Ukwelashwa komdlavuza okushibhile

Ukuthola Izinketho Ezithengekayo Zokwelapha Umdlavuza

Lesi sihloko sihlola ubunzima bokuthola ukwelashwa komdlavuza okushibhile, ukuhlinzeka ngesiqondiso esisebenzayo nezinsiza zokusiza ukuzulazula ezinseleleni zezezimali ezihlobene nokunakekelwa komdlavuza. Sihlola izindlela ezihlukahlukene zokunciphisa izindleko, okuhlanganisa ukukhava umshwalense, izinhlelo zokusiza ngezezimali, nokubamba iqhaza kokuhlolwa komtholampilo. Ukuqonda izinketho zakho kanye nokufinyelela ukwesekwa okutholakalayo kubalulekile ekulawuleni umthwalo wezezimali wokwelashwa komdlavuza.

Ukuqonda Izindleko Zokwelashwa Komdlavuza

Ukwelashwa komdlavuza kungabiza ngendlela emangalisayo, okuhlanganisa izindleko ezihlukahlukene njengokuhlolwa kokuxilonga, ukuhlinzwa, ukwelashwa ngamakhemikhali, ukwelapha ngemisebe, ukwelapha okuhlosiwe, i-immunotherapy, nokunakekelwa okusekelayo. Izindleko eziphelele zingahluka kakhulu kuye ngohlobo nesigaba somdlavuza, uhlelo lokwelapha olukhethiwe, kanye nekhava yomshuwalense wezempilo womuntu ngamunye. Abantu abaningi bakuthola kunzima ukukhokhela lezi zindleko ezinkulu, okuholela ekufuneni ukwelashwa komdlavuza okushibhile ongakhetha kukho.

Izici Ezithonya Izindleko Zokwelashwa

Kunezici eziningana ezithonya izindleko zizonke zokwelashwa komdlavuza. Lokhu kuhlanganisa uhlobo lomdlavuza, izinga lokuxilongwa, inkimbinkimbi yemithi yokwelapha, ubude bokwelashwa, isidingo sokulaliswa esibhedlela, nokusetshenziswa kwemithi noma ubuchwepheshe obukhethekile. Indawo yendawo nayo idlala indima, ngezindleko zokwelashwa ezihluka kakhulu phakathi kwezifunda nabahlinzeki bezempilo.

Ukuhlola Izinketho Zokwelashwa Ezithengekayo

Ngenkathi ngokuphelele ukwelashwa komdlavuza okushibhile kungenzeka angatholakali kalula, amasu amaningi angasiza ukunciphisa izindleko. Lawa masu kufanele ahlolwe ngokubambisana nochwepheshe bezokwelapha ukuze kuqinisekiswe ukuthi abakhihlisi ikhwalithi noma ukuphumelela kokunakekelwa.

Ukuphathwa Komshwalense Nosizo Lwezezimali

Iningi labantu lithembele kumshwalense wezempilo ukuze ukhokhe ingxenye yezindleko zabo zokwelashwa komdlavuza. Kubalulekile ukuqonda inqubomgomo yakho yomshwalense kahle, okuhlanganisa imikhawulo yokukhava, ama-deductibles, kanye nama-co-pays. Abahlinzeki bomshwalense abaningi banikeza izinhlelo zokusiza ngezezimali noma basebenze nezinhlangano ezisiza abampofu ukusiza iziguli ukuphatha izindleko eziphuma ephaketheni. Ukuhlola lezi zinketho kusenesikhathi kubalulekile.

