Iindlela zokuhlawula ngaphantsi (kunye ne-Cash) kwi-IVF Treatment

by URachel Gurevich

Ukufumana Izaphulelo, Ukuthenga Iintengo, nokufuna Uncedo Oluyimfuneko Ukukhupha iindleko ze-IVF

Iindleko ze-IVF zongeza ngokukhawuleza. Umjikelezo omnye nje ungadala ukusuka kwi $ 10,000 ukuya kwii-25,000 zama-$, kuxhomekeke kukuphi ubuchwepheshe obuthile obuyimfuneko . Olunye uphando lufumanise ukuba isibini esiphezulu sichitha i-$ 19,000 kwiindleko zangaphandle kwe-IVF. Ngomjikelezo ngamnye wongeziweyo, iindleko zabo ezingaphandle kwee-pocket zenyuka ngama-7,000.

Ukuqwalasela ukuba ezinye iibini zitshatileyo zingadinga ukufikelela kwiintsuku ezintathu ze-IVF ukuze zikhulelwe, kunye neyona nto inzima kukuba i-IVF ye-high-tech ayikho isiqinisekiso-kwanele ukwenza ukuba intloko yakho ithambile.

Unokufumana njani iindleko ezifana nalezi?

Ngaphambi kokuhamba kude ne-IVF, qwalasela izi ngcebiso ezisixhenxe ukuze wenze iindleko zithengise ngakumbi.

Funda iNkqubo Yomshuwalense Yakho Ngokucophelela

Awukwazi ukuba uyafaneleka ukuba ubuncinci benkcazo yeendleko zokunyanga kwabantwana. Uninzi lweenkampani ze-inshorensi alinomdla wokwenza le nkcazelo icace.

Musa ukucinga ukuba i-inshorensi ayiyi kukugubungela. Nangona oogqirha abaninzi bezityalo kunye neekliniki abazithathi i-inshurensi, oko akufanele kukugcine ungayifaki isicelo sokubuyisela ngokwakho. Nangona i-IVF ngokwayo ingabonakali, iinkalo ezithile zonyango lwakho lungaba.

Funda ipolisi yakho ngokucophelela-ewe, nokuba yonke into eprinta encinane akukho mntu uyakhazamisayo ukufunda. Nika ingqwalasela esondeleyo kuyo nayiphina imida yokufunwa kwemisebenzi, ngoko unako ukwenza okusemandleni akho ukuhlangabezana nemithetho yabo.

Emva kokuba ufunde ipolisi yakho yonke indlela, yambiza inkampani ngqo ukubuza imibuzo eminye.

Ukuba bayakuphika ukuba unyango olungenasifo lukhutshwe, kodwa ufunda kwipolisi yakho yokuba - ngoku, ulungele ukuphikisana.

Sebenzisa i-akhawunti yakho ye-akhawunti ye-Flexible-Money or Plan Savings

Enye inketho yokunceda ukuhlawula unyango usebenzisa i-akhawunti yokuchithwa kwe-flexible (FSA) okanye icebo lokulondoloza impilo (HSA), ukuba unayo.

Iingxelo ze-Flexible-spending are a benefit benefit, ezinikezelwa ngamashishini athile, anokuvumela ukuba ubeke eceleni isahlulo sakho sokufumana imali esetyenziswanga ngaphambili. (Ngokuqhelekileyo, iindleko zonyango ezingagqunywanga yi-inshurensi.)

Izicwangciso zokulondolozwa kwempilo, okanye ii-HSAs, enye enye indlela yokubeka eceleni imali engenayo yentlawulo yangaphambili. Unokuba unomnye ukuba ubhalisele isicwangciso senqwelo-inshorensi ephezulu.

Enye yeentlukwano ezinkulu phakathi kwe-FSA kunye ne-HSA kukuba imali efakwa kwi-FSA ayikwazi ukuqhutyelwa ngaphaya komnyaka. Ukuba awusebenzisi imali, ulahlekelwa yiyo.

