
Lo mhlahlandlela uhlinzeka ngesifinyezo esibanzi sezindleko ezingase ziphume ephaketheni ezihlobene nokwelashwa komdlavuza wendlala yesinye. Sizohlola izinketho zokwelashwa ezihlukahlukene, izici ezithonya izindleko, nezinsiza ezitholakalayo ukusiza ukuphatha izindleko. Funda ukuthi ungabhekana kanjani nobunzima bezezimali bokunakekelwa komdlavuza wendlala yesinye futhi uthole ukwesekwa ukuze wenze izinqumo ezinolwazi mayelana nokwelashwa kwakho.
Izindleko ze ukwelashwa komdlavuza wendlala yesinye ziyahlukahluka kakhulu kuye ngendlela ekhethiwe. Izinketho zifaka ukuhlinzwa (i-radical prostatectomy, i-laparoscopic prostatectomy esizwa ngamarobhothi), ukwelashwa ngemisebe (ukwelashwa ngemisebe yangaphandle, i-brachytherapy, i-proton therapy), ukwelashwa ngama-hormone, ukwelashwa ngamakhemikhali, nokwelashwa okuqondiwe. Ukwelashwa ngakunye kunezindleko zako ezihlotshaniswayo, okuhlanganisa izimali zikadokotela ohlinzayo, izindleko zesibhedlela, izindleko zemithi, kanye nezikhathi zokulandelela. Ubunkimbinkimbi benqubo kanye nobude besikhathi sokwelashwa nakho kunomthelela ezindlekweni zizonke.
Isigaba somdlavuza wendlala yesinye ekuxilongeni sithinta kakhulu uhlelo lokwelapha futhi, ngenxa yalokho, izindleko. Umdlavuza wendlala yesinye wesigaba sokuqala ungase udinge ukwelashwa okungatheni, okuholela ekwehleni kwezindleko eziphuma ephaketheni uma kuqhathaniswa nomdlavuza wesigaba esithuthukile odinga ukwelashwa okunamandla nokuthatha isikhathi eside. Lokhu kuhlanganisa izici ezifana nobukhulu besimila kanye nokuthi sesisabalele yini.
Uhlelo lwakho lomshwalense wezempilo ludlala indima ebalulekile ekunqumeni owakho izindleko zokwelashwa eziphuma ephaketheni zokwelashwa komdlavuza wendlala yesinye eduze kwami. I-co-pays, i-deductibles, kanye ne-coinsurance izohluka kuye ngenqubomgomo yakho ethile. Ukuqonda umshwalense wakho ngaphambi kokuqala ukwelashwa kubalulekile ukuze ugweme imithwalo yemali engalindelekile. Buyekeza inqubomgomo yakho ngokucophelela, noma uxhumane nomhlinzeki wakho womshwalense ngokuqondile, ukuze unqume izinzuzo zakho ezithile kanye nemikhawulo yokukhava.
Izindleko ze ukwelashwa komdlavuza wendlala yesinye zingahluka ngokusekelwe endaweni yakho. Izindleko zokunakekelwa kwezempilo ziyahlukahluka kakhulu ezifundeni, zithonywe izici ezifana nezindleko zomhlinzeki, izindleko zesibhedlela, kanye nokutholakala kokwelashwa okuthile. Ukuqhathanisa izindleko ezivela kubahlinzeki bezempilo abahlukene endaweni yangakini kungakusiza uthole izinketho ezihambisana nesabelomali sakho.
Ngaphandle kwezindleko eziyinhloko zokwelashwa, cabangela izindleko ezengeziwe ezingaba khona, njengemithi, uhambo, indawo yokuhlala, nokuqapha okuqhubekayo. Lokhu kuhlangana ngokushesha futhi ukuhlela lezi zindleko kusenesikhathi kubalulekile. Bheka izinhlelo zosizo lwezezimali nezinhlangano ezisekelayo ezingasiza ekwehliseni ezinye zalezi zindleko ezengeziwe.
Ungangabazi ukuxoxa ngezinketho zokukhokha futhi uxoxisane nabahlinzeki bakho bezempilo. Abaningi bazimisele ukusebenza neziguli ukuze benze izinhlelo zokukhokha ezithengekayo noma bahlole izinhlelo zokusiza ngezezimali.
Izinhlangano eziningi zinikeza usizo lwezezimali kubantu ababhekene nezinga eliphezulu izindleko eziphuma ephaketheni zokwelashwa komdlavuza wendlala yesinye. Izinhlelo zocwaningo ezihlinzekwa yizinkampani ezenza imithi, amaqembu akhulumela iziguli, kanye nezinhlangano ezisiza umphakathi. I I-American Cancer Society iyisiqalo esihle sokuthola ulwazi ngezinsiza ezitholakalayo.
Ukubamba iqhaza ezivivinyweni zomtholampilo kungase kunikeze ukufinyelela ekwelashweni okusha ngezindleko ezincishisiwe noma mahhala. Hlola nodokotela wakho we-oncologist noma cwaninga imininingwane yokuhlolwa komtholampilo eku-inthanethi, njenge ClinicalTrials.gov, ukuhlola amathuba. Khumbula ukuthi ukubamba iqhaza ezivivinyweni zomtholampilo kuza nakho kokubili izinzuzo ezingaba khona kanye nezingozi.
Ukulinganisa kwakho ngokunembile izindleko eziphuma ephaketheni zokwelashwa komdlavuza wendlala yesinye eduze kwami kungaba inselele. Nokho, ungathola ukuqonda okungcono ngokuthintana nomhlinzeki wakho womshwalense kanye nabahlinzeki bokunakekelwa kwezempilo ngokuqondile. Cela ukuhlukaniswa kwezindleko ezinemininingwane ngaphambi kokuqhubeka nokwelashwa. Le ndlela yokusebenza ivumela ukuhlelwa okungcono kwesabelomali.
Kunezinhlangano eziningi ezizinikele ekusizeni iziguli ezinomdlavuza ukuthi zibhekane nezinselele zezimali zikhona. Lawa maqembu ahlinzeka ngezinsiza ezibalulekile, ukwelulekwa, nokwesekwa. Cabangela ukuxhumana nomhlinzeki wakho wokunakekelwa kwezempilo noma ukwenza ucwaningo lwe-inthanethi ukuze uhlonze izinhlelo zosizo lwezezimali ezifanele zesimo sakho esiyingqayizivele. Izibhedlela eziningi nazo zineminyango yosizo lwezezimali ezinikele engakusiza ngezindlela zokukhokha.
| Insiza | Incazelo |
|---|---|
| I-American Cancer Society | Inikeza izinhlelo nezinsiza ezahlukahlukene zosizo lwezezimali. |
| I-Paent Advocate Foundation | Ihlinzeka ngosizo ngezimangalo zomshwalense kanye nezicelo zosizo lwezezimali. |
| I-National Cancer Institute | Inikeza ulwazi mayelana nezivivinyo zomtholampilo kanye nocwaningo oluhlobene nomdlavuza. |
Khumbula ukuxhumana nomhlinzeki wakho wokunakekelwa kwezempilo kanye nenkampani yomshwalense ukuze uthole isiqondiso esiqondene nawe kanye nezilinganiso zezindleko ezinembile ezihlobene nesimo sakho esithile.
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