
Eli nqaku linika isishwankathelo esibanzi semithwalo yemali ehambelana nayo isifo sezintso cheap unyango kwaye iphonononge izicwangciso zokulawula ezi ndleko. Siza kujonga iindlela ezahlukeneyo zonyango, ukhuseleko lwe-inshurensi, iinkqubo zoncedo lwemali, kunye nohlengahlengiso lwendlela yokuphila ezinokunceda ukunciphisa iindleko. Funda indlela yokujongana nobunzima beendleko zonyango ngelixa ubeka phambili impilo yakho.
Iindleko zokulawula isifo sezintso cheap iyahluka kakhulu ngokuxhomekeke kwinqanaba lesi sifo, indlela yonyango ekhethiweyo, kunye neemeko zomntu ngamnye. Amanqanaba okuqala asenokubandakanya iindleko eziphantsi ngokwentelekiso ezijolise kutshintsho lwendlela yokuphila kunye nokubeka iliso rhoqo. Nangona kunjalo, njengoko isifo siqhubela phambili, iindleko zinokunyuka ngokumangalisayo. I-Dialysis, unyango oluqhelekileyo lwe-end-stage renal disease (ESRD), lunokubiza kakhulu, luhlala lufuna iiseshoni ezininzi ngeveki. Utyando lwezintso, ngelixa lutshintsha ubomi, lubandakanya iindleko eziphambili zotyando, amayeza kunye nokhathalelo lwasemva kotyando. Ezi ndleko zinokugqithisa ngokukhawuleza abantu kunye neentsapho ngaphandle kwe-inshorensi eyaneleyo okanye izibonelelo zemali.
I-Dialysis, ebandakanya ukuhluzwa kwenkunkuma egazini, lunyango olubalulekileyo kubantu abaneESRD. Kukho iintlobo ezimbini eziphambili: i-hemodialysis (eyenziwe ekliniki okanye ekhaya) kunye ne-peritoneal dialysis (eyenziwe ekhaya). Iindleko ze-hemodialysis zinokusuka kumakhulu ambalwa ukuya ngaphezulu kwewaka leedola ngeseshoni, kuxhomekeke kwindawo kunye nendawo ethile. Izixhobo ze-peritoneal dialysis kunye nezibonelelo zikwabonisa iindleko eziqhubekayo. Iimpembelelo zemali zexesha elide ze-dialysis zinkulu, kwaye kubalulekile ukuqonda ezi ndleko ngaphambi kokuba uqalise unyango.
Uqhaqho-fakelo lwezintso lubonelela ngenye indlela enokusindisa ubomi kwi-dialysis. Nangona kunjalo, iindleko zokuqala zotyando, ukulaliswa esibhedlele, kunye nokhathalelo lwasemva kotyando lunokuba lukhulu. Ngapha koko, amayeza e-immunosuppressant ubomi bonke ayimfuneko ukuthintela ukwaliwa kwamalungu, ukongeza kwindleko eqhubekayo. Iindleko zokutshintshwa kwezilwanyana zinokuhluka ngokuxhomekeke kwisibhedlele kunye neemeko ezithile zesigulane. Ngelixa ngokubanzi ukhetho oluneendleko eziphezulu kwixesha elide xa kuthelekiswa ne-dialysis yobomi bonke, iindleko zangaphambili zihlala zingumqobo obalulekileyo kwabaninzi.
Ukulawula ngempumelelo umthwalo wemali we isifo sezintso cheap unyango lufuna isicwangciso esisebenzayo kunye nendlela ebanzi. Amaqhinga amaninzi anokunceda ukunciphisa iindleko:
Ukuqonda i-inshurensi yempilo yakho kubalulekile. Izicwangciso ezininzi ze-inshorensi zibandakanya inxalenye enkulu ye-dialysis kunye neendleko zokutshintshwa, kodwa iindleko ezingaphandle kwepokotho zisenokuba zikhulu. Uphando kunye nokufikelela kwiinkqubo zoncedo lwezemali ezikhoyo, ezifana nezo zinikezelwa ngamaziko karhulumente (umzekelo, i-Medicare kunye ne-Medicaid e-US) okanye imibutho yesisa, iyacetyiswa kakhulu. Ezi nkqubo zinokuwunciphisa kakhulu umthwalo wemali ngokubanzi.
