Kodi IVF imawononga ndalama zingati?
Maphunziro a ZaumoyoIVF ndi chiyani? | Mtengo wa IVF | Kuphunzira za inshuwaransi | Ndalama | Sungani ndalama pamankhwala osokoneza bongo
Ngati mukuvutika ndi pakati, simuli nokha. Makumi atatu ndi atatu peresenti a mabanja ku United States ali ndi mavuto osabereka. Kusabereka kuli ponseponse ndipo kumatha kuyambitsidwa ndi zinthu zingapo monga zaka, nthawi yosasintha, kupanga umuna wosazolowereka, kapena matenda omwe alipo kale obereka.
Mwamwayi, pali mankhwala osiyanasiyana osabereka koma zofala kwambiri ndi intrauterine insemination (IUI) ndi in vitro feteleza (IVF). M'malo mwake, pafupifupi awiri% mwa ana obadwa amoyo ku United States chaka chilichonse amachitika chifukwa cha njira zothandizira anthu osabereka kuti athetse vuto lawo — njira yaikulu ndiyo IVF. Panali ana 81,478 obadwa mu 2018 chifukwa cha njirazi.
IVF ndi chiyani?
IVF ndi njira yothandizira ma laboratory yomwe imathandizira kuti dzira likhale lopambana kunja kwa thupi, kutsanzira umuna wachilengedwe ndikulimbikitsa kutenga pakati ndi kubereka.
Katswiri wokhudzana ndi chonde angalimbikitse IVF kuti atenge mimba pazifukwa zingapo, kuphatikiza mbiri yakulephera kwa chithandizo cha kusabereka, kusabereka kosadziwika, kapena chiopsezo cha matenda amtundu.
Nthawi zina [okwatirana] atha kukhala kuti alephera njira zina zamankhwala, monga kutulutsa ubwamuna, akuti Lynn Westphal , MD, dokotala wamkulu wa zipatala za chonde za Kindbody. Mayiyo atha kutseka machubu a chiberekero kapena mwamunayo amatha kuchepa umuna.Mabanja ena atha kukhala ndi matenda amtundu (monga cystic fibrosis) ndipo amafuna kuyesa mazira kuti asakhale ndi mwana wokhudzidwa. Ngati mayiyo sangakhale ndi pakati, amayenera kupanga IVF kuti ayike miluza.
Momwe imagwirira ntchito
- Gawo loyamba la IVF nthawi zambiri limaphatikizapo kumwa mankhwala omwe amachititsa mazira ambiri komanso kuthandiza mazira kupanga njirayi.
- Mazirawo akakhwima, dokotala amawachotsa m'mimba mwake pogwiritsa ntchito singano. Mazirawo amawaika m'mbale ndi kuwasakaniza.
- Pochita zotchedwa insemination, umuna-kaya umuna wopereka kapena wochokera kwa mnzanu-udzawonjezeredwa m'mazira ndikuwunikidwa kuti zitsimikizidwe kuti umuna udachita bwino ndipo mluza umakula.
- Mluza ukadziwika kuti wakonzeka kusamutsa, adotolo amalowetsa mluza mchiberekero. Kuchokera pamenepo, mwana wosabadwayo amayenera kuyika m'mbali mwa chiberekero.
Zabwino za IVF
Kuchuluka kwa kutenga pakati pambuyo pa nthawi imodzi ya IVF zimasiyanasiyana ndipo amadalira kwambiri zaka za akazi. Nthawi zambiri, pamafunika nthawi zingapo kuti muchite bwino. Kliniki imodzi yobereka imapereka ziyerekezo zotsatirazi ndi kuzungulira koyamba, kutengera zaka:
- Akazi ochepera zaka 30 ali ndi mwayi wopambana 46%.
- Amayi azaka 30 mpaka 33 ali ndi mwayi wopambana 58%.
- Amayi azaka 34 mpaka 40 ali ndi mwayi wopambana 38%.
- Amayi azaka 40 mpaka 43 ali ndi mwayi wochepera 12% wopambana.
Kuphatikiza apo, mazira opereka amathanso kugwiritsidwa ntchito ndikupanga chiwongola dzanja chachikulu ( 55% ) ya mimba yomwe imabweretsa kubadwa kwa moyo poyerekeza ndi mabanja ambiri omwe amatembenukira ku IVF ndipo sagwiritsa ntchito wopereka dzira. Izi mwina mwina ndi zina chifukwa cha zaka zapakati pazaka zoperekera dzira: wazaka 26. Izi zimangotsimikizira kuti msinkhu wa dzira la mkazi lomwe limagwiritsidwa ntchito potanthauzirali limakhala mwayi wopambana pantchitoyi. Amuna samakhudzidwa ndimavuto osabereka mpaka atakwanitsa zaka 50.
