Kungakanani Ukuba Nendleko Yomntwana?

Londoloza Imali Uma Unomntwana

Ngakho-ke, kusho ukuthini ukubiza ingane? Imali eningi. Kungakhathaliseki ukuthi unomshuwalense wokubeletha noma cha, izinsana ziyabiza. Kodwa-ke, kukhona izindlela zokuzigcina imali uma unomntwana.

Izinto Okufanele Uzicabange

• Yazi ukuthi umshwalense wakho uhlanganisa nokuthi awukufihli.
  Uzofuna ukuthola, mhlawumbe ngaphambi kokukhulelwa, lokho okuzolindeleke ukuthi ukhokhe. Ungasuswa ngesitatimende esithi "konke" okuhlobene nokubeletha kuhlanganisiwe. Buza imibuzo ethize. Ingabe uzoba ne-co-pay noma deductible? Ingabe ingane yakho iyoba ne-co-pay ehlukile noma idonswe? Yiziphi izinqubo nezivivinyo ezihlanganiswa ekukhulelwe? Ekuzalweni? Izingane ezisanda kuzalwa?

• Hlola isibhedlela sakho noma isikweletu sakho sokuzalwa.
  Kukhona amaphutha kakhulu emalini yakho yesibhedlela. Uma uphawula ibhilidi eningiliziwe, ngisho noma ungadingeki ukuyikhokhela ephaketheni, ungathola amaphutha futhi uwaqinise. Ngisho nokuba nenkampani yakho yomshuwalense kulondoloza izinzuzo zemali ekugcineni ngeprimiyamu ephansi. Izibonelo zeziphambeko zezikweletu zebhedlela zihlanganisa ukukhokhiswa kabili ngezinqubo noma ukukhokhiswa ngemithi noma izinqubo ongenayo.

  Ngokwesibonelo, ngacala icala lokusoka lapho indodakazi yami izalwa; ngokuqinisekile wayengenaso ukusoka. Omunye umngane wami wathweswa icala lokuqeda ukubeletha ngesisu. Uzozwa futhi izindaba zokukhokhiswa ngezifo eziningi ze- epidurals noma ezinye imithi.

• Xoxa ngentengo yokunakekelwa kokubeletha kanye nephakheji lokuzalwa.
  Uma uphuma ephaketheni ukuze uthole ukunakekelwa kokubeletha kanye nokusebenza nokudiliva bheka ukuthi ungathola yini "isivumelwano." Ingabe uzosindisa imali uma ugcwalisa ngokuphelele yonke imali engaziwa ngaphambi kwesikhathi? Ingabe bayokunikeza isaphulelo sokuya esibhedlela esithile noma esikhungweni sokuzalwa ? Unganqikazi ukuthenga azungeze izintengo zomsebenzi wakho kanye nendawo yakho yokuzalwa. Ungumthengi womkhiqizo wabo.

• Ingabe udinga ngempela lokho?
  Uma uthola ukunakekelwa kwakho ngaphambi kokubeletha, ungase uthathe kalula konke ukuhlolwa okunikezwayo. Ngaphambi kokuba uvume ukuhlolwa kwezokwelapha noma inqubo, kungakhathaliseki ukuthi i- amniocentesis , umsebenzi wegazi noma i- ultrasound , qiniseka ukuthola ukuthi kungani unikezwa noma iyalwe. Thola imvume enolwazi . Ingabe lokhu kuvivinywa kuyadingeka ngempela? Yini oyethembayo noma ulindele ukuthola ukuthi uvela kusivivinyo? Kubiza okungakanani? Ingabe udinga ngempela ukuhlolwa noma inqubo? Ungase umangale ngempela izimpendulo kuzo zonke lezi mibuzo.
  Omunye umama engisebenza naye wabuza udokotela wakhe mayelana nokuhlolwa ayekunikezile. Wayekhathazeka ngempela ukuthi udokotela wayecabanga ukuthi kukhona okungalungile nengane yakhe. Woza ukuthola ukuthi udokotela wayala wonke umuntu ngoba yayitholakale. Wayengazi ukuthi kubiza kangakanani kodwa uma ehlola kulo, ukuhlolwa kwakungaba ngu-$ 900 futhi kwakungazange kuhlanganiswe umshwalense wakhe futhi awukwenzelanga ngempela ingane yakhe inzuzo. Wenqaba ukuhlolwa kunokuba athole isimangazelo sika-$ 900 se-medical bill.

• Amavithamini angakapheli.
  Lesi yisigaba abantu abaningi abakhohlwa ngaso. Udokotela wakho angabhala isigqebhezana samavithamini asebeletha. Kodwa okungajwayelekile kakhulu udinga ukukhulelwa kokubeletha okukhulu. Iningi loomama lihle nge-generic phezu kwezinto ezihlukahlukene. Ungakwazi yini ukweqa imali engu-$ 25 yokukhokhela amavithamini amahle?

Izindleko zokulondoloza izindleko ezengeziwe zokusebenza nokudiliva.

• Amawele amabili endleleni?
  Amawele amanga kakhulu uma kuziwa ezindlekweni zezokwelapha. Ngokushesha nje uma wazi ukuthi unamawele noma amanye ama-multiples shayela inkampani yakho yomshuwalense. Buza ukuthi bangababela yini kumphathi wecala. Lokhu kukuvumela ikhono lokushayela umuntu oyedwa ukuphatha imibuzo yakho. Njengoba ukukhulelwa ngamaphilisi kwandisa izingozi zezinkinga , nakuba akusho ukuthi wonke umuntu uyoba nezinkinga, ungase ubheke ibhilikithi elikhulu kakhulu. Ngisho noma ukhokha kuphela u-10% wesikweletu sakho, umehluko ophakathi kuka-10% wamaRandi angu-7,000 ukuze uzalwe ngesiswini ngesikhathi futhi umthethosivivinywa we-$ 200,000 ukuze i-NICU enwetshiwe ihlale yintsana engakafiki isikhathi sikhulu kakhulu.

