Izindlela Zokukhokha Okuncane (futhi uthole i-Cash) ye-IVF Treatment

by URachel Gurevich

Ukuthola Izaphulelo, Ukuthengwa Kwezindleko, Nokufuna Usizo Oluyimfihlo Ukumboza Izindleko ze-IVF

I-IVF izindleko zengeza ngokushesha. Umjikelezo owodwa nje ungadala noma yikuphi kusuka ku-$ 10,000 ukuya ku-$ 25,000, kuye ngokuthi yiziphi i- IVF zobuchwepheshe obudingayo . Ucwaningo olulodwa lwathola ukuthi umbhangqwana ophakathi wachitha imali engu-19,000 kuma-IVF izindleko zangaphandle. Ngomjikelezo ngamunye owengeziwe, izindleko zabo ezingaphandle kwezezikhwama zenyuka ngama-dollar angu-7,000.

Ukucabangela ukuthi imibhangqwana ethile ingadinga imijikelezo ye-IVF emithathu ukuze ikhulelwe, kanye neqiniso elibi lokuthi ngisho ne-IVF ephakeme kakhulu ayikho isiqiniseko - kukwanele ukwenza ikhanda lakho lihlume.

Ungazikhokhela kanjani izindleko ezinjengalezi?

Ngaphambi kokuba uhambe nge-IVF, cabangela lezi zeluleko eziyisikhombisa zokwenza izindleko zingabizi kakhulu.

Funda uhlelo lwakho lomshuwalense ngokucophelela

Ungase ungaqapheli ukuthi ufanelekile ukutholakala okungenani okuyingxenye yezindleko zokwelashwa okungenasifo. Izinkampani eziningi zomshuwalense azifisi ukwenza lolu lwazi lucacile.

Ungacabangi ukuthi umshuwalense ngeke ukumboze. Ngenkathi odokotela abaningi bezobeletha nemitholampilo bengathathi umshuwalense, lokho akufanele kukugcine ungafaka isicelo sokubuyisela ngokwakho. Ngisho noma i-IVF ngokwayo ingabonakali, izici ezithile zokwelashwa kwakho kungenzeka.

Funda inqubomgomo yakho ngokucophelela - yebo, ngisho nalokho konke ukuphrinta okuncane akekho owake wakhathaza ukufunda. Hlala uqaphele kunoma yimiphi imingcele yezidingo zokufaka, ukuze wenze okusemandleni akho ukuhlangabezana nemithetho yabo.

Uma usufunde inqubomgomo yakho yonke indlela, shayela inkampani ngokuqondile ukubuza imibuzo eningi.

Uma bephika ukuthi ukwelashwa kokungabikho komzimba kuhlanganisiwe, kodwa ufunda ngenqubomgomo yakho ukuthi - kahle, manje usulungele ukuphikisana.

Sebenzisa i-Akhawunti Yakho Ye-Flexible-Spending noma Uhlelo Lokulondoloza Impilo

Enye indlela yokusiza ukukhokhela ukwelashwa usebenzisa i-akhawunti eguquguqukayo-yokusebenzisa imali (FSA) noma uhlelo lokulondoloza impilo (HSA), uma unalo.

Ama-akhawunti athile-okusetshenziselwa ukuguquguquka yizinzuzo zomsebenzi, ezinikezwe izinkampani ezithile, ezikuvumela ukuba ubeke eceleni ingxenye yengeniso yakho engakakhokhiswa ngaphambi kokusetshenziswa okhethekile okukhethiwe. (Ngokuvamile, izindleko zezokwelapha ezingekho emshuwalense.)

Izinhlelo zokulondoloza impilo, noma i-HSAs, enye enye indlela yokubeka eceleni imali engenayo yentela ngaphambi kwezindleko zezokwelapha. Ungaba neyodwa uma ubhalisele uhlelo oluphezulu lokushuwalula umshwalense.

Omunye umehluko omkhulu phakathi kwe-FSA ne-HSA ukuthi izimali ezifakwa kwi-FSA azikwazi ukuqhutshwa minyaka yonke. Uma ungasebenzisi izimali, ulahlekelwa yizo.

