Main >> Inkampani >> Kubiza malini ukwelashwa komdlavuza webele e-U.S.

Kubiza malini ukwelashwa komdlavuza webele e-U.S.

Kubiza malini ukwelashwa komdlavuza webele e-U.S.Inkampani

Ukuxilongwa komdlavuza webele kuyizindaba ezilimazayo kunoma ngubani, kungakhathalekile ukuthi uneminyaka emingaki, isimo sezezimali, noma ubulili. Abesilisa nabesifazane bangaba nomdlavuza webele, yize uvame kakhulu kwabesifazane. Kulinganiselwa lokho Ithuba lokuphila lowesilisa elithola umdlavuza webele ngu-1 kwabayi-1 000 , ngenkathi kwabesifazane ingozi igxumela ku-1 kwabangu-8 .





Akunandaba ukuthi amathuba akho aphezulu noma aphansi kangakanani, umdlavuza webele ngumcimbi oguqula impilo ongavivinya ukuzimisela kwakho, uphonsele inselelo umzimba wakho, futhi ukhiphe i-akhawunti yakho yasebhange. Ukwelashwa komdlavuza webele kuyabiza. Lezi yizindleko ongabhekana nazo ngemuva kokuxilongwa — unomshuwalense ngaphandle nangaphandle.



Ziyini izindleko ezijwayelekile zokwelashwa komdlavuza webele?

Sekukonke, i izindleko ezijwayelekile womdlavuza webele ulinganiselwa ku- $ 20,000 kuya ku- $ 100,000. Ihlukahluka kakhulu ngoba zonkeukulwa nomdlavuza webele kuhlukile — kuya ngokuthi utholakale nini nokuthi usuthuthuke kangakanani. Ezimweni eziningi, ukuxilongwa kuzoqala enkambweni yezindleko ezijwayelekile ezibandakanya ukuvakashelwa kwehhovisi, umsebenzi webhu, nemithi kadokotela. Yize kuvame ukucatshangwa ukuthi i-chemotherapy yingxenye yokwelashwa ebiza kakhulu, kungashaqisa ukufunda ukuthi imishanguzo yomdlavuza ibiza malini.

Ngaphandle komshwalense, Lynparza (incwadi kadokotela esetshenziselwa ukwelapha umdlavuza webele osakaze kwezinye izingxenye zomzimba) ibiza u- $ 156,000 ngonyaka. Ngokudabukisayo, lesi sibalo sijwayelekile kunokuhlukile, futhi izindleko ezinkulu okuholela iziguli ukweqa noma ukwelashwa ngokuphelele kwe-forego .

Imithi iyingxenye yenkinga kuphela. Abaningi abatholakala kwizigaba zakamuva badinga i-chemotherapy. Futhi, izindleko zingahluka kakhulu, kepha umjikelezo oyisisekelo we-chemo ungabiza u- $ 10,000 kuya ku- $ 100,000 noma ngaphezulu . Ngokwengeziwe, abantu abaningi badinga imishanguzo kanye nokwelashwa ngamakhemikhali ngasikhathi sinye. Izindleko ezingeziwe ze- UHerceptin , evame ukubekwa eceleni kwe-chemo, ihambisa intengo yokwelashwa ibe ngaphezu kwama- $ 160,000.



Abanye besifazane badinga i-mastectomy yokwelapha umdlavuza webele. Lokhu kuhlinzwa kuyabiza kukodwa, futhi kuvame ukubhangqwa ne-chemotherapy. Ngokwesilinganiso, inqubo ibiza cishe ama- $ 13,000 , engafaki noma yiluphi uhlobo lokwakhiwa kabusha. Ukwakhiwa kabusha kwesifuba ngemuva kwe-mastectomy ingeza noma yikuphi kusuka ku- $ 5,000 kuya ku- $ 8,000 enanini lentengo, kuya ngodokotela ohlinzayo.

Ingabe ukwelashwa komdlavuza webele kuhlanganiswa nomshwalense?

Umshuwalense wezempilo uyindlela engcono yokukhokhela izindleko zokwelashwa komdlavuza webele. Ukumboza kwakho kuzosusa izikweletu eziningi, futhi kungasebenza ngisho nabahlinzeki ukuxoxisana ngenani eliphansi elifunekayo.

Esinye isiguli saphawula ukuthi isikweletu saso sokuqala sasingu- $ 200,000 , nokho inkampani yakhe yomshuwalense yakwazi ukukhokha u- $ 60,000 kuphela. Ngenxa yohlelo lwezempilo oluhlinzekwe ngumqashi wakhe, ugcine ekweleta u- $ 3,000 kuphela ephaketheni.



Noma ngabe umbozwe umshwalense noma cha, ukutholwa ngaphambi kwesikhathi kunganciphisa kakhulu izindleko. Ucwaningo olushicilelwe ngu Izinzuzo Zezempilo ZaseMelika Nezidakamizwa kuqhathaniswa izimangalo zomshuwalense ezivela kwabesifazane abehlukene abake bathola ukwelashwa komdlavuza webele futhi bathola imiphumela emangazayo. Izindleko ezijwayelekile zokwelashwa komdlavuza webele phakathi nonyaka wokuqala ngemuva kokuthola ukuxilongwa zazimi kanje:

  • Isigaba 0 izindleko zomdlavuza webele: $ 60,637
  • Izindleko zomdlavuza webele we-Stage I / II: $ 82,121
  • Izindleko zomdlavuza wesigaba sesithathu: $ 129,387
  • Izindleko zomdlavuza webele wesigaba IV: $ 134,682
  • Izindleko zesilinganiso somdlavuza webele kuzo zonke izigaba: $ 85,772

Ukutholwa kusenesikhathi kusiza ekunciphiseni izindleko zakho zezokwelapha ngezinga elikhulu futhi kukunikeza nethuba elingcono lokunqoba ukuxilongwa kwakho. Abesifazane abaneminyaka engama-40 noma ngaphezulu kufanele babe ne-mammogram njalo ngonyaka . Abesifazane abasengozini enkulu kufanele baqale lesi silinganiso sokuvimbela lapho beneminyaka engama-30.

OKUSHIWO: Izinto eziyi-9 ongazenza ukuvikela umdlavuza



Izindlela ezi-5 zokonga imali ku- izindleko zomdlavuza

Labo abangenawo umshuwalense bangaba nesikhathi esinzima kakhulu ukukhokha lezi zindleko eziphakeme. Ngisho nalabo abanesembozo bangabhekana nezikweletu ezingaphezu kwamandla abo wezezimali okukhokha. Kunezinto eziningana okufanele uxoxe ngazo nodokotela wakho ukubona ukuthi ukwehlisa izindleko zokwelashwa komdlavuza webele kungenzeka, kufaka phakathi:

  1. Ukucela izinhlobo ezijwayelekile zemithi yakho kadokotela.
  2. Ukuxoxa ngenketho yokusetha uhlelo lokukhokha.
  3. Ukuthola ukuthi ngabe uyakufanelekela yini ukuhlolwa kokwelapha, okubiza kancane noma okungatholakala mahhala.
  4. Ukubuza ngosizo lokukhokha oluvela ezinhlanganweni zikahulumeni.
  5. Usebenzisa amakhuphoni wamahhala avela ezinkampanini ezinjengeSingleCare ukonga kwimithi kadokotela.

Sebenza nodokotela wakho ukuthola indlela yokwelashwa ekufanele, nezimo zakho zezezimali.