Kusarudza Kuti Handizvo Here Kana Kuti Kwete Chaizvo Chako Chako Chako
Cancer inshuwarisi inofanana nemoto mutsva munyika yehutano hurongwa hwehutano . Yakasikwa mukupindura kwehuwandu hunowedzera huwandu hwekenza muUnited States uye inowanzowedzera mari yekurapa kenza.
Izvi zvinowedzera mari yemainishuwarenzi yakagadzirirwa kubatsira kubatsira kudarika-kwe-podhazvino mari uye bhulogi musiyano pakati pezvaunonyanya kushandisa inshuwarisi uye hauna kuvhara .
Asi mubvunzo ndewokuti: zvakakosha here?
Nhanganyaya yeCancer Insurance
Cancer inshuwarisi haisati yakagadzirirwa kutora inshuwarhu yehutano yemautano asi kuvonga kuburikidza nokubhadhara mari-yakabhadhara mari isingabvumirwi nemutemo wako. Kune nzira mbiri umo inshuwarisi ino inoshanda:
- Nezvirongwa zvakawanda, uchawana mari yakawanda yemari kana uchitarirwa nekenza yaunogona kushandisa kune zvose zvekurapa uye zvipenyu zvekugara. Iwe unoshandisa mari iyi nenzira ipi zvayo yaunosarudza kuigadzirira mihora yakarashika, inokanganisa, uye unobhadharwa .
- Zvishoma nezvishoma, mutemo unogona kupa kugoverwa kwekodhi-yakabhadhara mari pamusoro apa uye kupfuura izvo zvinotarisirwa nehutano hwehutano hwako. Chaizvoizvo chakafukidzwa chinogona kusiyanisa zvikuru uye pane dzimwe nguva, chingava nechakafanana chakafanana neicho chiri muurongwa hwako hukuru.
Iyi mitemo inotanga kushanda mushure mekunge kambani ye inshuwarisi inogamuchira zvinyorwa zvekushaiwa kenza yako.
Pane kazhinji nguva yekumirira mushure mekutenga isati yasvika yakazara.
Kukodzera kweCancer Insurance
Kuti uwane chikwereti cheshuwarisi yekenza, kazhinji haugoni kuva nemamiriro ezvinhu akambovapo akakugadzirira iwe nekenza. Semuenzaniso, iwe haugone kuonekwa kuti une chirwere chekuberekwa uye uzoshandira purogiramu.
Muzviitiko zvakawanda, vanhu avo vakambotarirwa uye vanobatwa nekenza vanewo mvumo. Mamwe mapoka, akadai seavo vane HIV, inowanzoiswa kunze sezvo chirwere chinosanganiswa nehuwandu hwehuwandu hwemhando dzekenza.
Ndeipi Kanjini Inishuwarenzi Inoita uye Haifaniri Kuvhara
Kunyange zvazvo inshuwarisi yekenza inoparadzaniswa zvichienderana nemupi wehutungamiri nemashoko ezvematongerwo enyika, zvirongwa zvakawanda zvinofukidza zvose zvekurapa uye kwete zvekurapa mari.
Zvokurapa zvinogona kusanganisira copays, kufambira mberi kwekugara kuchipatara, kuongororwa kwebazi, zvirwere zvakasiyana-siyana zverapa, uye nzira dzakadai semashiripiti esero kuchinja. Zvisiri-zvemari dzemari zvinogona kusanganisira kutarisirwa kwehutano kumusha, kurasikirwa kwemari, kutarisira vana kutengesa, uye kugadziriswa kwezvokudya zvinodzivirira.
Kanishuwarenzi yomshuwarisi kazhinji haifaniri kuvhara chero ipi zvayo inokonzerwa ne-non-melanoma yechirwere cheganda. Pamusoro pezvo, avo vane mapepa ekutanga, akadai secarcinoma in situ , vangangowana mubhadharo wakaderedzwa, kazhinji hafu kana zvishoma pane zvaungagamuchira kenza kuongorora.
Ziva Izvo Zvinhu Usati Watenga
Pane zvakawanda zvekukakavadzana nezverongwa hwehutano hwehutano. Vamwe vanhu vanovatsigira zvakasimba apo vamwe vanotenda kuti vari kungoita zvemari-mishonga inoparadza kutya kwevanhu.
Pano pane dzimwe pfungwa dzinofungidzirwa paunofunga nezvekutenga chirongwa chehushuwarano chekenza:
- Ziva kenza yako ngozi. Avo vane mhuri dzakasimba nhoroondo yekenza vangada kutarisa purogiramu yavo yemazuva ano uye kuona kana inshuwarisi yekenza inogona kukuza kugoverwa. Izvo zvinoshanda kune avo vane maitiro ekugadzirisa zvirwere zvekenza, sevanhu vane mutsauko we BRCA2.