Nge-HSA, imali ihamba nayo. Ukuba uthe wathwala imali ngokukhawuleza, unokufumana imali efanelekileyo yokubeka i-IVF.

Kukho umda malunga noluphi uhlobo lwezonyango lwezonyango olunokuhlawulwa kunye ne-FSA okanye i-HSA, kodwa utyando lwezityalo luhlala lubandakanywa. Thetha kumqeshi wakho ukuba ufumane okungakumbi.

I-Shop Shop kunye neNtetho

Ewe, kufuneka ukhangele ngaphezu kwezinga lokuphumelela xa ukhetha iklinikhi yokuzala . Ngokufanelekileyo, ufuna ikliniki yokuzala inokukunika unyango oluyidingayo, ngeendleko onokuzifumana.

Ungesabi ukubiza ezinye iiklinikhi uze ufumane oko anokunika khona. Kuyinto engokwemvelo ukuziva uthembekile kumgqirha oye wambona ngoku, kodwa kufuneka ubeke impilo yakho yezezimali kuqala.

Xa kuthelekiswa namaxabiso, qi ni sekise ukucela iiklinikhi ukuba zibandakanyiwe kwaye zithini. Enye ikliniki inokubonakala ibinemali ephezulu ye-IVF, kodwa ukuba iquka iindleko ze-ultrasounds kunye nomsebenzi wegazi, enye ingekho, ngoko awuyikuthelekisa iipulo kunye nama-orang.

Unokuzama ukuxoxisana neklinikhi. Ukuba ufumana intengo engcono ukusuka kwelinye iklinikhi, kodwa ukhetha enye eyabiza, unokuzama ukubona ukuba iklinikhi ofuna ukuyayihla ixabiso.

Olunye uhla lweendleko ekuqwalaselwe ngendleko zokuhamba. Ikliniki inokuba namaxabiso aphezulu, kodwa iindleko zokuhamba apho nangemuva, kwaye ilahlekelwe ngumsebenzi emsebenzini, inokuthi ilahlekise izinto ezintle.

Gcina Imali Xa Uthenga Iziyobisi

Ukusetyenziswa kweziyobisi kubangela ipesenti enkulu yeendleko ze-IVF. Ngoko kulungile ukwazi ukuba unako ukufumana izaphulelo okanye amaxabiso angcono xa wenza ucwaningo oluncinane kuqala.

Ukuthengwa kweziyobisi zakho ezivela kwi-pharmacy ekhethekileyo kukukhetha. I-DesignRx® iya kunceda uxoxisane nexabiso elihle kuwe, ukuba ulilungu. Ubulungu bukhululekile.

DesignRx Specialty Fertility Pharmacies

Enye indlela yokugcina imali kwiziyobisi zonyango kukujonga kwiiprogram ezisaphulelo kunye neenkqubo ze-mail-in-refund, ezinikezelwa ngamashishini athile amayeza.

I-EMD Serono - umenzi we-Gonal-F-unikeza iinkqubo ezimbalwa zokukunceda ukugcina kwiindleko zeziyobisi. Ezinye iinkqubo zizigulane zokuzihlawula, ngelixa ezinye zingasetyenziswa kunye ne-inshurensi. Qinisekisa ukusebenzisa isicelo kule nkqubo ngaphambi kokuba ufune ukuthenga amayeza.

Ukulondoloza kwiZonyango zonyango kunye ne-EMD Serono

Ukuqhelisa iMpilo yoBubele - umenzi weBravelle, iMenopur, i-Endometrin, kunye noNovarel-unesicwangciso sokuphuhlisa.

Cinga ngeeNkqubo zobungozi ezabiwe ngokwabiwo okanye ii-IVF

Ukukhetha ingozi ekwabelwana ngayo okanye ukubuyiselwa kwembuyekezo kwenkqubo ye-IVF inokukunceda uqokelele iindleko zakho, ukuba unyango aluphumelelanga.

