Ukunquma ukuthi Kungakhathaliseki ukuthi Kuyiqiniso Yini Okufanele
Inshwalense yomshuwalense imoto emisha kakhulu emhlabeni wezinhlelo zomshuwalense wezempilo . Yadalwa ngokuphendula amazinga okukhula okomdlavuza e-US kanye nezindleko ezivame ukwedlula ukwelashwa komdlavuza.
Lo mkhiqizo womshuwalense wokuxhaswa wenzelwe ukusiza ukunciphisa izindleko ezingaphandle kwe-pocket futhi uhambise igebe phakathi kwalokho umshuwalense wakho oyinhloko akwenza futhi awufihli .
Kodwa umbuzo yilokhu: ingabe kuwufanele ngempela?
Isingeniso kwi-Cancer Insurance
Umshwalense we-Cancer awuklanyelwe ukuthatha indawo yomshuwalense wezempilo wendabuko kepha ukuwuncoma ngokukhokha izindleko ezihlobene nokwelashwa okungabhekwa inqubomgomo yakho. Kunezindlela ezimbili lapho lo mshwalense usebenza khona:
- Ngezinhlelo eziningi, uzothola imali encane uma uthola umdlavuza ongayisebenzisa kokubili izindleko zezokwelapha nezindleko zokuphila ezijwayelekile. Usebenzisa imali ngokuyinhloko noma yikuphi indlela oyikhethayo yokwenza umholo olahlekile, ukukhipha imali, nokukhokhela.
- Ngokuvamile, inqubomgomo inganikeza ukuhlinzekwa kwezindleko ezihlobene nomdlavuza ngenhla nangaphezulu kwalokho inqubomgomo yakho yezempilo eyinhloko ihlanganisa. Okwenziwe empeleni kungahlukahluka kakhulu futhi ngezinye izikhathi kungase kube nokulingana okufanayo njengalezo ohlelweni lwakho oluyinhloko.
Lezi zinqubomgomo ziqala ukusebenza ngemuva kokuba inkampani yomshuwalense ithola imibhalo yomdlavuza wakho.
Ngokuvamile kuvame isikhathi sokulinda emva kokuthenga ngaphambi kokuba kusebenze ngokugcwele.
Ukufaneleka kwe-Cancer Insurance
Ukuze ufanelekele umshwalense wempilo yomdlavuza, ngokuvamile awukwazi ukuba nesimo esandulele esilungiselela wena umdlavuza. Isibonelo, awunakuthola ukuthi unesifo somdlavuza we-uterine bese usebenzisa isicelo senqubomgomo.
Ezimweni eziningi, abantu abaye babhekwa futhi baphathwa ngomdlavuza nabo abavumelekile. Amanye amaqembu, afana nalawo anesandulela ngculazi, akhishwa ngaphandle uma lesi sifo sihambisana nengozi enkulu yokwanda kwezinhlobo zomdlavuza.
I-Cancer Insurance inikeza futhi ayifuni
Nakuba ukuhlinzekwa komshuwalense womdlavuza kuyahlukahluka ngokusekelwe kumhlinzeki nemininingwane yenqubomgomo, izinhlelo eziningi zihlanganisa zonke izindleko zezokwelapha nezingezokwelapha.
Izindleko zezokwelapha zingabandakanya ama-copays, ukuhlala kwezibhedlela ezandisiwe, ukuhlolwa kwelebhu, ukwelashwa okuqondene nezifo, nezinqubo ezifana nokuguquka kwe-stem cell. Izindleko ezingezona ezezokwelapha zingabandakanya ukunakekelwa kwezempilo ekhaya, ukulahlekelwa kwemali engenayo, izindleko zokunakekela izingane, kanye nezinsiza zokuvimbela ukudla.
Umshuwalense we-Cancer ngokuvamile awuhlanganisi noma yiziphi izindleko ezihlobene nomdlavuza wesikhumba ongeyona i-melanoma. Ngaphezu kwalokho, labo abanezingane ezincane zokubeletha, njenge- carcinoma in situ , bangathola imali encane kuphela, okungenani isigamu noma ngaphansi kwalokho ongase uthole ukuthola ukuxilongwa komdlavuza.
Yazi Amaqiniso Ngaphambi Kokuthenga
Kukhona impikiswano eningi mayelana nesimo sezempilo esiqondene nesifo. Abanye abantu bayabasekela ngokuqinile ngenkathi abanye bakholelwa ukuthi bamane nje imishini yokwenza imali ehlasela abantu ngokwesaba.
Nanka amanye amaphuzu okufanele uwacabangele uma ucabanga ngokuthenga uhlelo lomshwalense lomdlavuza:
- Yazi ingozi yomdlavuza wakho. Labo abanomlando oqinile womdlavuza bangase bafune ukubheka inqubomgomo yabo yamanje futhi babone ukuthi umshuwalense womdlavuza ungahambisana yini nokuqashwa. Okufanayo kusebenza kulabo abanesifo somdlavuza somdlavuza, njengabantu abaguquguqukayo be-BRCA2.
