Uma ilunga lomndeni line- asthma , lesi sifo sithinta wonke umndeni, hhayi nje umuntu obesifo.
Ukucindezeleka kokuphila nesifo esingapheli kubonakala ngezindlela eziningi phakathi kwamalungu omndeni ahlukahlukene. Othile onesifo se-asthma, isibonelo, angase akhungatheke ngokugula kwakhe nawo wonke umsebenzi oza nawo. Kungaba amathuba okuba bahlanganyele empini, bangabambisani, noma babe nenkani, becindezelekile, bakhathazeke noma bahoxiswe, okungahle kuthinte izintambo zomndeni ekhaya.
Abazali bezingane abane-asthma bangakwazi ukuhlupheka kakhulu ngenxa yokukhathala, ikhanda, ukulala, ukucindezeleka nokufisa ukudla. Kanti futhi, izingane zakithi ezine-asthma zingazizwa zinecala, zicabanga ukuthi ngandlela-thile zibangele ukugula. Bangase babe nomona noma bathukuthele ngenxa yokunakekelwa okungaphezulu kwezingane zabo, noma bangesaba ukuthi bangathola i-asthma ngokwabo. Abanye bangase bazizwe benamahloni yizimpawu izingane zabo ezibonisa.
Okungafanele kunganakwa yinkinga yezimali ukuthi ukugula okungapheli kungabangela; lokhu kungahlanganisa izingcindezi lapho umkhaya uhlala khona. Ngisho nangokwe-inshuwalense yezempilo , izindleko ezingaphandle kwezindleko zingasusa kakhulu imithombo yezimali yomndeni.
Izinsiza Zokusekela Komndeni
Imindeni enenkinga enzima yokubhekana nesifo se-asthma esingelapheki ingase ikuthole kuyasiza ukujoyina iqembu lokusekela lapho lingabelana khona nakho kwabo neminye imindeni ezimweni ezifanayo.
Amaqembu anjalo anganikeza iseluleko esinengqondo nesisebenzayo.
Nazi ezinye izinto umuntu one-asthma nawo wonke amalungu omndeni okufanele acabangele ukuze abhekane kangcono nezimpawu, nokucindezeleka okulandelayo, kwesifo se-asthma:
- Qonda ukuthi i-asthma yisifo esingelapheki.
- Yamukela ukuthi i-asthma ingaba ukugula okuphelele.
- Qaphela ukuthi i-asthma ingangena ekuxoxweni kepha ingabuyela emuva emva kweminyaka noma ngisho neminyaka emashumi.
- I-asthma ingakwazi ukulawulwa kalula kalula ngemithi ejwayelekile neyincane.
- Ukuxhumana kubalulekile.
- Xoxa futhi unikeze usizo ekuxazululeni izinkinga zomuntu one-asthma.
- Kwabantwana, bekani imingcele kulokho okuvunyelwe ukuziphatha phakathi nezigaba ezinzima nezihlala njalo zesifo.
- Sebenza ndawonye ukusekela omunye.
- Funa ukululekwa komndeni noma ujoyine iqembu lokusekela, uma kudingeka.
Ukucindezeleka Kwezezimali
Uma ilungu lomndeni linempilo yokushaya isifo se-asthma, inkokhelo yezimali ingaba phezulu njengokomunye ngokomzwelo. Ngisho nasemindenini emazingeni angenayo engenayo, ukutholakala kwezempilo kungabambezela. Izinhlelo ezehlukene ziyatholakala ukusiza ; ezinye ziboshwe emazingeni okuthola umndeni kanti ezinye zivulekile kunoma ubani. Ukuze uthole ulwazi oluthe xaxa, qala ngokubiza ihhovisi lakho lendawo yesevisi yezenhlalakahle ehholo lakho lomuzi noma idolobha.
Leyo mindeni engenawo umshuwalense wezempilo ingakulungelwa izinhlelo zikahulumeni, njengeMedicaid, ngezindleko ezincane noma ezingekho. Labo abangakufanelekeli ohlelweni lukahulumeni bangase bajoyine umshuwalense wangasese njengoBlue Cross ngenye yezinyanga zokubhalisa ezivulekile zonyaka, ezitholakala emazweni amaningi. Uma nje ama-premium ekhokhwa, ukukhokhelwa akunakuphikwa.
Abanye bathi futhi banamaphuzu aphezulu okudoba lapho amalungu abelwe khona kwelinye lezinhlelo eziningana. Lokhu kudinga izinkokhelo ze-premium, kodwa uhulumeni angasiza ngezinsizakalo zokukhokha.
