Nabani na ofumana ubudlolo, ukuchaphazeleka ngokweemvakalelo kunokuziva kungenakwenzeka. Kodwa icala lezemali linzima ukuliqonda. Umyinge weendleko zomjikelo omnye we-IVF (in vitro fertilization) unokusukela phakathi kwe-,000 ukuya kwi-15,000 yeedola kunye neendleko zamayeza ezongezeleleka ukuya kutsho kwi-,000 eyongezelelweyo ukuya kwi-10,000 yeedola ngokuxhomekeke kuhlobo kunye nemali emiselweyo, ngokutsho kukaPeter Nieves, igosa eliyintloko lezorhwebo WINFERtility .
Ke, yimalini isibini esiphakathi esiphela sikhupha i-IVF kwaye unokwenza ntoni ukuphelisa ithegi yexabiso eliphakamileyo? Sacela iingcali ezininzi zokuchuma ukuba zihambe nathi kuyo.
Okokuqala, Lithini Iindleko ze-IVF?
Njengoko sitshilo ngasentla, ixabiso le-IVF lisuka kwi-12,000 yeedola ukuya kwi-15,000 yeedola ngomjikelo we-IVF, kwaye ngamayeza, loo mali inokongeza ukuya kuthi ga kwi-16,000 yeedola ukuya kwi-25,000 yeedola ngomjikelo ngamnye. Umjikelo uchazwa njengokubuyiswa kweqanda elinye kunye nazo zonke iimbumba eziphuma kolo kufunyanwa. Iindleko zinokunyuka ngakumbi ukuba ukhetha ukongezwa okuqhelekileyo, okufana novavanyo lwemfuza ye-embryos-ukuya kumawaka eedola.
Uninzi lwabasetyhini bahamba kwimijikelo emithathu ye-IVF ngaphambi kokuba bakhulelwe, kodwa abanye abaninzi bafuna ukuya kuthi ga kwimijikelo emithandathu, funda ipapashwe kwi Ijenali yoMbutho wezoNyango waseMelika. Oku kuyadibanisa, okunokubeka uxinzelelo kwizibini ukuba zifake ngaphezu kwe-embryo enye kumjikelo ukuze kwandiswe izinga lempumelelo yabo (enokukhokelela ekuzalweni kwabantu abaninzi, ngokweklinikhi yaseMayo ).
Kodwa kukho iindleko ezingakumbi ekufuneka ziqwalaselwe, utshilo uNieves. Esinye sezizathu kukuba, uhambo lusenokufuneka ukuze ufumane unyango. Kwaye abanye abantu kusenokufuneka bathathe ikhefu emsebenzini nto leyo enokukhokelela ekuphulukaneni nomvuzo. Ngokuxhomekeke kwimingeni ekhethekileyo yokuzala yesigulane kunye neqabane labo, indlela yonyango, amayeza amiselweyo kunye neendleko zinokuhluka kakhulu, utsho uNieves.
I-inshurensi nayo idlala indima enkulu. Iindleko ezihlala zingahoywa zisenokuba ziindleko ezingaqukwanga phantsi kwenkqubo yenzuzo yomqeshi, njengababoneleli abangaphandle kwenethiwekhi okanye izibonelelo. Uya kufuna ukuqiniseka ukuba uqinisekise inzuzo kunye nesimo sothungelwano lomnikezeli, kunye nendlela ukwabelana kweendleko ngaphakathi kweenzuzo ezisebenzayo, yintoni i-copays oya kufuneka uyihlawule, nayiphi na imali ye-coinsurance kunye ne-deductibles. Kwanokuba i-inshorensi ihlawula inxalenye ethile kuphela, oko kunokunciphisa kakhulu iindleko.
Ungasifumana njani iQuote yoNyango lwe-IVF ngaphambi kokuba uqalise
Phambi kokuba uqhubele phambili nge-IVF, elona nyathelo lokuqala, xa sithetha ngemali, kukufikelela kwi-HR yakho kunye nesebe leebhenefithi malunga nezibonelelo ezikhoyo kunye nokuba zibandakanya ntoni na. Iindleko zokuchuma zinokubiza kakhulu kwaye ngokunyuka abaqeshi baphumeza iinkqubo zokunceda abasebenzi ngokuhlawulela ezi nkqubo, uNieves uyacacisa. Abaqeshi abaninzi bakwazisa iinkampani zolawulo lokuchuma ukubonelela abongikazi abaqeqeshelwe ukuchuma ukuxhasa isigulana kunye neqabane njengoko befumana ugqirha kunye nokubalungiselela uhambo lwabo kunye nokubaxhasa kulo lonke.
