Okufanele Ukulindelwe Ngezindleko Zomanyolo We-Vitro
Izindleko ezilinganiselwe umjikelezo owodwa we- in vitro fertilization (IVF) ngu-$ 12,000. I-IVF eyisisekelo ingaba ngu-$ 15,000 noma ingaba ngaphansi kuka-$ 10,000. Akuvamile ukuba phansi kunalokho. Lezi zinombolo azibandakanyi izindleko zemithi, okungenzeka ibe ngaphansi kwe $ 1,500 noma ephakeme njenge $ 3,000 ngomjikelezo ngamunye.
Ucwaningo olulodwa lwacela imibhangqwana emtholampilo wokuzala ukulandelela zonke izindleko ezingaphandle kwezinyanga ezingu-18.
Lokhu kufaka phakathi lokho abakhokhela i-IVF ngokwalo, kanye nemithi nokuqapha.
Umbhangqwana ophakathi wachitha imali engu-19 234. Ngomunye umjikelezo owengeziwe, imibhangqwana isetshenziswe ngokulinganisa i $ 6955 eyengeziwe.
Ngakho-ke, ngokusho kwalolu cwaningo, uma umbhangqwana uhamba ngezinyathelo ezintathu, lokho kwanezela ku-$ 33,000 engaphezu kwezindleko zangaphandle.
Ngaphambi kokwethuka, khumbula ukuthi kunezindlela zokuthola izaphulelo futhi ukhokhele kancane i-IVF . Kunezinhlelo eziningi ze- IVF nezinhlelo zokubuyisela imali . (Okuningi ngalokhu ngezansi.)
Ngenkathi umshuwalense ungahlali njalo nge-IVF, umshuwalense wakho ungafaka ingxenye yezindleko zakho. Isibonelo, bangase bahlanganise ukuqapha, noma bangase bahlanganise ingxenye yemithi. Lokho kunganciphisa intengo kakhulu.
Buza ngaphambi kokuthi ucabange ukuthi awukwazi ukukhokhela IVF.
Ukuthola Isiqu Esivela Kliniki Yakho
Ake sithi umtholampilo wakho ukunikeza ukukhokhiswa kwentengo ye $ 13,000. Uya ku-intanethi, thola omunye umtholampilo, futhi bakutshela ukuthi bangakunika umjikelezo we $ 7,000.
Ingabe kufanele ushintshe imitholampilo?
Kufanele uthole amanani esitolo lapho ubheka ukwelashwa kwe-IVF. Cabanga kokubili ikhwalithi yomtholampilo kanye nezindleko .
Kodwa-ke, ngaphambi kokuba ufike emtholampilo ngenani eliphansi, qiniseka ukuthi uthola ukucaphuna okugcwele.
Uma imitholampilo eyodwa ikunika inani elilinganisiwe lento yonke , kanti enye imitholampilo ikutshela izindleko kuphela ngenqubo ye-IVF ngokwayo, awukwazi ukuqhathanisa izinombolo.
Uma uthola isicatshulwa, cela umtholampilo uma intengo ihlanganisa ...
- Noma yikuphi ukuhlolwa kokubeletha kokuqala kwe-IVF noma ukubonisana (umtholampilo ungadinga ukuthi uphinde uhlole izivivinyo ozitholile.)
- Ukudlulisa umlenze wokuthungatha
- Ukuqapha kwe-ultrasound nokusebenza kwegazi
- Ukuhlolwa kokukhulelwa ( umsebenzi wegazi we-hCG we-beta )
- Imithi yokuzala
- I-Cryopreservative yanoma yimiphi imibungu engaphezulu
- Imali yesitoreji yonyaka yale migungu efriziwe
- Noma yibuphi ubuchwepheshe obunokusiza obunayo obungase uwudinge , njenge- ICSI , i-PGD, ukusizwa okusizwayo, isisindo se-sperm testicular, njll.
Uma ukhetha umtholampilo kude nekhaya, ungakhohlwa ukufaka ukuhamba, ihotela, nesikhathi sokuvala izindleko zomsebenzi.
I-Mini-IVF vs. IVF egcwele
Kubalulekile futhi ukuthi ungadideli i-micro-IVF, noma i- mini-IVF , nge-IVF yokwelapha evamile .
I-Mini-IVF isebenzisa izidakamizwa ezincane zokwelapha futhi kuhilela ukuqapha kancane kwemibungu ekhulayo ngaphambi kokudluliswa.