Mtengo wa IVF
Mtengo wapakati paulendo umodzi wa IVF ndindalama zoposa $ 20,000, malinga ndi Chonde IQ . Chiwerengerochi chimapangitsanjira ndi mtengo wamankhwala. Komabe, wodwala IVF wamba amapyola magawo awiri, kutanthauza kuti mtengo wonse wa IVF nthawi zambiri umakhala pakati pa $ 40,000 ndi $ 60,000.
Nayi kuwonongeka kwaMtengo wa IVF:
- Kuyesedwa kwa Pre-IVF kapena chonde:
- $ 200- $ 400 paulendo watsopano wopita ku endocrinologist yobereka
- $ 150- $ 500 pa chiuno cha ultrasound kuti muwone chiberekero ndi thumba losunga mazira
- $ 200- $ 400 poyesa magazi okhudzana ndi chonde
- $ 50- $ 300 pofufuza umuna
- $ 800- $ 3,000 ya hysterosalpingogram (HSG), yomwe ndiyeso yomwe imagwiritsa ntchito utoto kuwunika chiberekero ndi machubu
- $ 3,000- $ 5,000 ya mankhwala obereketsa
- $ 1,500 yowunikira ma ultrasound ndi ntchito yamagazi
- $ 3,250 yobwezeretsa dzira
- $ 3,250 yothandizira ma labotale omwe atha kuphatikizira zina kapena izi:
- Andrology pokonza nyemba za umuna
- Chikhalidwe cha Oocyte ndi umuna
- Intracytoplasmic jekeseni wa umuna (ICSI)
- Kuthanyidwa kothandizidwa
- Chikhalidwe cha Blastocyst
- Kusungidwa kwa mluza
- Kuyesedwa kwachibadwa:
- $ 1,750 ya biopsy ya mluza
- $ 3,000 pakuwunika kwamtundu
- $ 3,000 posamutsira mluza:
- Kukonzekera kwa laboratories kwa mluza
- Njira zosamutsira, pakufunika kuti mukhale ndi pakati bwino, mpaka kusinthidwa katatu
Zambiri zamtengo kuchokera ku Kusamalira Zaumoyo ku University of Mississippi ndipo Chitukuko Chapamwamba cha Chicago . Chidziwitso: Njira yanu yothandizira IVF mwina singaphatikizepo zonsezi.
Kodi inshuwaransi imaphimba IVF?
Kupeza ndalama za IVF ndi mtengo wake wotsatila zimasiyanasiyana m'mapulani osiyanasiyana a inshuwaransi, makampani, ndi mayiko. Mwachitsanzo, makampani ena a inshuwaransi kuphimba kuyezetsa matenda koma osati mankhwala. Omwe amapereka amapereka zoyesayesa zochepa za IVF, ndipo ena samabisa IVF konse.
Anthu ambiri amalipira IVF mthumba, atero a Lev Barinskiy, CEO wa SmartFinancial Inshuwaransi . Ndondomeko zachikhalidwe zoberekera nthawi zambiri zimakhudza kuwunika koyezetsa magazi komanso kuzungulira kwa IVF kapena IUI, kutengera inshuwaransi.
Ndikofunika kuti mufufuze ndikulankhula ndi omwe akukuthandizani za inshuwaransi ndi chipatala chokhudzana ndi mtengo wamachitidwe anu popanda inshuwaransi.
Pakadali pano, 18 akuti adutsa malamulo omwe amalamula mabizinesi kuti apereke mwayi wobereka ndi magawo osiyanasiyana owafotokozera antchito awo, Barinskiy akufotokoza. Maboma ena akumaloko amafuna kuti inshuwaransi ya zaumoyo ilipire mayeso okhudzana ndi kubereka ndi chithandizo. Kuphunzira kumasiyana m'maiko, chifukwa chake muyenera kuwerenga lamulo la boma komwe abwana anu amakhala.
