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Ungakuthola kanjani ukulawulwa kokuzalwa kwamahhala (noma ungenawo umshwalense)

Ungakuthola kanjani ukulawulwa kokuzalwa kwamahhala (noma ungenawo umshwalense)Imininingwane Yezidakamizwa

Umbonile udokotela, unencwadi kadokotela, kodwa awunayo imali. Kuyisimo esivamile kakhulu abaningi, ngeshwa, bayohlangabezana nesikhathi esithile. Manje phindaphinda lokho kukhathazeka nokungaqiniseki ngo-12 uma udinga ukugcwalisa imishanguzo yokulawula inzalo njalo ngenyanga.





Amaphesenti angamashumi ayisithupha nambili abesifazane njengamanje asebenzisa ukulawulwa kokuzalwa bohlobo oluthile, ngokusho koMnyango Wezempilo kanye Nezinsizakalo Zabantu e-United States (i-DHHS). Ngaphandle komshwalense, izingxenye ezintathu kwezine zalabo besifazane ngeke ikwazi ukukhokhela ukulawulwa kokuzalwa uma intengo idlula u- $ 20 ngenyanga, njengoba iGuttmacher Institute itholile. Oyedwa kwabayisikhombisa akakwazi ukukhokhela ukulawulwa kokuzalwa nganoma iyiphi intengo. Ukulawulwa kokubeletha okungabizi, kwabesifazane abaningi, empeleni kufanele kuchaze ukulawulwa kokuzalwa kwamahhala.



Ngenhlanhla, lokho kungenzeka. Izinketho zokulawulwa kokuzalwa abesifazane abazidingayo ziyatholakala ngisho nangaphandle komshwalense futhi ngezindleko ezimbalwa – noma ngisho mahhala.

Ungayithola kanjani inzalo ngaphandle komshwalense

Ake siqale ngezisekelo. Noma ungenawo umshwalense, noma ngubani onencwadi kadokotela yokulawula ukuzalwa angayithenga ekhemisi.

Lokho kusho ukuthi uhambo oluya ehhovisi likadokotela luyadingeka. Iziguli ezingamboni njalo udokotela zingenza i-aphoyintimenti yokuhlela umndeni, impilo yomphakathi, noma umtholampilo wesihloko X.



Ngezindlela eziningi zokulawula ukubeletha, ukuvakasha kukadokotela kuzoba lula kakhulu. Okuncane kakhulu kuyadingeka ukuze udokotela anikeze inqubo yokulawula inzalo. Udokotela uzobuza imibuzo embalwa kufaka umlando wezokwelapha wesiguli futhi mhlawumbe athathe izimpawu ezimbalwa ezibalulekile. Ukuhlolwa akudingekile ngaphandle kokuthi isiguli sinesici esisodwa noma eziningi zobungozi, njengomfutho wegazi ophakeme noma umlando wokubhema.

Ngezindlela eziyinkimbinkimbi zokulawula ukubeletha, njengama-IUD, izifingo, noma okufakelwa, umsebenzi owengeziwe uzodinga ukwenziwa, njenge-pap smear, ukuhlolwa kwe-pelvic, noma ukufakwa kocingo lokulawula ukubeletha. Ukuhlolwa okungeziwe nenqubo yokususa kungadingeka futhi. Lezi zinqubo zizobiza kakhulu.

Kepha empeleni ukuthola kanjani ukuvimbela inzalo? Kuya ngendlela ekhethiwe.



Ukulawulwa kokubeletha okungaphezu kwamakhompiyutha, njengamakhondomu, ukubulala isidoda, kanye nephilisi elilandelwa ekuseni kumane kubandakanye uhambo olusheshayo lokuya esitolo sezidakamizwa. Imitholampilo yokuhlela umndeni kanye ne-STI ingahlinzeka ngamakhondomu nokubulala isidoda mahhala. Ungakwazi ukumane ungene futhi ucele lezi zindlela zokulawula ukubeletha.

Amaphilisi okulawula ukubeletha namanye amadivayisi wezokwelapha, njengekhanda lomlomo wesibeletho, azodinga ukuhambisa incwadi ekhemisi, yize eminye imitholampilo ingahlinzeka umuthi noma idivaysi esizeni.

Izindlela eziyinkimbinkimbi, zesikhathi eside zokulawula ukubeletha, ezinjengokufakwa kanye nama-IUD, kufanele zifakwe nguchwepheshe wezokunakekelwa kwempilo ehhovisi lezokwelapha.



