Ukufumana i-Finance ye-IVF, i-IUI, kunye nezinye iziNyango zoLuntu
Xa usuhambe ngaphaya kwezonyango ezincinci zonyango (njenge- Clomid ), iindleko zonyango ziphakama kwaye zanda ngokukhawuleza. Isigulane sesantya-kliniki sokuzala sisebenzisa i-$ 5,000 kwiindleko ezingaphandle kwee-pocket, kunye nabancinci kulabo basebenzise imithi (malunga ne-$ 900) kunye nabanye abasebenzisa i- IVF (malunga ne-$ 20,000). Ukuba udinga umnikezeli weqanda okanye ukuxhomekeka , iindleko ziphezulu.
Bambalwa abantu abanalo hlobo lwemali elalijikelezile. Ngoko unokufumana njani unyango? Kukho iindlela ezahlukeneyo zokukhupha iindleko zonyango, kwaye enye yezo ndlela iboleke imali.
Ukugqiba ukuboleka imali ukuhlawula ukunyanga kwenzalo akufanele kube yenze isigqibo esheshayo okanye esingenangqiqo. Ngayo yonke imvakalelo edibeneyo yokukhulelwa, kulula ukwenza izigqibo zemali zangexesha elide.
Ngaloo nto uthe, zikho ezinye iindlela onokuboleka ngayo imali oyifunayo.
Ukuboleka kwiNtsapho
Ukuboleka kwintsapho inokuba yinto ekhethekileyo okanye ukhetho olubi kakhulu. Kuxhomekeke kulwalamano lwakho kunye nelungu lokutshatyalaliswa kwentsapho, kunye nekhono lakho lokuzibuyisela ngexesha elifanelekileyo.
Ngakolunye uhlangothi, ukuba kufuneka ulahlekelwe intlawulo okanye ukulibaziseka ukuyibuyisela emuva, awuyi kulahlekelwa yindlu yakho okanye uchithe ireyiti yakho. Ngakolunye uhlangothi, ukuxhatshazwa kokuboleka imali kungakhokelela ekubambisaneni kunye nokukrakra. Kwiimeko ezinzima kakhulu, kunokukuhlawula ulwalamano.
Ukuba unolwalamano oluhle kunye nosapho lwakho, kwaye ukuba unayo imali yokubolekisa, kwaye ukuba ucinga ukuba ulwalamano lwakho lunokusingatha nayiphi na ingxaki enokubangela, ke yindlela yokuqwalasela.
Unokufuna ukujonga ukuboleka i-Karma, ethi iwebhusayithi eyenza ukulandelelana imali phakathi kwabahlobo kunye nosapho:
- Ukuboleka iKarma
Ukuthatha iMali-mboleko yeMali
Ukuba unayo ikhaya lakho, unokuqwalasela ukuthabatha imali mboleko yemali. Abantu bawathatha ukulungiswa kunye nemitshato, ngoko kutheni ungathathi enye ukunyanga?
Ezinye izibonelelo kukuba zinama-APR aphantsi, kwaye unokukwazi ukunciphisa irhafu kwiindleko zenzalo. Kwakhona, ukuba unetyala elibi, usenokuba ufanelekile.
Eyona mngcipheko omkhulu kukuba ukuba uphosakele kwiintlawulo, ungalahlekelwa ngumzi wakho. Kwakhona, ukuba ufuna ukuthengisa ikhaya lakho ngaphambi kokuba uhlawule umboleko, ungagqiba uhlawula imali ebhanki.
Ukusebenzisa iikhadi zetyala
Ukuhlawula ngamakhadi-ngxowa kaninzi kubakho ukuqala kokwelashwa kwe-infertility. Iindleko zincinci zakudala zongeza, kwaye ngelixa ekuqaleni, mhlawumbi ufunayo nje ama-dollar ambalwa apha naphandle, unokuba ukhangele ukuboleka amawaka.
Ukuba kunokwenzeka, hlawula oko unakho kumakhadi wakho ekwereta phambi kokuba ungeze ngaphezu kwetyala. Ukuhlawula amakhadi, ngokukodwa ngokukhawuleza, kunokunyusa izinga lokuthenga ngetyala, okuya kukwandisa imida yakho yokuboleka kwikamva.
