Ukulinganisa iiNzuzo kunye neNgcengo ye-IVF yoMngcipheko wezeMali
Iiprogram zokubuyiselwa kwe-IVF zinikeza ithuba lokuhlawula ngokugcwele okanye ngokukodwa ukuba unyango lwe-IVF aluphumelelanga. Ezi zihlandlo ngamanye amaxesha zibizwa ngokuba ngumngcipheko ohlangeneyo we-IVF, kuba ikliniki nayo ithatha ingozi yokuba kuya kufuneka ibuyisele enye okanye yonke imali.
Ngokuqhelekileyo, iphakheji yokubuyiselwa kwemali ye-IVF iya kufuna umrhumo weplati kwiimitha ezintathu ukuya ezintandathu ze-IVF, nangona kukho iinkqubo ezinikezela ngokubuyisela imali emva komjikelezo omnye.
Umrhumo weplati uhlala phantsi ngaphaya kokuya kuhlawulwa ukuba uhlawula umjikelezo ngamnye ngamnye. Nangona kunjalo, ukuba ukhulelwe emva kwesinye okanye imijikelezo emibini, unokuhlawula ngokubanzi kunokuba wawuya kuba uhlawule umjikelezo omnye ngexesha.
Iiprogram zokubuyiselwa kwembuyekezo ngamanye amaxesha ziqhutywa ziiklinikhi ngokwabo, kwaye ngamanye amaxesha zilawulwa ngumbutho wezezimali ngaphandle, oko ke unikezela ngemali ngeekliniki zokuzala.
Ukufaneleka kweNkqubo yeNgxowa-mali ye-IVF
Akunjalo nabani na ongayibhalisela inkqubo yokubuyisela i-IVF. Yonke inkqubo ineemfundo ezahlukeneyo, kwaye akunakwenzeka ukuba yamkele isicelo sakho ukuba amathuba akho okuphumelela aphantsi.
Ngokomzekelo, iinkqubo ezininzi azivumeli abafazi abangaphezu kwama-40 ukuba bathathe inxaxheba. Abanye banomgca ophantsi, njengabancinane njengama-38. Kananjalo, ukuba sele sele uhamba ngeenombolo zee-IVF ezingaphumeleli, awuvumelekanga ukufumana inkqubo yokubuyisela imali.
Ezinye iiprogram zinikeza iinkqubo zokubuyisela ii-egg donor, ezinokuzikhethela kubafazi abangama-40 nangaphezulu.
Kodwa nangenxa yale nkqubo, kufuneka uhlangabezane neziqinisekiso zokuthatha inxaxheba.
Yiyiphi iCatch?
Iiprogram zokubuyisela imali ze-IVF zivakala kakhulu. Ukuba awuphumelelanga, ufumana imali yakho! Ngoko ... yiyiphi inzuzo? Kutheni iiklinikhi ze-IVF okanye iinkqubo zemali zinikela ngenjongo enje?
Inyaniso yembandela kukuba ekubeni isibonelelo sinikezelwa kuphela kwiibinibini ezinamathuba amahle okuphumelela, abaninzi baya kuba nemizimba ngaphambi kokuba basebenzise imijikelezo yabo yesithathu okanye yesithandathu.
Kulabo abakhulelwe ngokukhawuleza, baya kuhlawula okungaphezulu kunokuba bebehlawulele imijikelezo nganye.
Kwakhona kubalulekile ukuba uqaphele ukuba nakwiiprogram "zokubuyiselwa ngokupheleleyo", awufumani yonke imali yakho.
Oku kubalulekile ukugcina engqondweni xa ukhangela imali ecatshulwa kwinkqubo yokubuyisela i-IVF. Ufuna imali eninzi ngaphezu kwelo xabiso, kwaye loo mali eyongezelelweyo ayiyi kubuyiselwa.
Imirhumo ehamba ngaphezu kweprogram yokubuyisela i-IVF ngokwayo, kwaye leyo nto inokuthi inganakunyulwa okanye ingabikho, iquka:
- Iinkqubo zangaphambi kokuhlola, kuquka umsebenzi wegazi, uhlalutyo lwesambulo, kunye nokuhlolwa komzimba
- Iindleko zokubeka iliso, kubandakanywa ukutyelela i-ofisi, umsebenzi wegazi kunye ne-ultrasounds
- Iindleko zeziyobisi zokuzala, ezinokuthi zibe ngamawaka eedola
- I-Anesthesia yokufumana iqanda
- Imirhumo yeenkqubo ezingaphezulu kwe-siseko ze-IVF, njengokwencediswa ukukhutshwa, i-ICSI, inkcubeko ye-blastocyst, i-cryopreservation
- Ukuba usebenzisa i-egg donor okanye i-surrogate, i-agency kunye nemirhumo yomthetho
- Imali yokugcina imbryo
Ezinye iiprogram zokubuyisela imali ze-IVF zihlanganisa ezinye zeemirhumo ezingentla, kodwa qiniseka ukucela inkcazo ecacileyo yento kwaye engagcinwanga phambi kokuba ubhalise.