International Foundation of Employee Plans Plans yatulutsidwa zotsatira kuchokera ku kafukufuku wa 2018 yemwe adapeza 31% ya olemba anzawo ntchito omwe ali ndi 500 kapena kupitilira apo amapereka mitundu ina ya maubwino. Kudzera mu kafukufukuyu apezanso kuti:
- 23% imaphimba mankhwala a vitro feteleza (IVF)
- 7% imaphimba ntchito zokolola dzira / dzira
- 18% imaphimba mankhwala obereketsa
- 15% imakhudza kuyesa kwa majini kuti adziwe zovuta zakubala
- 13% imaphimba chithandizo chosagwiritsa ntchito IVF
- 9% amayendera maulendo ndi aphungu
Popeza kusabereka kumakhudza onse awiri, ndikofunikira kuti abambo ndi amayi onse afufuze zomwe akufuna kukwaniritsa kuphatikiza kusanthula umuna ndi kusamalira abambo.
Zowonjezera inshuwaransi ya chonde:
Nawa masamba ena owonjezera ochokera kumakampani apamwamba a inshuwaransi yokhudzana ndi kusabereka komanso kufalitsa kwa IVF:
Ndibwino kuyimba ndikuyankhula ndi omwe amakuthandizani ndi inshuwaransi mwachindunji kuti mumve bwino zomwe zili komanso zosaphimbidwa. Mafunso ena omwe mungafune kufunsa ndi awa:
- Kodi mfundo zanga zimafotokoza za matenda kuti mudziwe chifukwa chake osabereka?
- Kodi ndiyenera kutumizidwa kuti ndikawone katswiri wa kusabereka?
- Kodi mfundo zanga zimakhudza intrauterine insemination (IUI)?
- Kodi ndondomeko yanga imakhudza vitro feteleza (IVF)? Ngati ndi choncho, kodi imakhudzanso njira zina monga intracytoplasmic sperm injection (ICSI), cryopreservation (embryo freezing), ndalama zosungira mazira achisanu, kusamutsa mazira achisanu?
- Kodi chilolezo cham'mbuyomu chimafunikira pamachitidwe aliwonse okutidwa?
- Kodi pali phindu lochulukirapo la kusabereka?
- Kodi ndondomeko yanga imagwiritsa ntchito mankhwala ojambulidwa? Ngati ndi choncho, kodi amafunikira chilolezo kapena kugwiritsa ntchito mankhwala apadera?
- Kodi ndingathe kulongosola zolembedwa za zabwino zanga?
M'munsimu muli manambala olipirira (Ma CPT) omwe mungawafotokozere mukamayankhula ndi omwe amakuthandizani ndi inshuwaransi:
| Ma code olipira IVF a inshuwaransi | |
|---|---|
| Intrauterine insemination (IUI) |
|
| IVF mu vitro feteleza (IVF) |
|
| Kusintha kwa mazira (FET) |
|
| Mankhwala |
|
Zosankha zandalama za IVF
Ngakhale IVF imakhala yotsika mtengo ngakhale ndi inshuwaransi, pali njira zina zochepetsera ndalama. Mwachitsanzo, Reproductive Medical Associates (RMA), yomwe ili ndi malo 19 ku U.S., ili ndi pulogalamu yayikulu ya IVF ndipo ntchito zachuma zomwe zimalumikiza maanja ku mapulani osiyanasiyana obwereketsa ndi kulipira. Mapulogalamu omwe amapezeka kudzera mu RMA ndi awa:
- Ngongole Zamalonda Odwala
- Chonde cha ARC
- Ndalama Zatsopano Za Kubereketsa Moyo
- Dongosolo la WINFertility
- Kubwereketsa Prosper Healthcare
- Banja Lakutsogolo
- United Medical Mawu
National Infertility Association ilinso ndi mndandanda za mapulogalamu azachuma osabereka.
Pali mabungwe ambiri osachita phindu omwe amapereka ndalama kwa iwo omwe akuvutika ndi kusabereka kudzera mu zopereka.
Ambiri (osachita phindu) amapereka ndalama pamankhwala ena (ie $ 5,000), koma ndalama za Parental Hope zimalipira mtengo wonse wa IVF, akuti David molimba , woyambitsa nyumba komanso purezidenti wa Parental Hope. Mabungwe akuluakulu osapindulitsa omwe amathandizira anthu osabereka ndi awa Chiyembekezo cha Makolo , BabyQuest , Cade Foundation , ndi Madalitso Ochuluka.
