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Yimalini unyango lomhlaza wamabele kwi-US?

Yimalini unyango lomhlaza wamabele kwi-US?Inkampani

Ukuxilongwa komhlaza webele ziindaba ezimbi kuye nabani na, nokuba ungakanani ubudala, imeko yezemali, nokuba isini. Amadoda nabafazi banokuba nomhlaza wamabele, nangona uqheleke kakhulu kwabasetyhini. Kuqikelelwa ukuba Ithuba lobomi lendoda efumana umhlaza webele li-1 kwi-1 000 , ngelixa kubafazi umngcipheko utsibela kwi-1 kwi-8 .





Nokuba uphakame kangakanani okanye uphantsi kangakanani amathuba akho, umhlaza wamabele sisiganeko esiguqula ubomi esinokuvavanya isisombululo sakho, ucelomngeni kumzimba wakho, kunye nokucoca iakhawunti yakho yebhanki. Unyango lomhlaza webele luyabiza. Ezi ziindleko onokujamelana nazo emva kokuba uxilongiwe — ngaphandle kweinshurensi.



Lithini ixabiso eliphakathi lonyango lomhlaza wamabele?

Lilonke, i Ixabiso eliphakathi yomhlaza webele uqikelelwa kwi- $ 20,000 ukuya kwi-100,000 yeedola. Iyahluka kakhulu kuba yonke intoukulwa nomhlaza wamabele kwahlukile-kuxhomekeke ekubeni ufunyenwe nini kwaye uhambele phambili kangakanani. Kwiimeko ezininzi, ukuxilongwa kuya kuqala kwindleko yeendleko eziqhelekileyo ezibandakanya ukutyelela iofisi, umsebenzi webhu, kunye neyeza zonyango. Ngelixa kucingelwa ukuba ichemotherapy lelona candelo libiza kakhulu kunyango, kungothusa ukufunda ukuba malini iindleko zomhlaza.

Ngaphandle kweinshurensi, Lynparza (iyeza elisetyenziselwa ukunyanga umhlaza wamabele osasazeke kwamanye amalungu omzimba) lixabisa i-156,000 yeedola ngonyaka. Okulusizi kukuba, eli nani liqhelekile kunokwahluka, kwaye inkcitho enkulu kunjalo ekhokelela kwizigulana ukutsiba okanye ukunyanga ngokupheleleyo unyango .

Amayeza yinxalenye yengxaki kuphela. Uninzi oluchongiwe kumanqanaba kamva ludinga i-chemotherapy. Kwakhona, iindleko zinokwahluka kakhulu, kodwa ujikelezo olusisiseko lwe-chemo lunokubiza i-10,000 ukuya kwi-100,000 zeedola okanye nangaphezulu . Ukongeza, abantu abaninzi bafuna amayeza kunye nekhemotherapy ngaxeshanye. Iindleko ezongezelelweyo ze IHerceptin , Eqhelekileyo emiselweyo ecaleni kwe-chemo, iqhuba ixabiso lonyango ngaphezulu kwe- $ 160,000.



Abanye abantu basetyhini bafuna imastectomy ukunyanga umhlaza wamabele. Olu tyando luyabiza lodwa, kwaye luhlala lubhangqwe ngamachiza ngamayeza. Kwi-avareji, Inkqubo ixabisa malunga ne- $ 13,000 , engabandakanyi naluphi na uhlobo lokwakhiwa kwakhona. Ukwakhiwa kwakhona kwebele emva kwe-mastectomy yongeza naphi na ukusuka kwi- $ 5,000 ukuya kwi- $ 8,000 kwixabiso lilonke, kuxhomekeke kugqirha wotyando.

Ngaba unyango lomhlaza wamabele lugqunywe yi-inshurensi?

I-inshurensi yezempilo yeyona ndlela yokuhlawula iindleko zonyango lomhlaza wamabele. Ukugubungela kwakho kuya kususa uninzi lwamatyala, kwaye kunokusebenza kunye nababoneleli ukuze baxoxe ngesixa esisezantsi esifunekayo.

Esinye isigulana saphawula ukuba ityala lakhe lokuqala yayiyi- $ 200,000 , ukanti inkampani yakhe yeinshurensi yakwazi ukuhlawula kuphela i-60,000 yeedola. Ngenxa yesicwangciso sezempilo esivulekileyo esanikezelwa ngumqeshi wakhe, waphela enetyala kuphela $ 3,000 epokothweni.



Nokuba ukhuselwe yi-inshurensi okanye akunjalo, ukufunyanwa kwangoko kunokunciphisa iindleko. Uphononongo olupapashwe ngu Impilo yaseMelika kunye neziBonelelo zeziyobisi uthelekise amabango einshurensi kubantu ababhinqileyo abahlukeneyo abaye bafumana unyango lomhlaza wamabele kwaye bafumana iziphumo ezothusayo. Iindleko eziphakathi kunyango lomhlaza wamabele kunyaka wokuqala emva kokufumana isifo bezi zilandelayo:

  • Inqanaba 0 Iindleko zomhlaza webele: $ 60,637
  • Inqanaba I / II indleko yomhlaza webele: $ 82,121
  • Isigaba III indleko yomhlaza webele: $ 129,387
  • Inqanaba IV indleko zomhlaza webele: $ 134,682
  • Umndilili wexabiso lomhlaza wamabele kuwo onke amabakala: $ 85,772

Ukubhaqwa kwangethuba kunceda ekuhlawuleni iindleko zakho zonyango ukuya kwinqanaba elibalulekileyo kwaye kukunika nethuba elingcono lokoyisa isifo sakho. Abasetyhini abaneminyaka engama-40 okanye ngaphezulu kufuneka babe ne-mammogram minyaka yonke . Abasetyhini abasemngciphekweni omkhulu kufuneka baqale eli nyathelo lokuthintela kwiminyaka engama-30.

Ezinxulumene: Izinto ezili-9 onokuzenza ukuthintela umhlaza



Iindlela ezi-5 zokonga imali kwi iindleko zomhlaza

Abo bangenayo i-inshurensi banokuba nexesha elinzima kakhulu lokuhlawula ezi ndleko ziphezulu. Nokuba abo bagubungeleyo banokujongana namatyala angaphaya kwamandla abo okuhlawula. Kukho izinto ezininzi zokuxoxa nodokotela wakho ukubona ukuba ukwehlisa iindleko zonyango lomhlaza wamabele kunokwenzeka, kubandakanya:

  1. Ukucela iinguqulelo eziqhelekileyo zonyango lwakho.
  2. Ukuxoxa ngenketho yokumisela isicwangciso sentlawulo.
  3. Ukufumanisa ukuba ukulungele na ukuvavanywa kwiklinikhi, okubiza ixabiso eliphantsi okanye lokufumaneka simahla.
  4. Ukubuza malunga noncedo lokuhlawula kwiiarhente zikarhulumente.
  5. Sebenzisa amakhuphoni asimahla avela kwiinkampani ezinje ngeSingleCare ukugcina amayeza amiselweyo.

Sebenza nogqirha wakho ukufumana ikhosi yonyango ekulungeleyo, kunye neemeko zakho zemali.