Umdlavuza Webele Uyisongo Sezezimali Akekho Okhuluma Ngaye

-Delile

• Izindleko Ezimangalisayo Zomdlavuza Webele
• Izindleko Zikuthinta Kanjani Ukwelashwa
• Akugcini Ngokwelapha
• Yini Ongayenza?
• Buyekeza kwe-

Njengokungathi ukuthola isifo somdlavuza webele bekungethusi ngokwanele, into eyodwa okungakhulunywa ngayo cishe njengoba kufanele yiqiniso lokuthi ukwelashwa kubiza kakhulu, okuvame ukubangela umthwalo wezezimali kwabesifazane abathintekile yilesi sifo. Nakuba lokhu kungasebenza ku- noma yikuphi umdlavuza noma ukugula, kulinganiselwa ukuthi abesifazane abangu-300,000 base-US bazotholakala benomdlavuza webele ngo-2017. Futhi, umdlavuza webele uthwele umthwalo oyingqayizivele wokwakhiwa kabusha kwesifuba ngemuva kwe-mastectomy okuthi, yize kuyingxenye ebalulekile yokululama ngokomzwelo kwabesifazane abaningi, kuvame ukubiza kakhulu inqubo.

Kunzima ukukhomba ukuthi kubiza malini ukwelashwa komdlavuza webele ngokwesilinganiso ngoba kuningi okuguquguqukayo okufanele kufakwe kukho: iminyaka, isigaba somdlavuza, uhlobo lomdlavuza, kanye nokuhlinzekwa komshwalense. Kodwa iqiniso liwukuthi "ubuthi bezezimali" ngenxa yokwelashwa komdlavuza webele buvame kakhulu kunalokho okufanele kube njalo. Kungakho sikhulume nabasindile, odokotela, nalabo ababandakanyeka ezinhlanganweni ezingenzi nzuzo zomdlavuza ukuthola umthelela wezezimali wokutholakala komdlavuza webele.

Izindleko Ezimangalisayo Zomdlavuza Webele

Ucwaningo lwango-2017 olushicilelwe ku Ucwaningo Nokwelashwa Ngomdlavuza Webele kutholakale ukuthi izindleko zokwelashwa ngonyaka kowesifazane ongaphansi kweminyaka engama-45 onomdlavuza webele zingama- $ 97,486 ngaphezulu kunowesifazane oseminyakeni efanayo ngaphandle komdlavuza webele. Kwabesifazane abaneminyaka engama-45 kuya kwengama-64, izindleko ezengeziwe zaba ngama- $ 75,737 ngaphezulu uma kuqhathaniswa nabesifazane abangenawo umdlavuza webele. Abesifazane abasesifundweni babenomshuwalense, ngakho-ke babengayikhokhi yonke le mali ngaphandle kwesikhwama. Kepha njengoba noma ngubani onomshuwalense azi, kuvame ukuba nezindleko ezihambisana nokwelashwa, njengokudonswayo, ukukhokhelwa okubambisene, ongoti abangaphandle kwenethiwekhi, nezinqubo ezimbozwa kuphela ngamaphesenti angama-70 noma angama-80 wezindleko zabo ezigcwele. Uma kukhulunywa ngomdlavuza ikakhulukazi, ukwelashwa kokuhlola, imibono yesithathu, ochwepheshe abangaphandle kwesifunda, kanye nokudluliswa kokuhlolwa nokuvakashelwa odokotela ngaphandle kokufaka amakhodi omshwalense afanele kungenzeka ukuthi akuhlanganisiwe.

Ucwaningo lwakamuva olwenziwe yiPink Fund, engenzi nzuzo olunikeza usizo lwezezimali ezigulini ezithola ukwelashwa komdlavuza webele, luthole ukuthi amaphesenti angama-64 abasinde kumdlavuza webele abawahlolile akhokhe ukwelashwa okungafika ku- $ 5,000 aphuma ephaketheni; amaphesenti angu-21 akhokha phakathi kwama-$5,000 nama-$10,000; futhi amaphesenti angu-16 akhokhele ngaphezu kwama-$10,000. Uma kucatshangelwa ukuthi ngaphezu kwengxenye yabantu baseMelika banemali engaphansi kuka-$1,000 kuma-akhawunti abo okulondoloza, ngisho nalabo abasesigabeni esiphansi kakhulu esiphuma ephaketheni bangase babe ngaphansi kobunzima bezezimali ngenxa yokuxilongwa kwabo.