Nge-HSA, izimali zithwala. Uma ngabe uphethe izimali esikhathini esithile, ungase ube nemali enhle yokufaka i-IVF.

Kungase kube nemingcele kulokho izinhlobo zezokwelashwa ezingakhokhwa nge-FSA noma i-HSA, kodwa ukwelashwa kokubeletha kuvame ukufakwa. Khuluma nomqashi wakho ukuthola okwengeziwe.

Thenga Thenga ikhadi lesipho Thenga isikweletu se-Google Play

Yebo, kufanele ubheke ngaphezulu kwamazinga okuphumelela uma ukhetha imitholampilo yokuzala . Ngokufanelekile, ufuna umtholampilo wokuzala ongakunikeza ukwelashwa okudingayo, ngezindleko ongazikhokhela.

Ungesabi ukubiza ezinye imitholampilo bese uthola ukuthi banganikeza. Kungokwemvelo ukuzizwa uqotho kudokotela obonile manje, kodwa udinga ukubeka kuqala impilo yezimali yomndeni wakho.

Uma uqhathanisa amanani, qiniseka ukuthi ubuza imitholampilo ukuthi ifakiwe nokuthi yini engekho. Omtholampilo owodwa ungabonakala unemali ephakeme ye-IVF, kodwa uma kuhlanganisa izindleko ze-ultrasounds nokusebenza kwegazi, kanti enye engekho, ke awuqhathanisi ama-apula kuma-oranges.

Ungazama futhi ukuxoxisana nomtholampilo. Uma uthola intengo engcono kusuka komunye umtholampilo, kodwa ukhethe okubiza kakhulu, ungazama ukubona ukuthi umtholampilo oyifunayo uzokwehla ngentengo.

Esinye isici sezindleko okufanele sicatshangelwe yizindleko zokuhamba. Umtholampilo ungase ube nezintengo ezinkulu, kodwa izindleko zokuhamba lapho futhi emuva, futhi ulahlekelwe isikhathi emsebenzini, kalula unganaki izinzuzo.

Londoloza Imali Lapho Uthenga Izidakamizwa Zokwelapha

Imithi yokwelapha yakha amaphesenti amakhulu wezindleko ze-IVF jikelele. Ngakho-ke kuhle ukwazi ukuthi ungathola izaphulelo noma amanani angcono uma wenza ucwaningo oluthile kuqala.

Ukuthenga izidakamizwa zakho zokuzala kusuka ekhemisi ekhethekile kuyindlela yokukhetha. I-DesignRx® izosiza ukuxoxisana ngentengo engcono kakhulu kuwe, uma uyilungu. Ubulungu bukhululekile.

DesignRx Specialty Fertility Pharmacies

Enye indlela yokulondoloza imali emithini yemithi yokwelapha ukubuka izinhlelo zokunciphisa kanye nezinhlelo ze-mail-in-refund, ezinikezwe izinkampani ezithile zokwelapha.

I-EMD Serono - umenzi we-Gonal-F - unikeza izinhlelo ezimbalwa ukukusiza ukuthi ulondoloze izindleko zemithi yokuzala. Ezinye izinhlelo zenzelwa iziguli ezizikhokhela, kanti ezinye zingasetshenziswa kanye nomshuwalense. Qinisekisa ukusebenzisa isicelo ngaphambi kokuba udinga ukuthenga imithi.

Ukulondoloza ukwelashwa kwesibeletho nge-EMD Serono

I-Ferring Health Production - umenzi weBravelle, Menopur, Endometrin, neNovarel - naye unesiphelo sesaphulelo.

Cabanga ngoHlelo Lwabelwe Ngengozi noma I-IVF Refund Programs

Ukukhetha ingozi okwabelwana ngayo noma ukubuyiselwa kwemali Uhlelo lwe-IVF lungakusiza ukubuyisela izindleko zakho, uma ukwelashwa kungaphumeleli.