Uma ilungu lomndeni libhekene nesifo se-asthma, qaphela lezi zinkinga uma ukhetha ukutholakala kwezempilo:
Kodwa-ke, ngaphandle kokubhalisa okuvulekile ezinye izinhlobo zemishuwalense yezempilo zisengabandlulula ngokusekelwe esimweni sezempilo, ngakho funda yonke imihlahlandlela emihle bese uthenga kuzungeze ilungelo lakho.
- Yini ekhokhelwa nguhlelo? Ingabe umshwalense uvakashela odokotela, ukuhlala esibhedlela, imithi, kanye nemishini yezokwelapha? Abaningi bomshuwalense abahlinzeki ngokugcwele.
- Ingabe uhlelo lumboza izimo ezikhona ngaphambili kanye / noma ezingapheli? Kusukela ngo-2014, u-ObamaCare usuqede izimo zangaphambili ezikhona uma nje ubhalisa ngesikhathi sokubhalisa okuvulekile, okusho ukuthi awukwazi ukuphika ukukhishwa, ukukhokhiswa ngaphezulu, noma ukwenyelwa ukwelashwa okusekelwe esimweni sezempilo.
- Ingabe uhlelo lumboza abahlinzeki balo abavunyelwe kuphela? Uma udokotela wezingane ozithandayo noma i-allerergist engeyona ilungu elibambe iqhaza lepulani, kungadingeka ushintshe abahlinzeki, okungahle kuphazamise futhi kusebenzisane.
- Yiziphi izindleko ezingaphandle kwezindleko okufanele zikhokhwe? Ngokuvamile kunezindleko ezingaphandle kwezingubo, kungakhathaliseki ukuthi zithengwa kanjani. Lezi zingabandakanya amaphrimiyamu (izindleko zomshuwalense uqobo), ama-deductibles (okungakanani okufanele akhokhwe ngaphambi kokuthi uhlelo luqoqe ukufakwa), izinkokhelo zokubambisana (inani elidinga ukukhokhwa ekuvakasheni ngalunye kwezokwelapha), nokunye okungeziwe- izindleko ze-pocket ezingabhekwa ngumshwalense.
Indlela AbaNakekeli Komndeni Abaphatha Ngayo Ngokuhlakanipha
Ukuphatha i-asthma ngempumelelo kuthatha isikhathi. Ukuvakashela odokotela, ukuya ekhemisi nokugcwalisa amafomu omshuwalense kungathatha isikhathi esiningi ukuthi awutholakali. Kodwa ukulandela amathiphu okuphatha isikhathi esiphakanyisiwe angasiza:
- Yamukela ukulinganiselwa kwakho. Ukuba nelungu lomndeni onesifo sofuba ngeke nakanjani sibe nomsebenzi owenziwe ngesikhathi somsebenzi naseminye imisebenzi yomndeni. Ukwamukela lezi zimingcele kuzokuvimbela ukuthi ungangeni eminye imithwalo yemfanelo ongakwazi ukuyenza.
- Zivumelanise nezimo. Kuzoba nezinsuku lapho konke okukhona ohlwini lwakho "lokukwenza" kuzokwenziwa. Hambisa lolo suku ngosuku olulandelayo noma ngisho nolwasevikini olulandelayo lokuzokwenza, futhi unakekele ukuthi yini okudingeka iqondiswe manje.
- Vele uthi cha. Ukuphatha umndeni onelungu eligulayo kuthatha isikhathi futhi kungase kusho ukuthi kufanele ususe izicelo zokuthola izabelo zomsebenzi ngemuva kwehora, ubulungu bekomiti noma ngisho neminye imisebenzi yezenhlalo. Ungazizwa unecala ngakho. Yenza nje okusemandleni akho.
- I-Delegate. Cela umuntu ukuba agijime imizila yakho, aqashe isevisi yokuhlanza, abe nemithi ethunyelwe. Ngamafuphi, cela usizo noma uhlele amasevisi angakwazi ukukhulula isikhathi esithile esidinga kakhulu.
- Beka izinto ezibalulekile. Akekho ongakwenza konke. Thola ukuthi yini ebalulekile kuwe nomndeni wakho bese uvumela konke okuhambayo.
Khumbula ukuthi kungakhathaliseki ukuthi kunzima kanjani ngezinye izikhathi ukuba nomuntu othandekayo aphethwe yi-asthma, imindeni eminingi ifunda ukubhekana nezinselele futhi igcine impilo enempilo enempilo.
Imithombo:
I-Nocon A., ne-Booth T. Imiphumela Yomphakathi Ye-Asthma. I-Fam. Thandaza. 1991 8: 37-41.
Izindleko ze-Asthma on Society.Asthma andergyergy Foundation of America.
Imibandela ye-ObamaCare Pre-exisiting. Obamacarefacts.com.