Umshuwalense kanye Nezimfuneko Zokunakekelwa Kwezinkinga Zokunakekelwa Kwezimali
Ungase ube nesithakazelo ekuhlanganyeleni esivivinyo somtholampilo womdlavuza kodwa ukhathazekile ngokuthi uzokhokha yini noma ungayikhokheli ephaketheni izindleko zokwelashwa. Ake sihlole izindleko zezimali, uma zikhona, ukuba zivivinywe emtholampilo, nokuthi lokhu kungabangela kanjani isinqumo sakho.
Kuyini Isivivinyo Sezokwelapha?
Isivivinyo somtholampilo yisifundo lapho umuntu azitholela khona ukuzitholela imithi emisha noma idivaysi entsha yempilo ethile.
Inhloso yesilingo somtholampilo ukucacisa ukuthi imithi noma idivayisi isebenza kahle futhi iphephile. Ukuze uhlanganyele ekuvivinyweni komtholampilo, umuntu kufanele ahlangabezane nezimfuneko ezithile. Futhi, ukubamba iqhaza kuvele ngokuzikhethela, futhi kukhona imithetho nezinqubo ezikhona zokuvikela amalungelo akho njengevolontiya, ngokusho kwe-American Cancer Society.
Ingabe Izivivinyo Zomtholampilo Zikhululekile?
Cha, ukuvivinywa kwemitholampilo akuyona mahhala. Omunye kufanele akhokhe, kodwa ngenxa yesikhathi esiningi, akusona isiguli esikhokhayo. Iningi lezilingo zomtholampilo lixhaswe ngokwezimali noma ngokwezimali, ngakho-ke akukho mali kumhlanganyeli.
Futhi, kusukela ngo-2014, ngokusho kwe- Care Affordable Act , izinhlelo ezintsha zomshuwalense wezempilo kumele zimboze izindleko zokugcina abantu abathintekayo ezivivinyweni zokwelashwa eziphatha umdlavuza futhi zihlangabezane nezidingo ezithile. Izindleko zokunakekelwa njalo zibandakanya imithi, izivivinyo, kanye nokuvakashelwa udokotela ukuthi ngokuvamile umuntu uzothola umdlavuza wabo kanye nokunakekelwa kwezempilo, kungakhathaliseki ukuthi bahlanganyela kanjani ekuvivinyweni komtholampilo.
Lokhu kusho ukuthi umshuwalense akakwazi ukuyeka ukukhokhela ngoba umuntu uyavolontiya ekuvivinyweni komtholampilo, futhi abakwazi ukuphika umuntu ilungelo lakhe lokubamba iqhaza esivivinyweni somtholampilo ngokunciphisa ukutholakala kwabo kokuhlolwa okuhlotshaniswa nesilingo. Lokhu kuthiwa, izinkampani zomshuwalense akudingeki zimboze izindleko zemithi yangempela noma idivayisi esetshenziselwa ukuhlolwa.
Kukhona nemithetho yombuso mayelana nokuhlinzekwa komshuwalense wezindleko zomsebenzi wokunakekelwa. Le mithetho ihlukahluka ngombuso. Ungafunda kabanzi mayelana nokuqashwa komshuwalense wokuhlanganyela ekuhlolweni komtholampilo ngokuya kwi-American Society for Clinical Oncology website.
Ekugcineni, kuhle ukwazi ukuthi i-Medicare ibuyisela izindleko zokunakekelwa kweziguli kubahlomulo bayo ababa nengxenye ekuvivinyweni komtholampilo eklanyelwe ukuxilonga noma ukwelapha umdlavuza. Ukuze uthole ulwazi oluthe xaxa mayelana nokwaziswa kokuhlolwa kwamtholampilo ngu-Medicare, vakashela ku-www.medicare.gov noma shayela u-1-800-633-4227 (1-800-MEDICARE)
Lokho Kusho Ngami?
Okokuqala, kubalulekile ukuba nengxoxo ecacile futhi ecabangelayo nodokotela wakho nabathandekayo ngaphambi kokuba uhlanganyele esilingo somtholampilo . Khumbula, ngoba kuyilingo lomtholampilo, umphumela awungaziwa, ngakho okulindelekile kuyadingeka ukuthi kube ngokoqobo. Okwesibili, maqondana nokwaziswa mayelana nokuhlolwa komtholampilo kanye nokwelashwa okuzobe kwenzeka. Okwesithathu, uma ukhathazekile ngezindleko, qiniseka ukuqinisekisa ngekampani yakho yomshuwalense kanye neqembu lokunakekela umdlavuza noma ngabe uzoba necala nganoma yiziphi izindleko ezihlobene.
Imithombo:
I-American Cancer Society. (2014). Izivivinyo Zomtholampilo: Okudingeka Ukwazi.
I-American Cancer Society. Abanomshuwalense wangasese kanye nomthetho omusha wokunakekelwa kwezempilo.