Chiyembekezo cha Parental chimapereka thandizo la ndalama kwa mabanja osabereka kudzera mu pulogalamu yawo ya Parental Hope Family Grant, yomwe imaphatikizapo thandizo la IVF. Kwa IVF ndi FET (zopereka), talumikizana ndi Institute for Reproductive Health ndipo zopereka zonsezo zimalipira ndalama zonse zamankhwalawa, a Bross akufotokoza.
Pali zopanda phindu zambiri zakomweko komanso zadziko zomwe zimapereka ndalama. Ngakhale kulandira thandizo sikutsimikizika chifukwa pali njira yofunsira, sizopweteka kuyika. Onetsetsani kuti mukuwerenga zofunikira asanapemphe thandizo chifukwa mapulogalamu ena amakhala ndi chindapusa.
Momwe mungasungire ndalama pamankhwala obereketsa
Mankhwala amapereka gawo lalikulu pamtengo wonse wa IVF.Amayi amafunikira mankhwala angapo panthawi ya IVF, Dr. Westphal akuti. Amayi ambiri amapatsidwa mapiritsi oletsa kubereka koyamba kuti athandizire panthawi yomwe amalandira chithandizo. Pofuna kutulutsa mazira ochuluka, azimayi amabayidwa jakisoni wa mahomoni opatsa chidwi (mwachitsanzo Follistim, Gonal-F) kwa masiku pafupifupi 9 mpaka 12. Pamene ma follicles ('mazira am'mazira') amakula, mankhwala amawonjezeredwa kuti apewe kutulutsa mazira koyambirira, makamaka omwe amatsutsana ndi gonadotropin-kutulutsa wotsutsa mahomoni (mwachitsanzo Ganirelix, Cetrotide).
Akulongosola kuti potenga dzira ndikusamutsa, mayiyo amalandira jakisoni wa chorionic gonadotropin (HCG), maantibayotiki, ndi progesterone.
Kuti musunge ndalama pamankhwala obereketsa, choyamba muyimbire kampani yanu ya inshuwaransi kapena onaninso ku formulary ya mapulani anu. Ngakhale njira za IVF sizikukhudzidwa ndi inshuwaransi, mankhwala ena atha kukhala.
Ngati copay yanu yamankhwala obereketsa ikadali yayikulu kwambiri kapena ngati mulibe inshuwaransi, muli ndi njira zingapo zosungira ndalama. Mutha kulumikizana ndi omwe amapanga mankhwalawa ndikufunsani za makuponi opanga kapena mapulogalamu othandizira odwala. Mwachitsanzo, The Chifundo Chachifundo ndi EMD Serono atha kupulumutsa odwala oyenerera mpaka 75% kuchotsera Gonal-F.
SingleCare imatsitsa mtengo wamankhwala ambiri omwe amagwiritsidwa ntchito munthawi ya IVF. Gwiritsani ntchito tebulo ili m'munsi kuti mupeze ma coupon aulere, omwe makasitomala onse aku US amatha kugwiritsa ntchito ngati ali ndi inshuwaransi kapena ayi.
| Mtengo wa mankhwala osokoneza bongo ndi makuponi | |||||
|---|---|---|---|---|---|
| Dzina la mankhwala osokoneza bongo | Momwe imagwirira ntchito | Mlingo woyenera | Mtengo wapakati | Mtengo wotsika kwambiri wosakwatiwa | |
| Lupron (leuprolide acetate) | Zimalepheretsa ovulation msanga | 0.25-1 mg jakisoni tsiku lililonse kwa masiku 14 | $ 880.98 patsiku lamasiku 14 | $ 364.90 patsiku lamasiku 14 | Pezani coupon |
| Follistim AQ katiriji (follitropin beta) | Zimalimbikitsa kukula ndi kukula kwa mazira, zimalimbikitsa umuna mwa amuna | 200 jekeseni wamagetsi tsiku lililonse kwa masiku 7. Mlingo ungakulitsidwe mpaka kuchuluka kwa mayunitsi 500 tsiku lililonse kutengera kuyankha kwamchiberekero. | $ 2,855.19 pa 900-unit cartridge | $ 2,187.06 pa 900-unit cartridge | Pezani khadi ya Rx |
| Ovidrel (choriogonadotropin alfa) | Zimayambitsa kutuluka kwa mazira m'mimba mwake | 250 mcg / 0.5 mL jakisoni wocheperako kamodzi | $ 267.99 pa jakisoni | $ 178.75 pa jakisoni | Pezani coupon |