Lokhu ngokuyinhloko ukuthi kusebenza kanjani: ukhokhela phambili kwezokwelapha eziningi ze-IVF, isilinganiso sokuba imijikelezo emithathu, kodwa kungaba ngaphezulu noma ngaphansi kwalokhu. Khona-ke, umtholampilo noma uhlelo lokwabelana ngezinhlekelele lithembisa ukubuyiselwa konke noma ingxenye yemali uma ungenawo umjikelezo we-IVF ophumelelayo ngaphakathi kwenani lezinkokhelo ozikhokha ngaphambili.

Lezi zinhlelo zivame ukubiza ngaphezulu umjikelezo ngamunye kunokuba ungakhokha ngaphandle kwesiqinisekiso sokubuyisela imali, kodwa ukwazi ukuthi uzobuyisela imali uma izinto zingasebenzi zingaduduza. Futhi, uma ukwelashwa kungaphumeleli, uzokwazi futhi ukuthatha ezinye zalezo zimali ukufaka ukwemukelwa noma ezinye izindlela zokwelapha, uma ufuna.

I-Pros and Cons yezinhlelo zokubuyiselwa kwe-IVF

Cela imali oyidingayo

Akekho othanda ukucela imali. Kodwa uma ungakwazi ukugoma, kukhona abantu ngaphandle lapho abangasiza.

Uma ukhetha ukugcina izinto ezingezona ezomuntu siqu, ungazama ukusebenzisa izibonelelo zokuzala. Abavami ukumboza zonke izindleko, futhi izimali zesicelo zingabiza, kodwa kuyindlela yokucabanga.

Ukufaka isicelo seZibonelelo Zesizalo Nama-Scholarships

Okunye kungenzeka ukuthi ubuze abangani bakho, umndeni wakho, kanye nokuxhumana nabantu. Ukubambisana - ngokuyinhloko ukuthola imali "esixukwini" - kungakusiza ukukhulisa noma ngisho nemali oyidingayo i-IVF.

Isikweletu asiwona wonke umuntu, futhi sidinga ukuthi usuvele unenethiwekhi yokuxhumana nabantu. Amakhono amasha wokuthengisa, futhi.

Borrow the Cash You Need

Cishe zonke iziguli ze-IVF zidinga ukuboleka imali ukuze ukhokhele ukwelashwa.

Izinketho zakho zokuboleka zihamba ngaphezu kwamakhadi esikweletu. Ungase ucabange ukungena esikhwameni sokuthatha umhlalaphansi, ukubolekisa imali yokuboleka ekhaya, ukubolekisa ngemali yezokwelapha, noma ngisho nokucela umama noma ubaba imali.

Yonke inketho inezinzuzo zayo nokuqapha, ngakho cabangela ngokucophelela.

Futhi qiniseka ukuthi unayo inkokhelo yokubuyisela noma iyiphi imali oyibolekayo. Into yokugcina oyifunayo ukulahlekelwa imoto yakho noma indlu yakho emva kokuba usenomntwana.

_Imithombo:

_{Andrews, Michelle.} _{Izindlela Ezinhlanu Zokulondolozwa Kwezindleko Zakho Zezokwelapha.} _{US News Health.} _{Ishicilelwe u-Aug. 21, 2008. http://health.usnews.com/health-news/blogs/on-health-and-money/2008/08/21/4-ways-to-save-on-our-medical -ibhidi}

_{Andrews, Michelle.} _{Indlela uMthetho Wezempilo Othinta Ngayo Ukwelashwa Kwesizalo, Ama-akhawunti Wokulondoloza Impilo.} _NPR.org. _{http://www.npr.org/blogs/health/2013/10/22/239672470/how-health-law-will-affect-ivf-fertility-treatment-health-savings-accounts-irs}

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

_{UCharlesworth, uLiza.} _{"Umhlahlandlela Wama-Couple To In Vitro Fertilization: Konke Okudingayo Ukuze Ukwazi Ukwandisa Amathuba Wakho Okuphumelelayo." I-Da Capo Press;} _{Uhlelo olungu-1 (Meyi 4, 2004).}

_{Izinhlelo ZamaMishanguzo Azisiwe.} _{Ukukhiqiza kwe-Shady Grove.} _{http://www.shadygrovefertility.com/discounted-medication-programs}