Nangona ngamanye amaxesha unyango lufuna ukuvela kungekudala kunexesha elizayo, akunjalo ngaso sonke isikhathi. Buza ugqirha wakho phambi kokuba unqume ukuba awunaso ixesha lokuhlawula amatyala akho akhoyo.
Ukuba unesiseko esihle sekhredithi, unokukwazi ukwenza isivumelwano kunye namakhadi akho ekwereta. Bafone uze ucele. Basenokukwazi ukukunika i-APR ephantsi ngexesha elimiselweyo, okanye ukwandisa umda wakho wemali.
Qiniseka ukuba unokukwazi ukuhlawula ityala! Hlola ukuba iintlawulo zakho zenyanga ziya kuba yintoni emva kokuba inzala ithathwa ingqalelo, ngaphambi kokuba uswayiphe amakhadi akho ukuhlawula i-IVF.
Ukukhangela iMboleko yoMntu
Ngenye indlela eyaziwa ngokuba yimali-mboleko engaqinisekanga okanye iimali-mboleko zokutyikitywa, umboleko wemali unikezelwa ngaphandle kokuqhotyoshelana nantoni na, njengendlu yakho okanye imoto. Isiqinisekiso esisodwa sebhanki sinokuthi uya kubakhokha kwakhona "sisayine yakho."
Amabhanki kunye neemanyano zemboleko zinikela ngemali mboleko. Ngokungafani namakhadi ekweretti (ezo zihlobo lwemboleko mboleko), iimali-mboleko zebhanki ezingakhuselekanga zisebenza ngokukunika imali yemali, oyibuyisela emva kwexesha.
Ukuba unekhredithi enhle, unokukwazi ukufumana inzala engcono, kodwa nangona unetyala elibi, ungacingi ukuba awufumani mboleko. Amanani omdla, nangona kunjalo, kuya kuba phezulu.
Ukuthatha iNgxowa-mali
Imboleko yemali yonyango ngamalimboleko ekhadi lokuthenga ngetyala. Amanye amakhadi enkredithi yonyango angasetyenziselwa kuphela ababoneleli abathatha inxaxheba, ngelixa abanye bengabandezeli. Zinikezelwa ngezidingo ezahlukeneyo zezokwelapha, ukusuka ekutyunjweni kwezonyango ukuya emsebenzini wamazinyo. Ezinye zingasetyenziselwa ukuhlawula unyango lwezityalo.
Akukho mboleko wonyango ongasetyenziselwa unyango lwezonyango, ngoko ke xa ukhangeleka amathuba okubolekisa imali, qiniseka ukuba ungalichitha ixesha lakho ukuzalisa iifom zemboleko abayi kuyenza.
Iimali mboleko zezokwelapha zingakhetha izinto ezintle. Enye, abaninzi banika ireyenti yepesenti ye-0 yexesha elimisiweyo. Enye inzuzo enokwenzeka kukuba ingasetyenziselwa ukuhlawula unyango, unokuba ungeyilingo elingaphantsi lokusebenzisa imali mboleko kwezinye iindleko (okuya kunciphisa ukuba ungangena njani ityala, uhlobo.)
Nangona kunjalo, funda ukushicilelwa okulungileyo kule mboleko! Ngaba uza kugwetywa ngokuhlawula ityala ekuqaleni? Yintoni eyenzekayo xa ufike emva kwe ntlawulo? Yintoni eyenzekayo xa uthatha ixesha elide ukuba ubuyisele imali mboleko ngaphezu kwexesha onayo inzala engaphantsi okanye inzala?
Kwiimeko ezininzi, ukuba uthe wabuya emva kwentlawulo okanye uthatha ixesha elide kunokuba isantya senzalo senzalo, uzakufuneka ukhokhe izinga lentengo ephezulu kungekhona nje into ekufuneka uyenze yona, kodwa nangenxa yoko sele uhlawule . Kwaye ixabiso lentengo linokuphakama kakhulu, liphezulu kunekhadi lekhredithi.
Nalu uluhlu oluthile lweenkampani ezibonelela ngemali mboleko:
Qaphela: uluhlu apha alukho ukuvuma. Imigca yemali ingabinqatshelwe ngumboneleli wezempilo kunye nendawo. Nceda uphando ngemigqaliselo nayiphi na imali mboleko ngaphambi kokuba ungene ngemvume, kwaye njalonjalo, qaphela indlela owabelana ngayo ngolwazi lwakho lwezezimali.
