
Eli nqaku liphonononga izinto eziphembelela iindleko eziphuma epokothweni zonyango lomhlaza wedlala lesinyi, linikezela ngezimvo kwiinketho ezingabizi kakhulu kunye nezibonelelo ezikhoyo. Siza kuphonononga iindlela ezahlukeneyo zonyango, ukhuseleko lwe-inshurensi, iinkqubo zoncedo lwemali, kunye nezicwangciso zokulawula iindleko ukukunceda ukuba ujonge lo mba wokhathalelo lomhlaza wedlala lesidoda. Funda indlela yokunciphisa yakho Ixabiso eliphantsi epokothweni yeendleko zonyango lomhlaza wedlala lesinyi kunye nokufikelela kukhathalelo olusemgangathweni.
Uhlobo lonyango lomhlaza wesibeleko lunempembelelo enkulu kwiindleko zizonke. Umhlaza wedlala lobudoda okwinqanaba lokuqala unokubandakanya iinkqubo ezingangeneleli ezifana nokucupha okusebenzayo, unyango ngemitha (imitha yemitha yangaphandle okanye ibrachytherapy), okanye utyando (radical prostatectomy), ekhokelela ekunciphiseni okunokwenzeka. Ixabiso eliphantsi epokothweni yeendleko zonyango lomhlaza wedlala lesinyi. Umhlaza okwinqanaba eliphezulu kaninzi ufuna unyango olubanzi nolunexabiso eliphezulu, olunjengonyango lwehomoni, ichemotherapy, okanye unyango olujoliswe kulo. Inqanaba lomhlaza ekuxilongeni lichaphazela kakhulu ukhetho lonyango kwaye, ngenxa yoko, iindleko.
Isicwangciso sakho se-inshurensi yezempilo sidlala indima ebalulekileyo ekumiseleni iindleko zakho eziphuma epokothweni. I-Deductibles, i-co-pays, kunye ne-coinsurance zonke zinegalelo kwiindleko zokugqibela. Ukuqonda ukhuseleko lomgaqo-nkqubo wakho wonyango lomhlaza wedlala lesinyi, kubandakanywa iinkqubo ezithile, amayeza, kunye nokuhlala esibhedlele, kubalulekile. Ezinye izicwangciso zinokunika ukhuselo olungcono kunezinye, ziphembelela ngokubanzi Ixabiso eliphantsi epokothweni yeendleko zonyango lomhlaza wedlala lesinyi. Qhagamshelana nomboneleli wakho we-inshurensi ukuze uqinisekise iinkcukacha malunga nokhuseleko lwakho.
Imibutho eliqela ibonelela ngeenkqubo zoncedo lwemali ukunceda izigulane zilawule iindleko eziphezulu ezinxulumene nonyango lomhlaza. Ezi nkqubo zinokuhlawula iindleko zamayeza, iindleko zokuhamba, okanye ezinye iindleko ezinxulumene noko. I-Paent Access Network Foundation (PAN) kunye neCancer Support Community yimizekelo yemibutho enika uncedo olunjalo. Ukuphanda ezi nkqubo kunokunciphisa kakhulu Ixabiso eliphantsi epokothweni yeendleko zonyango lomhlaza wedlala lesinyi. Iikhrayitheriya zokufaneleka ziyahluka ngokusekelwe kwingeniso, i-inshurensi yokhuseleko, kunye nezinye izinto.
Ukuthethathethana nababoneleli bezempilo malunga nezicwangciso zentlawulo okanye izaphulelo ngamanye amaxesha kunokunciphisa iindleko zakho eziphuma epokothweni. Izibhedlele ezininzi kunye neekliniki zikulungele ukusebenza nezigulana ukwenza izicwangciso zentlawulo ezilawulekayo. Kubalulekile ukuxoxa ngemiqobo yakho yezemali ngokuphandle neqela lakho lezempilo.
Ukuthatha inxaxheba kulingo lwezonyango ngamanye amaxesha kunokunikezela ngeendleko ezincitshisiweyo okanye eziyekiweyo kunyango oluthile. Ulingo lwezonyango luvavanya unyango olutsha kunye nonyango, kwaye ukuthatha inxaxheba kunokunciphisa umthwalo wakho wemali ngelixa kunokubonelela ngokufikelela kukhathalelo oluphezulu. Xoxa ngale ndlela kunye ne-oncologist yakho ukumisela ukufaneleka kunye nokugcinwa kweendleko ezinokubakho.
Ukujonga ubunzima bonyango lomhlaza wesibeleko kunye neendleko ezinxulumene noko kunokuba nzima. Inkxaso iyafumaneka kwimibutho eyahlukeneyo ezinikele ekuncedeni izigulane kunye neentsapho. I-American Cancer Society kunye ne-Prostate Cancer Foundation inikezela ngezibonelelo ezixabisekileyo, kubandakanywa nolwazi malunga neenkqubo zoncedo lwezemali kunye namaqela enkxaso. Le mibutho ibonelela ngesikhokelo kunye nolwazi malunga nokulawula Ixabiso eliphantsi epokothweni yeendleko zonyango lomhlaza wedlala lesinyi.
Kukhathalelo olubanzi lomhlaza, cinga ngokuphonononga iindlela ezinje IZiko loPhando ngoMhlaza laseShandong Baofa. Banikezela ngoluhlu olubanzi lweenkonzo kwaye banokunikezela ngolwazi malunga nezicwangciso zonyango ezingabizi kakhulu.
| Uhlobo loNyango | Iindleko eziqikelelwayo (i-USD)1 | Ukwahluka kwe-Out-of-Pocket |
|---|---|---|
| Uvavanyo olusebenzayo | $5,000 - $10,000 | Iguquguquka kakhulu ngokusekwe kuvavanyo rhoqo kunye nokhuseleko lwe-inshurensi |
| Unyango ngemitha (iBeam yangaphandle) | $20,000 - $40,000 | Ukwahluka okubalulekileyo kuxhomekeke kwixesha lonyango kunye nesicwangciso se-inshurensi |
| I-Radical Prostatectomy | $30,000 - $60,000 | Ukwahluka okuphezulu okuphenjelelwa sisibhedlele, iimali zotyando, kunye ne-inshurensi |
1La manani luqikelelo kwaye anokwahluka kakhulu ngokusekelwe kwiimeko kunye nendawo. Soloko udibana nomboneleli wakho wezempilo kunye nenkampani yeinshurensi malunga noqikelelo lweendleko ezichanekileyo.
Ukuziphendulela: Olu lwazi lwenzelwe iinjongo zemfundo kuphela kwaye aluyiyo ingcebiso yezonyango. Dibana nengcali yokhathalelo lwempilo ukuze ufumane isikhokelo somntu kunyango lomhlaza wedlala lesinyi kunye nolawulo lweendleko.
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