Malini ukulawulwa kokuzalwa ngaphandle komshwalense?

Uma ungenzi umsebenzi wakho wesikole, impendulo elula kakhulu. Ukwenza isabelomali sokulawulwa kokubeletha kunzima. Amanani agcwele yonke indawo. Noma ngabe unomshuwalense noma cha, ukuthola ukulawulwa kokuzalwa ngentengo engabizi kuthatha kancane ukwazi.

Izindleko zokulawulwa kokuzalwa ngohlobo

Qala ngokuqhathanisa izinketho zokulawula ukuzalwa. Ngamunye uyehluka ngezindleko, inani, ukusebenza kahle, kanye nemiphumela emibi. Womabili amakhondomu abesilisa nabesifazane abiza u- $ 1 noma u- $ 2, kepha angasetshenziswa kanye kuphela. Amaphilisi okuvimbela inzalo ingabiza okuncane njengama- $ 8 ngenyanga, kepha imvamisa ibiza cishe ama- $ 20- $ 30 njalo ngenyanga. Ukulawula inzalo isikhathi eside, njengamadiyaphragm, izindandatho zesitho sangasese sowesifazane, ama-IUD, okufakelwa emzimbeni nama-hormone shots, kungabiza kusuka ku- $ 100 kuye ku- $ 1,500.



Ukuvakasha kukaDokotela nezindleko zokuhlolwa komzimba

Ukuvakasha kukaDokotela kuyizindleko ezingeziwe. Lindela ukukhokha kusuka ku- $ 20 kuya ku- $ 200 ekuvakasheni ngakunye uma ungenayo imishwalense. Izindleko zizoncika lapho uzifuna khona izinsizakalo zezokwelapha. Imitholampilo yezempilo kahulumeni, abahlinzeki abangama-340B, nemitholampilo yesihloko X bangakhokhisa iziguli imali engango- $ 0 ngokuya ngemali engenayo, kepha imvamisa ungalindela ukukhokha cishe u- $ 20 noma u- $ 25. Uchwepheshe, onjengodokotela wezifo zabesifazane, angabiza imali engange- $ 125 ngokuvakasha ngakunye.

Izindleko zokuhlolwa nezinqubo

Kumadivayisi ayinkimbinkimbi, njengama-IUD, ama-diaphragms, noma okufakelwayo, uzokhokhela ngaphezulu izivivinyo ezengeziwe nokuhlolwa. Lezi zindlela zokulawula ukubeletha zingadinga ukuvakashelwa okungeziwe kokulandela kanye nenqubo yokususa ekhuphula izindleko.



Izindleko zangaphambili zokulawulwa kokuzalwa kuqhathaniswa nenani lesikhathi eside

Ezinye izindlela zokuvimbela inzalo, njengamakhondomu abantu besilisa, ukubulala isidoda, kanye nokuvimbela inzalo okuphuthumayo, kungathengwa ekhawunteni ngaphandle kokukhokhela ukubona udokotela. Kepha ngoba lezi yizindlela zokuvimbela inzalo zesikhathi esisodwa kuphela, izindleko zokuzithenga kaningi zingangeza ngokuhamba kwesikhathi. Ukulawulwa kokuzalwa kwesikhathi eside, njengama-IUDs, ama-diaphragms, nama-shot control control, kungaba yinani elingcono ngokuhamba kwesikhathi kunezindlela zesikhashana.

Isibonelo, indlela eshibhile yokulawula inzalo, amakhondomu abesilisa, izobiza u- $ 1 ukusetshenziswa ngakunye. Akukho ukuvakashelwa kukadokotela okudingekayo. Noma kunjalo, lokhu kungangeza kuze kufike ku- $ 100- $ 300 ngonyaka. Izindlela zokuvimbela inzalo ezibiza kakhulu, zesikhathi eside zingangezela kuzindleko ezifanayo zonyaka noma ngaphansi. I-diaphragm yeminyaka emibili ingabiza u- $ 200 kufaka phakathi ukuvakasha kukadokotela. I-IUD yeminyaka eyi-12 ingabiza u- $ 1,300, kufaka phakathi ukuvakasha kukadokotela. Futhi, ekulawuleni ukubeletha isikhathi eside, kokubili ukuvakashelwa udokotela kanye nemithi noma okokusebenza kungenzeka kunikezwe izindleko eziphansi noma okuthile okusondele ukukhululwa emtholampilo wezempilo kahulumeni ezigulini ezihlangabezana neziqu zemiholo.



