Kodi mankhwala a khansa ya m'mawere amawononga ndalama zingati ku US?

Kampani

Matenda a khansa ya m'mawere ndi nkhani zowononga aliyense, mosasamala kanthu za msinkhu wake, chuma chake, kapenanso jenda. Amuna ndi akazi amatha kudwala khansa ya m'mawere, ngakhale kuti imafala kwambiri kwa amayi. Akuyerekeza kuti mwayi wokhala ndi khansa ya m'mawere ndi 1 mwa 1,000 , pomwe kwa amayi chiopsezo chimadumpha mpaka 1 pa 8 .

Ngakhale mutakhala ndi mwayi wochuluka motani, khansa ya m'mawere ndi chinthu chosintha moyo chomwe chingayese kutsimikiza kwanu, kutsutsa thupi lanu, ndikuwononga akaunti yanu yakubanki. Kuchiza khansa ya m'mawere ndiokwera mtengo. Izi ndi ndalama zomwe mungakumane nazo mutapimidwa ndi matenda a inshuwaransi komanso opanda inshuwaransi.

Kodi mtengo wa chithandizo cha khansa ya m'mawere ndi wotani?

Zonsezi, mtengo wapakati a khansa ya m'mawere akuti ndi $ 20,000 mpaka $ 100,000. Zimasiyanasiyana kwambiri chifukwa chilichonsekulimbana ndi khansa ya m'mawere ndi kosiyana-kutengera nthawi yomwe yapezeka komanso kutalika kwake. Nthawi zambiri, matendawa amayamba ndi ndalama zomwe zimaphatikizira kuyendera ofesi, ntchito yapa lababu, komanso mankhwala akuchipatala. Ngakhale anthu ambiri amaganiza kuti chemotherapy ndiokwera mtengo kwambiri pamankhwala, zitha kukhala zodabwitsa kudziwa kuchuluka kwa mankhwala a khansa.

Popanda inshuwaransi, Lynparza (mankhwala omwe amagwiritsidwa ntchito pochiza khansa ya m'mawere yomwe yafalikira mbali zina za thupi) amawononga $ 156,000 pachaka. N'zomvetsa chisoni kuti chiwerengerochi ndichizolowezi osati chokhacho, ndipo ndalama zambiri ndiz kutsogolera odwala kudumpha kapena kuperekeratu chithandizo chamankhwala .

Mankhwala ndi gawo limodzi chabe la mavutowa. Ambiri omwe amapezeka pambuyo pake amafunikira chemotherapy. Apanso, mitengo imatha kusiyanasiyana, koma Chemo yoyambira itha kutenga $ 10,000 mpaka $ 100,000 kapena kupitilira apo . Kuphatikiza apo, anthu ambiri amafunikira mankhwala ndi chemotherapy nthawi yomweyo. Mtengo wowonjezera wa Malangizo , omwe amadziwika kuti ali ndi chemo, amayendetsa mtengo wamankhwala kupitilira $ 160,000.

Amayi ena amafunikira minyewa yothandizira khansa ya m'mawere. Kuchita opaleshoniyi ndiokwera mtengo payokha, ndipo nthawi zambiri kumayendetsedwa ndi chemotherapy. Pafupifupi, njirayi imawononga pafupifupi $ 13,000 , zomwe siziphatikizapo mtundu uliwonse wamamangidwe. Kumanganso pachifuwa pambuyo pa mastectomy imawonjezera kulikonse kuyambira $ 5,000 mpaka $ 8,000 pamtengo wonse, kutengera dotolo.

Kodi chithandizo cha khansa ya m'mawere chimakhala ndi inshuwaransi?

Inshuwalansi yaumoyo ndiyo njira yabwino kwambiri yolipirira ndalama zochizira khansa ya m'mawere. Kuphunzira kwanu kumachotsa ngongole zambiri, ndipo kumatha kugwira ntchito ndi omwe akukuthandizani kuti mukambirane ndalama zochepa zomwe muyenera kulipira.

Wodwala m'modzi adati ndalama yake yoyamba inali $ 200,000 , komabe kampani yake ya inshuwaransi idatha kulipira $ 60,000 yokha. Chifukwa chadongosolo laumoyo woperekedwa ndi abwana ake, adangotsala ndi $ 3,000 zokha mthumba.

Kaya muli ndi inshuwaransi kapena ayi, kuzindikira msanga kumatha kutsitsa kwambiri ndalama. Kafukufuku wofalitsidwa ndi American Health & Drug Benefits poyerekeza madandaulo a inshuwaransi ochokera kwa azimayi osiyanasiyana omwe adachitidwapo khansa ya m'mawere ndikupeza zotsatira zodabwitsa. Mtengo wapakati wa chithandizo cha khansa ya m'mawere mchaka choyamba atalandira matendawa ndi awa:

• Gawo 0 khansa ya m'mawere mtengo: $ 60,637
• Gawo la khansa ya m'mawere I / II mtengo: $ 82,121
• Gawo lachitatu la khansa ya m'mawere mtengo: $ 129,387
• Khansa ya m'mawere ya Gawo IV: $ 134,682
• Avereji ya mtengo wa khansa ya m'mawere m'magulu onse: $ 85,772

Kuzindikira koyambirira kumathandizira kuchepetsa ndalama zomwe mumalandira kuchipatala komanso kumakupatsirani mwayi wabwino kuthana ndi matenda anu. Amayi azaka 40 kapena kupitilira apo amayenera kukhala ndi mammogram chaka chilichonse . Azimayi omwe ali pachiwopsezo chachikulu ayenera kuyamba njira yodzitetezera ali ndi zaka 30.

ZOKHUDZA: Zinthu 9 zomwe mungachite kuti mupewe khansa

Njira 5 zosungira ndalama khansa ndalama

Iwo omwe alibe inshuwaransi atha kukhala ndi nthawi yovuta kwambiri kulipira ndalama zazikuluzi. Ngakhale iwo omwe ali ndi chimbudzi amatha kuyang'anizana ndi ngongole zomwe sangakwanitse kulipira. Pali zifukwa zingapo zoti mukambirane ndi dokotala wanu kuti muwone ngati kutsitsa khansa ya m'mawere ndikotheka, kuphatikiza:

1. Kufunsira mitundu yamankhwala omwe mumalandira.
2. Kukambirana za njira yakukhazikitsira dongosolo lolipira.
3. Kufufuza ngati mukuyenera kulandira mayeso azachipatala, omwe amawononga ndalama zochepa kapena mwina amapezeka kwaulere.
4. Kufunsa za thandizo la ndalama kuchokera kubungwe la boma.
5. Kugwiritsa ntchito ma coupon aulere ochokera kumakampani ngati SingleCare kuti musunge pamankhwala akuchipatala.

Gwiritsani ntchito ndi dokotala kuti mupeze njira yothandizira yomwe ili yoyenera kwa inu, komanso momwe mulili pachuma.