Manje bayithathaphi imali yokukhokhela ukwelashwa? Ucwaningo lwePink Fund luthole ukuthi amaphesenti angama-26 abeka izindleko zawo ezingaphandle kwesikhwama ekhadini lesikweletu, amaphesenti angama-47 akhiphe imali kuma-akhawunti abo okuthatha umhlalaphansi, amaphesenti angama-46 anciphise ukusetshenziswa kwemali ezintweni ezifana nokudla nezingubo, namaphesenti angama-23 andise amahora abo okusebenza ngesikhathi belashwa ngemali eyengeziwe. Ngokuzimisela. Laba besifazane basebenza Okuningi ngesikhathi sokwelashwa ukuze bakhokhele.

Izindleko Zikuthinta Kanjani Ukwelashwa

Ulungele okothusayo? Cishe ikota yesithathu yabesifazane ocwaningweni babecabanga ukweqa ingxenye yokwelashwa kwabo ngenxa yemali, kanti amaphesenti angama-41 abesifazane babika ukuthi empeleni abayilandelanga imigomo yabo yokwelashwa ngenxa yezindleko. Abanye besifazane bathathe imishanguzo yabo emincane kunalokho obekufanele bakwenze, abanye beqa izivivinyo nezinqubo ezinconyiwe, kanti abanye abakaze bagcwalise umuthi. Nakuba idatha ingatholakali yokuthi lezi zinyathelo zokonga zikuthinte kanjani ukwelashwa kwabesifazane, akekho okufanele aphikisane nohlelo lokwelashwa olunqunywe udokotela ngenxa yemali.

Akugcini Ngokwelapha

Eqinisweni, abanye baphikisa ngokuthi yilokho okwenzekayo ngemuva ukwelashwa okubeka ubungozi obukhulu ezimalini zabesifazane. Lapho ingxenye yokwelashwa elwa nomdlavuza isiphelile, abaningi abasindile kudingeka benze izinqumo ezinzima ngokuhlinzwa okwakhiwa kabusha kwamabele. "Isici sezindleko sinomthelela omkhulu esinqumweni sowesifazane sokuthola (noma ukungatholi) ukwakhiwa kabusha," kusho uMorgan Hare, umsunguli nelungu lebhodi le-AiRS Foundation, inhlangano engenzi nzuzo esiza abesifazane ekukhokheleni ukuhlinzwa kokuvuselelwa kwebele lapho bengakwazi. ikwazi ukuyikhokhela. "Noma engaba nomshwalense, owesifazane kungenzeka angabi nayo imali yokukhokhela i-co-pay, noma kungenzeka angabi nawo umshwalense nhlobo. Abesifazane abaningi abafaka isicelo sethu soxhaso basesezingeni lobuphofu futhi bangakwazi uhlangane ne-co-pay." Lokho kungenxa yokuthi ngokukaHare, intengo yokuhlinzwa okwakha kabusha isuka ku-$10,000 iye phezulu ku-$150,000, kuye ngohlobo lokwakha kabusha.Ngisho noma ukhokha ingxenye ethile yalokho ekukhokheni ngokubambisana, kungabiza kakhulu.

Kungani lokhu kuyinto enkulu kangaka? Yebo, ucwaningo lukhombise kaninginingi ukuthi "ukwakhiwa kabusha kwamabele kuyingxenye enkulu yokuzizwa selaphekile futhi kuphelele futhi emuva kokuhlinzwa komdlavuza webele," kuphawula u-Alexes Hazen, MD, umqondisi we-NYU Aesthetic Center nelungu lebhodi le-AiRS Foundation. Lokho kwenza kube yisinqumo esinzima kakhulu ukunquma ukungabi nokuhlinzwa ngezizathu zezezimali-yize kunezizathu eziningi zokungafuni ukuhlinzwa kabusha ngemuva kwe-mastectomy.

Futhi akunakushaywa indiva ukuthi kunengxenye yezempilo yengqondo yokululama umdlavuza webele. "Umdlavuza webele wayilimaza kakhulu impilo yami yengqondo," kusho uJennifer Bolstad, owayeneminyaka engama-32 lapho kutholakala ukuthi unomdlavuza webele ngo-2008. Ukugula okunamandla.Ngesikhathi wayengumelaphi ophelele kimi, wayengekho ohlelweni lwami lomshuwalense, ngakho-ke saxoxisana ngesilinganiso sehora esasingaphezu kwalokho engangikukhokha ngokuhlanganyela, kodwa okuningi, okungaphansi kakhulu kwalokho ajwayele ukukukhokhisa , "usho njalo. "Kugcine kuyingxenye ebalulekile yokululama kwami, kodwa iminyaka bekungumthwalo wezezimali kimi futhi Okwenzayo. "Ukumsiza alulame kumthelela wezezimali womdlavuza webele, uBolstad uthole isibonelelo esivela kuThe Samfund, okuyinhlangano esekela abasakhulayo abanomdlavuza njengoba belulama ngokwezimali ekwelashweni komdlavuza.

