Iindlela zokuhlawula ukutyilwa kwe-Organ Transplant Surgery

1 -

Indlela yokuhlawula i-Organ Transplant

Uphando luya kuba lubi kakhulu kwaye utyando lokuguqulwa komzimba luphakathi kweenkqubo ezibi kakhulu. Kubantu abajongene neenkqubo ezibizayo, ezinokuthi okanye ezingenakuba yinkqubo yokutshintshwa, kunokufuneka ukuba ukhulise imali kwangaphambili kunyango.

Ukuvavanywa kokuqala okufunekayo ukuba isigulane sibekwe kuloluhlu lokulindela ukutshintshwa okanye ukucocwa ukuhlinzwa singadla amawaka eedola, nangona isigulane singabhedleleki ngexesha leenkqubo

Akuqhelekanga kwindleko yokuhlinzwa okukhulu kunye nokulandela ukulaliswa kwezibhedlele ukuze kubangele ibhilikhwe engaphezu kwama-500,000. Ngelishwa, iindleko azipheli ngokuhlinzwa; Iindleko zamachiza kunyaka emva kokuba unyango lube ngamawaka eedola ngonyaka.

Ngokufanelekileyo, isiguli siya kuba ne-inshorensi eyimfuneko yokuhlawula uninzi lweendleko kunye nefomu yesibini ye-inshurensi ukuhlawula iindleko ezisele. Ngaphandle kwenkonzo ephezulu yomshuwalense ohlawula i-80% yebhilikhi epheleleyo, i-20% esele ingadlula i-$ 100,000 kwi-operesheni yodwa. Ngenkxaso yesibini okanye eyongezelelweyo yomshuwalense, i-20% esele ihlawulwa yinkampani yomshuwalense kunokuba isigulane.

2 -

Iindleko ze-Organ Transplantation kunye nezinye iiNtsholongwane ezinkulu

Ukuhlolwa kwangaphambili kwezibhedlele, iimvavanyo zelabhu kunye nokuvavanya ngokubanzi ekulungiseleleni ukuhlinzwa konke kubangele kwiindleko eziphezulu zokufakelwa. Ezinye iindleko ezongezelelweyo ezingenakuzilindela ziquka:

• Izibhedlele ziyimfuneko phambi kokuhlinzwa
• Iindleko zonyango ngaphambi kokuhlinzwa, njenge-dialysis kunye neepumpu zamapompo
• Utyando lokutshintshwa nokulaliswa esibhedlele
• Amachiza okulwa nokuchasa
• Ukutyelela okuqhubekayo kunye nodokotela ogqirha
• Naluphina unyango olongezelelweyo olufunekayo
• Ii-deductibles, ezihlawula imali kunye nama-premiums
• Iindleko ezingezizo zonyango, kuquka ukunyamekelwa kwabantwana, ukuhamba, nokulala
• Umvuzo olahlekileyo

3 -

Ukuhlawula i-Surgery ebiza kakhulu nge-Inshuwalense yabucala

Ubunishuwalense yabucala ngumsebenzi ongaxhaswa nguRhulumente; isiguli okanye iqabane lifumana ipolisi yomshuwalense yabucala evela kumqeshi wakhe. Kwezinye iimeko, ingakumbi kubantu abazisebenzisayo, i-inshurensi yabucala ingafumaneka ngaphandle kwendawo yokusebenzela. Kwimeko apho, isigulane sihlawula i-premium yomshuwalense.

Ngokuxhomekeka kwisicwangciso, i-inshurensi yabucala ingathatha ininzi enkulu yeendleko zokufakelwa komzimba. Nangona kunjalo, ezininzi iiprogram ze-inshorensi zinesi "cap" okanye ubuninzi ukuba inkampani yomshuwalense iya kuhlawula ukunyamekelwa kwesigulane. Le nqaku ingadibana okanye idluliswe ngononophelo oluqhelekileyo ngexesha lokufakelwa komzimba.

4 -

I-inshurensi yesibini inokukunceda ukuchasa iindleko zoPhando

I-inshorensi yesibini ngumgaqo-nkqubo ofunyenwe ukongeza kwinshurensi efunyenwe ngumqeshi, urhulumente okanye ngasese. Kunconywa ukuba izigulana zokutshintshwa kwezigulane ezingenayo inqubomgomo yomshuwalense wesikolo zifumana umgaqo-nkqubo wesibini ukuze uncede ukuhlawula iindleko ezingagqitywanga ngumgaqo-nkqubo we-inshorensi oyintloko.

I-COBRA ngumzekelo we-inshurensi yabucala eyatholakala ngaphandle kwendawo yokusebenzela; isigulane sihlawula i-premium yomshuwalense.

