Kunoma ubani onenkinga yokungazali, ukucindezeleka ngokomzwelo kungase kuzwakale kungenakwenzeka. Kodwa uhlangothi lwezezimali lunzima kakhulu ukuluqonda. Izindleko ezimaphakathi zomjikelezo owodwa we-IVF (in vitro fertilization) zingasukela phakathi kwama-,000 kuya ku-,000 kanti izindleko zemithi zengeza ku-,000 kuya ku-,000 eyengeziwe kuye ngohlobo nenani elinqunyiwe, ngokusho kukaPeter Nieves, isikhulu sezohwebo kwa-. INZALO .
Ngakho-ke, umbhangqwana ojwayelekile ugcina ukhiphe malini nge-IVF futhi yini ongayenza ukuze unciphise ithegi yentengo ephakeme? Sacela ochwepheshe abambalwa bezokuzala ukuthi basidlulise kukho.
Okokuqala, Ziyini Izindleko ze-IVF?
Njengoba sishilo ngenhla, izindleko ze-IVF zisuka ku-,000 ziye ku-,000 ngomjikelezo we-IVF ngamunye, futhi ngemithi, lelo nani lingangeza kufikela ku-,000 kuya ku-,000 umjikelezo ngamunye. Umjikelezo uvame ukuchazwa njengokubuyiswa kweqanda elilodwa kanye nawo wonke ama-embryo aphuma kulokho kukhishwa. Izindleko zingakhuphuka nakakhulu uma ukhetha izengezo ezivamile, njengokuhlola izakhi zofuzo zemibungu—zifinyelele inani lezinkulungwane zamaRandi.
Iningi labesifazane lidlula emijikelezweni emithathu ye-IVF ngaphambi kokukhulelwa okunempilo, kodwa abanye abaningi badinga imijikelezo efinyelela kweyisithupha, funda eshicilelwe ku Ijenali ye-American Medical Association. Lokhu kuhlanganisa, okungafaka ingcindezi kubashadikazi ukuthi bafake umbungu ongaphezu kowodwa ngomjikelezo ngamunye ukuze kwandiswe izinga lempumelelo yabo (okungaholela ekuzalweni okuningi, ngokusho kweMayo Clinic ).
Kodwa kunezindleko ezengeziwe okufanele zicatshangelwe, kusho uNieves. Phakathi kokunye, ukuhamba kungase kudingeke ukuze uthole ukwelashwa. Futhi abanye abantu kungase kudingeke bathathe ikhefu emsebenzini okungase kuphumele ekulahlekeni kwamaholo. Ngokuya ngezinselele zokuzala eziyingqayizivele zesiguli kanye nomlingani waso, indlela yokwelashwa, imithi enqunyiwe kanye nezindleko zingahluka kakhulu, kusho u-Nieves.
Umshwalense nawo udlala indima enkulu. Izindleko ezivame ukushaywa indiva zingase zibe izindleko ezingafakwanga ngaphansi kohlelo lwenzuzo yomqashi, njengabahlinzeki benethiwekhi noma izinsiza. Uzofuna ukuqinisekisa ukuthi uqinisekisa inzuzo kanye nesimo senethiwekhi yomhlinzeki, kanye nendlela ukwabelana kwezindleko ngaphakathi kwezinzuzo okusebenza ngayo, yiziphi izinkokhelo okufanele uzikhokhe, noma yiziphi izimali ze-coinsurance kanye nokudonswa kwemali. Ngisho noma umshwalense uhlanganisa ingxenye ethile kuphela, lokho kunganciphisa kakhulu izindleko.
Ungayithola Kanjani I-Quote Yokwelashwa Kwe-IVF Ngaphambi Kokuqala
Ngaphambi kokuthi uqhubekele phambili nge-IVF, isinyathelo sokuqala ngqa, uma sikhuluma ngezezimali, ukufinyelela ku-HR wakho kanye nomnyango wezinzuzo mayelana nezinzuzo ezitholakalayo nokuthi zihlanganisani. Izindleko zokuzala zingabiza kakhulu futhi ngokuya ngokwanda abaqashi basebenzisa izinhlelo zokusiza abasebenzi ngokukhokhela lezi zinqubo, kuchaza u-Nieves. Abaqashi abaningi futhi balethe izinkampani zokuphatha inzalo ukuze zinikeze abahlengikazi abaqeqeshwe ukuzala ukuze basekele isiguli kanye nozakwethu njengoba bethola udokotela futhi babasize babalungiselele uhambo lwabo futhi babasekele kulo lonke.