Ngakanani ukulawulwa kokuzalwa nomshwalense?

Abantu abanomshuwalense basenhlanhleni. Ngomshuwalense, ukulawulwa kokuzalwa akubizi lutho. Kulungile. I-Affordable Care Act (ACA) yokuphatha kuka-Obama iyalela ukuthi zonke izinhlelo zomshuwalense wezempilo amboze ukuvimbela ukubeletha kwabesifazane, kufaka phakathi ukuhlinzwa, futhi angakhokhisi iphoyinti ngokuvakashelwa udokotela noma indlela yokulawula inzalo enqunyiwe. Umshuwalense akudingeki ukuthi ubhekane nalo lonke uhlobo lomuthi noma okokusebenza, kepha okungenani inketho eyodwa kuzo zonke izigaba zokulawulwa kokuzalwa ihlanganisiwe ngaphandle kwamakhondomu abesilisa.

Izindleko zokulawulwa kokuzalwa ngaphandle komshwalense
Thayipha Kudingeka incwadi kadokotela? Igama lomkhiqizo elidumile Ukusebenza Izindleko eziphakathi neziphakathi ephaketheni * Izindleko ezimaphakathi ngesigqebhezana se-SingleCare
Amaphilisi okuvimbela inzalo Yebo I-Ortho Tri-Cyclen Lo (amaphilisi okuhlanganisa)

U-Errin (amaphilisi e-progestin kuphela)

93% -99% $ 50 $ 9- $ 13
Ukuvimbela inzalo okuphuthumayo (ekuseni ngemuva kwamaphilisi) Akunjalo Hlela B Isinyathelo esisodwa 89% -95%, kuya ngokuthi ithathwe nini $ 11- $ 50 $ 10
Ukudubula kokuzalwa Yebo Ukuhlolwa Kwedepho 94% $ 150 $ 20
Izimila Yebo I-Nexplanon > 99% $ 1,300 $ 967
Isiqephu seTransdermal Yebo Xulane 91% $ 0- $ 150 $ 85
Ama-IUD Yebo UKyleena > 99% $ 1,300 $ 987
Amasongo esitho sangasese sowesifazane Yebo NuvaRing ( Kubalulekile ukuphela kwendandatho yokulawulwa kokuzalwa evunyelwe yi-FDA) 91% $ 0- $ 200 $ 165
Ama-diaphragms (ane-spermicide) Yebo Caya 92% -96% $ 0- $ 250 $ 79
Isigqoko sesibeletho Yebo Owesifazane 71% -86% $ 90 $ 78
Amakhondomu abesifazane Akunjalo I-FC2 (okuwukuphela kwekhondomu yangaphakathi evunyelwe yi-FDA) 79% -85% $ 2- $ 3 $ 187 ibhokisi ngalinye
Amakhondomu abesilisa Akunjalo Durex 83% -95% $ 2 $ 9 ibhokisi ngalinye
Isipanji sokulawula inzalo Akunjalo Namuhla 76% -88% $ 15 Skena ikhadi lakho le-SingleCare ukuze uthole inani eliphansi kakhulu

* Ngokwezindleko zokulawulwa kokubeletha okuhleliwe, okungenzeka kungabandakanyi izindleko zokuvakasha kukadokotela noma ukufakwa / ukususwa kwensimbi.

Ungayithola kanjani isaphulelo noma ukulawulwa kokuzalwa kwamahhala

Kunezindlela eziyisishiyagalolunye zokuthola izaphulelo noma ukulawulwa kokuzalwa kwamahhala.

1. Ukhathalelo olulodwa

Okokuqala, iziguli ezinomshuwalense noma ezingenawo zingathembela ku-SingleCare kuyo yonke imishanguzo kadokotela. La makhuphoni amahhala, ayasebenziseka futhi asebenziseka kalula. Amakhuphoni e-SingleCare inganciphisa intengo yokulawulwa kokubeletha okunqunyiwe ngama-80%.

2. Iya ejwayelekile

Iningi lezindlela zokulawula ukubeletha zinokukhetha okujwayelekile kanye negama lomkhiqizo. Njengemithi eminingi, ukulawulwa kokuzalwa kwegama kungabiza ngaphezu kwezinguqulo ezijwayelekile. Ngaso sonke isikhathi buza udokotela ukuthi angakwazi yini ukunquma ukulawulwa kokuzalwa okujwayelekile esikhundleni segama lomkhiqizo.

