
Ukuqonda Izindleko Eziphuma Ephaketheni Zokwelashwa Komdlavuza Wendlala Yendlala Lesi sihloko sinikeza umbono obanzi wezindleko ezihlobene nokwelashwa komdlavuza wendlala yesinye, ikusiza ukuthi uhlole izinkinga zezimali futhi wenze izinqumo ezinolwazi. Sihlola izindlela zokwelashwa ezahlukahlukene, ukukhava komshwalense, namasu okuphatha izindleko. Ukuqonda lezi zici kuzokunika amandla okuhlela ngempumelelo futhi ufinyelele ukunakekelwa okungcono kakhulu.
Ukwelashwa komdlavuza wendlala yesinye kungabiza, nokuqonda amandla izindleko eziphuma ephaketheni ibalulekile ekuhleleni izimali ngempumelelo. Izindleko eziphelele ziyahlukahluka kuye ngezinto ezimbalwa, okuhlanganisa isigaba somdlavuza, ukwelashwa okukhethiwe, umshwalense wakho wezempilo, kanye nabahlinzeki bezempilo abathile abahilelekile. Lo mhlahlandlela uhlukanisa lezi zici ezibalulekile ukukusiza ukuthi ulindele kangcono futhi uphathe izici zezimali zokunakekelwa kwakho.
Isigaba somdlavuza wendlala yesinye sithinta kakhulu izinketho zokwelapha futhi, ngenxa yalokho, izindleko. Umdlavuza wendlala yesinye wesigaba sokuqala ungase udinge ukwelashwa okungatheni kakhulu, okuholela ezindlekweni eziphansi. Izigaba ezithuthukile zivame ukudinga ukungenelela okunolaka nokubizayo njengokuhlinzwa, ukwelapha ngemisebe, nokwelashwa ngamahomoni. Ukutholwa kusenesikhathi nokungenelela kungaba nomthelela omkhulu kuwo wonke umthwalo wezezimali.
Ziningi izindlela zokwelapha ezikhona zomdlavuza wendlala yesinye, ngayinye enezindleko ezihlukene. Lokhu kubandakanya:
Uhlelo lwakho lomshwalense wezempilo lukuthinta kakhulu izindleko eziphuma ephaketheni zokwelashwa komdlavuza wendlala yesinye. Ukuqonda indlela osebenza ngayo uhlelo lwakho lwezinqubo ezithile, imithi, nokuhlala esibhedlela kubalulekile. Ama-Deductibles, ama-co-pay, kanye ne-coinsurance konke kunomthelela ezindlekweni zakho zizonke. Kutuswa ukuthi ubuyekeze amadokhumenti akho epholisi ngokucophelela noma uxhumane nomhlinzeki wakho womshwalense ukuze ucacise imininingwane yokukhavwa.
Izimali ezikhokhiswa odokotela, odokotela abahlinzayo, izibhedlela, nabanye abahlinzeki bezempilo zingahluka kakhulu ngokuya ngendawo yabo nesithunzi sabo. Kuyinzuzo ukubuza mayelana nezindleko ezilinganisiwe kusengaphambili. Ukuxoxisana ngezinhlelo zokukhokha noma ukufuna izinhlelo zokusiza ngezezimali ngezinye izikhathi kungasiza ekulawuleni izindleko.
Amasu amaningana angasiza ukuphatha umthwalo wezezimali wokwelashwa komdlavuza wendlala yesinye:
Akunakwenzeka ukunikeza izibalo eziqondile ngaphandle kwemininingwane ethile. Ithebula elilandelayo linikeza umbono ojwayelekile wezindleko ezingase zibe khona. Lezi yizibonelo eziyimifanekiso futhi akufanele zithathwe njengamanani aqondile.
| Ukwelashwa | Ibanga Lezindleko Elilinganiselwe (USD) |
|---|---|
| Ukuhlinzwa (I-Radical Prostatectomy) | $15,000 - $50,000+ |
| Ukwelapha ngemisebe (I-Beam yangaphandle) | $10,000 - $30,000+ |
| I-Hormone Therapy (unyaka ongu-1) | $5,000 - $15,000+ |
Umshwana wokuzihlangula: Lolu lwazi lwezindleko olwezinjongo zemifanekiso kuphela futhi akufanele luthathwe njengeseluleko sezokwelapha noma sezezimali. Izindleko zangempela zingahluka kakhulu. Xhumana nabahlinzeki bakho bezokunakekelwa kwempilo kanye nenkampani yomshwalense ukuze uthole izilinganiso zezindleko ezinembile neziqondene nawe.
Ukuze uthole ulwazi olwengeziwe ngokwelashwa nokusekelwa komdlavuza wendlala yesinye, cabanga ukuhlola izinsiza ezivela ezinhlanganweni ezihlonishwayo njenge I-American Cancer Society kanye ne Izikhungo Zezempilo Zikazwelonke. Khumbula njalo ukufuna izeluleko zezokwelapha zesimo sakho esithile.
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