Ukuthola Ukuxhaswa Kwezimali ze-IVF, i-IUI, nezinye izifo zokwelashwa
Uma usuhambe ngaphezu kwezokwelapha ezithwala izindleko (njenge- Clomid ), izindleko zokwelapha zikhuphuka futhi zanda ngokushesha. Isiguli esibhedlela semithi yomtholampilo sisebenzisa imali engama-$ 5,000 ezindlini ezingaphandle kwezindleko, okuncane kakhulu kulabo abasebenzisa imishanguzo (okungaba ngu-$ 900) nokunye okuningi kulabo abasebenzisa i- IVF (cishe amaRandi 20,000). Uma udinga i- egg donor noma i- surrogate , izindleko ziphakeme nakakhulu.
Bambalwa abantu abanalohlobo lwemali elungeze nxazonke. Ngakho ungayithola kanjani ukwelashwa? Kunezindlela ezihlukahlukene zokumboza izindleko zokunakekelwa kokuzala, kanti enye yalezo ziboleka imali.
Ukunquma ukuboleka imali ukukhokhela ukwelashwa kokuzala akufanele kube isinqumo esisheshayo noma esenziwe ngokungaziphathi kahle. Ngayo yonke imizwelo ethintekayo ekukhuleleni, kulula ukwenza izinqumo zezezimali ezide zesikhathi eside.
Ngalokho kusho, nansi ezinye zezindlela ongayikhokha imali oyidingayo.
Ukuboleka kusuka kumndeni
Ukuboleka emndenini kungaba yindlela engcono kunazo zonke noma ukhetho olubi kakhulu. Kuxhomeke ebuhlotsheni bakho nelungu lomndeni lokulondeka, kanye nekhono lakho lokuzibuyisela emuva ngesikhathi esizayo.
Ngakolunye uhlangothi, uma udinga ukukhokha noma ukubambezeleka ukuyibuyisela emuva, ngeke ulahlekelwe yindlu yakho noma uchithe izinga lakho lesikweletu. Ngakolunye uhlangothi, ukungezwani kokuboleka imali kungabangela ukuphikisana nokufutheka. Esimweni esinzima nakakhulu, kungakudla ubuhlobo.
Uma unobungane obuhle nomndeni wakho, futhi uma benayo imali yokubolekisa, futhi uma ucabanga ukuthi ubuhlobo bakho bungakwazi ukusingatha noma yikuphi ukungezwani okubangelwa yiyo, kuyindlela yokuzicabangela.
Ungase ufune ukuhlola ukuboleka i-Karma, okuyinto iwebhusayithi esiza ukulandelela imali phakathi kwabangane nomndeni:
- Ukuboleka i-Karma
Ukukhipha Imali-Equity Imali
Uma ungumnikazi wakho, ungacabangela ukukhipha imali yokulingana ekhaya. Abantu bayithatha ukulungiswa nemishado, ngakho kungani ungathathi ukwelashwa kokuzala?
Ezinye izinzuzo ziwukuthi zinama-APRs aphansi kakhulu, futhi ungakwazi ukuthola ukuncishiswa kwentela ezindleko zenzalo. Futhi, uma unesikweletu esibi, ungase usafaneleke.
Inengozi enkulu ukuthi uma uphutha ngamakhokhelo, ungalahlekelwa yindlu yakho. Futhi, uma udinga ukuthengisa ikhaya lakho ngaphambi kokukhokha imali mboleko, ungagcina usalindele imali yasebhange.
Ukusebenzisa amakhadi esikweletu
Ukukhokha ngamakhadi esikweletu ngokuvamile kuvame ukuthi izifo zokwelapha ziqala kanjani. Izindleko ezincane zokuqala zifaka phezulu, futhi ngenkathi ekuqaleni, kungenzeka ukuthi udinge ama-dollar ambalwa nje lapha futhi, kungenzeka manje ubheke ukuboleka izinkulungwane.
Uma kungenzeka, ukhokhe lokho onakho kumakhadi wakho esikweletu ngaphambi kokuba ungeze ngaphezulu esikweletini. Ukukhokha amakhadi, ikakhulukazi ngokushesha, kungakhuphula izinga lakho lokukweleta, okungakwandisa imingcele yakho yokuboleka esikhathini esizayo.