| Ganirelix | Zimalepheretsa ovulation msanga | 250 mcg / 0.5 mL jakisoni wocheperako tsiku lililonse (mpaka utalangizidwa kupereka hCG) | $ 512.99 | $ 447.03 pa jakisoni 250 mcg | Pezani coupon |
| Cetrotide (cetrorelix) | Zimalepheretsa ovulation msanga | Jekeseni wa 0.25 mg wocheperako kamodzi tsiku lililonse (mpaka utalangizidwa kuti upatse hCG) | $ 318.99 pa 0.25 mg kit | $ 241.08 pa 0.25 mg kit | Pezani coupon |
| Doxycycline | Amachepetsa chiopsezo chotenga matenda panthawi ya IVF | 100 mg kapisozi kawiri pa tsiku kwa masiku 4, kuyambira tsiku lobwezeretsa dzira | $ 43.76 pa 20, mapiritsi 100 mg | $ 14.31 pa 20, mapiritsi 100 mg | Pezani coupon |
| Endometrin (progesterone) | Amakulitsa ndikukonzekera chiberekero cha chiberekero kuti dzira la mayi likhale lodzala | 100 mg makapisozi intravaginally 2-3 tsiku kwa masabata 10-12 ndi dokotala | $ 373.99 pa bokosi | $ 265.32 pa bokosi | Pezani coupon |
| Gawo (estradiol) | Amapereka estrogen m'thupi, yomwe imathandiza mu IVF pazifukwa zosiyanasiyana | 1-2 mg piritsi pakamwa kawiri pa tsiku kwa masiku 14 | $ 17.69 pa 30, mapiritsi 1 mg | $ 6.24 pa 30, mapiritsi 1 mg | Pezani coupon |
Mfundo yofunika: Tengani nthawi yanu paulendo wanu wa IVF
Popeza odwala ambiri amapita munjira zingapo za IVF asanakhale ndi pakati, ndikofunikira kwambiri kuyeza mtengo ndi kuchipatala kuti mudzakwanitse kuchita zinthu zingapo ngati zingafunike. Nawu mndandanda wa mafunso ndi kulingalira posankha chipatala cha chonde:
- Kodi chipatala chanu chimapereka pulogalamu yobwezeretsa IVF?
- Ndi inshuwaransi iti yomwe imavomerezedwa pamitengo ya IVF?
- Ndi ntchito ziti za IVF zomwe zimaperekedwa kuchipatala?
- Kodi kuwonongeka kwa ndalama pazantchito ndi chiyani?
- Kodi mumalangiza ntchito iliyonse yothandizira kubereka?
- Kodi malo a chipatalacho ndiabwino kwa ine ndi mnzanga?
- Kodi chipatalachi ndi ogwira nawo ntchito amawunikiridwa kwambiri pakati pa odwala ndi akatswiri ena?
- Kodi kupambana kwawo ndikotani? Pulogalamu ya Wopeza chipatala cha Sart chonde imakupatsani mwayi wowona kuchuluka kwa chonde pachipatala polemba mu zip code.
Ndikofunikanso kuganizira zakufunika koti mupume pakati pama IVF. Nthawi yanthawi yapakati pa IVF ndi nthawi imodzi yakusamba, malinga ndi Institute ya chonde ya Carolinas . Izi nthawi zambiri zimamasulira milungu inayi kapena isanu ndi umodzi kuchokera pomwe maimbidwe amasamutsidwa ndikuyesedwa koyipa kuti ayambitse IVF.
Nthawi zambiri, wodwala amayenera kudikirira pakati pa njira za IVF mpaka thupi lake libwerere kudziko lake la pre-IVF, atero a Peter Nieves, wamkulu wogulitsa ku WINKubala . Kutanthauza kuti wayamba msambo ndipo mahomoni ake oyambira ndi kukula kwam'chiberekero abwerera kuchipumulo chake.
Zifukwa zopumira pakati pa ma IVF zitha kuphatikizira zosowa zakuthupi, zachuma, komanso malingaliro. Mankhwala ena amatha kuyambitsa kutupa, komwe madokotala ambiri amakhulupirira kuti ayenera kuchepa asanayambe kuzungulira kwatsopano. Mtengo wazachuma komanso wamaganizidwe a IVF amathanso kusokoneza thanzi lanu komanso ubale wanu ndi mnzanu, chifukwa chake kutenga nthawi yokonzekera ulendo wina ndikofunikira.