Impilo engokwengqondo nengokomzimba yabasindile nayo ingadala izinkinga emsebenzini. Inhlolo-vo efanayo ye-Pink Fund okukhulunywe ngayo ekuqaleni nayo yathola ukuthi amaphesenti angu-36 alabo abasinda ababahlola balahlekelwa umsebenzi noma abakwazanga ukuwenza ngenxa yokuwohloka kokwelashwa. "Ngenkathi ngitholwa ngo-2009, nganginemicimbi ephumelela kakhulu yokupheka kanye ne-ejensi ye-PR," kusho uMelanie Young, osinde kumdlavuza webele futhi ongumbhali Ukukhipha Izinto Esifubeni Sami: Umhlahlandlela Wabasindile Wokuhlala Ungesabi & Ubuhle Lapho Ubhekene Nomdlavuza Webele. "Ngaleso sikhathi, ngathola 'i-chemo-brain' engalindelekile, inkungu yobuchopho iziguli eziningi ezinomdlavuza ezibhekana nazo kodwa akekho okuxwayisa ngakho, okwenze kwaba nzima ukugxila, ukugxila kwezezimali, nokumisa ibhizinisi elisha." UYoung wagcina ngokuvala ibhizinisi lakhe futhi empeleni wacabanga ukufaka amafayili okuqothuka. Ummeli wakhe wamncenga ukuba axoxisane nabamkweletayo. Wenza, futhi kwamvumela ukuthi asebenzele ukukhokha izikweletu zakhe. (Kuhlobene: Izindleko Eziphezulu Zokungazali: Abesifazane Basengozini Yokuqothuka Kwengane)

Iqiniso liwukuthi, abesifazane abaningi abakwazi ukusebenza ngendlela efanayo nasesikhathini ngaphambi komdlavuza, kuchaza uYoung. "Bangase babe nokulinganiselwa ngokomzimba, amandla amancane, noma izizathu ezingokomzwelo (kuhlanganise ne-chemo-brain) noma eminye imiphumela emibi." Ngaphezu kwalokho, ukugula komuntu oyedwa ngezinye izikhathi kungase kuholele umlingani wakhe womshado noma amalungu omndeni ukuba athathe ikhefu emsebenzini-ngokuvamile angakhokhelwa-okungagcina kuholele ekutheni alahlekelwe umsebenzi ngesikhathi esidinga kakhulu.

Yini Ongayenza?

Ngokusobala, konke lokhu kunezela esimweni sezezimali esingalindelekile. Kubalulekile ukuqonda ukuthi ungazivikela kanjani, ngoba ngenkathi kunezinhlangano ezingasiza ukukhokhela ukwelashwa okufana ne-Pink Fund, i-Samfund, i-AiRS Foundation, nokuningi, kungenzeka ukuthi uzilungiselele ngokwanele ngokwezimali ukugula okungathi sína.

"Kulezi zinsuku, ngeqiniso lokuthi umuntu oyedwa kwabathathu baseMelika uzothola ukuxilongwa komdlavuza bese kuthi owesifazane oyedwa kwabayisishiyagalombili ahlolwe umdlavuza webele, isinyathelo esibaluleke kakhulu umuntu angasenza ukuthenga inqubomgomo yokukhubazeka, ikakhulukazi uma usemncane futhi usesimeni, "kuchaza uMolly MacDonald, umsunguli we-Pink Fund futhi owasinda kumdlavuza webele. Uma ungakwazi ukuyithola ngomqashi wakho, ungayithenga ngenkampani yomshwalense ezimele.

Uma ukwazi ukukukhokhela, sebenzela ukubeka imali eningi ekongeni ngangokunokwenzeka. Ngaleyo ndlela, ngeke kudingeke ungene kwizikhwama zomhlalaphansi ukukhokhela ukwelashwa noma ukuyifaka yonke ekhadini lesikweletu. Okokugcina, "qiniseka ukuthi umshwalense wakho wezempilo uqine ngendlela ongakwazi ukuyikhokhela maqondana nenkokhelo yanyanga zonke," kweluleka uMacDonald. Kungase kubonakale kuwumqondo omuhle ukuya kulolo hlelo oludonswa imali ephezulu uma ufuna ukonga imali, kodwa uma ungenayo imali oyilondolozile ongabuyela kuyo, akuyona inketho ephephe kunazo zonke. Thatha noma isiphi isinyathelo ongakwenza ukuze ulawule ngokwengeziwe uma ubhekene nokuxilongwa okungalawuleki.

Buyekeza kwe-