Ininshurensi kunye neNkcitho yoNonophelo lweMpilo
Unokuba nomdla ekuthatheni inxaxheba kwisilingo somhlaza weklinikhi kodwa uxhalabele malunga nokuba ngaba awuyi kuhlawulwa kwipokothwa kwiindleko zonyango. Makhe sihlolisise indleko zezimali, ukuba kukho na, ukuba kuvavanyo lweklinikhi, kwaye ukuba le nto ingabangela njani kwisigqibo sakho.
Uluphi Uvavanyo Lwezonyango?
Ulingo lweklinikhi yiphononongo apho umntu onokuzithandela angena kwiyeza elitsha okanye kwisixhobo esitsha kwimeko ethile yempilo.
Injongo yolu vavanyo lwekliniki kukuqinisekisa ukuba ngaba iyeza okanye idivaysi isebenzayo kwaye iphephile. Ukuze uthathe inxaxheba kwilingo lekliniki, umntu kufuneka ahlangabezane neemfuno ezithile. Kwakhona, ukuthatha inxaxheba kukuzikhethela ngokuzithandela, kwaye kukho imithetho kunye nenkqubo ekhuselweyo ekukhuseleni amalungelo akho njengesivolontiya, ngokutsho kwe-American Cancer Society.
Ngaba Iimvavanyo Zoklinikhi Zisikhululekile?
Hayi, izilingo zekliniki azikhululekile. Omnye kufuneka ahlawule, kodwa ngokobuninzi bexesha, akusiyo isigulane esihlawulayo. Uninzi lwezilingo zeklinikhi zixhaswa ngemali okanye zixhaswa ngemali, ngoko ke akukho ntlawulo kumntu othabatha inxaxheba.
Kwakhona, ngo-2014, ngokoMthetho we- Care Affordable , izicwangciso ze-inshorensi entsha zempilo kufuneka zifake iindleko zenkqubo yokunyamekela abantu abathathe inxaxheba kwiimvavanyo zonyango ezijongene nomhlaza kwaye zihlangabezane neemfuno ezithile. Iindleko zokunakekelwa rhoqo zibandakanya amayeza, iimvavanyo, kunye nokutyelelwa koogqirha apho umntu ngokuqhelekileyo uya kufumana umhlaza kunye nokunakekelwa kwempilo, kungakhathaliseki ukuthatha inxaxheba kwilingo lonyango.
Oku kuthetha ukuba i-inshurensi ayinakuyeka ukuhlawula i-coverage ngenxa yokuba umntu uyavolontiya kwilingo lekliniki, kwaye abanakukhanyela umntu ilungelo lakhe lokuthatha inxaxheba kwilingo leklinikhi ngokunciphisa ukufikelela kwazo iimvavanyo ezihambelana novavanyo. Oko kuthethwa, iinkampani zomshuwalense akufanele zihlawule iindleko zonyango okanye isixhobo esisetyenzisiweyo.
Kukho nemimiselo yomgaqo-nkqubo malunga ne-inshorensi yokufumana iindleko zoqhelo zonyango. Le mithetho iyahluka ngurhulumente. Unokufunda okungaphezulu malunga nokugqithiswa kwe-inshorensi yokuthatha inxaxheba kwilingo leklinikhi ngokuya kwi-American Society ye-website yeCliniki ye-Clinical Oncology.
Ekugqibeleni, kukuhle ukwazi ukuba i-Medicare ibuyisela iindleko zokunyamekela izigulane kubaxhamli bayo abaye bathatha inxaxheba kwiimvavanyo zonyango ezenzelwe ukuxilonga okanye unyango lomhlaza. Ukufumana ulwazi oluthe xaxa malunga novavanyo lwezonyango nge-Medicare, tyelela i-www.medicare.gov okanye ubiza 1-800-633-4227 (1-800-MEDICARE)
Lithetha ntoni Oku?
Okokuqala, kubalulekile ukuba neengxoxo ezigqithisiweyo kunye noogqirha kunye nabathandekayo bakho ngaphambi kokuthatha inxaxheba kwilingo leklinikhi . Khumbula, kuba kuyilingo lekliniki, isiphumo asiyazi, ngoko ke ulindelo lwakho lufanele lwenzeke. Okwesibini, mazise njengoko unako malunga nokuvavanywa kweklinikhi kunye nonyango oya kuba nayo. Okwesithathu, ukuba unenkxalabo malunga neendleko, qiniseka ukuba uqinisekisa ngenkampani yakho yomshuwalense kunye neqela lokunyamekela umdlavuza nokuba uya kuba noxanduva luluphi na iindleko ezihambelana nazo.
Imithombo:
American Cancer Society. (2014). Uvavanyo lweZliniki: Okufuneka Ukwazi.
American Cancer Society. Abanini-bhankanyi bangebucala kunye nomthetho omtsha wokunakekelwa kwempilo.