Ulufumana njani ulawulo lokuzalwa simahla (nangaphandle kweinshurensi)
Ulwazi lweziyobisiUmbonile ugqirha, unawo amayeza amiselweyo, kodwa awunayo imali. Yimeko exhaphake kakhulu, ngelishwa, amava ngamanye amaxesha. Ngoku phindaphinda elixhala kunye nokungaqiniseki nge-12 ukuba ufuna ukuzalisa amayeza olawulo lokuzalwa inyanga nenyanga.
Amashumi amathandathu anesibini eepesenti abasetyhini abasebenzisa ulawulo lokuzalwa Uhlobo oluthile, ngokweSebe lezeMpilo laseMelika kunye neNkonzo zaBantu (DHHS). Ngaphandle kweinshurensi, nangona kunjalo, Isine kwisine kwabo bafazi ngekhe ubenakho ukubonelela ngolawulo lokuzalwa ukuba ixabiso lingaphezulu kwe- $ 20 ngenyanga, njengoko iZiko likaGuttmacher lifumene. Isinye kwabasixhenxe abanakho ukubonelela ngolawulo lokuzalwa nangaliphi na ixabiso. Ulawulo lokuzalwa olungenakufikeleleka, kubafazi abaninzi, ngenene kufuneka luthethe ulawulo lokuzalwa simahla.
Ngethamsanqa, kunokwenzeka. Ukhetho lolawulo lokuzalwa olufunwa ngabasetyhini luyafumaneka ngaphandle kwe-inshurensi kwaye ngexabiso eliphantsi- okanye simahla.
Ulufumana njani ulawulo lokuzalwa ngaphandle kweinshurensi
Masiqale ngeziseko. Ngaphandle kwe-inshurensi, nabani na onephepha likagqirha lolawulo lokuzalwa angalithenga kwikhemesti.
Oko kuthetha ukuba uhambo oluya kwiofisi kagqirha luyafuneka. Izigulana ezingaboni gqirha rhoqo zinokwenza idinga kucwangciso losapho, kwimpilo yoluntu, okanye kwiklinikhi yesihloko X.
Kwiindlela ezininzi zolawulo lokuzalwa, utyelelo lukagqirha luya kuba lula kakhulu. Kuncinci kakhulu okufunekayo ugqirha ukuba amisele uthintelo lokuzalwa. Ugqirha uya kubuza imibuzo embalwa kubandakanya nembali yonyango yesigulana kwaye mhlawumbi athathe imiqondiso embalwa ebalulekileyo. Uvavanyo alunyanzelekanga ngaphandle kokuba isigulana sinomngcipheko omnye okanye nangaphezulu, njengoxinzelelo lwegazi oluphezulu okanye imbali yokutshaya.
Ngeendlela ezintsonkothileyo zolawulo lokuzalwa, ezinje nge-IUDs, iialaphragms, okanye izinto zokufakelwa, umsebenzi owongezelelweyo uya kufuneka wenziwe, njengepap smear, uvavanyo lwenqonqa, okanye ukufakelwa isixhobo solawulo lokuzalwa. Ukuhlolwa okongeziweyo kunye nenkqubo yokususa kunokuba yimfuneko. Ezi nkqubo ziya kubiza ngaphezulu.
Kodwa ulufumana njani ngokwenene ulawulo lokuzalwa? Kuxhomekeka kwindlela ekhethiweyo.
Ukulawulwa kokuzalwa okungaphezulu kwekhawuntari, njengeekhondom, ukubulala amadlozi, kunye nepilisi yentsasa kubandakanya uhambo olukhawulezileyo lokuya kwindawo ekuthengiswa kuyo iziyobisi. Ucwangciso-ntsapho kunye neeklinikhi zesondo zingabonelela ngeekhondom kunye nokubulala amadlozi simahla. Unokwazi ukuhamba ngokulula kwaye ucele ezi ndlela zokulawula ukuzalwa.
