Umdlavuza wamaphaphu oshibhile eduze kwami

Ukuthola Ukunakekelwa Komdlavuza Wamaphaphu Okungabizi kakhulu: Umhlahlandlela Wezinketho Nezinsiza

Lo mhlahlandlela uhlinzeka ngolwazi olubalulekile kubantu abafuna ukuthengeka umdlavuza wamaphaphu oshibhile eduze kwami ongakhetha kukho. Sihlola izindlela ezihlukahlukene zokufinyelela ukunakekelwa kwekhwalithi ngenkathi siphatha izindleko, okuhlanganisa izinketho zokwelashwa, izinhlelo zokusiza ngezezimali, nezinsiza zokuzulazula ohlelweni lokunakekelwa kwezempilo. Ukuqonda ukukhetha kwakho nokwesekwa okutholakalayo kubalulekile ohambweni lwakho.

Ukuqonda Izindleko Zokwelashwa Komdlavuza Wamaphaphu

Ukwelashwa komdlavuza wamaphaphu kungabiza, okuhlanganisa ukuhlinzwa, ukwelashwa ngamakhemikhali, ukwelashwa ngemisebe, ukwelapha okuhlosiwe, kanye nokwelashwa kwamasosha omzimba. Izindleko eziphelele ziyahlukahluka kuye ngokuthi isigaba somdlavuza, uhlelo lokwelashwa olukhethiwe, kanye nezimo zomuntu ngamunye. Ukuqonda lokhu kuhlukahluka kubalulekile ekuhleleni izindleko ezingase zibe khona.

Izindleko Ezinomthelela Wezinto

Kunezici eziningana ezinomthelela ezindlekweni zizonke ze umdlavuza wamaphaphu oshibhile eduze kwami ukwelashwa. Lokhu kuhlanganisa uhlobo nezinga lokuhlinzwa elidingekayo, inani lezikhathi zokwelashwa ngamakhemikhali noma ngemisebe, uhlobo lomuthi onqunyiwe, kanye nobude besikhathi sokwelashwa. Ukuvama kokuvakasha kodokotela kanye nokuhlolwa kokuxilonga nakho kunendima.

Ukuhlola Izinketho Zokwelashwa Ezithengekayo

Nakuba izindleko zokwelashwa komdlavuza wamaphaphu zingaba nzima, ziningi izindlela ezikhona zokuthola ukunakekelwa okuthengekayo. Lezi zinketho zisukela ezinhlelweni zosizo zikahulumeni kuye ezinhlanganweni ezisiza abampofu kanye nezivivinyo zomtholampilo.

Izinhlelo Zosizo Zikahulumeni

Amazwe amaningi ahlinzeka ngezinhlelo zokunakekelwa kwezempilo ezixhaswa nguhulumeni ezikhokha kancane noma ngokugcwele izindleko zokwelashwa komdlavuza. Imibandela yokufaneleka iyahlukahluka, kuya ngezici ezifana nezinga lemali engenayo, ubudala, nesimo sokuba yisakhamuzi. Cwaninga izinketho zakho zasendaweni ukuze unqume ukufaneleka kwakho ukuthola usizo lukahulumeni lokuphatha izindleko zakho umdlavuza wamaphaphu oshibhile eduze kwami ukwelashwa.

Izinhlangano Ezisizayo kanye Nezisekelo

Izinhlangano eziningana ezisiza abampofu ezizinikele ekusizeni iziguli ezinomdlavuza zinikeza usizo lwezezimali, izinsizakalo zokusekela, nezinsiza. Lezi zinhlangano zivame ukuhlinzeka ngezibonelelo, uxhaso, noma usizo ngezikweletu zezokwelapha. Ucwaningo lwezinhlangano endaweni yangakini ezisebenza ngokukhethekile ekusekeleni umdlavuza wamaphaphu ukuze zihlole izinhlelo zosizo lwezezimali. Izibonelo zifaka i-American Lung Association kanye ne-Leukemia & Lymphoma Society. Amawebhusayithi abo ngokuvamile ahlinzeka ngolwazi ngezinhlelo zokusiza ngezezimali ezigulini ezifanele.

Izilingo Zomtholampilo

Ukubamba iqhaza ezivivinyweni zomtholampilo kungase kunikeze ukufinyelela ekwelashweni okuphambili ngezindleko ezincishisiwe, noma mahhala. Izivivinyo zemitholampilo zihlola ukusebenza kahle nokuphepha kokwelashwa okusha futhi kuvame ukumboza izindleko ezihlobene kubahlanganyeli. Xhumana nodokotela wakho we-oncologist ukuze unqume ukufaneleka kwakho ezivivinyweni zomtholampilo ezifanele.

Ukuzulazula ohlelweni lokunakekelwa kwezempilo

Ukuzulazula ohlelweni lokunakekelwa kwezempilo ngesikhathi sokuxilongwa komdlavuza kungaba nzima. Ukuqonda amalungelo akho njengesiguli, ukufunda ngomshuwalense, kanye nokufuna isiqondiso sochwepheshe kuyizinyathelo ezibalulekile ekulawuleni izindleko nobunkimbinkimbi bokunakekelwa kwakho. Ukufuna iseluleko emaqenjini amele isiguli kungaba yinzuzo.

Ukuphathwa Komshwalense

Buyekeza umshwalense wakho ukuze uqonde ukumbozwa kwakho kokwelashwa komdlavuza wamaphaphu. Qaphela ama-co-pays, ama-deductibles, kanye nama-maximus aphuma ephaketheni. Uma ungaqinisekisiwe noma ungaphansi komshuwalense, ukuhlola izinketho ezifana ne-Medicaid noma i-CHIP kungase kubaluleke. Hlala njalo ucacise imininingwane yokukhokha nomhlinzeki wakho wokunakekelwa kwezempilo kanye nenkampani yomshwalense ukuze ugweme izindleko ezingalindelekile.

Izinsiza Zosizo Lwezezimali

Izinsiza eziningi zinikeza usizo lwezezimali ezigulini ezinomdlavuza. Lokhu kuhlanganisa amawebhusayithi, imigqa yosizo, namaqembu okusekela. Qinisekisa njalo izimfuneko zokufaneleka ngaphambi kokufaka isicelo sanoma yiluphi uhlelo. Izibhedlela eziningi nezikhungo zomdlavuza nazo zinikeza izinhlelo zazo zokusiza ngezezimali.

Khumbula, ukuthola okuthengekayo umdlavuza wamaphaphu oshibhile eduze kwami ukunakekelwa kudinga ucwaningo oluqhubekayo nokuhlela. Ukusebenzisa izinsiza nezinketho ezichazwe ngenhla kungasiza ekwehliseni imithwalo yemali futhi kugxile ekutholeni ukwelashwa okungcono kakhulu.

Umshwana wokuzihlangula: Lolu lwazi luhloselwe izinjongo zokufundisa kuphela futhi aluhlanganisi iseluleko sezokwelapha. Xhumana nomhlinzeki wakho wokunakekelwa kwezempilo ukuze uthole isiqondiso somuntu siqu kanye nezinketho zokwelapha.