  Umphathi wakho we-case angakuzisa ngezinhlelo ezikhethekile ukukusiza ukuthi uhlale uphilile futhi ukwandise izinkinga izingane zakho ezizohamba ngazo ngesikhathi. Angakwazi futhi ukuhamba kwakho lapho ehla ukuze akhokhiswe izikhathi eziningi ngokungalungile noma, ngokuvamile, ukuthi amacala akhokhelwa inkokhelo ngoba kakade ikhokhwe. Cabanga ngalokhu, izinsana ezimbili, inkinga efanayo, kokubili uthole isidakamizwa esifanayo ngosuku olufanayo. Umshuwalense wakho ucabanga ukuthi isibhedlela siyakhokhisa kabili futhi siyaphika icala lesibini. Ukuqagela ukuthi ubani odla lo mthethosivivinywa?

• Cabanga ngezindlela ezihlukile zokulondoloza izisebenzi zakho zokuzalwa.
  Uyazi ukuthi ukusebenzisa umbelethisi kungabi kubiza? Lokhu kuyiqiniso kungakhathaliseki isimo sakho somshuwalense. Izindleko zokunakekelwa kwezingane zasemakhaya ziyingxenyana yezindleko zokunakekelwa kwabanye abahlinzeki, ikakhulu ngenxa yokuthi babona abesifazane abanobungozi abaphansi kuphela futhi abenzi izinqubo eziphezulu zokufaka ingozi njengezigaba ezingasese, izinsimbi , njll.

  Ungase uthole ukuthi umshuwalense wakho uhlanganisa ezinye izinhlobo zababelethisi. Kungase kuhlanganise umhlengikazi oqinisekisiwe ongumhlengikazi odokotela. Noma kungase kuhlanganise bonke ababelethisi kuzo zonke imikhuba. Khuluma nabezibelethisi obaxoxisana ngazo mayelana nezindleko zomshuwalense kanye nemikhuba yezinkokhelo kanye nenkampani yakho yomshuwalense.

• Lapho ubeletha kubalulekile.
  Ukubelethwa kwezikhungo zokubeletha kanye nokuzalwa kwekhaya ngokuvamile kubiza kakhulu kunokubeletha esibhedlela ngezizathu ezihlukahlukene. Okokuqala ukuthi akukho izinyathelo eziphezulu ezenziwa ingozi, omama abaphansi kuphela abanikezwa ngale ndlela. Ngakho-ke ulondoloza imali ngokungabakhokhi labo ngokuqondile noma ngisho nemali ngoba kukhona lapho kwenzeka.

  Enye indlela enkulu izindleko ezigcinwe kulezi zilungiselelo ubude bokuhlala. Ngokuzalwa ekhaya, awuhambi kunoma iyiphi indawo yokunakekelwa kwakho kokubeletha noma kokuthunyelwa ngaphandle uma kunezinkinga ezidinga isibhedlela. Okuvamile ukuhlala esikhungweni sokuzalwa sokunakekelwa kwe-postpartum ngokuvamile cishe amahora ayisithupha.

  Abanye besifazane kufanele bakhokhele ephaketheni laleli khetho lokuzalwa. Ungasebenzisa imali elula yokusebenzisa imali ukuze uyihlanganise ngezinhlelo eziningi. Ungasetha uhlelo lokukhokha. Ezinye izikhungo kanye nezisebenzi zisaqhubeka. Ngisho noma umshuwalense wakho uthi ngeke bakhokhele abanye omama baye baphumelela ekukuhambiseni kumshuwalense wabo. Kungathatha isikhathi namandla ngamandla akho kodwa ngisho nokubuyisela okuyingxenye into enhle. Ezinye izifundazwe zinikeze ukugunyazwa ngalezi zinketho, inkampani yakho yomshuwalense kungenzeka ingakutsheli lokhu noma umuntu okhuluma naye kungenzeka angazi. Qiniseka ukuthi ubuza udokotela wokubeletha ekhaya noma abantu esikhungweni sokuzalwa.

• Izinqubo zokuzalwa.
  Enye indlela yokunciphisa izindleko ukugwema izinqubo ezibizayo uma kungenzeka. Lokhu kungafaka hlangana i- epidural anesthesia nezigaba ze-cearean. Ungase ubuze futhi mayelana nokukhishwa kokuqala esibhedlela, uthi amahora angu-24 kunama-48 ukuzalwa kwesisu.

  Abanye besifazane bazokhetha ukwenza lokhu kanti abanye ngeke. Izindaba ezinhle ukuthi ungazama ukugwema lokhu futhi ushintshe ingqondo yakho njengoba kudingeka. Ngakho ake sithi unqume ukuhamba ngaphandle kwemithi yobuhlungu kanye nengxenye yendlela yokusebenza kwakho ishintsha ingqondo yakho, usengakwenza lokho.

• Sebenzisa i-doula.
  Ukusebenzisa i-doula kungakusiza ukunciphisa isidingo semithi yobuhlungu kanye nokusiza ukunciphisa isidingo sezinqubo ezithile ezibiza izindleko. Nakuba iningi lezindleko ze- doula azihlanganiswa nomshuwalense, imali encane ephuma ephaketheni iwufanele emindenini eminingi. Ungaphinda ucele i-doula yesilinganiso sokudonsa kanye nokuqhaqha, njengoba ungakwenza nabo bonke ochwepheshe bakho.