Iipilisi zolawulo lokuzalwa kunye nezinye izixhobo zonyango, ezinje ngesigqubuthelo somlomo wesibeleko, ziya kufuna ukuthatha iyeza kwikhemesti, nangona ezinye iiklinikhi zingalinika iyeza okanye isixhobo esizeni.
Iindlela ezintsonkothileyo, zexesha elide zolawulo lokuzalwa, ezinje ngokufakwa kunye nee-IUDs, kufuneka zifakwe yingcali yezonyango kwiofisi yezonyango.
Yimalini indlela yokuzalwa ngaphandle kweinshurensi?
Ukuba awuwenzi umsebenzi wakho wesikolo, impendulo elula kakhulu. Uhlahlo-lwabiwo mali lolawulo lokuzalwa kunzima. Amaxabiso agcwele yonke indawo. Nokuba unayo i-inshurensi okanye akunjalo, ukufumana ulawulo lokuzalwa ngexabiso elifikelelekayo kuthatha kancinci ukwazi.
Iindleko zolawulo lokuzalwa ngohlobo
Qala ngokuthelekisa ukhetho lolawulo lokuzalwa. Nganye iyahluka ngokwexabiso, ixabiso, ukusebenza kwayo kunye neziphumo ebezingalindelekanga. Zombini iikhondom zamadoda nabasetyhini zixabisa i- $ 1 okanye i- $ 2, kodwa zinokusetyenziswa kube kanye. Iipilisi zokulawula inzala ingabiza imali encinci njenge- $ 8 ngenyanga, kodwa ihlala ixabisa malunga ne-20- $ 30 ngenyanga. Ulawulo lwexesha elide lokuzalwa, njenge-diaphragms, iiringi zelungu lobufazi, ii-IUDs, izinto ezifakwayo, kunye ne-hormone shots, zinokubiza ukusuka kwi-100 ukuya kwi-1,500 yeedola.
Ukutyelela kukaGqirha kunye neendleko zovavanyo lomzimba
Utyelelo lukagqirha ziindleko ezongezelelweyo. Lindela ukuhlawula ukusuka $ 20 ukuya kwi-200 kutyelelo ngalunye ukuba awunayo i-inshurensi. Iindleko ziya kuxhomekeka apho ufuna khona iinkonzo zonyango. Iiklinikhi zezempilo zikawonke-wonke, ababoneleli abangama-340B, kunye neeklinikhi zeSihloko X banokuhlawulisa abaguli kangange- $ 0 ngokuxhomekeke kwingeniso, kodwa uhlala ulindele ukuhlawula nge- $ 20 okanye nge- $ 25. Ingcali, enje ngugqirha wezifo zababhinqileyo, inokuxabisa kangange- $ 125 kutyelelo ngalunye.
Iimvavanyo kunye neendleko zenkqubo
Kwizixhobo ezintsonkothileyo, ezinje ngee-IUD, ii-diaphragms, okanye izinto zokufakelwa, uya kuhlawula ngakumbi iimviwo novavanyo olongezelelweyo. Ezi ndlela zolawulo lokuzalwa zinokufuna ukutyelelwa okulandelayo kunye nenkqubo yokususa eyonyusa indleko.
Ixabiso eliphambili lolawulo lokuzalwa ngokuchasene nexabiso lexesha elide
Ezinye iindlela zolawulo lokuzalwa, ezinjengeekhondom zamadoda, ukubulala amadlozi, kunye nokuthintela ukukhulelwa okungxamisekileyo, kunokuthengwa ekhawuntareni ngaphandle kokuhlawula ugqirha. Kodwa ngenxa yokuba ezi zihlandlo zokucwangcisa kuphela ngexesha elilodwa, iindleko zokuzithenga ngokuphindaphindiweyo zingongeza ngaphezu kwexesha. Ukulawulwa kwexesha lokuzalwa ixesha elide, njenge-IUDs, i-diaphragms, kunye ne-shots yolawulo lokuzalwa, kunokuba lixabiso elingcono ngokuhamba kwexesha kuneendlela zexeshana.