Ngenkathi kwezinye izimo ukwelashwa kudinga ukuthi kwenzeke ngokushesha kunokuhamba kwesikhathi, akusiyo njalo njalo. Buza udokotela wakho ngaphambi kokuba unqume ukuthi awunaso isikhathi sokukhokha izikweletu zakho zamanje.
Uma unesilinganiso esihle sesikweletu, ungase ukwazi ukwenza isivumelwano namakhadi akho esikweletu. Bashayela bese ubuza. Bangase bakwazi ukukunikeza i-APR ephansi isikhathi esithile, noma ukwandise umkhawulo wakho wesikweletu.
Qinisekisa ukuthi ungakwazi ukukhokhela isikweletu sakho! Hlola ukuthi izinkokhelo zakho zanyanga zonke zizobe zithathwa yini emva kokubheka inzalo, ngaphambi kokuthi uswayiphe amakhadi akho akhokhe i-IVF.
Ukukhipha Imali Yakho Yomuntu
Ngaphandle kwalokho eyaziwa njengezikweletu ezingaqinisekisiwe noma izikweleti zesignesha, isikweletu somuntu siqu sinikezwa ngaphandle kokuhlanganiswa nanoma yimiphi impahla, njengendlu yakho noma imoto yakho. Isiqinisekiso kuphela ebhange esinekutsi uzozikhokhela "yisignesha yakho."
Amabhange kanye nezinyunyana zezikweletu zinikela ngemali mboleko yomuntu siqu. Ngokungafani namakhadi esikweletu (okuyizinhlobo zemali mboleko), izimali ezibolekile zebhange zisebenza ngokukunika imali encane, ozoyikhokhela ngokuhamba kwesikhathi.
Uma unesikweletu esihle, ungase ukwazi ukuthola inzalo engcono, kodwa noma ngabe unesikweletu esibi, ungacabangi ukuthi awukwazi ukuthola imali yakho. Nokho, izinga lentengo, cishe liyophakama.
Ukukhipha Imali Yokukhokhela Imithi
Imalimboleko yezokwelapha yizikweletu zemakhadi esikweletu ezithengiswa ngokukhethekile ezindleko zokunakekelwa kwezempilo. Amanye amakhadi esikweletu odokotela angasetshenziswa kuphela kubahlinzeki abathintekayo, kanti amanye awanqandeli. Zinikezwa ngezidingo ezihlukahlukene zokwelashwa, kusukela ekuhlinzekeni kwezithokozi kuya emsebenzini wamazinyo. Ezinye zingasetshenziswa ukukhokhela ukwelashwa kokuzala.
Akuyona yonke imalimboleko yezokwelapha engasetshenziselwa ukwelashwa kokuzala, ngakho-ke uma ubheka amathuba okuboleka imali, qiniseka ukuthi ungasichitha isikhathi sakho ugcwalisa amafomu okubolekisa ukuthi ngeke abanikeze.
Imalimboleko yezokwelapha ingaba yindlela ekhangayo. Ngesinye, abaningi banikela isilinganiso se-interest rate se-0 sezinsuku. Enye inzuzo okungenzeka ukuthi ingasetshenziswa kuphela ukukhokhela ukwelashwa, ungase ungalingeke ukuba usebenzise ezinye izikweletu (okuzobe kunciphisa ukuthi ungangena kanjani isikweletu, uhlobo oluthile.)
Kodwa-ke, funda ukuphrinta okuhle kulezi zimali! Ingabe uzohlawuliswa ngokukhokha isikweletu ekuqaleni? Kwenzekani uma usephuzile ekukhokheni? Kwenzekani uma uthatha isikhathi eside ukubuyisela inkokhelo kunesikhatsi unesilinganiso senzalo esezansi noma sezinga?
Ezimweni eziningi, uma usuphelile isikhathi sokukhokha noma uthatha isikhathi eside kunomnikelo wesilinganiso senzalo, uzodingeka ukhokhe izinga lentengo ephakeme hhayi nje yalokho okukhokhwayo, kepha futhi nakukho okukhokhelwe kakade . Futhi amanani entengo angaba phezulu kakhulu, aphezulu kunekhadi lesikweletu elijwayelekile.
Nasi uhlu oluthile lwezinkampani ezinikeza izikweletu zezokwelapha:
Qaphela: uhlu lapha akusilo ukugunyazwa. Imikhakha yemalimboleko ingahle ibekwe ngumhlinzeki wezempilo kanye nendawo. Sicela ucwaninge ngemigomo yemali mboleko ngaphambi kokubhalisa, futhi njalonjalo, qaphela ukuthi wabelana kanjani ngolwazi lwakho lwezezimali.
