Uninzi Kangakanani Ukuba neNdleko Yomntwana?

Gcina Imali Xa Unomntwana

Ngoko, kuthini ukuba neendleko zentsana? Imali eninzi. Ingaba unomshuwalense wokubeletha okanye awukho, iintsana zibiza. Kukho, nangona kunjalo, iindlela zokuzigcina imali xa unesana.

Izinto oza kuziqwalasela

• Yazi ukuba i-inshurensi yakho ifaka kunye noko ingafaki.
  Uya kufuna ukufumanisa, mhlawumbi ngaphambi kokukhulelwa, oko uza kulindela ukuhlawula. Musa ukucinywa ngesitatimende esithi "yonke into" enxulumene nokubeleka ihlanganiswe. Buza imibuzo ethile. Uya kuba ne-co-pay okanye uhlawulelwe? Ngaba umntwana wakho uya kuba ne-co-pay separation? Ziziphi iinkqubo kunye neemvavanyo ezivezwe ngokukhulelwa? Ekuzalweni? Iintsana?

• Hlola isibhedlele sakho okanye ibhilidi yokuzalwa yesikhungo.
  Kukho iimpazamo ezininzi kwi-bill yakho yesibhedlele. Ukuba uhamba phezu kwebhilidi ecacileyo, nangona akudingeki uyihlawule ngaphandle kwipokoth, unokufumana iimpazamo uze uzinze. Nokuba nekampani yakho yomshuwalense igcina imali ekuncedeni yona ekupheleni kunye neeprayimari ezantsi. Imizekelo yeziphene zebhanki zezibhedlele ziquka ukuhlawulwa kabini kwiinkqubo okanye ukuhlawulwa ngemithi okanye iinkqubo ongenalo.

  Ngokomzekelo, ndalelwa ityala lokusoka xa intombi yam yazalwa; ngokuqinisekileyo wayengenaso ulwaluko. Omnye umhlobo wam wahlawuliswa kwinqanaba le- quarantine xa ebelethwe ngumfazi. Uyakuva neembali zokuhlawulwa kweepidurals okanye ezinye iyeza.

• Xubusha intengo yokunakekelwa kokubeleka kunye nekhefu lokuzalwa.
  Ukuba uhlawula ipokothini lwakho ngononophelo lokubeleka kunye nokusebenza kunye nokuhanjiswa ubone ukuba unokufumana "intsebenziswano." Ngaba uza kusindisa imali xa uhlawula yonke imali eyaziwa ngaphambi kwexesha? Ngaba baya kunikezela isaphulelo sokuya kwisibhedlele esithile okanye kwisiko lokuzalwa ? Unganqikazi ukuthenga ngeenxa zonke kumaxabiso omsebenzi wakho kunye nendawo yakho yokuzalwa. Wena ungumboleki wemveliso yabo.

• Ngaba uyayifuna loo nto?
  Xa ufumana unyango lwakho lokubeleka, unokuthi uthathe kuphela uvavanyo olwenziwe kuwe. Ngaphambi kokuba uvumelane nokuba novavanyo lwezonyango okanye inkqubo, nokuba ingaba i- amniocentesis , umsebenzi wegazi okanye i- ultrasound , qi niqiniseke ukuba ufumanisa ukuba kutheni okanye kuyiwe. Fumana imvume . Ngaba olu luvavanyo luyimfuneko ngempela? Yintoni oyithembayo okanye okulindele ukuyifumana ekuvavanyeni? Ixabiso lilingakanani? Ngaba ufuna ngokwenene uvavanyo okanye inkqubo? Unokumangalisa ngokwenene iimpendulo kuzo zonke le mibuzo.
  Omnye umama endisebenza naye wabuza udokotela wakhe malunga nokuvavanywa kwakhe. Wayenomdla kakhulu ukuba ugqirha wayecinga ukuba into ephosakeleyo ngumntwana wakhe. Yiza ukufumana ukuba ugqirha wayala bonke abantu kuba bekufumaneka. Wayengazi ukuba kubiza kangakanani kodwa xa ehlola kuyo, uvavanyo lwaluba ngu-$ 900 kwaye aluzange lugqitywe yi-inshurensi yakhe kwaye aluzange lunikeze umntwana wakhe nayiphi na inzuzo. Wenqaba ukuvavanya kunokuba athole isimanga-mali se-$ 900.

• Iivithamini zangaphantsi.
  Le yilapho abantu abaninzi bayalilibala ngayo. Ingcali yakho ingabhala isigqirha sevithamini zokubeletha. Kodwa kunqabile kakhulu ukuba udinga ukukhulelwa. Uninzi unina luhle nge-generic ngaphezu kweentlobo ezahlukeneyo. Ngaba unokwehla i-$ 25 yokuhlawula i-co-co for a vitamin?

Iingcebiso ezingaphezulu zokugcina izindleko zabasebenzi kunye nokuhanjiswa.

• Amabhinqa endleleni?
  Amawele ayingqumbo xa kuziwa kwiindleko zonyango. Ngokukhawuleza ukuba uyazi ukuba unamawele okanye ezinye iziphindaphindwe zibizela inkampani yakho yomshuwalense. Buza ukuba banokukunikezela kumphathi wecala. Oku kukuvumela ukuba ungabiza umntu omnye ukuba aphendule imibuzo yakho. Ekubeni ukukhulelwa kweziphindaphindwe kwandisa ubungozi beengxaki , nangona oko akuthethi ukuba wonke umntu uya kuba neengxaki, unokuba ukhangela i-bill enkulu. Nangona uhlawula kuphela i-10% yesikhokhelo sakho, umehluko phakathi kwe-10% yee-7,000 zama-7,000 kwi-abinini yokuzalwa ngexesha kunye neyayilwayo ye-$ 200,000 ye-NICU eyongezelelekileyo yokuhlala kwintsana engaphambi kwexesha inkulu kakhulu.

