Ukugqiba ukuba ngaba okanye akunjalo ngokwenene
Intshuwalense ye-Cancer iyisithuthi esitsha kwihlabathi leproshurensi yezempilo . Yadalwa ngokuphendula kwimilinganiselo yokwandisa umdlavuza e-US kunye neendleko eziqhelekileyo zokunyanga komhlaza.
Le mveliso yomshuwalense eyongezelelweyo yenzelwe ukunceda ukunciphisa iindleko ze-e-pocket kunye nebhodi phakathi kwento eyimfuneko yomshuwalense wakho oyintloko kwaye ayifihla .
Kodwa umbuzo yilo: ngaba uyayixabisa?
Intshayelelo ye-Cancer Insurance
Iinshurensi yomhlaza we-Cancer ayilungiselelwe ukuba ithathe indawo yomshuwalense wempilo yenkcubeko kodwa ukuyincoma ngokuhlawula iindleko ezinxulumene nenkatho ezingabandakanywa ngumgaqo-nkqubo wakho. Kukho iindlela ezimbini apho le nshurensi isebenza ngayo:
- Ngezona zicwangciso ezininzi, uya kufumana isamba semali xa ufumene umdla ngomhlaza ongayisebenzisa kuzo zombini iindleko zonyango kunye neendleko zokuhlala eziqhelekileyo. Usebenzisa imali leyo nayiphi na indlela ukhetha ukuyifumana ngayo umvuzo olahlekileyo, ukuxhatshazwa kunye nokuhlawula imali .
- Ngokungaqhelekanga, umgaqo-nkqubo unokubonelela ngeendleko ezinxulumene nomhlaza ngasentla kwaye ngaphaya komgaqo-nkqubo wakho wezempilo oyintloko. Into echanekileyo ikhutshwe kakhulu kwaye inokuthi, ngamanye amaxesha, inokubakho okufanayo njengaleyo kwisicwangciso sakho esiyintloko.
Le nkqubo iqala ukusebenza emva kokuba inkampani ye-inshorensi ifumana amaxwebhu e-diagnostic yakho.
Kukho ixesha lokulinda emva kokuthenga ngaphambi kokuba liphumelele ngokupheleleyo.
Ulungelelwaniso lweNtsholongwane kaGawulayo
Ukuba ufanelekele ngomshuwalense womshuwalense, ngokuqhelekileyo awukwazi ukufumana imeko ekhoyo ngaphambili ebeka phambili kumhlaza. Ngokomzekelo, awukwazi ukufunyanwa ngumhlaza wesibeleko uze ufake isicelo somgaqo-nkqubo.
Kwiimeko ezininzi, abantu abaye bafunyanwa kwaye baphathwa ngomhlaza nabo bavumelekanga. Amanye amaqela, afana nalawo anesifo se-HIV, aqhelekanga ngaphandle kokuba isifo sidibene nomngcipheko okwandisiweyo weentlobo ezininzi zomhlaza.
I-Intshurensi Yenzululwazi Yenzani kwaye Ayifuni
Nangona i-inshurensi yomhlaza yomshuwalense ihlukahluka ngokusekelwe kumniki-nkcukacha kunye neenkcukacha zomgaqo-nkqubo, ezininzi izicwangciso zibandakanya iindleko zonyango kunye neengcali zonyango.
Iindleko zonyango zingabandakanya ii-copays, ukuhlala kwezibhedlele ezongeziweyo, iimvavanyo zebhabhi, unyango oluthile lwezonyango, kunye neenkqubo ezinjengeziqu ze-stem cell transplants. Iindleko ezingekho phantsi kwezonyango zingabandakanya ukunakekelwa kwezempilo ekhaya, ukulahleka kwemali engenayo, izindleko zokunakekelwa kwabantwana, kunye nokuncedisa ukuphazamiseka kokutya.
I-inshorense yomhlaza yomshuwalulwazi kaninzi ayifuni nayiphi na iindleko ezinxulumene nomhlaza wengqanda ongeyena melanoma. Ukongezelela, abo abanomdlavuza wamandulo, njenge- carcinoma in situ , banokufumana ukuhlawula okuncitshisiweyo, ngokuqhelekileyo kwisiqingatha okanye ngaphantsi kwento enokufumana ngayo ukuhlaselwa ngumhlaza.
Yazi Iimpawu Ngaphambi Kokuthenga
Kukho ingxoxo enkulu malunga nesicwangciso sezempilo esithile. Abanye abantu bayabomeleza ngokuqinisekileyo xa abanye bakholelwa ukuba bangomashini okwenza imali abaphanga abantu.
Nazi ezinye iingongoma ekufuneka uziqwalasele xa ucinga ngokuthenga isicwangciso se-inshurensi yomhlaza:
- Yazi ingozi yomhlaza wakho. Abo baneenkcukacha ezinomdla wentsapho yomhlaza bangathanda ukujonga ngepolisi yabo yangoku kwaye babone ukuba i-inshurensi yomhlaza ingayifaka ingxelo. Oku kufana nalabo abanomdla wokuhlaselwa ngumhlaza, njengabantu abanokuguqulwa kwe-BRCA2.
