Ixabiso eliphantsi lesifo sezintso

Ukuqonda kunye nokulawula iindleko zoNyango lweSifo sezintso

Eli nqaku libonelela ngenkcazo ebanzi yemithwalo yemali ehambelana nonyango lwesifo sezintso kwaye iphonononga izicwangciso zokulawula ezi ndleko. Sihlola iindlela ezahlukeneyo zonyango, ukhuseleko lwe-inshurensi, iinkqubo zoncedo lwemali, kunye nohlengahlengiso lwendlela yokuphila olunokunceda ukunciphisa iindleko. Funda indlela yokukhangela ubunzima be isifo sezintso iindleko cheap kunye nokufikelela kukhathalelo olufikelelekayo.

Ukuqonda Iindleko Zonyango Lwezifo Zezintso

Uxilongo kunye noVavanyo lokuQala

Iindleko zokuqala zokuxilonga isifo sezintso zinokuhluka ngokuxhomekeke kwiimvavanyo ezifunekayo. Oku kunokubandakanya uvavanyo lwegazi, iimvavanyo zomchamo, kunye nezifundo zokucinga ezifana ne-ultrasounds. Iindleko zolu vavanyo zinokuhluka kakhulu, ziphenjelelwa yimiba efana ne-inshorensi yakho kunye nezibonelelo ezithile ezisetyenzisiweyo. Izicwangciso ezininzi ze-inshorensi zibandakanya inxalenye yezi ndleko zokuxilonga, kodwa iindleko eziphuma epokothweni zinokwenzeka.

IiNdlela zoNyango kunye neeNdleko eziNxulumene nazo

Izinketho zonyango lwesifo sezintso zivela kulawulo olulondolozayo ukuya kwi-dialysis kunye nokutshintshwa kwezintso. Iindleko ezinxulumene nayo nganye zohluka kakhulu. Ulawulo olulondolozayo lubandakanya ukulawula iimpawu kunye nokunciphisa ukuqhubela phambili kwesifo ngokutshintsha indlela yokuphila kunye namayeza. Oku kudla ngokukhokelela kwiindleko eziphantsi zangaphambili kodwa zinokuqokelelwa ngokuhamba kwexesha. I-Dialysis, kwelinye icala, lunyango olubiza kakhulu lwexesha elide. Iindleko ze-dialysis ziyahluka ngokuxhomekeke kuhlobo (i-hemodialysis okanye i-peritoneal dialysis), i-frequency, kunye nendawo yonyango. Ukufakelwa kwezintso, nangona kubiza kakhulu ngaphambili, kunokuba neendleko eziphezulu kwixesha elide xa kuthelekiswa ne-dialysis yobomi bonke. Iindleko zibandakanya utyando, ukulaliswa esibhedlele, amayeza okuthomalalisa amajoni omzimba, kunye nokhathalelo lwasemva kotyando. Izinto ezininzi, kubandakanywa nesidingo samayeza achasene ne-rejection, sinokuchaphazela ixesha elide isifo sezintso iindleko cheap.

Iindleko zamayeza

Amayeza adlala indima ebalulekileyo ekulawuleni isifo sezintso, amaxesha amaninzi echaphazela ngokubanzi isifo sezintso iindleko cheap. La mayeza anokubandakanya amayeza oxinzelelo lwegazi, i-phosphate binders, kunye ne-erythropoietin-stimulating agents. Iindleko zala mayeza ziyahluka ngokuxhomekeke kumachiza athile amiselweyo kunye ne-inshorensi yakho. Iinketho zeGeneric zihlala zikhona kwaye zinokubiza kakhulu kunezinye iindlela zegama lebhrendi.

Ubuchule bokuLawulwa kweeNdleko zeSifo sezintso

Ukhuseleko lwe-inshurensi

Ukuqonda i-inshurensi yempilo yakho kubalulekile. Phonononga ipolisi yakho ngononophelo ukumisela ukuba yeyiphi na ipesenti yeendleko zonyango eziya kuhlawulwa yi-inshurensi yakho. Buza malunga ne-co-pays, i-deductibles, kunye ne-out-of-pocket maximums. I-Medicare kunye ne-Medicaid zibonelela ngonyango lwezifo ezininzi zezintso, nangona izibonelelo ezithile ziyahluka. Ukuphonononga iinketho ze-inshurensi ezongezelelweyo kunokuba luncedo ekunciphiseni iindleko eziphuma epokothweni.

IiNkqubo zoNcedo lweMali

Imibutho emininzi ibonelela ngeenkqubo zoncedo lwemali kwizigulana ezisokola ngamaxabiso aphezulu zonyango lwesifo sezintso. Ezi nkqubo zinokubonelela ngeegranti, inkxaso-mali, okanye uncedo lokubhatala ngokubambisana. Ezinye iinkampani ezixuba amayeza zikwabonelela ngeenkqubo zokunceda izigulana ukunceda izigulana ukuba zithenge amayeza azo. Kubalulekile ukwenza uphando kwaye ufake izicelo zezi nkqubo kwangoko kangangoko kunokwenzeka.

Uhlengahlengiso Lwendlela Yokuphila

Ukwamkela indlela yokuphila enempilo kunokufaka isandla kulawulo olungcono lwesifo kwaye kunokunciphisa iindleko zonyango. Oku kuquka ukulandela ukutya okulungele izintso, ukugcina ubunzima obusempilweni, nokulawula uxinzelelo lwegazi kunye nesifo seswekile. La manyathelo othintelo anokunceda ukulibazisa okanye ukunciphisa imfuno yonyango olunzulu kunye neendleko.

Iindleko zokuthelekisa zoNyango lweSifo sezintso

UKhetho Lonyango	I-Avareji yeendleko zoNyaka (USD)	Amanqaku
Ulawulo loLondolozo	$5,000 - $15,000	Iguquguquka kakhulu ngokuxhomekeke kwiimfuno zamayeza.
Hemodialysis	$70,000 - $100,000+	Iindleko ngenxa yonyango rhoqo kunye neengxaki ezinokubakho.
I-Peritoneal Dialysis	$40,000 - $70,000	Ingabizi kakhulu kunehemodialysis kwiimeko ezithile.
UkuTyelwa kwezintso	$200,000 - $300,000+ (eyokuqala)	Iindleko eziphezulu zangaphambili, kodwa zingabiza ngaphantsi kwixesha elide kune-dialysis. Iyeza eliqhubekayo le-immunosuppressant longeza kwiindleko.

Qaphela: Olu luqikelelo oluyi-avareji kwaye iindleko zokwenyani zinokwahluka ngokuphawulekayo ngokusekelwe kwiimeko zomntu ngamnye, indawo yendawo, kunye nokhuseleko lwe-inshurensi. Thetha nomboneleli wakho wezempilo kunye nenkampani yeinshurensi malunga noqikelelo lweendleko ezichanekileyo.

Ngolwazi oluthe kratya malunga nonyango lwesifo sezintso kunye nenkxaso, unganqwenela ukudibana nengcali kwi IZiko loPhando ngoMhlaza laseShandong Baofa.

I-Disclaimer: Eli nqaku lenzelwe iinjongo zolwazi kuphela kwaye aliyiyo ingcebiso yezonyango. Soloko udibana nengcali yokhathalelo lwempilo kuyo nayiphi na inkxalabo yezempilo okanye ngaphambi kokuba wenze naziphi na izigqibo ezinxulumene nempilo okanye unyango lwakho.