Ungawukhokhela kanjani umuthi omusha we-RRMS

-Delile

• 1. Uma ungenawo umshuwalense wezempilo, thatha izinyathelo zokuthola umshwalense
• 2. Qonda futhi uthole okuningi emshwalense wakho wezempilo
• 3. Khuluma nodokotela wakho wezinzwa we-MS ukusiza ukuthola ukutholakala komshuwalense ekwelashweni kwakho kwe-RRMS
• 4. Xhumana nezinhlelo zosizo lwezezimali
• 5. Bamba iqhaza ezivivinyweni zokwelashwa ze-MS
• 6. Cabanga ngokuthola imali ngobuningi
• 7. Phatha izimali zakho
• Ukuthatha

Izindlela zokwelapha eziguqula izifo zokubuyiselwa emuva kwe-multiple sclerosis (RRMS) ziyasebenza ekubambezeleni ukuqala kokukhubazeka. Kepha le mithi ingabiza ngaphandle komshwalense.

Izifundo zilinganisela ukuthi izindleko zaminyaka yonke zokwelashwa kwe-MS yesizukulwane sokuqala zikhuphukile zisuka ku- $ 8,000 ngawo-1990 ziye ngaphezu kwama- $ 60,000 namuhla. Futhi, ukuhamba ezinkingeni zokutholakala komshuwalense kungaba yinselele.

Ukukusiza ugcine ukuzinza kwezezimali ngenkathi uzivumelanisa nokugula okungamahlalakhona njenge-MS, nazi izindlela eziyisikhombisa zikakhonkolo nezobuciko zokukhokhela umuthi omusha we-RRMS.

1. Uma ungenawo umshuwalense wezempilo, thatha izinyathelo zokuthola umshwalense

Abaqashi abaningi noma amabhizinisi amakhulu ahlinzeka ngemishwalense yezempilo. Uma lokhu kungenjalo kuwe, vakashela i-carecare.gov ukuze ubone izinketho zakho. Ngenkathi umnqamulajuqu wokubhaliswa kokufakwa kwezempilo wezi-2017 kwakunguJanuwari 31, 2017, usengafanelekela isikhathi sokubhalisa esikhethekile noma iMedicaid noma uHlelo Lomshuwalense Wezempilo Wezingane (CHIP).

2. Qonda futhi uthole okuningi emshwalense wakho wezempilo

Lokhu kusho ukubuyekeza uhlelo lwakho lwezempilo ukuze uqonde izinzuzo zakho, kanye nemikhawulo yezinhlelo. Izinkampani eziningi zomshuwalense ziye zathanda amakhemisi, zimboza izidakamizwa ezithile, zisebenzisa ama-tioy copered, futhi zisebenzisa eminye imikhawulo.

INational Multiple Sclerosis Society ihlanganise umhlahlandlela owusizo ezinhlotsheni ezahlukene zomshuwalense, kanye nezinsizakusebenza zalabo abangaqinisekisiwe noma abangaqinisekisiwe.

3. Khuluma nodokotela wakho wezinzwa we-MS ukusiza ukuthola ukutholakala komshuwalense ekwelashweni kwakho kwe-RRMS

Odokotela bangathumela ukugunyazwa kwangaphambili kokunikeza izizathu zezokwelapha ukuze uthole ukwelashwa okuthile. Lokhu kwandisa amathuba okuthi inkampani yakho yomshuwalense izobhekelela ukwelashwa. Ngaphezu kwalokho, khuluma nabaxhumanisi esikhungweni sakho se-MS ukuqonda ukuthi umshwalense wakho uthini futhi awuhlanganisi ukuze ungamangali ngezindleko zakho zempilo.

4. Xhumana nezinhlelo zosizo lwezezimali

INational Multiple Sclerosis Society ihlanganise uhlu lwezinhlelo zokusiza abenzi bemithi ngayinye ye-MS. Ngaphezu kwalokho, iqembu lamatilosi e-MS avela emphakathini angaphendula imibuzo ethile. Bangasiza futhi ngezinguquko kunqubomgomo yomshuwalense, ukuthola uhlelo oluhlukile lomshuwalense, ukumboza ama-copayments, nezinye izidingo zezezimali.

5. Bamba iqhaza ezivivinyweni zokwelashwa ze-MS

Labo ababamba iqhaza ezivivinyweni zokwelashwa basiza ukwelashwa kwe-MS, futhi imvamisa bathola ukwelashwa mahhala.

Kunezinhlobonhlobo zezilingo zomtholampilo. Ukuhlolwa kokubuka kunikeza ukwelashwa kwe-MS ngenkathi kuqapha ababambiqhaza ngokuhlolwa okwengeziwe kokuxilongwa.

Izilingo ezingahleliwe zinganikeza ukwelashwa okusebenzayo okungakavunyelwa yi-U.S. Food and Drug Administration (FDA). Kepha kunethuba lokuthi obambe iqhaza angathola i-placebo noma isidakamizwa esidala se-MS esigunyazwe yi-FDA.

Kubalulekile ukuqonda izinzuzo nezingozi zokubamba iqhaza esivivinyweni somtholampilo, ikakhulukazi ekwelashweni okungakavunyelwa.

Buza udokotela wakho mayelana nokuhlolwa kwemitholampilo endaweni yakho, noma wenze ucwaningo lwakho ku-intanethi. INational Multiple Sclerosis Society inohlu lwezilingo zokwelashwa ezenziwa ezweni lonke.

6. Cabanga ngokuthola imali ngobuningi

Abantu abaningi abanezikweletu eziphezulu zezokwelapha baphendukele ekubuyiselweni kwemali yabantu ukuze bathole usizo. Yize lokhu kudinga amakhono wokumaketha, indaba ephoqelelayo, nenhlanhla ethile, akuyona indlela engenangqondo uma ezinye izinketho zingatholakali. Bheka i-YouCaring, isiza sokubuyiselwa kwemali ezweni lonke.

7. Phatha izimali zakho

Ngokuhlela okuhle, ukuxilongwa kwe-MS noma esinye isimo sezokwelapha esingalapheki akufanele kubangele ukungaqiniseki okungazelelwe kwezezimali. Sebenzisa leli thuba ukuqala kabusha ngokwezimali. Yenza i-aphoyintimenti nomhleli wezimali, futhi uqonde indima yokudonswa kwezokwelapha ekubuyiseleni intela.

Uma uthola ukukhubazeka okukhulu ngenxa ye-MS, khuluma nodokotela wakho mayelana nokufaka isicelo somshuwalense wokukhubazeka kwezenhlalakahle.

Ukuthatha

Ungavumeli ezezimali zikuvimbe ekutholeni ukwelashwa kwe-MS okulungele wena. Ukukhuluma ne-MS neurologist yakho kuyisinyathelo sokuqala esihle kakhulu. Imvamisa banokufinyelela kuzinsizakusebenza ezibalulekile futhi bangakumela ngempumelelo yakho kunamanye amalungu amaningi ethimba lakho lokunakekela.

Thatha umthwalo wemali yakho, futhi wazi ukuthi kungenzeka ukuthi uphile impilo ezuzisayo nezimele ngokwezezimali yize une-MS.

Ukudalulwa: Ngesikhathi sokushicilelwa, umbhali akanabo ubudlelwano bezezimali nabakhiqizi bezokwelapha ze-MS.