- MedicalFinancing.com
- Prosper Healthcare
- Qaphela
- Iqela leMali: Iingxaki zeMonde
- Ukufikelela kwiOneOne
- Ikhadi leMpilo leCiti
Kukho iinkampani eziza kuqhathanisa kwaye zihluke iimali-mboleko ezahlukeneyo zonyango kuwe, ngokuqhelekileyo umrhumo:
- eMedical Financing Solutions
Ukufumana iCliniki yeZenzalo okanye i-Consultancy Consultancy Based Loan
Ukukhula ekuthandweni yiimali-mboleko zonyango ezenza ngqo izigulana zenzalo. Basenokucetyiswa ngeklinikhi yokuzala okanye ukucebisa inzala.
Bafana neenkontileka zonyango-amakhadi enkoleko ngokukodwa kwonyango, kulo mzekelo, unyango lwezonyango. Banobuchule kunye nobutyebi obufanayo, kubandakanywa neentlawulo zenzalo ezinobungozi ezinzima zokulahleka intlawulo okanye ukuhlawulwa kwetyala ngokukhawuleza.
Ukuba iklinikhi yakho inika "isicwangciso sokuhlawula," qiniseka ukuba uyazi ukuba ungayinina. Ingaba isicwangciso sokuhlawula-kunye nenkokhelo yonyango ekwahlula ibe yinani elimisiweyo leentlawulo zenyanga-phakathi kwakho kunye neklinikhi? Okwenene, ikhadi lesikweletu okanye umbolekiso, laphulwa okanye linconywa yiklinikhi?
Imali-mboleko yokuzala eyenziwa yikliniki yakho ayinakuba yinto ekhethekileyo. Umniki-mboleko ohlukeneyo wezokwelapha angakunika inzuzo engcono, okanye unokufumana amaxabiso angcono usebenzisa amakhadi akho ekhredithi rhoqo.
Qaphela ukuba ugqirha, iklinikhi, okanye umcebisi uya kuncedisa ngemali ngemali nganye yokuboleka imali. Oku akusoloko kunjalo, kodwa kubalulekile ukwazi.
Kungenxa yokuba ugqirha wakho uthi le nto "eyimali mboleko" ongayifumana, okanye le "yinkampani enkulu omele uyikholose" ayithethi ukuba yinto . Basenokuthi bahlasele.
Nantsi enye yeenkampani ezinkulu zemboleko yokuzala:
Qaphela: Njengoko kubhaliwe ngasentla, uludwe apha alukho ukuvuma. Nceda uphando ngemigqaliselo nayiphi na imali mboleko ngaphambi kokuba ungene ngemvume, kwaye njalonjalo, qaphela indlela owabelana ngayo ngolwazi lwakho lwezezimali.
- Uxhasomali lweCapexMD lweZenzalo
Ukuboleka kwi-Retirement Fund
Ukuboleka kwi-401K, i-IRA, okanye ezinye iimali zomhlala-phantsi ziyakwenzeka ngokusebenzisa oko kuthiwa "ukukhutshwa kolukhuni" okanye "umboleko ongenakwenzeka".
Kungakhathaliseki ukuba oku kunokwenzeka okanye ingcamango efanelekileyo iya kubakho nesicwangciso sakho, ukhuseleko lwakho lomsebenzi, ukukwazi ukuyihlawula, nokuba ufuna ukutyhila umqeshi wakho ukungabikho. (Unokufuna ukubonisa ukuba unesidingo, oko kungadinga ukwabelana ngeebhanki zakho zonyango nge-HR.)
Kukho amaninzi amaninzi okuba ubolekise kwiimali zakho zokuthatha umhlalaphantsi, kubandakanywa ukuhlaselwa ngeentlawulo zokurhoxisa ezinkulu, ukufuna ukuhlawula irhafu kwiimali eziboleweyo, kwaye, ukuba ulahlekelwa ngumsebenzi wakho ngaphambi kokuhlawula umboleko, kufuneka uhlawule umboleko kumqeshi wakho. kwiintsuku ezingama-60.