I-Mini-IVF ibiza ngama-$ 5,000.
Kodwa-ke, i-mini-IVF ifaneleka kangcono emibhangqwaneni efuna ukuzama ukwelashwa kwe-IUI . Futhi, akuwona wonke umuntu.
Kukhona izinzuzo ku-mini-IVF ngaphandle kwezindleko.
Isibonelo, akuncane ukuholela ekukhulelweni okuningi uma kuqhathaniswa ne-IUI. Nge-IUI, awukwazi ukulawula inani lezintambo ezinokwenzeka noma imibungu eholela. Nge-mini-IVF, ungakhetha ukudlulisa umbungu owodwa.
Ngalokho kusho, amazinga okuphumelela we-mini-IVF ayikacaci. I-Mini-IVF ingase ibe ngcono kune-IUI, kodwa uma udinga ngempela i-IVF egcwele, kungase kungabi yindlela yokwelashwa engcono kakhulu kuwe.
Izindleko ezengeziwe zezinketho ze-IVF
Yize i-IVF eyisisekelo idinga cishe u-$ 12,000, uma udinga ubuchwepheshe obuningi bokusiza bokuzala, izindleko ziyoba ngaphezulu.
Isibonelo, ukwelashwa kwe- ICSI (lapho isidoda esisodwa singene khona ngokuqondile eqanda) singase sibe ngu-$ 1,000 kuya ku-2,500.
I-PGD, ukuhlolwa kofuzo kwemibungu, kungenzeka ibe ngu-$ 3,000 noma ngaphezulu. Kungase kube ngaphansi kwe-$ 1,800 noma ngaphezulu njenge $ 7,500.
I-embryo epholile, kuhlanganise nokuqanda kokuqala kanye nokugcina, ingadla ambalwa ambalwa kuma-dollar angamakhulu amaningana.
Isamba semali yokugcina isitoreji uhla kusukela ku-$ 200 kuya ku-$ 800 ngonyaka.
Uma unemibungu efriziwe kusukela emjikelezweni odlule futhi ufuna ukuyisebenzisa, ukwenza kanjalo kuyabiza kakhulu kunokwenza umjikelezo ophelele we-IVF nemibungu emisha.
Izindleko ezilinganiselwe zokudluliswa kwe-embrying frozen (FET) cishe zi-$ 3,000 - $ 5,000.
Uma uhlela ekusebenziseni ama-egg donor , izindleko jikelele zizophakama kakhulu-kusuka ku-$ 25,000 kuya ku-30,000 emjikelezweni owodwa.
Ukusebenzisa umnikezeli wesilisa kungabizi kakhulu, kubiza noma yikuphi kusuka ku-$ 200 kuya ku-$ 3,000 eyengeziwe, noma phakathi kuka-$ 13,000 no-$ 17,000 umjikelezo we-IVF.
Ukuzihlola kuyona ebiza kakhulu kunazo zonke izinketho ze-IVF. Uma ufaka zonke izimali zomthetho, izimali ze-ejensi, izindleko ze-IVF, nokukhokha kumuntu ongenayo, izindleko zingahle zibe phakathi kuka-$ 50,000 kuya ku-$ 100,000.
Ukunikezwa kombungu kungabiza okungenani okukhethwa kukho okunikezwayo. Ngokuvamile eshibhile kunomjikelezo we-IVF ovamile.
Umjikelezo womnikelo wombungu ubiza noma yikuphi phakathi kuka- $ 5,000 no-$ 7,000. Lokhu kucabanga ukuthi umbungu usuvele udalwe. (Ngokuphambene nokukhetha ama-egg donor kanye nomnikezeli wesilisa futhi ube nombungu owadala ngqo umjikelezo wakho, okungaba kubi kakhulu.)
Ungazikhokhela kanjani i-IVF?
Imitholampilo eminingi yokuzala inika izinhlelo zokukhokha ukusiza ukwenza ukwelashwa kwe-IVF kungabizi kakhulu. Ungabhali i-IVF ngaphambi kokukhuluma nomtholampilo wakho mayelana nezinketho zakho.
