Amanqanaba okuSindisa ukuba iNkampani yakho ye-inshorensi ikulahlile
Unyango lwe-Cancer ungumsebenzi obiza kakhulu. Ngaphandle kwinshuwalense, iindleko zokuhlawula kunye kunye neentengo zedola zihlala zikhulu kakhulu, zibeka uxinzelelo kwimali yakho kunye nempilo yakho.
Ukususela ekutyelele ugqirha kwiimvavanyo zebhabhi kwiidakamizwa zonyango, iindleko ezingaphandle kweefowuni zinokunyuka ngokukhawuleza. Kwaye oko akubandakanyi iibhedlele kunye neendleko zokugada ezifunekayo ngamanye amaxesha.
Ngoku kongeza kwixabiso lokungabikho lonyango lokuthutha, uncedo lwekhaya, kunye nokunyamekelwa kwabantwana, kwaye ibhilikhi iya kuba yanda.
Ngaphambi kokuba udideke, kholosa ukuba kukho iinketho ezininzi ezinokunceda umthwalo wakho wemali. Abanye banikela ngenkokhelo ngqo kwiingxenye zononophelo lwakho xa abanye bekunceda ekunqobeni iingxaki ze-inshorensi ngokukhululeka.
Ukuba ubhekane neengxaki zemali ngenxa yonyango lomhlaza, qwalasela iingcebiso ezine ezilula ezinokukunceda:
1. Iingxelo zeNkcazo zeNkxaso yeNkxaso ye-Intshumo
Njengelungu elikhuselekile, unelungelo lokubhenela nayiphi na inkonzo okanye unyango lwenkampani yakho yomshuwalense inqatshile. Nangona inkqubo yesibheno ingaba yidala elide kunye nefuthe leemeko, lingafanelekile.
Inkqubo iya kubandakanya iincwadi zokubhala kunye nokwenza iifowuni kwenkampani yomshuwalense ngelixa iqokelela ulwazi oogqirha kunye nabanye abaqeqeshi bezempilo ukuze bathuthukise ngakumbi unyango. Ekubeni izibheno zivunyiwe kwimeko-yimeko, ngokuqhelekileyo kulungele ukusebenza nommeli wesigulane onokukunceda ukuhamba kwinkqubo.
Izibhedlele ezininzi kunye neeklinikhi zeekliniki zineengcali kubasebenzi abangabancedisa okanye ubuncinci bakubhekisele kummeli ofanelekileyo kwindawo yakho.
Omnye umthombo osebenzayo yiSigqeba soMmeli weMonde, inarhente engenzi nzuzo enika iinkonzo zolawulo lwezehlo. Zikulungele ukunikela iingcebiso kunye neengcebiso malunga nendlela yokulwa nokukhanyela i-inshurensi nangona umgaqo-nkqubo wakho ubonisa ngokucacileyo ukukhawulelwa kwenkcazo.
2. Faka isicelo kwiNkqubo zoNcedo lweMonde (PAPs)
Iinkampani ezininzi zonyango ziye zineenkqubo zokuncedisa isigulane (PAPs) eziza kunika imishanguzo, i-free-charge, kubantu abafanelekileyo. Imigaqo yokufaneleka ayisoloko isekelwe kwingeniso, ngoko ungacingi ukuba awuvumelekile ngenxa yokuba unomsebenzi. Ii-PAP zadalwa zombini kubantu abangenayo i-inshorensi kunye nalabo abane-inshorensi abakwaziyo ukuhlawula iziyobisi zabo.
Ukubhaliswa kwe-PAP idinga isicelo esisodwa okanye ezimbini ngeemviwo ezongezelelweyo ezizaliswe ngugqirha wakho. Iofisi yakho ye-oncologist iya kuba yayazi i-PAPs ezifanelekileyo kwaye inokukunceda ngokubhalisa ukuba kuyimfuneko.