Ungalibazisi ukuthethana nababoneleli bezempilo. Buza malunga nezicwangciso zentlawulo, izaphulelo, kunye nokhetho loncedo lwemali. Izibhedlele kunye neekliniki zinokuvuma ukusebenza nezigulana ukwenza amalungiselelo entlawulo afikelelekayo. Ukungafihli kunye nonxibelelwano oluvulekileyo ngundoqo ekujonganeni nobunzima benkxaso-mali yokhathalelo lwempilo.
Utshintsho oluthile lwendlela yokuphila lunokunceda ukulibazisa ukuqhubeka kwe isifo sezintso cheap kunye nokunciphisa imfuno yonyango oluxabisa kakhulu. Olu tshintsho ludla ngokubandakanya ukutya okunempilo, ukulawula uxinzelelo lwegazi kunye nesifo sikashukela, kunye nokugcina ubunzima obunempilo. La manyathelo othintelo anokonga imali eninzi kakhulu ekuhambeni kwexesha. Ngaphaya koko, ukugcina indlela yokuphila esempilweni kunokuphucula umgangatho wobomi bubonke, kungajongwanga imiba yezemali.
Ukuhlangabezana nayo isifo sezintso cheap ibandakanya ucelomngeni lomzimba nolweemvakalelo. Ukufuna inkxaso kwintsapho, kubahlobo nakumaqela enkxaso kunokuba luncedo. Imibutho emininzi inikezela ngezibonelelo kunye nolwazi ukunceda izigulana kunye neentsapho zabo zijongane nemingeni yesifo sezintso. Ezi zibonelelo zihlala zibonelela ngesikhokelo kwiinkqubo zoncedo lwemali, ukhetho lonyango, kunye nenkxaso yeemvakalelo.
Khumbula ukubonisana nomboneleli wakho wezempilo kunye nomcebisi wezezimali ukwenza isicwangciso esibanzi sokulawula iindleko zakho. isifo sezintso cheap unyango. Ucwangciso olusebenzayo kunye nokwenziwa kwezigqibo ezinolwazi kubalulekile ukuze ujonge lo mhlaba unzima ngempumelelo.
| UKhetho Lonyango | Iindleko eziqikelelwayo zoNyaka (USD) | Amanqaku |
|---|---|---|
| Hemodialysis | $30,000 - $100,000+ | Iyahluka kakhulu ngokusekwe ngokuphindaphindiweyo kunye nendawo. |
| I-Peritoneal Dialysis | $20,000 - $60,000+ | Kubandakanya izixhobo kunye nezixhobo. |
| UTshintsho Lwezintso | $200,000 - $300,000+ (iindleko zokuqala) | Kubandakanya utyando, ukulaliswa esibhedlele, kunye nokhathalelo lwasemva kotyando; iindleko eziqhubekayo zamayeza zongeziwe. |
I-Disclaimer: Uqikelelo lweendleko olunikezelwe kule theyibhile luqikelelweyo kwaye lunokwahluka kakhulu ngokuxhomekeke kwiimeko zomntu ngamnye, indawo, kunye nomboneleli wezempilo. Olu lwazi alujoliswanga njengengcebiso yezonyango okanye yezemali. Qhagamshelana nomboneleli wakho wezempilo kunye nomcebisi wezezimali malunga nesikhokelo somntu.
Ngolwazi oluthe vetshe malunga nonyango lwesifo sezintso kunye nenkxaso, nceda undwendwele Iziko leSizwe leSifo seswekile kunye neDigestive and Kidney Diseases (NIDDK).
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