- Bona ukuthi ukuthuthukisa inqubomgomo yakho ekhona kunganikeza ukuhlinzeka okudingayo. Ukukhetha ukuthuthukisa inqubomgomo yakho yamanje kungaba yindlela engcono kulabo abasengozini yomdlavuza. Kungase kubize kancane ukuthuthukisa futhi kukunikeze ububanzi obubanzi bezinzuzo zezimo ezingahlobene nomdlavuza, futhi.
- Khumbula ukuthi izinqubomgomo ezimbili azikho izinqubomgomo aziphindaphindi kabili ukufakwa. Ukuba nomshuwalense wezempilo oluyisisekelo kanye nenqubo yomshuwalense oqondene nomdlavuza akusho ukuthi uzothola izinzuzo ezimbili. Ngokuvamile, ukwelashwa okungafakwa ngaphandle kwenqubomgomo eyodwa kungase kukhishwe omunye.
- Funda i-Coordination of the Benefits clause . Iningi lemishanguzo enkulu yomshuwalense ine-clause ye-Coordination of Benefits (COB) echaza ukuthi umshuwalense ngeke agubhe izindleko enye inqubo eyenzayo. Ngokuthenga inshuwalense yomdlavuza, empeleni ungase uhlaziye izinzuzo ezinikezwe ohlelweni lwakho oluyinhloko. Akuyona into engavamile kubahlinzeki ababili ukuphikisana nomunye umthwalo ngaphandle kokucabanga ukuthi ukukhokhelwa. Yize lezi zinkinga zivame ukuhlungwa, zingabangela izinwele eziningi ezingadingekile nokuchitha isikhathi.
Ezinye Izinketho Zomshuwalense
Uma ukhathazekile ngezimali ezithinta umndeni wakho ongazithatha uma uthola umdlavuza, kunezinye izinketho ezimbalwa ongazicabangela:
- Ukubeka i- akhawunti yokulondoloza impilo (i-HSA) noma i- akhawunti yokusebenzisa imali (FSA) ngokusebenzisa umqashi wakho angakuvumela ukuba ubeke imali eceleni, ngaphandle kwentela, izindleko ezingaphezulu nangaphezulu kwalezo ezihlanganiswe umshuwalense wakho.
- Uhlelo olubalulekile lwe-inshuwalense yesifo lunganikeza ukuhlinzekwa komdlavuza kanye nezinye izinhlobo zezifo ezibucayi, njengokuhlasela kwenhliziyo noma isifo sohlangothi. Njengomshwalense we-inshuwalense yomdlavuza, kubalulekile ukuthi ufunde ukuphrinta okuhle ukuqonda ukuthi iziphi izimo (noma izigaba zokugula) inqubomgomo ihlanganisa.
- Uma ukhathazekile ngemali elahlekile, cabanga ngokutshalwa kwemali umshuwalense wokukhubazeka okwesikhashana okhokhela noma yisiphi isimo sezokwelapha esithinta ikhono lakho lokusebenza.
Thatha imilayezo yasekhaya
Ngaphambi kokuthenga noma iyiphi inqubo yomshuwalense womdlavuza, kunemithetho emine yesithupha okufanele ulandele njalo:
- Kubalulekile ukuthi uqonde kahle ukuthi yini ehlanganiswe inqubomgomo, yini ekhishwe, nokuthi yini isikhathi sokulinda ngaphambi kokuthi ukwazi ukufinyelela izinzuzo.
- Kufanele uhlale uqhathanisa izinzuzo inqubomgomo yokufakazelayo kanye neyomgomo wakho oyinhloko ukubona ukuthi kukhona ukuphika noma ukubuyisana. Akukho mqondo ekuthengeni umshuwalense womshuwalense uma okwamanje ihlanganisa izindleko eziningi noma zonke izindleko ezifanayo.
- Uma ukholelwa ukuthi izindleko zokwelashwa komdlavuza azihlanganiswa ngokwanele ngecebo lakho eliyinhloko, cabanga ukuthi ukuthuthukiswa kungagcwalisa lezo zikhala.
- Uma unquma ukuthi umshuwalense womdlavuza uyindlela enamandla, thatha isikhathi sokuthenga. Lokhu kubandakanya ukuthenga ezinye izinhlobo zokufakaza kufaka phakathi umshuwalense wokukhubazeka wesikhathi eside .
Okokugcina, kubalulekile ukukhumbula ukuthi kunezinkokhelo eziningi zentela kubantu abanomdlavuza . Ngokugcina irekhodi ngokucophelela zonke izindleko ezingaphandle kwe-pocket, kufaka phakathi ukuhamba uye kusuka emtholampilo wakho, unganciphisa ukutholakala kwentela yakho yonyaka futhi ulondoloze imali.
Imithombo
- > Kirchhoff, A .; Kuhlthau, K .; I-Pajolek, H .; et al. "Ukuhlinzekwa Kwesiqiniseko Somshuwalense WezeMpilo: Umphumela wokuFundeka kweCanscer Survivor Study". Ukondla Ukusekela Ekhanda . 2013; 21 (2): 377-83.
- > Nekhlyudov, L .; I-Walker, R .; U-Ziebell, uR .; et al. "Okuhlangenwe nakho Kwemishanguzo Yomdlavuza, Imali, Nokuqashwa: Imiphumela Evela Esifundweni SeMultisite." Journal of Survivors of Cancer . 2016; 10 (6): 1104-1111.