
Lesi sihloko sinikeza umbono obanzi wemithwalo yezezimali ehambisana nayo isifo sezinso ezishibhile ukwelashwa kanye nokuhlola amasu okuphatha lezi zindleko. Sizohlola izinketho zokwelashwa ezahlukahlukene, ukukhava komshwalense, izinhlelo zokusiza ngezezimali, kanye nokuguqulwa kwendlela yokuphila okungasiza ukunciphisa izindleko. Funda ukuthi ungabhekana kanjani nobunzima bezindleko zokunakekelwa kwezempilo kuyilapho ubeka kuqala impilo yakho.
Izindleko zokuphatha isifo sezinso ezishibhile ziyahlukahluka kakhulu kuye ngokuthi isigaba sesifo, indlela yokwelapha ekhethiwe, kanye nezimo zomuntu ngamunye. Izigaba zakuqala zingase zibandakanye izindleko eziphansi ezigxile ekushintsheni indlela yokuphila nokuqapha okuvamile. Nokho, njengoba lesi sifo siqhubeka, izindleko zingakhula ngendlela ephawulekayo. I-Dialysis, ukwelashwa okuvamile kwe-end-stage renal disease (ESRD), ingabiza ngendlela emangalisayo, ngokuvamile edinga izikhathi eziningi ngesonto. Ukufakelwa kwezinso, kuyilapho kuyinketho eshintsha ukuphila, kuhilela izindleko ezinkulu zangaphambili zokuhlinzwa, imithi, nokunakekelwa kwangemva kokuhlinzwa. Lezi zindleko zingakhungathekisa ngokushesha abantu ngabanye kanye nemindeni ngaphandle komshwalense owanele noma izinsiza zezimali.
I-Dialysis, ehlanganisa ukuhlunga udoti egazini, iwukwelapha okubalulekile kubantu abaneESRD. Kunezinhlobo ezimbili eziyinhloko: i-hemodialysis (okwenziwa emtholampilo noma ekhaya) kanye ne-peritoneal dialysis (okwenziwa ekhaya). Izindleko ze-hemodialysis zingasukela kumakhulu ambalwa ukuya ngaphezulu kwenkulungwane yamadola ngeseshini ngayinye, kuye ngendawo nendawo ethile. Imishini ye-Peritoneal dialysis kanye nezinsiza nazo zimelela izindleko ezibalulekile eziqhubekayo. Imithelela yezezimali yesikhathi eside ye-dialysis mikhulu, futhi kubalulekile ukuqonda lezi zindleko ngaphambi kokuqala ukwelashwa.
Ukufakelwa kwezinso kunikeza enye indlela engase isindise impilo esikhundleni se-dialysis. Nokho, izindleko zokuqala zokuhlinzwa, ukulaliswa esibhedlela, nokunakekelwa ngemva kokuhlinzwa zingaba nkulu. Ngaphezu kwalokho, imishanguzo yempilo yonke ye-immunosuppressant iyadingeka ukuvimbela ukwenqatshwa kwesitho, enezela ezindlekweni eziqhubekayo. Izindleko zokufakelwa kabusha zingahluka kuye ngokuthi isibhedlela nezimo ezithile zesiguli. Nakuba ngokuvamile kuyindlela engabizi kakhulu ngokuhamba kwesikhathi uma kuqhathaniswa ne-dialysis yempilo yonke, izindleko zangaphambili zihlala ziyisithiyo esibalulekile kwabaningi.
Ukuphatha ngempumelelo umthwalo wezezimali we isifo sezinso ezishibhile Ukwelashwa kudinga ukuhlela okumatasa kanye nendlela ebanzi. Amasu amaningana angasiza ukunciphisa izindleko:
Ukuqonda umshwalense wakho wezempilo kubalulekile. Izinhlelo eziningi zomshuwalense zihlanganisa ingxenye enkulu yezindleko ze-dialysis kanye ne-transplantation, kodwa izindleko eziphuma ephaketheni zisengaba zinkulu. Ukucwaninga nokufinyelela izinhlelo zosizo lwezezimali ezitholakalayo, ezifana nalezo ezihlinzekwa ama-ejensi kahulumeni (isb., i-Medicare ne-Medicaid e-US) noma izinhlangano ezisiza umphakathi, kunconywa kakhulu. Lezi zinhlelo zinganciphisa kakhulu umthwalo wezezimali uwonke.