- MedicalFinancing.com
- Prosper Healthcare
- CareCredit
- I-Club yokubolekisa: Izixazululo zesineke
- FinyelelaOkunye
- I-Citi Health Card
Kukhona nezinkampani ezizoqhathanisa nokuqhathanisa izikweletu ezihlukahlukene zezokwelapha kuwe, ngokuvamile ezikhokhelwa:
- iMedical Financing Solutions
Ukuthola Umtholampilo Wokwelapha noma Umnyango Wokuboleka Umhlalaphansi Wenzalo
Ukwandisa ukuthandwa yizikhwama zezokwelapha ezisebenzela ngokukhethekile iziguli ezizala. Bangase bakhulunywe umtholampilo wokuzala noma iseluleko sokuzala.
Bafana nokubolekwa kwezokwelapha-amakhadi esikweletu ikakhulukazi yokwelashwa, kulokhu, ukwelashwa kokuzala. Banezinzuzo ezifanayo nezokuqhaqhazela, kuhlanganise nezingozi ezingenakwenzeka ezenzelwe ukukhokha noma ukukhokha isikweletu ngokushesha.
Uma umtholampilo wakho unikeza "uhlelo lokukhokha," qinisekisa ukuthi uyazi ukuthi ubhalisele yini. Ingabe uhlelo lokukhokha-nokukhokha ukwelashwa kwahlukaniswa ngenani elibekwe izinkokhelo zenyanga-phakathi kwakho nomtholampilo? Noma empeleni, ikhadi lesikweletu noma umboleko, uqhekekile noma kunconywa umtholampilo?
Imalimboleko yokuzala eyenziwe ngumtholampilo wakho kungenzeka ukuthi ayiyona indlela engcono kakhulu etholakalayo. Umhlinzeki wezokwelapha ohlukile wezokwelapha angakunika ukuthengwa okungcono, noma ungathola amanani angcono usebenzisa amakhadi akho esikweletu ajwayelekile.
Qaphela ukuthi udokotela wakho, umtholampilo, noma umxhumanisi angase azuze ngokwezimali ngesikweletu ngasinye sokuboleka imali. Lokhu akuyona njalo indaba, kodwa kubalulekile ukwazi.
Kungenxa yokuthi udokotela wakho uthi lokhu "yikhokhwa engcono kunazo zonke" ongayithola, noma lokhu "inkampani enkulu okufanele uyithembele" ayisho ukuthi iyini . Bangase bahleleke.
Nansi enye yezinkampani ezinkulu zemalimboleko yokuzala:
Qaphela: Njengoba kubhaliwe ngenhla, uhlu lapha akusilo ukugunyazwa. Sicela ucwaninge ngemigomo yemali mboleko ngaphambi kokubhalisa, futhi njalonjalo, qaphela ukuthi wabelana kanjani ngolwazi lwakho lwezezimali.
- Ukuxhaswa Kwezimali Zenzalo yaseCapexMD
Ukuboleka esikhwameni somhlalaphansi
Ukubolekwa kusuka ku-401K, i-IRA, noma ezinye izimali zokuthatha umhlalaphansi kungenzeka ngokusebenzisa lokho okubizwa ngokuthi "ukuhoxiswa kanzima" noma "ukuboleka okungalindelekile".
Kungakhathaliseki ukuthi lokhu kungenzeka noma umqondo omuhle uzoba nomsebenzi wakho, ukuphepha komsebenzi wakho, ikhono lakho lokulikhokhela, nokuthi ngabe ufuna ukudalula umqashi wakho ukungabi namntwana. (Ungase udinge ukufakazela ukuthi unesidingo, okungadinga ukwabelana ngezikweletu zakho zezokwelapha nge-HR.)
Kunezinkinga eziningi ezikhona zokuboleka ezikhwameni zakho zokuthatha umhlalaphansi, kufaka phakathi ukushaywa ngezinkokhelo zokuhoxiswa ezibizayo, okudingayo ukukhokha intela ezikweletu ezibolekiwe, futhi, uma ulahlekelwa umsebenzi wakho ngaphambi kokukhokha imali ebolekayo, okudingayo ukubuyiselwa imali kumqashi wakho zingakapheli izinsuku ezingu-60.