5 -

Ukusebenzisa i-Medicare kunye neMedicaid ukuhlawula i-Surgery

LweMida

Olu hlobo lomshuwalense oxhaswa ngu rhu lumente luhlawulela ukuhamba, kodwa akusiyo wonke umntu ofanelekileyo wokufumana inkxaso. Ihlawulela nezinye iindidi ezininzi zokuhlinzwa, ukuba le nqubo ibonakala iyimfuneko.

Izigulane ezingaphezu kweminyaka engama-65, abakhubazekileyo kunye nalabo baye bafumanisa ukuba banesifo sokuphela kwesigxina (ESRD) esifanelekileyo kwi-Medicare. Ukongezelela, izigulane zifanelekile ukuba zona okanye iqabane labo lihlawule kwi-Medicare system. Iwebhusayithi ye-Medicare ethi www.medicare.gov inikeza ulwazi oluthe nkcukacha ngokumalunga nokulungelelanisa, kunye naluphi uxwebhu olufumaneka kwimeko nganye.

Uxilongo

I-Medicaid i-inshorensi exhaswe ngu rhu lumente kwizigulane ezingenanto eziphantsi kweenkonzo ezilawulwa yilizwe ngalinye. Ukuxhaswa, kunye neziqinisekiso zokufikelela, ziyahlukahluka phakathi kwamazwe. Umyinge wembuyekezo ukwenzela ukufaneleka ukuhlukahluka ngokusekelwe kubukhulu bentsapho kunye nenqanaba lemali engenayo, kodwa ingeniso encinci ayithethi ukuba isigulane siya kulungelelanisa.

Ukuba isiguli asifaneleki kwiMedicaid ngenxa yezinga lokufumana imali, usenokufanelekela ukuba "uchithe phantsi" iMedicaid, eqwalasela inani lemali ehlawulwayo ngononophelo lwempilo. Umcwangcisi wezemali kwiziko lokutshintshwa kufuneka abe nako ukunceda izigulane zihambe zijongene neofisi yezokukhuseleko loluntu elawula iMedicaid.

Amasebe e-Medicare kunye neeNkonzo zeMedicaid IiNkonzo

6 -

Ukusebenzisa iiNzuzo zoLutsha lokuTyala ukuTyhulwa komzimba

Amapolisa asebenza ngokusemkhosini okanye ohlala emkhosini angakwazi ukufumana i-inshorensi eyongezelelweyo ngurhulumente, owaziwa njengeTricare. Le nzuzo yezilwanyana iya kuncedisa kwiindleko zokufakelwa komzimba.

Olunye ulwazi lufumaneka kwiwebhusayithi yeTricare.

7 -

Ukuhlawula Ukutshintshwa Kwempahla NgeziKhwama Zabantu

Izigulane ezininzi azikwazi ukuhlawulela iindleko ezipheleleyo zokuhlinzwa, okanye ixabiso elincinci le-inshurensi elincinci, usebenzisa imali yazo. Uninzi lwabantu abalinde ukufakelwa komzimba bunobunzima bezezimali, ingakumbi ukuba ukugula kwabo kubangele ukuba babekwe ukukhubazeka.

Oku akuqhelekanga, kwaye izigulane ezininzi zihlola ezinye iindlela zokuncedisa ukuba zixhase inkqubo yazo.

8 -

Ukuxhaswa kweNgxowa-mali yokuhlawula ukuTyala

Ezinye izigulana zokufakelwa kwimiba yenkonzo karhulumente ekuncedeni ukuhlawula iindleko zokufakelwa. Imibutho yenkonzo yoluntu ihlala ikulungele ukunikela ngokunceda isigulane sithole utyando olusindisa ubomi. Ezinye izigulana zikhetha ukubamba iziganeko zokuxhaswa kwezimali, ezifana nokuhamba-tons, okanye ukubhenela kubahlobo babo, iintsapho kunye namanye amalungu asekuhlaleni ukuze bancede ukuphakamisa imali abayidingayo.

Abaququzeleli bezemali kumaziko okutyala bangaba nako ukunika uncedo ekufumaneni imibutho enokuba negalelo kwimigudu yakho yokuxhaswa ngemali.

Ezinye izigulane ziphumelele kakhulu kwi-online fundraising, ngokusebenzisa iwebhusayithi njenge-GiveForward.com ukwabelana ibali labo kunye neemfuno eziphuthumayo.

_Iingxelo:

Ukuxhaswa kweeMali Ukutshintshwa-Iindleko. I-United Network Network for Sharing Sharing (UNOS). 2008. http://www.transplantliving.org/foreforetransplant/finance/finance.aspx