  Umphathi wakho wenkundla unokukuxelela iinkqubo ezikhethekileyo kukukunceda uhlale uphilile kwaye ukwandise iingxaki eziza kubantwana bakho kwixesha. Unako kwakhona ukuba uye kwi-gal xa ihla ukuya kuhlawulwa ngokuphindaphindiweyo ngamaxesha amaninzi okanye, ngokuqhelekileyo, ukuba iintlawulo zalelwa ukuhlawulwa ngenxa yokuba sele ihlawulwe. Cinga nje ngolu hlobo, iintsana ezimbini, ingxaki efanayo, zombini zifumana iyeza elifanayo ngosuku olufanayo. I-inshurensi yakho icinga ukuba isibhedlele ihlawula kabini kwaye iyayiphika inkokhelo yesibini. Ucinga ukuba ngubani oya kudla le bhili-mali?

• Cinga ngamanye amayeza akhoyo.
  Ngaba uyayazi ukuba ukusebenzisa umbelekazi kungabi kubiza? Oku kuyinyani nantoni yakho yomshuwalense. Iindleko zokunakekelwa kwezilwanyana zincinci yincinci yeendleko zokunyamekelwa kwamanye amagqirha, ikakhulu ngenxa yokuba zibona abafazi besichengeni kuphela kwaye abazenzi iinkqubo eziphezulu zokubeka ingozi njengamacandelo amacandelo, i- forceps , njl.

  Unokufumanisa ukuba i-inshorensi yakho iquka ezinye iintlobo zababelethisi. Inokuthi ikhuphe umongikazi oqinisekisiweyo umbelekazikazi kwenzelwa yonyango. Okanye unokubambisa bonke ababelekazi kuzo zonke iinkqubo. Thetha kubo bobabini ababelethisi oxoxisana ngazo ngeendleko zomshuwalense kunye neenkqubo zesikhokhelo kunye nenkampani yakho yomshuwalense.

• Lapho ubeletha khona kubalulekile.
  Ukuzalwa kweendawo zokuzalwa kunye nokuzalwa kwekhaya ngokuqhelekileyo kubiza ngaphantsi kokuzalwa kwezibhedlele ngezizathu ezahlukeneyo. Eyokuqala kukuba akukho migaqo yengozi ephezulu eyenziwa, oomama abaphantsi koomngcipheko kuphela banikezelwa olu khetho. Ngoko ugcina imali ngokungahlawulisi loo nto okanye imrhumo kuba ikhona xa uyenayo.

  Enye indlela enkulu iindleko zigcinwa kulezi zicwangciso ubude bokuhlala. Ngokuzalwa kwekhaya, awuyi kungena kuyo nayiphi na indawo yokuzalwa kwakho okanye ukunyamekela emva kokubakho ngaphandle kokuba kukho iingxaki ezifuna isibhedlele. Okuqhelekileyo ukuhlala kwisiko lokuzalwa ukunyamekela emva kokubeleka ngokuqhelekileyo malunga neeyure ezintandathu.

  Amanye amabhinqa kufuneka ahlawule epokothini kulolu hlobo lokuzalwa. Ungasebenzisa imali yokuchithwa kwemimoya ukuze uyifake iiplani ezininzi. Unokwenza isicwangciso sokuhlawula. Amanye amaziko kunye noogqirha baqhubeka bethintela. Nokuba i-inshurensi yakho ithi abayi kuhlawula abanye oomama baye baphumelela ekungeniseni kwi-inshurensi yabo. Kungathatha ixesha kunye namandla kummandla wakho kodwa kwanokubuyisela okunye okulungileyo. Amanye amazwe anikezele ukuhanjiswa kwezi nketho, inkampani yakho yenkampani yomshuwalense ayinakukuxelela oku okanye umntu othetha naye mhlawumbi angazi. Qiniseka ukuba ucele ugqirha wokuzalwa ekhaya okanye abantu kwiziko lokuzalwa.

• Iinkqubo zokuzalwa.
  Enye indlela yokunciphisa iindleko kukukhusela iinkqubo ezibizayo xa kunokwenzeka. Oku kungaquka i- epidural anesthesia kunye namacandelo e-cearean. Unokubuza kwakhona malunga nokukhutshwa kwangaphambili esibhedlele, zithi iiyure eziyi-24 kunokuba u-48 uzalwe ngesisu.

  Abanye abafazi baya kukhetha ukwenza oku ngoxa abanye bengenako. Iindaba ezilungileyo kukuba unokuzama ukuphepha ezi zinto kwaye utshintshe ingqondo yakho njengoko kuyimfuneko. Ngoko masithi uthathe isigqibo sokuhamba ngaphandle kwemilenze yesifo kunye nesiqingatha indlela osebenza ngayo utshintshe ingqondo yakho, unokwenza oko.

• Sebenzisa i-doula.
  Ukusebenzisa i-doula kunokukunceda unciphise imfuno yonyango lwamayeza kunye nokuncedisa ukunciphisa imfuno yeenkqubo ezithile ezibiza. Nangona uninzi lweemali ze- doula zingagqitywa yi-inshorensi, ixabiso elincinci eliphuma kwi-pocket lifanelekile kwiintsapho ezininzi. Unokuphinda ucele i-doula yesilinganisi sokuhambisa kunye nokuqhaqha, njengoko unako nabo bonke ootitshala bakho.