3. Cela ukunikezwa kwezinsuku ezingama-90

Ukuthenga ngobuningi kungonga amakhasimende ekhemisi imali eningi ngokuhamba kwesikhathi. Izindleko zokuhlinzekwa kokulawulwa kokuzalwa kwezinsuku ezingama-90 zingaphakama ekuphumeni, kepha uzokonga ezindlekweni zama-copay amaningi wokugcwalisa imiyalo emincane kaningi.

Isine.Umshwalanse we mpilo

Ngisho nohlelo lomshwalense olushibhile lwehlisa izindleko ezingaphandle kwesikhwama solawulo lokuzalwa kuze kufike ku- $ 0. Lokho kufaka ukuhambela kukadokotela nemithi yokulawula ukuzalwa noma idivayisi uqobo.

Umshuwalense wezempilo uyindlela okufanele uyihlole. Ngokuya ngeholo lakho, amaprimiyamu owakhokhayo angabuyiselwa ingxenye yakho noma ngokuphelele njengekhredithi yentela. Umshuwalense wezempilo wamahhala ongenayo i-copay kusho ukufinyelela ekulawulweni kokuzalwa kwamahhala.

5.I-Medicaid

Izinzuzo zezempilo zeMedicaid ziyatholakala kubantu abadala abahola kancane, abakhubazekile, abesifazane abakhulelwe, noma imindeni enezingane ezineminyaka engaphansi kwengu-18. Amaphrimiyamu aphansi noma ahoxiswa ngokuphelele. Ukufakwa kokukhulelwa kwe-Medicaid kufaka phakathi ukulawulwa kokuzalwa kwamahhala.

6.Izinhlangano ezingama-340B zokunakekelwa kwezempilo

Izibhedlela ezingama-340B, imitholampilo, kanye nabanye abahlinzeki bezokunakekelwa kwezempilo bangathenga izidakamizwa ngesaphulelo, kufaka phakathi amaphilisi okulawula ukuzalwa, bese behambisa leyo mithi ngentengo ephansi. Kuya ngeholo lakho , le mitholampilo izohlinzeka ngamaphilisi okulawula ukubeletha, amashothi, kanye nokufakelwa mahhala noma ngentengo enesaphulelo.

7.Imitholampilo Yomzali Ohleliwe

Imitholampilo ehleliwe yabazali yamukela iMedicaid nezinhlelo eziningi zomshuwalense wezempilo. Ezigulini ezingenazo zombili, le mitholampilo ivame ukuhlinzeka ngesaphulelo ekulawuleni ukubeletha ngokuya ngeholo.

8.Izikhungo zezempilo zomphakathi noma zomphakathi

Umphakathi wakho ungahle ube nemitholampilo yezempilo engenzi nzuzo, izikhungo zezempilo zomphakathi, noma imitholampilo yokuhlela umndeni enikezela ngezinsizakalo zezempilo ezinenzuzo ezinesaphulelo noma zamahhala. Imali ekhokhwayo, evame ukuba ngama- $ 25 noma ngaphansi, ungabonwa ngudokotela, unqume indlela efanele yokulawula ukubeletha, futhi kwesinye isikhathi uthole indlela yokuvimbela inzalo oyidingayo, njenge-shot, implant, noma i-intrauterine device.

Imitholampilo egxile kwezempilo yabesifazane, impilo yezocansi, noma ama-STI (izifo ezithathelwana ngocansi), kanye nemitholampilo yesihloko X, yizindawo ezinokwethenjelwa kakhulu zokuthola ukulawulwa kokuzalwa okunesaphulelo noma kwamahhala.

9.Izinhlelo zosizo lweziguli

Okokugcina, izinkampani eziningi ezenza imithi, izinkampani zamadivayisi wezokwelapha, nezinhlangano ezingenzi nzuzo zinikeza izidakamizwa nezinsimbi mahhala ezigulini ezingakaqinisekisiwe ezidinga usizo. Abanye bahlanganisa yonke i-copay yeziguli ezinomshwalense. Lezi zinhlelo zosizo lweziguli zivame ukusiza iziguli zinikeze imikhiqizo ebiza kakhulu, enegama lomkhiqizo. Kodwa-ke, uma ufanelekile, usizo lweziguli kumkhiqizo wegama lomkhiqizo imvamisa luyindlela ephansi noma engabizi kakhulu kuma-generic anezindleko eziphansi.

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