- Ona kana kuvandudza mutemo wako uripo unogona kupa kugoverwa kwaunoda. Kusarudza kuvandudza purogiramu yako yemazuva ano inogona kunge iri nzira yakanakisisa kune avo vari muhutano hwehuwandu hwekenza. Izvo zvingadhura zvishomanana kuti uvandudze uye kukupa huwandu hwakawanda hwezvigaro zvemamiriro ekunze asina kenza, zvakare.
- Yeuka kuti mitemo miviri haisi mitemo hairevi kaviri kugoverwa. Kuva nehutano hwehutano hwehutano pamwe chete nekenza-yakananga yunivhesiti hurongwa hazvireve kuti iwe uchawana zvakapetwa kaviri. Kazhinji kacho, kurapwa kusingabatanidzwi nemutemo umwe kunogonawo kuiswa kunze kweimwe.
- Verenga Kurongeka kweChikamu cheZvibatsiro . Mazhinji emishumo mainishuwarenzi makuru ane Coordination of Benefits (COB) clause iyo inotaura kuti inshuwarisi haifaniri kubhadhara mari iyo imwe urongwa hunoita. Nokutenga inshuwarisi yemukenza, iwe unogona, iwe chaizvoizvo, unogona kuodza mararamiro anowanikwa muurongwa hwako hukuru. Hazvisi zvisizvo kune vapeki vaviri kukwikwidza mutoro weumwe kunze kwekufungidzira kugoverwa. Kunyange zvazvo nyaya idzi dzingawanzogadziriswa, dzinogona kukonzera kushaya musoro uye kusapedza nguva.
Mamwe Inishuwarenzi Options
Kana iwe uine hanya nezvemari inosangana nemhuri yako inogona kutora kana iwe uine kenza, pane zvimwe zvishoma zvingasarudzwa zvaunogona kufunga:
- Kugadzirisa nyaya yehutano yekuchengetedza hutano (HSA) kana kubhadhara mari yekushandisa mari (FSA) kuburikidza nemushandi wako anogona kukubvumira kuisa mari kunze, kusina mutero, pamusoro pemari yepamusoro uye kupfuura iyo yakafukidzwa neshuwarisi yako.
- Chirongwa cheshuwarisi chinorwara chinogona kugovera kugoverwa kwekenza uye mamwe marudzi ezvirwere zvakakomba, zvakadai sekurwadziwa kwepfungwa kana chirwere. Sezvo nehutano hwehushuwarano yemararamiro, zvakakosha kuti iwe uverenge zvinyorwa zvakanaka kuti unzwisise mamiriro ezvinhu (kana matanho ekurwara) iyo inoratidzira.
- Kana uchinetseka pamusoro pemararamiro akarasika, funga kuisa mari mu inshuwalense yenguva pfupi yemahutano inobhadharwa kune chero mamiriro ezvinhu ehutano anokanganisa kukwanisa kwako kushanda.
Tora Home Messages
Usati watenga chero hurongwa hwehushuwarisi hwekenza, pane mitemo mina yegumbo iwe unofanirwa kutevera nguva dzose:
- Zvakakosha kuti iwe unzwisise zvakananga mumutemo, izvo zvisingabatanidzwi, uye izvo nguva yekumirira iwe usati wakwanise kuwana zvikwereti.
- Iwe unofanirwa kuenzanisa zvikomborero zvekuwedzera kwemazano nevaya vepamitemo yako yekutanga yekuona kuti pane kupi kana kuwanikwa kana kuregwa. Hapana chinangwa pakutsvaga inshurensi yekenza kana yako ikozvino inowedzera yakawanda kana yose yakafanana mari.
- Kana iwe uchidavira kuti mari yekenza kurapwa haina kukwana zvakakwana neurongwa hwako hukuru, funga kana kuvandudza kunogona kuzadza zvipuka izvozvo.
- Kana iwe ukasarudza kuti inshuwarisi yekenza ndiyo nzira yakakodzera, tora nguva yekutenga. Izvi zvinosanganisira kutenga kune dzimwe mhando dzekuparidzira kusanganisira inshumo yekuremara kwenguva refu .
Pakupedzisira, zvakakosha kuyeuka kuti pane zvakawanda zvinokonzerwa nemitero kune vanhu vane kenza . Nokuchengeta nhoroondo yakanyatsonaka yezvose zviri kunze kwehomwe mari, kusanganisira kuenda kune uye kubva kuchipatara yako, unogona kuderedza zvimwe zvegore rako rekutsvaga mutero uye kuchengetedza mari.
Sources
- > Kirchhoff, A .; Kuhlthau, K .; Pajolek, H ;; et al. "Mushandi-Apihwa Health Health Insurance Coverage: Zvibereko kubva muUnhu Hwokupona Mukana weKana." Kuchengetedza Kuchengetedza muCancer . 2013; 21 (2): 377-83.
- > Nekhlyudov, L .; Walker, R .; Ziebell, R .; et al. "Zviitiko Zvokupukunyuka Kanzerwe neInishuwarenzi, Mari, uye Basa: Zvibereko Kubva Padzidzo yeMultisite." Nhoroondo dzevanoponesa kenza . 2016; 10 (6): 1104-1111.