unyango unyango umhlaza wemiphunga iindleko eziphindaphindiweyo

Ukuqonda iNdleko yoNyango oluQondayo lokuNyangwa koMhlaza weMiphungaUmhlaza wemiphunga ophinde wabakho, ngelishwa, ngumceli mngeni obalulekileyo kwizigulane ezininzi. Iindleko ze unyango unyango umhlaza wemiphunga iindleko eziphindaphindiweyo yinkxalabo enkulu kubantu kunye neentsapho ezijongene nesi sifo. Esi sikhokelo sibanzi siphonononga izinto ezahlukeneyo eziphembelela inkcitho iyonke, inika ingcaciso kunye nezibonelelo zokujonga le meko yemali enzima.

Izinto eziPhembelela iindleko zoNyango oluQondayo loNyango lweMiphuphu

Iindleko ze unyango unyango umhlaza wemiphunga iindleko eziphindaphindiweyo iyaguquguquka kakhulu kwaye ixhomekeke kwizinto ezininzi ezisebenzisanayo. Ukuqonda ezi meko kubalulekile kucwangciso lwezemali olusebenzayo.

Uhlobo loNyango

Iinketho zonyango kumhlaza wemiphunga ophindaphindiweyo zahlukile, ukusukela kuqhaqho kunye nonyango lwemitha ukuya kwichemotherapy kunye nonyango ekujoliswe kulo. Indlela nganye inexabiso elahlukileyo. Umzekelo, iindlela ezintsha zonyango ekujoliswe kuzo, ngelixa zinokusebenza ngakumbi, zihlala ziza neendleko eziphezulu kumjikelo wonyango ngamnye. Ngokufanayo, ubungakanani botyando olufunekayo bunokuba nefuthe kakhulu kwindleko iyonke.

Inqanaba loMhlaza

Inqanaba lomhlaza ophindaphindiweyo lichaphazela kakhulu iindleko zonyango. Amanqanaba aphezulu kakhulu afuna unyango olunabileyo noluthatha ixesha elide, nto leyo ekhokelela kwiindleko eziphezulu. Ukufunyaniswa kwangaphambili kunye nokungenelela, ngelixa kungenzeki rhoqo, kunokunciphisa umthwalo wemali.

Ubude boNyango

Ubude bexesha lonyango ngomnye umba obalulekileyo ochaphazela iindleko. Olunye unyango lunokongezelela kwiinyanga eziliqela okanye kwaneminyaka, luqokelela iindleko ezibalulekileyo ekuhambeni kwexesha. Ukubekw'esweni kwarhoqo kunye nokuqeshwa okulandelwayo nako kunegalelo kwiindleko zizonke.

Indawo yoNyango

Indawo yejografi yeziko lonyango inokuchaphazela kakhulu iindleko zizonke. Amaxabiso eenkonzo zonyango angohluka kakhulu phakathi kwelizwe kunye namazwe. Qwalasela isidima kunye nobuchule beziko ngelixa uvavanya iimpembelelo zemali ezinxulumene nendawo.

Ukhuseleko lwe-inshurensi

I-inshurensi yezempilo idlala indima ebalulekileyo ekulawuleni umthwalo wemali we unyango unyango umhlaza wemiphunga iindleko eziphindaphindiweyo. Nangona kunjalo, nangeinshurensi, iindleko eziphuma epokothweni zinokuba nkulu. Kubalulekile ukuphonononga ngononophelo ipolisi yakho ye-inshurensi ukuze uqonde imida yakho ye-inshorensi, i-co-pays, kunye ne-deductibles. Ukubonisana nomboneleli wakho we-inshurensi kunye nokujonga iinkqubo zoncedo lwemali ngamanyathelo ayimfuneko.

Ukuphonononga iZibonelelo zoNcedo lweMali

Ukujonga imiceli mngeni yezemali eyayanyaniswa nonyango oluqhubekayo lomhlaza wemiphunga kunokuba nzima. Nangona kunjalo, izixhobo ezininzi zinokunika inkxaso enkulu:

IiNkqubo zoNcedo lweSigulana (PAPs)

Iinkampani ezininzi ezixuba amayeza zibonelela ngee-PAP ukunceda izigulane ukuba zithenge amayeza azo. Ezi nkqubo zibonelela ngoncedo lwemali kubantu abafanelekileyo ngokusekwe kumvuzo wabo kunye ne-inshurensi. Kufanelekile ukujonga kunye nomenzi weyeza lakho elimiselweyo.

Imibutho yesisa

Imibutho eyahlukeneyo yesisa inikezela iinzame zabo zokuxhasa abaguli abanomhlaza kunye neentsapho zabo. Le mibutho idla ngokunikela ngoncedo lwemali, inkxaso ngokweemvakalelo, nezinye iinkonzo ezixabisekileyo. Imizekelo ibandakanya i-American Cancer Society kunye ne-Leukemia & Lymphoma Society. Kuluncedo ukuhlola izixhobo ezilungiselelwe umhlaza wemiphunga.

Iinkqubo zikaRhulumente

Iinkqubo zikaRhulumente, ezifana ne-Medicare kunye ne-Medicaid, zinokunceda kakhulu ekuhlawuleni iindleko zezempilo kubantu abafanelekileyo. Ukuqonda ukufaneleka kwakho kwezi nkqubo kubalulekile ekulawuleni iindleko zonyango. Ukongeza, jonga kwiinkqubo ezithile zikarhulumente ezinokubonelela ngoncedo lwezemali olongezelelweyo.

Ukufuna isiKhokelo kwiMali yobuNgcali

Ngenxa yokuntsonkotha kokulawula iindleko zonyango kumhlaza wemiphunga ovelayo, ukufuna ingcebiso yobuchwephesha bezemali lukhetho lobulumko. Umcebisi wezezimali unokukunceda uphuhlise isicwangciso semali esibanzi, uphonononge iinketho ze-inshurensi, kwaye ujonge ubunzima bentlawulo yezonyango. Basenokukunceda ukuba uchonge kwaye ufake isicelo seenkqubo zoncedo lwemali ezikhoyo.

Ukuqukumbela

Iindleko ze unyango unyango umhlaza wemiphunga iindleko eziphindaphindiweyo inokubaluleka. Nangona kunjalo, ngocwangciso olucokisekileyo, ukuqonda izibonelelo ezikhoyo, kunye nokuzibandakanya okusebenzayo nababoneleli bezempilo kunye nabacebisi bezemali, umthwalo wemali unokulawulwa ngokufanelekileyo. Khumbula, ukufikelela kulwazi oluphangaleleyo kunye nokucwangciswa kwangoko ngamahlakani akho amakhulu kolu hambo. Ngolwazi oluthe kratya okanye ukucwangcisa ukubonisana, unokunqwenela ukujonga izixhobo ezongezelelweyo kumaziko omhlaza abekekileyo okanye imibutho efana neShandong Baofa Cancer Research Institute (https://www.baofahospital.com/).