Umzekelo, olona hlobo lwexabiso luphantsi lolawulo lokuzalwa, iikhondom zamadoda, ziya kubiza i- $ 1 ngokusetyenziswa. Akukho tyelelo lukagqirha olufunekayo. Nangona kunjalo, oku kungongeza ukuya kuthi ga kwi-100- $ 300 ngonyaka. Okubiza kakhulu, ukukhulelwa kwexesha elide kunokudibanisa kwiindleko ezifanayo zonyaka okanye ngaphantsi. I-diaphragm yeminyaka emibini inokubiza i-200 yeedola kubandakanya utyelelo lukagqirha. IUD ye-12 yeminyaka inokubiza i-1,300 yeedola, kubandakanya utyelelo logqirha. Kananjalo, kulawulo lokuzalwa lwexesha elide, kokubini ukutyelelwa ngugqirha kunye nonyango okanye isixhobo kunokwenzeka ukuba zibonelelwe ixabiso eliphantsi okanye into ekufutshane nesimahla kwikliniki yempilo yoluntu kwizigulana ezihlangabezana neziqinisekiso zokufumana umvuzo.
Yimalini ulawulo lokuzalwa kunye neinshurensi?
Abantu abaneinshurensi banethamsanqa. Nge-inshurensi, ulawulo lokuzalwa aluxabisi nto. Kuko oko. Umthetho woKhathalelo olungenakufikeleleka ku-Obama (ACA) iyalela ukuba zonke izicwangciso zeinshurensi yezempilo ukugubungela uthintelo lokuzalwa kwabasetyhini, kubandakanya utyando, kwaye ungabizi ipayipi kutyelelo logqirha okanye indlela yolawulo lokuzalwa emiselweyo. I-inshurensi ayinyanzelekanga ukuba igubungele lonke uhlobo lwamayeza okanye isixhobo, kodwa ubuncinci ukhetho kuwo onke amacandelo olawulo lokuzalwa lufihliwe ngaphandle kweekhondom zamadoda.
Iindleko zolawulo lokuzalwa ngaphandle kwe-inshurensi | |||||
---|---|---|---|---|---|
Chwetheza | Ummiselo uyafuneka? | Igama lophawu oludumileyo | Ukusebenza | Ixabiso eliphakathi epokothweni * | Ixabiso eliphakathi kunye nekhuphoni le-SingleCare |
Iipilisi zokulawula inzala | Ewe | IOrtho Tri-Cyclen Lo (iipilisi zokudibanisa) U-Errin (iipilisi zeprogesin kuphela) | 93% -99% | $ 50 | $ 9- $ 13 |
Ukuthintela inzala okungxamisekileyo (kusasa emva kweepilisi) | Hayi | Cwangcisa B inyathelo elinye | I-89% -95%, kuxhomekeke ekubeni ithathwa nini | $ 11- $ 50 | $ 10 |
Ukudubula kolawulo lokuzalwa | Ewe | Khangela kwindawo yokugcina izinto | 94% | $ 150 | $ 20 |
Izimila | Ewe | INexplanon | > 99% | $ 1,300 | $ 967 |
Isikhutshana seTransdermal | Ewe | Xulane | 91% | $ 0- $ 150 | $ 85 |
Ii-IUD | Ewe | UKyleena | > 99% | $ 1,300 | $ 987 |
Amakhonkco lobufazi | Ewe | UNuvaRing ( Kubala yiyo kuphela enye iringi evunyiweyo yolawulo lokuzalwa) | 91% | $ 0- $ 200 | $ 165 |
Iidayaphragms (kunye ne-spermicide) | Ewe | Caya | 92% -96% | $ 0- $ 250 | $ 79 |
Ikepusi yomlomo wesibeleko | Ewe | Umfazi | 71% -86% | $ 90 | $ 78 eyi- |
Iikhondom zabasetyhini | Hayi | FC2 (kuphela ikhondom yangaphakathi evunyiweyo yi-FDA) | 79% -85% | $ 2- $ 3 | $ 187 kwibhokisi nganye |
Iikhondom zamadoda | Hayi | Durex | 83% -95% | $ 2 | $ 9 kwibhokisi nganye |
Isiponji solawulo lokuzalwa | Hayi | Namhlanje | 76% -88% | $ 15 | Skena ikhadi lakho elilodwa ukuba ufumane elona xabiso liphantsi |
* Ngokweendleko zokucwangciswa kokuzalwa komzali, ezinokungabandakanyi iindleko zotyelelo lukagqirha okanye ukufakelwa / ukususwa kwesixhobo.