Kwezinye izimo, ungakwazi ukuboleka imali ngaphandle kokukhokha imali noma izinhlawulo. Khuluma nomeluleki wezezimali owaziyo ngaphambi kokuba uthathe noma yikuphi ukubolekwa kwemali yomhlalaphansi, njengoba ukuhamba ngemithetho kuyinsimu ekhohlisayo.
Enye ye-caveat ebalulekile ukwazi: ngisho nalapho kwenzeka khona imali yokukhokha, izindleko zakho zingase zidingeke ukuthi zenzeke ngonyaka ofanayo oboleka imali. Ngakho-ke, uma uboleka imali ngo-2017 ukukhokha isikweletu samakhadi esikweletu esitholakale ekunakekeleni ukwelashwa ngo-2016, ungaqeda ukuhlawuliswa, konke ngoba isidingo sezokwelapha asizange senzeke ngonyaka wokuhoxiswa.
Izwi elivela ku-Verywell
Ukwenza izinqumo zezimali uma ikusasa lomndeni wakho kulayini akulula. Ungase uhlangane nokudideka, intukuthelo, ukudabuka, ngisho nokwesaba njengoba uzama ukuqoqa izimali ozidingayo ukuze uthole ithuba lokuba nomntwana.
Abanye bangase bathi awukwazi ukubeka umthamo wamanani uma unomntwana, futhi akufanele uvumele imali noma isikweletu kukuvimbele ekuphishekeleni imithi oyidingayo. Kodwa lokhu kuncibilikisa umthelela wezimali wezimali ongaba nawo ebuhlotsheni bakho, impilo yakho yansuku zonke, ngisho nasesipiliyoni sakho njengomzali omusha (uma ucabanga.)
Ngaphezu kwalokho, ukwelashwa kokuzala akuyona isiqinisekiso. Ungase uchithe amashumi ezinkulungwane futhi ungahambi nomntwana.
Thatha isikhathi odinga ukunquma ukuthi uzodinga ukuboleka kangakanani, kungakhathaliseki ukuthi ungakhokha noma yiziphi izinkokhelo ngesikhathi esilinganiselwe, nokuthi yini ongakhetha ngayo uma ungakhulelwa. Akukho lutho olungalungile ngokuboleka imali oyidingayo ukuze uzame ukuba nomntwana, kodwa akukho lutho olungalungile ngokunquma ukuboleka imali nokuphila okungenasana kwengane ngemuva kokwelashwa (noma ukungeze wengeze emndenini wakho.)
Uma unenkinga ekwenzeni isinqumo, noma kubangela ukungezwani ebuhlotsheni bakho , bheka umeluleki . Umuntu onolwazi nge-infertility uycono kakhulu, kodwa uma ungakwazi ukuthola umuntu onjalo, ukuhlala nje nomuntu ongakhuluma naye kungasiza.
> Imithombo:
> Berkson, Mindy. "IsiKhwama Sekhawunti Yakho Yemhlalaphansi Ingabe I-IVF Your Treatment?" I-American Fertility Association. http://www.theafa.org/blog/can-your-retirement-account-fund-your-ivf-treatment/
> Isiliva-Greenberg, uJessica. "In Vitro a Fertile Niche for Ababolekisi." I-Wall Street Journal. http://www.wsj.com/news/articles/SB10001424052970203960804577241270123249832
> Isiliva-Greenberg, uJessica. "Uma Udokotela Wakho Ehambisa Amakhadi Ezikweletu." I-Wall Street Journal. http://www.wsj.com/news/articles/SB10001424052702304584404576440352578239090
> Isikhungo se-Hastings (ngo-2013, ngo-Disemba 9). Imalimboleko yokuthengisa ngemithi yokwelapha iphakamisa ukukhathazeka kokuziphatha. IsayensiIsiSayensi. http://www.sciencedaily.com / ukukhishwa 2013/12/131209132516.htm
> Wu AK, Odisho AY, Washington SL 3rd, Katz PP, Smith JF. "I-Out-of-Pocket Fertility Izindleko Zokwemali: Idatha evela ku-Multipleenter Prospective Infertility Cohort." J Urol. 2013 Sep 7. pii: S0022-5347 (13) 05330-5. doi: 10.1016 / j.juro.2013.08.083. [Epub ngaphambi kokuphrinta] http://www.jurology.com/article/S0022-5347 .13)05330-5/abstract