Nangona imali engenayo ingabandakanyi, iinkampani ezifanayo zihlala zinika iinkqubo zenkxaso-mali ye-copay (i-CAPs) ukukhupha iindleko zonyango ngaphandle kwe-pocket. Kwiimeko ezininzi, ukufaneleka kuya kusekelwe kwingeniso yonyaka engaphantsi kwama-500 ekhulwini we-Federal Poverty Limit (FPL). Oko kuthetha ukuba isibini esenza u-$ 80,000 ngonyaka singakulungeleka. Iifowuni zonyaka zihlala zifaka isicelo, kodwa imali yokugcina imali ingabongeza kalula kumawaka eedola.
3. Cela iiGenerics okanye iziSekisi
Amachiza okwelashwa ngumhlaza akaqalanga kwaye ayimise nge chemo. Izidakamizwa ezininzi zidlalwa ngexesha lokunyanga, kwaye ezi ziyakongeza ngokukhawuleza.
Ukuba imithi ekhethiweyo ayikho kwifom ye-inshorensi yenkampani yakho yonyango, jonga ukuba ugqirha wakho unokumisela ukuba i-generic okanye i-substitute. Oku kudla ngokunciphisa ukwedlula ukhetho lwegama legama kwaye lingenza umehluko omkhulu kwiindleko zonyango.
Ukongezelela, thetha nomboneleli wakho ukuba unqunywe nayiphina iipilisi ezidibeneyo. Ebizwa ngokuba yi-combination combination dose (okanye ii-FDCs), ezi ziipilisi zizonke zibiza kakhulu kunezixhobo zamachiza ngamnye. Ukuba awuyikucinga ukuthatha iipilisi ezintathu endaweni enye, le nto inokuba yindlela efanelekileyo yokunciphisa iindleko.
4. Thelekisa ii-Pharmacy kunye neeMveliso zamayeza
Ukuba ukuhlawula izidakamizwa ezingekho kwi-pocket ephakamileyo, kukuqiqisa ukuthelekisa amaxabiso kwii-pharmacy ezahlukeneyo.
Kukho uqukeko olukhulu kwiindleko ezivela kwisinye sezidakamizwa ukuya kwesilandelayo.
Khankanya nje i-pharmacy uze ubatshele ukuba yiyiphi imichiza oyifunayo, kuquka umyinge kunye nobungakanani, kwaye wenze okufanayo namanye ama-pharmacy endaweni yakho. Kuqhelekile ukuba abathengi bacele ukuhlolwa kwexabiso, ngoko musa ukuziva ukhululekile ukwenza njalo.
Ungakwazi kwakhona ukwenza intengiso ye-intanethi ihlola kwiwebhusayithi yenkampani yakho yinshurensi. Abaninzi namhlanje banokunika izixhobo zokwenza ukuhlolwa kwexabiso elikhawulezileyo phakathi kwee-pharmacy ezahlukeneyo kunye neenkonzo zeseyili.
Kwixesha lokukhangela kwakho, unokufumana uhendo lokusebenzisa iifasimesi ze-intanethi eziqhayisa amaxabiso angakholwanga kwigama legama lonyango. Ukuba kuzwakale kukunene ukuba uyinyaniso, zikhumbuze ukuba mhlawumbi.
Amayeza amaninzi e-intanethi asekelwe kumazwe angahambelani nemigaqo eqingqiweyo ye-FDA. Ukuba uthenga kubo, awugcini nje ingozi yokufumana inguqulelo ye "bootleg" yeziyobisi, unokwenza ulwaphulo-mthetho ngokungenisa ngokungekho mthethweni unyango kwi-US.
> Umthombo
- > Gao, L .; UJoseph, J .; I-Santoro-Levy, M .; Multz, A .; kunye ne-Gotlieb, V. "Ukusetyenziswa kweeNkqubo zoNcedo lweMithi kunye neNkqubo yoNcedo lweProduct ngokusebenzisa iSebe leNkxaso yeZifo zePilisi yezilwanyana zeAgciwane eziNyango." Pharmacy Hospital . 2016; 51 (7): 572-576.