
Ukufumana okufikelelekayo Ichemo etshiphu kunye nonyango lwemitha yomhlaza wemiphungaEli nqaku liphonononga iinketho zokulawula iindleko ezinxulumene nonyango lomhlaza wemiphunga, ligxile kwichemotherapy kunye nonyango lwemitha. Sixoxa ngezicwangciso zokufikelela kukhathalelo olufikelelekayo, ukukhangela ukhuseleko lwe-inshurensi, kunye nokufumana iinkqubo zoncedo lwemali. Ulwazi olunikiweyo lololwazi ngokubanzi kwaye aluquki iingcebiso zonyango. Soloko udibana nomboneleli wakho wezempilo ngezicwangciso zonyango olulolwakho.
Unyango lomhlaza wemiphunga, kuquka Chemo etshiphu kunye nonyango lwemitha yomhlaza wemiphunga, kunokuba lucelomngeni lwemali kubaguli abaninzi neentsapho zabo. Iindleko ezinxulumene nechemotherapy, unyango lweradiation, amayeza, ukuhlala esibhedlele, kunye nokhathalelo olulandelayo lunokongezeleka ngokukhawuleza. Ukuqonda iinketho zakho kunye nokuhlola iindlela ezahlukeneyo zokunciphisa iindleko kubalulekile.
Inyathelo lokuqala kukuqonda kakuhle ipolisi yakho ye-inshurensi yezempilo. Hlaziya iinkcukacha zakho ze-inshorensi, kubandakanywa ii-deductibles, i-co-pays, kunye ne-out-of-pocket maximums. Qhagamshelana nomboneleli wakho we-inshurensi ngokuthe ngqo ukucacisa nakuphi na ukungaqiniseki malunga nokhuseleko lwechemotherapy, unyango lweradiation, kunye neendleko ezinxulumene noko. Buza malunga neemfuno zogunyaziso lwangaphambili kunye nenkqubo yokufaka amabango.
Imibutho emininzi inikezela ngeenkqubo zoncedo lwemali kubantu abajongene nomhlaza. Ezi nkqubo zinokubonelela ngeegranti, izibonelelo, okanye uncedo lokubhatala ngokubambisana ukunceda ukuhlawula iindleko zonyango. Eminye imibutho ephawulekayo ibandakanya i-American Cancer Society, iZiko leSizwe loMhlaza, kunye neSiseko soMmeli wezigulane. Ukuphanda nokufaka izicelo kwezi nkqubo kunokunciphisa kakhulu umthwalo wakho wemali. Khumbula ukujonga iimfuno zokufaneleka kunye nemihla yokugqibela yesicelo.
Ungalibazisi ukuthethathethana ngamatyala onyango. Izibhedlele kunye nababoneleli bezempilo bahlala bekulungele ukusebenzisana nezigulane ukwenza izicwangciso zokuhlawula okanye ukunciphisa iindleko ezipheleleyo. Yiba nomdla ekuxoxeni ngemida yakho yezemali kwaye ujonge iinketho ezifana nezicwangciso zentlawulo, izaphulelo, okanye ukhathalelo lwesisa.
Ukuthatha inxaxheba kulingo lwezonyango kunokunika ufikelelo kunyango olukwinqanaba eliphezulu ngexabiso elithotyiweyo okanye ngaphandle kweendleko. Ulingo lwezonyango zizifundo zophando ezenzelwe ukuvavanya unyango olutsha okanye unyango. Nangona ingezizo zonke iimvavanyo zeklinikhi ezibonelela ngoncedo lwezemali, ezininzi zibonelela ngokhathalelo lwezonyango lwasimahla, kubandakanywa Chemo etshiphu kunye nonyango lwemitha yomhlaza wemiphunga, ukuze ubani abe nenxaxheba. Xoxa ngeendlela zolingo lwezonyango kunye ne-oncologist yakho.
Iindleko zokhathalelo zinokuhluka kakhulu ngokuxhomekeke kumboneleli wezempilo. Ukuphanda izibhedlele ezahlukeneyo kunye neekliniki kwindawo yakho kunokukunceda ukuba uchonge iindlela ezibonelela ngamaxabiso akhuphisanayo kunye neenkqubo zoncedo lwezemali. Unokucinga ngokuqhagamshelana nezixhobo ezifana ne IZiko loPhando ngoMhlaza laseShandong Baofa ukubuza malunga neenkonzo zabo kunye namaxabiso.
Funa inkxaso kumaqela axhasa izigulane kunye nemibutho yenkxaso yomhlaza. Le mibutho ihlala ibonelela ngezibonelelo ezixabisekileyo, kubandakanywa uncedo lwemali, ingcebiso, kunye nenkxaso yeemvakalelo. Banokukukhokela kwiingxaki zokujonga iindleko zokhathalelo lwempilo kunye nokufikelela kwizibonelelo ezikhoyo.
Le theyibhile ilandelayo inika uthelekiso ngokubanzi lweendleko zonyango ezinokubakho. Qaphela: Le yimizekelo eyimizekelo kwaye iindleko zokwenyani ziya kwahluka kakhulu ngokusekelwe kwiimeko zomntu ngamnye, indawo, kunye nesicwangciso sonyango. Soloko udibana nomboneleli wakho wezempilo ukuze ufumane uqikelelo lweendleko ezichanekileyo.
| Uhlobo loNyango | Uluhlu lweendleko ezinokwenzeka (USD) |
|---|---|
| Unyango ngamachiza (ngomjikelo) | $5,000 - $15,000 |
| Unyango ngemitha (ngeseshini nganye) | $200 - $500 |
| Ukuhlala esibhedlele (ngosuku) | $1,000 - $5,000 |
Khumbula, ukufuna okufikelelekayo Chemo etshiphu kunye nonyango lwemitha yomhlaza wemiphunga kufuna ucwangciso olusebenzayo kunye nophando. Ngokuqonda i-inshorensi yakho, ukujonga iinkqubo zoncedo lwezemali, kunye nothethathethwano ngamatyala onyango, unokuwuthoba kakhulu umthwalo wemali onxulumene nesi sifo.
Ukuziphendulela: Olu lwazi lujoliswe kulwazi ngokubanzi kunye neenjongo zolwazi kuphela, kwaye alubandakanyi iingcebiso zonyango. Kubalulekile ukudibana nengcali yokhathalelo lwempilo kuyo nayiphi na inkxalabo yezempilo okanye ngaphambi kokuba wenze naziphi na izigqibo ezinxulumene nempilo yakho okanye unyango.
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