Ufumana njani isaphulelo okanye ulawulo lokuzalwa simahla
Kukho iindlela ezisithoba zokufumana izaphulelo okanye ulawulo lokuzalwa simahla.
1. Ukhathalelo olungatshatanga
Okokuqala, abaguli abane-inshurensi okanye ngaphandle kweinshurensi banokuxhomekeka kwi-SingleCare kuwo onke amayeza amiselweyo. Ezi zikhuphoni zisimahla, zinokuphinda zisebenze kwaye zisebenziseke lula. Amakhuphoni angatshatanga Unokunciphisa ixabiso lokulawulwa kokuzalwa okumiselweyo kangange-80%.
2. Yiya kuhlobo oluqhelekileyo
Uninzi lweendlela zolawulo lokuzalwa zinokhetho oluqhelekileyo kunye negama legama. Njengoninzi lwamayeza, igama lolawulo lokuzalwa linokubiza ngaphezulu kweenguqulelo eziqhelekileyo. Soloko ubuza ugqirha ukuba banokumisela na ulawulo lokuzalwa oluqhelekileyo endaweni yegama lophawu.
3. Cela unikezelo lweentsuku ezingama-90
Ukuthenga ngobuninzi kungonga abathengi basekhemesti imali eninzi ekuhambeni kwexesha. Iindleko zonikezelo lokuzalwa lweentsuku ezingama-90 zinokuba phezulu ekuphumeni, kodwa uya konga kwiindleko zokukhuphela iikopi ezininzi zokugcwalisa imigqaliselo emincinci rhoqo.
Zine.I-inshorensi yempilo
Nditsho nesona sicwangciso se-inshurensi sitshiphu sinciphisa iindleko eziphuma epokothweni zolawulo lokuzalwa ukuya kuthi ga kwi-0 yeedola Oko kubandakanya utyelelo lukagqirha kunye nonyango lokuzalwa okanye isixhobo ngokwaso.
I-inshurensi yezempilo lukhetho olufanele ukuphononongwa. Kuxhomekeke kumvuzo wakho, iipremiyamu ozihlawulayo zinokubuyiselwa ngokuyinxenye okanye ngokupheleleyo kuwe njengekhredithi yerhafu. I-inshurensi yasimahla yezempilo ngaphandle kwe-copay kuthetha ukufikelela kulawulo lokuzalwa ngokukhululekileyo.
5.Unyango
Izibonelelo zonyango lweMedicaid ziyafumaneka kubantu abadala abamkela imivuzo ephantsi, abakhubazekileyo, abasetyhini abakhulelweyo, okanye iintsapho ezinabantwana abangaphantsi kweminyaka eli-18. Iipremiyamu ziphantsi okanye zisuswe ngokupheleleyo. Ukukhuselwa kokukhulelwa kweMedicaid kubandakanya ulawulo lokuzalwa ngokukhululekileyo.
