ukwelashwa ngaphandle kwezindleko zezindleko zokwelashwa komdlavuza wendlala yesinye

Ukuqonda Izindleko Eziphuma Ephaketheni Zokwelashwa Komdlavuza Wendlala Yendlala Yesinye

Lo mhlahlandlela ophelele uhlola izici zezimali ze ukwelashwa komdlavuza wendlala yesinye, egxile izindleko eziphuma ephaketheni. Sicubungula izinketho ezahlukene zokwelapha, ama-nuances omshwalense, namasu okuphatha izindleko. Funda ukuthi ungazulazula kanjani ezinkingeni zezezimali zokunakekelwa kwezempilo ukuze wenze izinqumo ezinolwazi mayelana nokunakekelwa kwakho.

Izinto Ezithinta Izindleko Eziphuma Ephaketheni

Uhlobo Lokwelapha

Uhlobo lwe ukwelashwa komdlavuza wendlala yesinye ithinta kakhulu i izindleko eziphuma ephaketheni. Izinketho zisukela ekugadweni okusebenzayo (ukuqapha umdlavuza) kuya ekuhlinzweni (i-radical prostatectomy noma i-laparoscopic prostatectomy esizwa ngamarobhothi), ukwelapha ngemisebe (imisebe ye-beam yangaphandle, i-brachytherapy), ukwelapha nge-hormone, ukwelashwa ngamakhemikhali, nokwelashwa okuqondiwe. Indlela ngayinye inezindleko ezihlukene ezihambisana nezinqubo, imithi, ukuhlala esibhedlela, nokuqokwa kokulandelela.

Ukuphathwa Komshwalense

Uhlelo lwakho lomshwalense wezempilo ludlala indima ebalulekile ekunqumeni owakho izindleko eziphuma ephaketheni. Izinto ezifana ne- deductible yakho, i-co-pays, i-coinsurance, nokuthi ingabe ukwelashwa kubhekwa njenge-in-network kunethonya elikhulu ezindlekweni zakho. Ukuqonda imininingwane yenqubomgomo yakho kubalulekile. Izinhlelo eziningi zinemikhawulo ekuhlinzekeni imithi ethile noma imithi ethile.

Indawo Yendawo

Izindleko ze ukwelashwa komdlavuza wendlala yesinye zingahluka ngokuphawulekayo ngokusekelwe endaweni. Izindleko zokunakekelwa kwempilo ezindaweni zasemadolobheni zivame ukwedlula ezasemakhaya. Ngaphezu kwalokho, isithunzi nobungcweti besikhungo sezokwelapha nakho kungathinta amanani entengo.

Izindleko Ezengeziwe

Ngale kwezindleko zokwelashwa eziqondile, cabanga okungenzeka izindleko eziphuma ephaketheni ukuhamba, indawo yokuhlala (uma ukwelashwa kudinga ukuthuthwa), imithi, izithasiselo zokudla okunomsoco, kanye nemithi yokuvuselela. Lezi zindleko ezengeziwe zinganqwabelana ngokushesha.

Ukulinganisa Izindleko Zakho Eziphuma Ephaketheni

Ukulinganisa kwakho ngokunembile izindleko eziphuma ephaketheni kudinga ukuhlela ngokucophelela nokuxhumana nabahlinzeki bakho bezempilo kanye nenkampani yomshwalense. Cela izilinganiso zezindleko ezinemininingwane kudokotela wakho nasesibhedlela ngaphambi kokuqala ukwelashwa. Buyekeza umshwalense wakho kahle, futhi ungangabazi ukubuza imibuzo ecacisayo mayelana nemikhawulo yokukhokha kanye nezindleko ezingase ziphume ephaketheni.

Izinhlelo Zokulekelela Ngezezimali

Izinsiza eziningana zinikeza usizo lwezezimali kubantu ababhekene nezinga eliphezulu izindleko zokwelashwa komdlavuza wendlala yesinye. Lokhu kungase kuhlanganise:

• Izinhlelo zokusiza isiguli somkhiqizi: Izinkampani eziningi ezithaka imithi zinikeza izinhlelo zokusiza zemithi yazo.
• Izinhlelo zosizo lwezezimali zasesibhedlela: Ezinye izibhedlela zinikeza usizo lwezimali ezigulini ngokusekelwe esidingweni sazo sezimali.
• Izinhlangano ezisiza abantulayo: Izinhlangano eziningi ezisiza abampofu zizinikela ekusekeleni iziguli ezinomdlavuza ngosizo lwezezimali.
• Izinhlelo zikahulumeni: Kuye ngezwe ohlala kulo nokufaneleka, ungase ufanelekele izinhlelo zosizo zikahulumeni.

Kutuswa ukuhlola lezi zinketho kusenesikhathi ngenqubo yokwelashwa.

Ukuzulazula ohlelweni lokunakekelwa kwezempilo

Ukuxhumana okuphumelelayo nethimba lakho lezempilo kanye nomhlinzeki womshwalense kubalulekile. Gcina amarekhodi anemininingwane yazo zonke izikweletu zezokwelapha, izinkokhelo zomshwalense, nezicelo zosizo lwezezimali. Ungangabazi ukubuza imibuzo nganoma yisiphi isici sohlelo lwakho lokwelapha kanye nezindleko zalo ezihambisana nalo. Khumbula ukuhlola zonke izinketho ezitholakalayo ukuze unciphise eyakho izindleko eziphuma ephaketheni okwe ukwelashwa komdlavuza wendlala yesinye.

Ukuze uthole ulwazi olwengeziwe nokwesekwa, cabanga ngokuvakashela izinhlangano ezihlonishwayo ezigxile ekunakekelweni komdlavuza wendlala yesinye. Ungaphinda ufune isiqondiso kubaluleki bezezimali abanolwazi ngezimali zokunakekelwa kwempilo. Ukuhlela kusenesikhathi nokuxhumana okusebenzayo kungenza umehluko omkhulu ekulawuleni umthwalo wezezimali ukwelashwa komdlavuza wendlala yesinye.

^{Umshwana wokuzihlangula: Lolu lwazi ololwazi olujwayelekile kanye nezinjongo zolwazi kuphela, futhi aluhlanganisi iseluleko sezokwelapha. Hlala uthintana nochwepheshe bakho bezempilo nganoma yikuphi ukukhathazeka ngezempilo noma ngaphambi kokwenza noma yiziphi izinqumo ezihlobene nempilo noma ukwelashwa kwakho.}