Uma i-IVF imboziwe (ngisho nayingxenye) uzofuna ukubuza umhlinzeki wakho womshwalense mayelana nemininingwane ethile. Ngokwesibonelo:
• Kungaki ukubonisana okuhlanganisiwe? (Ulwazi oluwusizo uma ufuna ukukhuluma ngezinhlelo zokwelapha nemitholampilo eyahlukene ngaphambi kokuqhubekela phambili.)
• Kuthiwani ngokuhlolwa kokuxilonga? (Nge-IVF, kunomsebenzi omncane wegazi kanye nokuqapha kwe-ultrasound okudingekayo kuyo yonke le nto—ngisho noma ukubuyisa kwangempela kungamboziwe, kuyafaneleka ukuthola ukuthi ezinye izici zenqubo zikhona yini.)
• Ingabe imithi iyakhava? (Futhi, ngisho noma inqubo ye-IVF kungeyona into umshuwalense wakho ongasiza ngayo, imithi ingase iwele esigabeni esihlukile. Kuyafaneleka ukubuza.)
• Ingabe sikhona isivalo sokuvala? (Uma i-IVF ikhokhwa, ingabe likhona inani elinqunyiwe noma inani ledola lokuthi umshwalense wakho uzokubuyisela malini?)
• Yiziphi izindlela zokwelapha ezikhona? Futhi ingabe sikhona isikhathi sokulinda ngaphambi kokufanelekela i-IVF? (Ingabe i-IUI—Intrauterine Insemination—inqubo okufanele uyihlole kuqala? Ingabe kufanele unikeze imibhalo yenkathi yesikhathi esichithwe uzama ukukhulelwa? Uzofuna ukubuza.)
Uma umqashi wakho enganikeli ukumbozwa, yilapho kuzodingeka ubalaze izindleko njengengxenye yesabelomali sakho. Mayelana nokufinyeleleka, ungakwazi ngempela ukukhokha ephaketheni, kodwa ungasebenzisa amakhadi esikweletu noma ukhulume nomabolekisi otholakalayo ohlinzeka ngemalimboleko kubashadikazi nabangashadile abafuna ukuqala umndeni. Eminye imitholampilo ize inikeze nezinhlelo zokukhokha nyanga zonke ezingenanzalo.
Akubona Bonke Abahlinzeki Bomshwalense Abadalwe Belingana
I-devil’s emininingwaneni yezezimali, kuchaza uDkt. Peter Klatsky, uchwepheshe wezokuzala kanye nomsunguli we Ukuzala Kwentwasahlobo . Sithole ukuthi nakuba abahlinzeki bomshwalense abakhethekile abafana ne-Progyny kanye ne-Carrot bekwazi ukunikeza ulwazi olukhethekile ezigulini zethu, izinkampani eziningi zomshwalense wendabuko wezohwebo ziyazabalaza ukunikeza iziguli zethu ulwazi olulungile mayelana nokuhlinzekwa.
Lokhu ikakhulukazi ngenxa yokungajwayelani nokuzala, uKlatsky uyanezela. Iziguli ezitshelwe ukuthi zinekhava ye-IVF evulekile ziyamangala ukuthola izimali ezinkulu ezidonswayo, i-coinsurance kanye nezidingo zokukhokha ngokubambisana, noma zithole ukuthi zikhishiwe ezinsizeni ezihlukahlukene. Ubuhlungu bekhanda nobuhlungu benhliziyo obubangelwa iziguli zethu ngokuxhumana nezinkampani zabo zomshwalense kwengeza ukucindezeleka okungadingekile esikhathini esiyinkimbinkimbi futhi ngokuvamile esivele sinengcindezi. Kungakho kunokubaluleka kokuncika kunoma ngubani ongaba ummeli wakho wezezimali ngalesi sikhathi, uyachaza. (Spring, isibonelo, inethimba elizinikele elinomsebenzi wokuqhuba amasheke ezinzuzo ngokusebenzisa abathwali bomshwalense wezentengiselwano.) Kuyafaneleka ukubuza inkampani yakho yomshwalense noma umtholampilo uma bekunikeza inketho efanayo ukukusiza uzulazule ohlangothini lwezezimali lwenqubo.
OKUhlobene: I-COVID-19 Ayigcinanga Ngokumisa Isikhashana Uhambo Lwami Lwe-IVF Kodwa Ingenze Ngacabanga Kabusha Konke Ngayo