Izilingo Zomtholampilo

Ukubamba iqhaza ezivivinyweni zomtholampilo kunganikeza ukufinyelela ekwelashweni komdlavuza okusha okungenzeka ngezindleko ezincishisiwe noma mahhala. Izivivinyo zomtholampilo zivame ukumboza izindleko zemithi, ukuhlolwa, kanye nokuqokwa okuthile. Kodwa-ke, ukubamba iqhaza kuhilela izidingo ezithile kanye nezingozi ezingase zibe khona okufanele kuxoxwe ngokucophelela ngazo ne-oncologist yezokwelapha. Ngenkathi izivivinyo zomtholampilo zinganikeza ukwelashwa komdlavuza okushibhile, kubalulekile ukuqonda ukuzibophezela okudingekayo kanye nemiphumela engemihle engaba khona. Ukuze uthole ulwazi olwengeziwe ngezivivinyo zomtholampilo, ungabheka iwebhusayithi ye-National Cancer Institute.I-National Cancer Institute

Ukuxoxisana ngezindleko zokwelashwa

Ukuxhumana okuvulekile nabahlinzeki bakho bezempilo mayelana nokukhathazeka kwezezimali ngokuvamile kungaholela ezisombululweni. Izibhedlela nemitholampilo ingase inikeze izinhlelo zokukhokha, izaphulelo, noma izinhlelo zokusiza ngezezimali ngokusekelwe ezidingweni zomuntu ngamunye. Kuyafaneleka futhi ukuhlola izinketho zokuxoxisana ngezindleko noma ukuhlola ezinye izikhungo zokwelapha ezingase zibe namanani athengekayo.

Izinhlelo Zosizo Zikahulumeni

Izinhlelo zikahulumeni eziningana, njenge-Medicaid ne-Medicare, zihlinzeka ngosizo lwezezimali lwezindleko zokunakekelwa kwezempilo, okuhlanganisa nokwelashwa komdlavuza. Imibandela yokufaneleka iyahlukahluka kuye ngezimo ngazinye, okuhlanganisa imali engenayo nempahla. Ukucwaninga nokufaka izicelo zezinhlelo ezifanele kunganciphisa kakhulu umthwalo wezezimali wokunakekelwa komdlavuza. I Izikhungo zeMedicare & Medicaid Services (CMS) iwebhusayithi inikeza ulwazi oluphelele.

Ukuthola Abahlinzeki Bezempilo Abahloniphekile

Ukukhetha umhlinzeki wezempilo ohloniphekile kubalulekile ekutholeni ukunakekelwa komdlavuza okusezingeni eliphezulu. Ukucwaninga izibhedlela nemitholampilo eyahlukene, ukufunda izibuyekezo zesiguli, nokuqinisekisa izifakazelo kungasiza ekuqinisekiseni ukuthi uthola ukwelashwa okungcono kakhulu. Cabangela izici ezifana nolwazi, amazinga empumelelo, nokwaneliseka kwesiguli lapho wenza isinqumo sakho. I I-Shandong Baofa Cancer Research Institute uzinikele ekuhlinzekeni ukunakekelwa komdlavuza wezinga eliphezulu futhi ungase uthole izinsiza zabo ziwusizo.

Isiphetho

Ukuzulazula ezicini zezezimali zokwelashwa komdlavuza kungaba nzima, kodwa ukuqonda izinketho zakho nokusebenzisa izinsiza ezitholakalayo kungenza umehluko omkhulu. Ngokuhlola ukuhlinzekwa komshwalense, izinhlelo zokusiza ngezezimali, izivivinyo zokwelashwa, nokuxoxisana ngezindleko zokwelashwa, ungathola izixazululo ezithengekayo futhi ugxile empilweni nempilo yakho. Khumbula ukuthi ngaso sonke isikhathi uthintana nomhlinzeki wakho wokunakekelwa kwezempilo ukuze wenze uhlelo lokwelashwa oluphelele futhi oluqondene nawe olubhekana nezidingo zezokwelapha nezezezimali. Ungalokothi uyekethise ikhwalithi yokunakekelwa kwakho lapho uphishekela khona ukwelashwa komdlavuza okushibhile; beka kuqala impilo yakho futhi uhlole zonke izindlela ezikhona zokuphatha izindleko.