Ungangabazi ukuxoxisana nabahlinzeki bezempilo. Buza mayelana nezinhlelo zokukhokha, izaphulelo, nezinketho zokusiza ngezezimali. Izibhedlela nemitholampilo ingase izimisele ukusebenzisana neziguli ukuze yenze izinhlelo zokukhokha ezithengekayo. Ukungafihli kanye nokuxhumana okuvulekile kuyisihluthulelo sokubhekana nobunzima bezimali zokunakekelwa kwempilo.
Ukuguqulwa okuthile kwendlela yokuphila kungasiza ukubambezela ukuqhubeka kwe isifo sezinso ezishibhile kanye nokunciphisa isidingo semithi ebizayo. Lezi zinguquko zivame ukubandakanya ukwamukela ukudla okunempilo, ukulawula umfutho wegazi nesifo sikashukela, nokugcina isisindo esinempilo. Lezi zinyathelo zokuvimbela zingakwazi ukonga amanani amakhulu emali ngokuhamba kwesikhathi. Ngaphezu kwalokho, ukulondoloza indlela yokuphila enempilo kungathuthukisa izinga lempilo iyonke, kungakhathaliseki ukuthi yiziphi izici zezimali.
Ukubhekana nayo isifo sezinso ezishibhile kuhilela kokubili izinselele ezingokomzimba nezingokomzwelo. Ukufuna ukusekelwa emndenini, kubangane, namaqembu okusekela kungaba usizo olukhulu. Izinhlangano eziningi zinikeza izinsiza nolwazi ukusiza iziguli nemindeni yazo ukuthi zikwazi ukubhekana nezinselele zesifo sezinso. Lezi zinsiza zivame ukunikeza isiqondiso ngezinhlelo zokusiza ngezezimali, izinketho zokwelapha, nokusekelwa ngokomzwelo.
Khumbula ukubonisana nomhlinzeki wakho wokunakekelwa kwezempilo kanye nomeluleki wezezimali ukuze wenze uhlelo oluphelele lokuphatha izindleko zakho. isifo sezinso ezishibhile ukwelashwa. Ukuhlela okusebenzayo kanye nokuthatha izinqumo unolwazi kubalulekile ukuze uzulazule kulo mkhakha oyinkimbinkimbi ngempumelelo.
| Inketho Yokwelapha | Izindleko Zonyaka Ezilinganiselwe (i-USD) | Amanothi |
|---|---|---|
| I-Hemodialysis | $30,000 - $100,000+ | Iyahluka kakhulu ngokuya ngemvamisa nendawo. |
| I-Peritoneal Dialysis | $20,000 - $60,000+ | Kufaka phakathi izimpahla nezinto zokusebenza. |
| Ukufakelwa Kwezinso | $200,000 - $300,000+ (izindleko zokuqala) | Kuhlanganisa ukuhlinzwa, ukulaliswa esibhedlela, nokunakekelwa kwangemva kokuhlinzwa; izindleko zemithi eziqhubekayo zingeziwe. |
Umshwana wokuzihlangula: Izilinganiso zezindleko ezinikezwe kuleli thebula ziyalinganiselwa futhi zingahluka kakhulu kuye ngezimo ngazinye, indawo, kanye nomhlinzeki wezempilo. Lolu lwazi aluhlosiwe njengeseluleko sezokwelapha noma sezezimali. Xhumana nomhlinzeki wakho wokunakekelwa kwezempilo kanye nomeluleki wezezimali ukuze uthole isiqondiso esiqondene nawe.
Ukuze uthole ulwazi olwengeziwe mayelana nokwelashwa kwesifo sezinso nokwesekwa, sicela uvakashele I-National Institute of Diabetes and Digestive and Kidney Diseases (NIDDK).
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