Ukuba i-IVF igutyungelwe (nangona inxenye) uya kufuna ukubuza umboneleli wakho we-inshurensi malunga neenkcukacha. Umzekelo:
• Zingaphi iindibano zothethwano ezifunyenweyo? (Ulwazi oluluncedo ukuba ufuna ukuthetha ngezicwangciso zonyango kunye neentlobo ngeentlobo zeekliniki phambi kokuba uqhubele phambili.)
• Kuthekani ngovavanyo lokuxilonga? (Nge-IVF, kukho umsebenzi omncinci wegazi kunye nokujongwa kwe-ultrasound efunekayo kuyo yonke indawo-nokuba ukubuyiswa kokwenene akugqunywanga, kuyafaneleka ukufumanisa ukuba ezinye iinkalo zenkqubo zikhona.)
• Ngaba amayeza ayasebenza? (Kwakhona, nokuba inkqubo ye-IVF ayiyonto i-inshurensi yakho enokunceda ngayo, amayeza angawela kudidi olwahlukileyo. Kufanelekile ukubuza.)
• Ingaba ikhona ikepusi yokhuselo? (Ukuba i-IVF ihlawulwe, ngaba kukho i-cut-off okanye isixa-mali sedola malunga nokuba yimalini i-inshurensi yakho eya kukubuyisela ngayo?)
• Loluphi unyango olubandakanywayo? Kwaye ngaba kukho ixesha lokulinda ngaphambi kokuba ufanelekele i-IVF? (Ingaba i-IUI—Intrauterine Insemination-yinkqubo ekufuneka uyiphonononge kuqala? Ngaba kufuneka unikezele ngamaxwebhu exesha elichithwe uzama ukukhulelwa? Uya kufuna ukubuza.)
Ukuba umqeshi wakho akaboneleli nge-coverage, kulapho kuya kufuneka wenze imephu yeendleko njengenxalenye yohlahlo lwabiwo-mali lwakho. Ngokufikeleleka, ungabhatala epokothweni, kodwa ungasebenzisa amakhadi okuthenga ngetyala okanye uthethe nombolekisi okhoyo obonelela ngeemali-mboleko kwizibini kunye nabangatshatanga abafuna ukuqala usapho. Ezinye iiklinikhi zide zibonelele ngezicwangciso zenyanga ezingenanzala.
Ayingabo bonke abaBoneleli be-inshorensi abenziwe ngokulinganayo
Umtyholi kwiinkcukacha zemali, uchaza uGqr. Peter Klatsky, ingcali yokuchuma kunye nomseki we Ukuchuma kweNtwasahlobo . Sifumene ukuba ngelixa ii-inshurensi ezikhethekileyo ezifana neProgyny kunye neCarrot zikwazi ukulawula amava akhethekileyo kwizigulana zethu, iinkampani ezininzi ze-inshurensi zorhwebo zemveli ziyasokola ukubonelela izigulana zethu ngolwazi oluchanekileyo malunga nokhuseleko.
Oku kubangelwa ikakhulu kukungaqhelani nokungachumi, uKlatsky wongeza. Izigulana ezixelelwe ukuba zinokhuselo lwe-IVF olunesisa ziyamangaliswa kukufumana iimali ezinkulu ezitsalwayo, i-coinsurance kunye neemfuno zokuhlawula ngokubambisana, okanye zifumanise ukuba azibandakanywanga kwiinkonzo ezahlukeneyo. Iintloko ezibuhlungu kunye neentliziyo ezibuhlungu ezibangelwa zizigulane zethu ngonxibelelwano kunye neenkampani zabo ze-inshurensi zongeza uxinzelelo olungeyomfuneko kwixesha elinzima kwaye esele linoxinzelelo. Yiyo loo nto kukho ukubaluleka kokuxhomekeka kuye nabani na onokuba ngummeli wakho wezezimali ngeli xesha, uyachaza. (Spring, umzekelo, uneqela elizinikeleyo elijongene nokujonga iinzuzo zokujonga ngokusebenzisa abathwali be-inshurensi yorhwebo.) Kufanelekile ukubuza inkampani yakho ye-inshurensi okanye iklinikhi ukuba babonelela ngendlela efanayo ukukunceda ukuba uhambe kwicala lezemali lenkqubo.
ENXULUMENEYO: I-COVID-19 ayilumisanga nje uhambo lwam lwe-IVF kodwa indenze ndacinga ngayo yonke into malunga nayo
