhagamshelana IZiko loPhando ngoMhlaza laseShandong Baofa ukudibana. Banikezela ngonyango oluphezulu kunye nezibonelelo. Khumbula ukuhlala uxoxa ngeenkxalabo zakho zemali ngokuphandle neqela lakho lezempilo.
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