Kurapa kenza yemazamu kunodhura zvakadii muU.S.?

Kambani

Kuongororwa kenza yemazamu inhau dzinoshungurudza chero munhu, zvisinei nezera rake, mamiriro emari, kana kunyangwe murume kana mukadzi. Varume nevakadzi vanogona kukura nekenza yemazamu, kunyangwe ichinyanya kuwanikwa muvakadzi. Zvinofungidzirwa izvozvo mukana weupenyu hwese wemurume ari kubatwa nekenza yemazamu i1 mu1000 , apo kune vakadzi njodzi inosvetukira kune 1 mu8 .

Hazvina mhosva kuti mikana yako yakakwira zvakadii kana kuti yakadzika zvakadii, gomarara repazamu chiitiko chinoshandura hupenyu chinogona kuyedza kutsunga kwako, kupokana nemuviri wako, uye kubvisa account yako yekubhangi. Kurapa kenza yemuzamu kunodhura. Iyi ndiyo mari yaungatarisana nayo mushure mekuongororwa-uine uye usina inishuwarenzi yekuvhara.

Ndeipi mutengo wepakati wekurapwa nekenza yemazamu?

Zvese mune zvese, iyo avhareji mutengo yekenza yemazamu inofungidzirwa kuva $ 20,000 kusvika $ 100,000. Inosiyana zvakanyanya nekuti yegakurwisana nekenza yemazamu kwakasiyana-zvichienderana nekuti yakaonekwa riini uye kuti yafambira mberi zvakadii. Mune zviitiko zvakawanda, kuongororwa kunozokutangira iwe munzira yekugara uchishandisa mari dzinosanganisira kushanyira kuhofisi, basa rebhu, uye mishonga yemishonga. Kunyange zvichinyanya kufungidzirwa kuti chemotherapy ndiyo inodhura chikamu chekurapa, zvinogona kuvhundutsa kudzidza kuti ingani mishonga yekenza inodhura.

Pasina inishuwarenzi, Lynparza (mushonga unoshandiswa kurapa gomarara repazamu iro rapararira kune dzimwe nhengo dzemuviri) unodhura $ 156,000 pagore. Zvinosuruvarisa, nhamba iyi ndeyechinyakare kwete kunze kwekusiiwa, uye mubhadharo wakakura ndewe kutungamira varwere kusvetuka kana kunyatso kurapa kurapwa .

Mishonga inongova chikamu chechinetso. Vazhinji vanoonekwa kuti vari mumatanho ekupedzisira vanoda chemotherapy. Zvekare, mitengo inogona kusiyana zvakanyanya, asi yakakomberedza chemo inogona kuita $ 10,000 kusvika $ 100,000 kana kudarika . Pamusoro pezvo, vanhu vazhinji vanoda mishonga uye chemotherapy panguva imwe chete. Iyo yekuwedzera mutengo we Herceptin , inowanzo ganhurirwa padivi pe chemo, inotyaira mutengo wekurapa unodarika $ 160,000.

Vamwe vakadzi vanoda mastectomy yekurapa gomarara repazamu. Uku kuvhiya kunodhura kuri kwoga, uye kunowanzo kuve kwakabatana nechemotherapy. Paavhareji, maitiro acho anodhura angangoita $ 13,000 , iyo isingasanganisi chero mhando yekuvakazve. Kugadzirwa kwemazamu mushure mechiratidzo inowedzera chero kubva pamadhora zviuru zvishanu kusvika pamadhora zviuru zvisere kumutengo wese, zvichienderana nachiremba anovhiya.

Kurapwa kwekenza yemazamu kwakavharwa neinishuwarenzi here?

Inishuwarenzi yehutano ndiyo nzira yakanakisa yekubhadhara gomarara repazamu kurapwa. Kufukidzira kwako kuchabvisa akawanda emabhiri, uye kunogona kushanda nevabatsiri kuti vataurirane yakaderera huwandu hwakazara.

Mumwe murwere akataura kuti bhiri rake rekutanga raive $ 200,000 , zvakadaro kambani yake yeinishuwarenzi yakakwanisa kubhadhara madhora zviuru makumi matanhatu chete. Nekuda kwehurongwa hwehutano hwakapihwa newaanoshandira, akazopedzisira ave nechikwereti chemadhora zviuru zvitatu chete muhomwe.

Kunyangwe iwe wakafukidzwa neinishuwarenzi kana kwete, kukurumidza kuona kunogona kudzikisa zvakanyanya mutengo. Chidzidzo chakaburitswa na American Hutano & Zvinobatsira Zvemishonga achifananidza inishuwarenzi kubva kuvakadzi vakasiyana avo vakamborapwa gomarara repazamu uye vakawana zvimwe zvinokatyamadza. Ivhareji yemari yekurapa kenza yemazamu mukati megore rekutanga mushure mekugamuchira kuongororwa yaive seinotevera:

• Chikamu 0 kenza yemazamu mutengo: $ 60,637
• Chikamu cheI / II kenza yemazamu mutengo: $ 82,121
• Chikamu chechitatu chekenza yemazamu mutengo: $ 129,387
• Nhanho IV kenza yemazamu inodhura: $ 134,682
• Avhareji kenza yemazamu inodhura pamatanho ese: $ 85,772

Kuonekwa kwekutanga kunobatsira kudzikisa mutengo wako wezvekurapa kusvika padanho rakakura uye zvakare kunokupa iwe mukana uri nani wekukunda kuongororwa kwako. Vakadzi vane makore makumi mana kana kupfuura vanofanirwa kuve nemammogram gore rega rega . Vakadzi vane njodzi huru vanofanirwa kutanga iyi nhanho yekudzivirira pazera remakore makumi matatu.

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Nzira shanu dzekuchengetedza mari pa kenza inodhura

Avo vasina inishuwarenzi vanogona kuve nenguva yakaoma kwazvo kubhadhara izvi zvakakwira mitengo. Kunyangwe avo vane kufukidzwa vanogona kutarisana nezvikwereti zvinopfuura kwavo kugona kwemari kubhadhara. Pane zvakawanda zvinoonekwa zvekukurukura nachiremba wako kuti uone kana kudzikisa kenza yemazamu kurapwa kurapwa kunokwanisika, kusanganisira:

1. Kukumbira generic vhezheni yemushonga wako wekurapa.
2. Kukurukura sarudzo yekumisikidza chirongwa chekubhadhara.
3. Kutsvaga kana iwe uchikodzera kuyedzwa kwekiriniki, iyo inodhura zvishoma kana inogona kuwanikwa mahara.
4. Kubvunza nezve rubatsiro rwekubhadhara kubva kumasangano ehurumende.
5. Uchishandisa ma coupon emahara kubva kumakambani seSingleCare kuchengetedza pamishonga yekunyorera.

Shanda nachiremba wako kuti uwane nzira yekurapa yakakunakira iwe, uye mamiriro ako emari.