Ngenkathi ukufaniswa kwamanani kuqakathekile uma ukhetha umtholampilo wokuzala, kufanele ucabangele nemiphumela yabo yokuphumelela . Uma umtholampilo we-IVF unomthamo ophansi kakhulu, kodwa amazinga abo okuphumelela aphansi kanti imijikelezo eminingi ingadingeka, bese ukhetha imitholampilo engabizi.
Kukhona nezinhlelo zokubuyiselwa imali , lapho ukhokhela khona imali ebekiwe, ngokuvamile ephakathi kuka-$ 20,000 no-$ 30,000. Umtholampilo uzobuyisela ingxenye yakho imali uma ungakhulelwa emva kwemijikelezo emithathu yokwelapha emine noma emine. Akuwona wonke umbhangqwana ofanelekayo, futhi imigomo iyahluka kusuka emtholampilo kuya emtholampilo.
Kunezinzuzo nezinkinga zokubuyisela izinhlelo. Ngenxa yezinhlelo, uma ungakhulelwa, uzobuya okungenani ingxenye yezindleko zakho. (Ngeke uthole imbuyiselo yemithi, ngakho akusiyo imali ebuyisiwe.) Futhi, uma udinga yonke imijikelezo emithathu noma emine ukukhulelwa, ungase ukhokhe umjikelezo omncane kunayo yonke uma ukhokha njengoba uhamba.
Ngakolunye uhlangothi, uma ukhulelwa emjikelezweni wakho wokuqala, uzobe ukhokhe okuningi kunesidingo. Izinhlelo eziningi zokubuyiselwa imali ngeke zikwamukele uma zicabanga ukuthi awukwazi ukukhulelwa masinyane.
Ezinye izinketho zokukhokha ukwelashwa kwe-IVF zihlanganisa:
- Umshwalense (ezinye izinhlelo zihlanganisa ingxenye noma yonke i-IVF, nakuba kungavamile)
- Ukusebenzisa i-akhawunti eguquguqukayo-yokusebenzisa imali (i-FSA) noma i-plan yokulondoloza impilo (HSA)
- Ukukhipha imali yezokwelapha, ezomuntu, noma ekhaya
- Ukuboleka imali yakho yokuthatha umhlalaphansi (izintela ezengeziwe noma izinhlawulo zingase zihileleke)
- Ukusebenzisa amakhadi esikweletu
- Ukuboleka izimali ezivela emndenini
- Ukufaka isicelo sesibonelelo
- Isikweleti
Izwi elivela ku-Verywell
Ukuba nodokotela kunconywa ukwelashwa kwe-IVF kungabangela ukucindezeleka ngokomzwelo. Engeza phezulu kwalokho ukuletha imali ngokweqile, futhi ungase uzizwe ukhululekile. Izindleko ze-IVF yinkinga eyodwa yokuthola ukwelashwa kwemindeni eminingi.
Ungesabi ukuthatha isikhathi sakho sokunquma ukuthi ukwelashwa kwe-IVF ungayithola yini, futhi ubheke kuzo zonke izinketho zakho zokukhokha. Ungase uzizwe ulingeka ukuba nje ungene futhi "uhlole" ukuthi uzokhokha kanjani kamuva, kodwa lokhu kungaholela enkingeni enkulu yezezimali. Yenza uhlelo lokuthi uzosindisa kanjani, unqume emuva, noma ubuyisele noma yiziphi izimali ozibolekayo.
Futhi, khumbula ukuthi kuhle ukukhetha ukungaphishekeli IVF. Awukho ngaphansi kwesibopho sokumemezela ukukhokha ngaphambi kokunquma ukuthi usufinyelele umkhawulo wakho. Kunezizathu eziningi ezingavumelekile ukuthi ungaqhubeki ngezidakamizwa zokuzala , futhi ugweme isikweletu (noma ukugwema isikweletu esikhulu) ungomunye wazo.
Imithombo:
Izindleko ze-IVF e-Advanced Fertility Centre yaseChicago. Isikhungo Sokuzala Isikhathi Esizayo saseChicago.
Izindleko zokwelashwa okungenasifo. Sula.
Wu AK, Odisho AY, Washington SL 3, uKatz PP, Smith JF. "I-Out-of-Pocket Fertility Izindleko zesineke: Idatha evela ku-Multiticenter Prospective Infertility Cohort. "U- Urol. 2013 Sep 7. pii: S0022-5347 (13) 05330-5. doi: 10.1016 / j.juro.2013.08.083. [I-Epub ngaphambi kokuphrinta]