Inqaku elibalulekileyo : Qiniseka ukuba inkqubo yokubuyisela i-IVF ichaza impumelelo njengokuthatha ikhaya umntwana ophilayo. Ezinye iiprogram zijonga ukuphumelela ukuhlolwa kokukhulelwa okulungileyo, okanye ukukhulelwa okufikelela kwinani elithile leiveki.
Oku kuthetha ukuba ulahlekile, akukho mbuyiselo. Ukuba uqiqa umjikelezo wakho wokuqala, oku kulahlekelwa yimali. Lo mngcipheko awunakuze ufanele ukuthatha.
Kutheni Ubhalisa?
Naphezu kwazo zonke ezi ziphantsi, kusekho izizathu ezifanelekileyo zokubhalisela inkqubo ye-IVF yokubuyisela imali.
Enye, ukuba awuphumelelanga, ubuncinane uya kufumana imali yakho. Oku kunokukuvumela ukuba uphishekele ukuthotyelwa, okanye ubuncinane ukuhlawula ezinye zeebhanti ozifumene ngexesha uzama ukukhulelwa.
Esinye isizathu sokubhalisa isibini sinoxolo lwengqondo. Bayaqonda ukuba banokuhlawula ngaphezulu komjikelezo kunokuba bahamba umjikelezo omnye ngexesha, kodwa bazive bebhetele ukuba bazi ukuba abaphumelelanga, abayi kushiya ngokupheleleyo.
Kwakhona, ngenxa yokuba iinkqubo zokubuyiselwa imali zifuna ukuba uthathe inxaxheba kwinani elimiselweyo lokufumana imali, ukungayeki okanye ukuphuma kwiprogram kungaphantsi.
Umzekelo, nangona uvakalelwa ukuyeka emva kokuphumelela kwenombolo yesibini yomjikelezo, unokunyusa isithathu ngenxa yokuba awufuni ukulahlekelwa yithuba lakho lokubuyisela imali. Kwaye loo mjikelo wesithathu unokuthi usebenza kuwe.
Oluthe xaxa ekunikezeni iindleko zonyango lwenzala:
- Ixabiso le-IVF lingakanani?
- Ukubeka ndawonye Isicwangciso seNkqubo seMali
- Izinketho ezibolekayo zokuhlawula ukunyangwa kwezonyango
- Izinto ezi-5 zokuqwalasela ngaphambi kokuboleka kwiNtsapho ye-IVF
- Ukufaka isicelo kwiNkxaso yeZenzalo kunye noScholarships
- I-Clinic Yokuncedisa Umzimba: Ngaba Unako Ukuphumelela Ngonyango lwe-IVF?
- Ngaba i-Crowdfunding IVF Kuwe?
- Yintoni iNgxaki yokungena kwezeMali?
- I-Crowdfunding IVF okanye i-Adoption: I-Basics
- Iingcebiso zempumelelo yeCrowdfunding ye-IVF okanye i-Adoption
- Ukuba ngabazali nge-Surrogacy
- IUI Yonyango: Iindleko, iiRhafu zeNtuthuko
- Unyango lweZonyango kunye neGonadotropins
- Uxinzelelo lwezoNyango: Ukunyamekela njani i-IVF yakho, i-IUI, okanye i-Cycle Treatment Cycle Cycle
- Indlela Yokujamelana Nokuba Uzama Ukuqonda Ukukunceda
- Ukukhetha Ukungabi Kukuphishekela unyango
Ngaba ungathanda ukufumana ukuzama ukufumana iingcebiso kunye nolwazi lokuzala nganye veki? Bhalisa kwi-newsletter ye-fertility apha!
Umthombo:
Adamson, David. "Imbuyiselo yemali ye-IVF iqinisekisa: ukulinganisa ubunzima kunye neqhinga." I- Contemporary OB / GYN. Meyi 2004. http://www.arcfertility.com/wp-content/uploads/pdf/COG1-69-05e.pdf