Oku kubaluleke kakhulu ukuba kusebenza njani: uhlawula phambili kwimithi emininzi ye-IVF, umyinge ube mijikelezo emithathu, kodwa ingaba ngaphezulu okanye ngaphantsi kweli. Emva koko, iklinikhi okanye inxaxheba yengozi yabelana ngokubuyisela yonke into okanye inxalenye yemali ukuba ungekho umqhubi we-IVF ophumelelayo kwinani lemijikelezo oyihlawule yona ngaphambili.

Ezi nkqubo zihlala zibiza iindleko ngaphezulu komjikelezo kunokuba ungayihlawula ngaphandle kwesiqinisekiso sokubuyiselwa imali, kodwa ukwazi ukuba uya kubuyiselwa imali ukuba izinto ezingasebenziyo zingathuthuzela. Kwakhona, ukuba unyango luyaphumeleka, uya kuphinda uthathe ezinye zeemali ukubeka ekumanyeleni okanye unyango olungaphezulu, ukuba ufuna.

Iinkonzo kunye neNgxowa-mali ye-IVF Refund Programme

Cela iCash You Need

Akukho mntu uthanda ukucela imali. Kodwa ukuba unako isisu, kukho abantu ngaphandle apho banokukunceda.

Ukuba ukhetha ukugcina izinto ezingezizo, ungazama ukusebenzisa izibonelelo zoncedo. Akunakufaneka ukumboza zonke iindleko, kwaye imali yokufaka isicelo ingabiza, kodwa yinto yokukhetha.

Ukufaka isicelo kwiNkxaso yeZenzalo kunye noScholarships

Enye inokwenzeka ukucela abahlobo bakho, intsapho, kunye nentlalo yoluntu. I-Crowdfunding - ngokuyisiseko ukufumana inkxaso "kwisihlwele" -nokukunceda ukuphakamisa okanye mhlawumbi yonke imali oyifunayo kwi-IVF.

I-Crowdfunding ayilona wonke umntu, kwaye ifuna ukuba sele unesinxibelelwano esikhulu senethiwekhi. Ukunceda izakhono ezilungileyo, ngokunjalo.

Bhowula iCash You Need

Kuphela malunga nesigulane ngasinye se-IVF kufuneka ubole imali ethile ukuhlawula unyango.

Izinketho zakho zokuboleka zihamba ngaphezu kwamakhadi ekwereta. Unokucinga ngokungena kwiimali zomhlalaphantsi, ukufumana imali mboleko yemali, ukuthatha umboleko wezokwelapha, okanye ucele umama okanye ubaba imali.

Yonke inketho inezinzuzo kunye neengxaki zayo, ngoko qwalasela ngenyameko.

Qiniseka nokuba unesicwangciso sokubuyisela imali nayiphi na imali oyibolekayo. Into yokugqibela oyifunayo kukuba ulahlekelwe yimoto yakho okanye indlu yakho emva kokuba unesana.

_Imithombo:

_{Andrews, Michelle.} _{Iindlela ezi-4 zoKonga kwiiNyunithi zakho zonyango.} _{US News Health.} _{Ishicilelwe ngo-Agasti 21, 2008. http://health.usnews.com/health-news/blogs/on-health-and-money/2008/08/21/4-----------our-medical -izinyathelo}

_{Andrews, Michelle.} _{Indlela uMthetho wezeMpilo ekuchaphazela ngayo unyango lwezoNyango, iiAngxelo zeMpilo yokuSindisa.} _NPR.org. _{http://www.npr.org/blogs/health/2013/10/22/239672470/how-alth-law-will-affect-ivf-fertility-reating--alth-savings-accounts-irs}

_{I-Attain® IVF.} _{IntegraMed®.} _{http://attainfertility.com/article/ivf-costs}

_{UCharlesworth, uLiza.} _{"I-Couple Guide to In vitro Fertilization: Yonke into oyifunayo ukuze ukwazi ukukhuphula amathuba akho okuphumelela." I-Capo Press;} _{I-edition 1 (ngoMeyi 4, 2004).}

_{IiNkqubo zoLwaphulo.} _{Shady Grove Fertility.} _{http://www.shadygrovefertility.com/i-disk-medication-programs}