6.Imibutho engama-340B yokhathalelo lwempilo
Izibhedlele ezingama-340B, iikliniki kunye nabanye ababoneleli ngeenkonzo zokhuselo lwempilo banokuthenga iziyobisi ngesaphulelo, kubandakanya neepilisi zokulawula ukuzalwa, kunye nokuhambisa ezo ziyobisi ngexabiso elifanelekileyo. Kuxhomekeke kumvuzo wakho , ezi kliniki ziya kubonelela ngeepilisi zolawulo lokuzalwa, ukudubula, kunye nokufakwa simahla okanye ngexabiso lesaphulelo.
7.Iiklinikhi zoMzali ezicwangcisiweyo
Iiklinikhi zoMzali ezicwangcisiweyo zamkela iMedicaid kwaye uninzi lwezicwangciso zeinshurensi yezempilo. Kwizigulana ezingenazo zombini, ezi klinikhi zihlala zibonelela ngesaphulelo kulawulo lokuzalwa kuxhomekeke kumvuzo.
8.Uluntu okanye amaziko ezempilo oluntu
Uluntu lwakho lunokuba neeklinikhi zempilo ezingenzi nzuzo, amaziko ezempilo oluntu, okanye iiklinikhi zocwangciso losapho ezibonelela ngesaphulelo okanye simahla iinkonzo zempilo yokuzala. Kwimali ehlawulwayo, ngesiqhelo iidola ezingama-25 okanye ngaphantsi, unokubonwa ngugqirha, umisele indlela efanelekileyo yolawulo lokuzalwa, kwaye ngamanye amaxesha ufumane indlela yokuthintela ukukhulelwa oyifunayo, enjengokudubula, ukufakelwa, okanye isixhobo sangaphakathi.
Iiklinikhi ezijolise kwimpilo yabasetyhini, impilo yezesondo, okanye ii-STIs (izifo ezosulela ngokwabelana ngesondo), kunye neeklinikhi zeTayit X, zezona ndawo zinokuthenjwa zokufumana isaphulelo okanye ulawulo lwasimahla lokuzalwa.
9.Iinkqubo zoncedo lomonde
Okokugqibela, iinkampani ezininzi zoxubo mayeza, iinkampani zezixhobo zonyango, kunye nemibutho engenzi nzuzo zibonelela ngeziyobisi kunye nezixhobo simahla kwizigulana ezingaqinisekiswanga ezisweleyo. Abanye bagubungela ikopi yonke kwizigulana ezi-inshurensi. Ezi nkqubo zoncedo lwesigulana zihlala zinceda abaguli ukuba babeke iimveliso ezibiza kakhulu, ezinamagama brand. Nangona kunjalo, ukuba uyakufanelekela, uncedo lwesigulana kwimveliso enegama lomenzi kuhlala kunexabiso eliphantsi okanye ngaphandle kweendleko ezizezinye kwii-generics zexabiso eliphantsi.
Izixhobo ezinxulumene noko
- Ukusetyenziswa kokuthintela ukukhulelwa eMelika kunye notshintsho kwiipatheni zokusetyenziswa ukusukela ngo-1995 , I-CDC
- Izinto zokuthintela ukukhulelwa kunye nomgaqo-nkqubo ngokusebenzisa iilensi zesini , PerryUndem
- Iimviwo neemvavanyo ziyafuneka ngaphambi kokuqaliswa kweendlela zokuthintela ukukhulelwa , I-CDC
- Iipilisi zokulawula inzala , Umbutho waseMelika okhulelweyo
- Isihloko X sokucwangcisa usapho ingxelo yonyaka ka-2018 isishwankathelo , KwiOfisi yeMicimbi yaBantu
- Izibonelelo zolawulo lokuzalwa , KwezeMpilo.gov
- I-340B kunye neMedicaid: Inkcazo yabanikezeli ngocwangciso losapho , UMbutho weSizwe woCwangciso loSapho kunye neMpilo yokuZala