Umhlaza wemiphunga onexabiso eliphantsi kufutshane nam

Ukufumana uKhathalelo loMhlaza weMiphuphu olufikelelekayo: Isikhokelo soKhetho kunye neZibonelelo

Esi sikhokelo sibonelela ngolwazi oluyimfuneko kubantu abafuna ukufikeleleka umhlaza wemiphunga ophantsi kufutshane nam iinketho. Siphonononga iindlela ezahlukeneyo zokufikelela kukhathalelo olusemgangathweni ngelixa silawula iindleko, kubandakanywa iinketho zonyango, iinkqubo zoncedo lwezemali, kunye nezibonelelo zokuhamba kwinkqubo yokhathalelo lwempilo. Ukuqonda ukhetho lwakho kunye nenkxaso ekhoyo kubalulekile kuhambo lwakho.

Ukuqonda Iindleko zoNyango loMhlaza weMiphunga

Unyango lomhlaza wemiphunga lunokubiza imali eninzi, luquka utyando, ichemotherapy, unyango lweradiation, unyango olujoliswe kuyo, kunye nonyango lwamajoni omzimba. Iindleko ezipheleleyo zihluka kakhulu ngokuxhomekeke kwinqanaba lomhlaza, isicwangciso sonyango esikhethiweyo, kunye neemeko zomntu ngamnye. Ukuqonda ezi yantlukwano kubalulekile ekucwangciseleni iindleko ezinokubakho.

Imiba enefuthe kwiindleko

Ziliqela izinto ezinegalelo kwiindleko zizonke ze umhlaza wemiphunga ophantsi kufutshane nam unyango. Ezi ziquka uhlobo nobungakanani botyando olufunekayo, inani lechemotherapy okanye unyango lwemitha, uhlobo lwamayeza amiselweyo, nobude bexesha lonyango. Ubuninzi botyelelo lukagqirha kunye novavanyo loxilongo nalo ludlala indima.

Ukuphonononga iindlela zoNyango olufikelelekayo

Ngelixa iindleko zonyango lomhlaza wemiphunga zinokoyikisa, zininzi iindlela ezikhoyo zokufikelela kukhathalelo olufikelelekayo. Olu khetho lusukela kwiinkqubo zoncedo lukarhulumente ukuya kwimibutho yesisa kunye nolingo lwezonyango.

IiNkqubo zoNcedo zikaRhulumente

Amazwe amaninzi abonelela ngeenkqubo zokhathalelo lwempilo ezixhaswa ngurhulumente ezihlawulela ngokuyinxenye okanye ngokupheleleyo iindleko zonyango lomhlaza. Iikhrayitheriya zokufaneleka ziyahluka, kuxhomekeke kwizinto ezifana nenqanaba lomvuzo, ubudala, kunye nobume bokuba ngummi. Phanda iinketho zakho zengingqi ukumisela ukufaneleka kwakho kuncedo lukarhulumente ukulawula iindleko zakho umhlaza wemiphunga ophantsi kufutshane nam unyango.

Imibutho yesisa kunye neZiseko

Imibutho eliqela yesisa ezinikele ekuncedeni abaguli abanomhlaza ibonelela ngoncedo lwemali, iinkonzo zenkxaso, kunye nezibonelelo. Le mibutho isoloko ibonelela ngezibonelelo, izibonelelo, okanye uncedo ngamatyala ezonyango. Imibutho yophando kwindawo yakho egxile kwinkxaso yomhlaza wemiphunga ukuhlola iinkqubo zoncedo lwemali. Imizekelo ibandakanya i-American Lung Association kunye neLeukemia & Lymphoma Society. Iiwebhusayithi zabo zihlala zibonelela ngolwazi malunga neenkqubo zoncedo lwemali kwizigulana ezifanelekileyo.

Iimvavanyo zeklinikhi

Ukuthatha inxaxheba kulingo lwezonyango kunokunika ufikelelo kunyango olusezantsi ngexabiso elithotyiweyo, okanye simahla. Ulingo lwezonyango luvavanya ukusebenza kunye nokhuseleko lonyango olutsha kwaye kaninzi lubandakanya iindleko ezinxulumene nabathathi-nxaxheba. Qhagamshelana ne-oncologist yakho ukumisela ukufaneleka kwakho kulingo olufanelekileyo lwezonyango.

Ukujonga iNkqubo yokhathalelo lwempilo

Ukujonga inkqubo yokhathalelo lwempilo ngexesha lokuxilongwa komhlaza kunokuba nzima. Ukuqonda amalungelo akho njengesigulana, ukufunda ngokhuseleko lwe-inshorensi, kunye nokufuna isikhokelo sobuchule ngamanyathelo abalulekileyo okulawula iindleko kunye nobunzima bokhathalelo lwakho. Ukufuna ingcebiso kumaqela axhasa izigulane kunokuba luncedo.

Ukhuseleko lwe-inshurensi

Hlaziya ipolisi yakho ye-inshurensi ukuze uqonde ukhuseleko lwakho lonyango lomhlaza wemiphunga. Qaphela i-co-pays, i-deductibles, kunye ne-out-of-pocket maximums. Ukuba awukhuselwanga okanye awukhuselwanga, ukujonga iindlela ezifana neMedicaid okanye i-CHIP kunokubaluleka. Hlala ucacisa iinkcukacha zokuhlawula kunye nomboneleli wakho wezempilo kunye nenkampani ye-inshurensi ukuphepha iindleko ezingalindelekanga.

Izibonelelo zoNcedo lweMali

Izibonelelo ezininzi zibonelela ngoncedo lwemali kwizigulana ezinomhlaza. Oku kubandakanya iiwebhusayithi, iindlela zoncedo, kunye namaqela enkxaso. Hlala uqinisekisa iimfuno zokufaneleka ngaphambi kokufaka isicelo sayo nayiphi na inkqubo. Izibhedlele ezininzi kunye namaziko omhlaza nawo anikezela ngeenkqubo zawo zoncedo lwemali.

Khumbula, ukufumana okufikelelekayo umhlaza wemiphunga ophantsi kufutshane nam Ukhathalelo lufuna uphando olusebenzayo kunye nocwangciso. Ukusebenzisa izibonelelo kunye neenketho ezichazwe ngasentla kunokunceda ukunciphisa imithwalo yemali kunye nokugxila ekufumaneni unyango olungcono kakhulu.

I-Disclaimer: Olu lwazi lujoliswe kwiinjongo zemfundo kuphela kwaye aluyiyo ingcebiso yezonyango. Qhagamshelana nomboneleli wakho wezempilo ngesikhokelo somntu kunye nonyango onokukhetha kulo.