Kwezinye iimeko, unako ukuboleka imali ngaphandle kokuhlawula imali okanye izigwebo. Thetha kumcebisi wezemali owaziyo ngaphambi kokuba uthathe nayiphi na imali mboleko yomhlalaphantsi, njengoko uhamba ngemimiselo yintsimi ekhohlakeleyo.
Omnye umcebisi obaluleke kakhulu ukuba wazi: nakwiimeko apho ihlawulwe intlawulo yesigwebo, iindleko zakho zifuna ukuba zenzeke ngaloo nyaka uboleke imali. Ngoko ke, ukuba uboleka imali ngo-2017 ukuhlawula ityala lekhadi lesikweletu elifunyenwe kunyango lokunyanga ngo-2016, unokuphela ukuhlawulwa, ngenxa yokuba uncedo lwezonyango aluzange lwenzeke ngonyaka wokuhoxiswa.
ILizwi elivela kwiTwellwell
Ukwenza izigqibo zezimali xa ikusasa lentsapho yakho kumgca akulula. Unokude udideke, umsindo, intlungu, kunye noloyiko njengoko uzama ukuqokelela imali oyifunayo ukuze ube nethuba lokufumana umntwana.
Abanye banokuthi awukwazi ukubeka iteksi yentengo xa unomntwana, kwaye akufanele uvumele imali okanye ityala likuyeke ukuba uphishekele unyango olufunayo. Kodwa oku kubeka ingqalelo kwimpembelelo yezemali enokuthi ibe nobudlelwane bakho, ubomi bakho bemihla ngemihla, kunye nakumava akho njengomzali omtsha (ukuba uyakholelwa.)
Ngaphezu koko, unyango lwezityalo alukho isiqinisekiso. Unokuchitha amawaka amashumi kwaye ungahambi nomntwana.
Thatha ixesha elifunekayo lokugqiba ukuba uza kululeka kangakanani, nokuba unakho ukuhlawula nayiphi na imali mboleko kwixesha elifanelekileyo, kwaye zeziphi izinto ozikhethayo ukuba awuyikukhulelwa. Akukho nto ephosakeleyo ngokuboleka imali oyifunayo ukuze uzame ukuba nomntwana, kodwa akukho nto iphosakeleyo ngokunquma ukuboleka imali kunye nokuphila okungenamntwana emva kokusweleka (okanye kungabi nakongeza kwintsapho yakho).
Ukuba unobunzima ukwenza isigqibo, okanye kubangela ukuxhatshazwa kobudlelwane bakho , khangela umcebisi . Lowo unamava ongenakunyamekela, kodwa ukuba awufumani umntu onje, ukufumana umntu onokuthetha naye kunokunceda.
> Imithombo:
> Berkson, Mindy. "Ingaba iNgxowa-mali yakho yeNgxowa-mali yomhlala-phantsi i-IVF Thy Treatment"? http://www.theafa.org/blog/can-your-retirement-count-fund-your-vf-treatment/
> Isiliva-Greenberg, uJessica. "Kwi-Vitro eFertile Niche yabathengisi." I-Wall Street Journal. http://www.wsj.com/news/articles/SB10001424052970203960804577241270123249832
> Isiliva-Greenberg, uJessica. "Xa Ugqirha Wakho Uthumela Iikhadi Zemali." IWorld Street Journal. http://www.wsj.com/news/articles/SB10001424052702304584404576440352578239090
> I-Hastings Centre (ngo-2013, ngoDisemba 9). Imali-mboleko yokuthengisa yokunyanga izityalo iphakamisa iimfuno zokuziphatha. ScienceDaily. http://www.sciencedaily.com / ukukhutshwa 2013/12/131209132516.htm
> Wu AK, Odisho AY, Washington SL 3, uKatz PP, Smith JF. "I-Out-of-Pocket Fertility Patient Expense: Iinkcukacha ezivela kwiqela elincinci leMalticenter Inspective Infertility." J Urol. 2013 Sep 7. pii: S0022-5347 (13) 05330-5. i-doi: 10.1016 / j.juro.2013.08.083. [Epub phambi kokuprinta] http://www.jurology.com/article/S0022-5347 .13)05330-5/abstract