- Qaphela ukuba ukuphucula umgaqo-nkqubo wakho okhoyo unokubonelela ngophawu olufunayo. Ukukhetha ukuphucula umgaqo-nkqubo wakho wamanje ungabakhetha ukhetho kulabo abasengozini yomhlaza. Ingadla imali encinci ukuphuculwa kwaye ikunikeze uluhlu olubanzi lweemeko ezinxulumene nomhlaza, ngokunjalo.
- Khumbula ukuba imigaqo-nkqubo emibili ayinayo imigaqo-nkqubo ayifuni ngokuphindwe kabini. Ukuba ne-inshorensi yempilo ebanzi kunye nenkqubo yomshuwalense othe ngqo ngumhlaza akuthethi ukuba uyakufumana kabini inzuzo. Izihlandlo ezininzi, unyango olungabandakanywa ngumgaqo omnye ungaphinda ungabandakanywa omnye.
- Funda ulungelelaniso lweSahlulo seNzuzo . Ininzi ye-inshorensi enkulu i-Coordination of Benefits (COB) echaza ukuba inshurensi ayiyi kugubungela iindleko esinye isicwangciso. Ngokuthenga i-inshorensi yomhlaza, unokwenene ukuhlazisa izibonelelo ezibonelelwe kwisicwangciso sakho esiyintloko. Akuqhelekanga kubaboneleli ababini ukuba bathathele inxaxheba komnye ngaphandle kokuthatha ingqalelo. Nangona le miba ingaqheleke ihlelwe ngaphandle, inokubangela ubuninzi beentloko ezingadingekile kunye nokuchitha ixesha.
Ezinye iikhompyutheni
Ukuba unenkxalabo malunga nezimali ezithatyathwa yintsapho yakho inokuthatha ukuba unomdlavuza, kukho ezinye iindlela ongakhetha ngazo:
- Ukumisela i- akhawunti yokulondoloza impilo (i-HSA) okanye i- akhawunti yokuchithwa kwe-flexible (FSA) ngokusebenzisa umqeshi wakho unokukuvumela ukuba ubeke imali ngaphandle, ngaphandle kweerhafu, kwiindleko ezingaphezulu naphaya kwazo zifunyenwe yinshurensi yakho.
- Isicwangciso se-inshorensi yesifo esibalulekileyo singabonelela ngomhlaza wesifo kunye nezinye iintlobo zezifo ezibuhlungu, ezifana nesifo senhliziyo okanye isifo. Njengoko kunye nezicwangciso ze-inshorensi yomhlaza, kubalulekile ukuba ufunde ukushicilelwa okulungileyo ukuqonda ukuba zeziphi iimeko (okanye izigaba zokugula) umgaqo-nkqubo uquka.
- Ukuba uxhalabele malunga nomvuzo olahlekileyo, cinga ukutyalomali kwi -inshorensi yokukhubazeka yesikhashana ehlawulela nayiphi na imeko yonyango echaphazela ukukwazi ukusebenza.
Thatha imiyalezo yasekhaya
Ngaphambi kokuthenga nayiphi na isicwangciso se-inshurensi yomhlaza, kukho imigaqo emine yesikhumba, kufuneka ulandele rhoqo:
- Kubalulekile ukuba uqonde kakuhle oko kuhlanganiswe kumgaqo-nkqubo, oko kungabandakanyiyo, kwaye yintoni ixesha lokulinda ngaphambi kokuba ukwazi ukufikelela kwizibonelelo.
- Kufuneka uqhathanise rhoqo iinzuzo zomgaqo-nkqubo ongezelelweyo kunye nalawo mgaqo-nkqubo oyintloko ukuze ubone ukuba kukho i-overlap or redundancy. Ayikho ingqondo ekuthengeni i-inshorensi yomhlaza xa yakho yangoku ihlanganisa iindleko ezininzi okanye zonke iindleko ezifanayo.
- Ukuba ukholelwa ukuba iindleko zonyango lomhlaza azihlanganiswa ngokwaneleyo ngesicwangciso sakho esiyintloko, cinga ukuba ukuphuculwa kungazalisa ezo zikhefu.
- Ukuba unqumle ukuba inshurensi yomhlaza yindlela efanelekileyo, thatha ixesha lokuthenga. Oku kubandakanya ukuthenga ezinye iindidi zokubhengezwa kuquka i -inshorensi yokukhubazeka kwexesha elide .
Ekugqibeleni, kubalulekile ukuba ukhumbule ukuba kukho ukuncitshiswa kweerhafu kubantu abanomdlavuza . Ngokugcina irekhodi eliqinileyo yazo zonke iindleko ze-out-of-pocket, kuquka ukuhamba ukuya kwiiklinikhi yakho, unokunciphisa ukunyuswa kweerhafu wonyaka kunye nokugcina imali.
Imithombo
- > Kirchhoff, A .; Kuhlthau, K .; Pajolek, H .; okqhubekayo. Umbandela weNkxaso-mali ye-Intshumo yeMpilo: Imiphumo evela kwi-Childhood Surcervor Study Study. Unonophelo loNcedo kwiCancer . 2013; 21 (2): 377-83.
- > Nekhlyudov, L .; Walker, R .; Ziebell, R .; okqhubekayo. Iimbono zeNtsholongwane kaNtsholongwane, iNgxowa-mali, kunye neNgqesho: Iziphumo ezivela kwiSifundo seMultisite. I-Journal yeCarcer Survivors . 2016; 10 (6): 1104-1111.