Inyani malunga novavanyo lweKlinikhi

Umxholo

• Uvavanyo lweKlinikhi yoLuntu
• Kutheni Abantu Bebandakanyeka
• Iindlela zezeMali phakathi kovavanyo lweklinikhi
• Iimbono ezilungileyo
• Impembelelo kuRhulumente
• Amava ngovavanyo lweklinikhi, ngokwesini
• Iziphumo zomhlaza kuvavanyo lweklinikhi
• Ukuthatha inxaxheba kwezonyango, ngoBudala
• Abathathi-nxaxheba bexesha elizayo
• Isikhokelo sakho seNkxalabo yezeMpilo

Inani lovavanyo lweklinikhi olwenziwe e-US lukhule ngaphezulu kwe-190% ukusukela ngo-2000.

Ukunceda oogqirha kunye noososayensi kunyango, ukuthintela, kunye nokufumanisa isifo sezifo ezixhaphakileyo namhlanje, siyazifunda. Oku kubandakanya ukuvavanya amachiza amatsha okanye izixhobo. Ngelixa la machiza nezixhobo zihamba kuvavanyo olungqongqo ngaphambi kokuba ziye kwinqanaba elilandelayo, iimvavanyo zeklinikhi ziyinxalenye ebalulekileyo yenkqubo yophando.

Sivavanye phantse abathathi-nxaxheba bezilingo ezili-180 kunye nabaphantse bangathathi-nxaxheba malunga ne-140 malunga namava abo kunye neengcinga malunga nokuvavanywa kweklinikhi. Nokuba uthathe inxaxheba kuvavanyo lweklinikhi ngaphambili okanye ucinga ukuthatha inxaxheba okokuqala, sinokukunceda uqonde ukuba ulindele ntoni - ukusuka kwimbuyekezo yezemali ukuya kumathuba okuthatha inxaxheba kwakhona. Qhubeka ufunda ukuze ufunde ngakumbi.

Uvavanyo lweKlinikhi yoLuntu

Ngaphezulu kwe-170 yangoku kunye nabathathi-nxaxheba ekuphononongwe kubo, phantse isibini kwisithathu yayingabafazi, kwaye phantse iipesenti ezingama-80 zazingabantu baseCaucasus. Ngelixa uphando lubonisa ukuba izilingo zeklinikhi- ngakumbi ezo zijolise kunyango lomhlaza- zinokwahluka ngokobuhlanga, safumanisa ukuba phantse iphindwe kabini kunamaSpanishi (asixhenxe eepesenti) kuneAsia-American okanye i-Afrika-yaseMelika (iipesenti ezine).

Phantse iipesenti ezingama-40 zazihlala eMzantsi, ngeepesenti ezili-18 ezithatha inxaxheba kuvavanyo lweklinikhi ezihlala eMantla mpuma. Kwilizwe lonke, ngaphezulu kwepesenti ye-17 yabemi bahlala eMantla mpuma, kwaye phantse iipesenti ezingama-38 zihlala eMzantsi. Ekugqibeleni, abathathi-nxaxheba kuvavanyo lweklinikhi kunokwenzeka ukuba babe zizigidi zeminyaka okanye i-baby boomers.

Kutheni Abantu Bebandakanyeka

Sibuze abaphenduli ukuba yintoni ebakhuthazileyo ukuba bathathe inxaxheba kwizifundo ababhalisele zona. Ngelixa ngaphezulu kwekota befuna ukufumana olona nyango lutsha kwinkxalabo yezonyango okanye ukugula, ngaphezulu kwesithathu wayefuna ukunceda uphando lwezenzululwazi. Uvavanyo oluninzi lweklinikhi lube neziphumo zokusindisa ubomi kwabo bathatha inxaxheba, kwaye abo basempilweni kwaye bathathe inxaxheba kwezi zilingo banefuthe elibalulekileyo kwiziphumo zezi zifundo.

Ngelixa phantse iipesenti ezingama-60 zabo bathathe inxaxheba kuvavanyo babenemeko, phantse iipesenti ezingama-26 bakhethe ukuzibandakanya njengabathathi-nxaxheba abasempilweni. Kuba izilingo ezininzi ziyasilela ngenxa yokunqongophala kokuthatha inxaxheba, iinzame zabo basempilweni kwaye bajonge ukunceda ukuqhubela phambili uphando lwezenzululwazi inokuba ngamava anomvuzo. Njengokuba omnye umntu esixelele, “Isizathu sam sasi-mbini; inye, ukunceda umntu oza emva kwam nababini, ukuzinika ithuba elongezelelekileyo lokubetha esi sifo. ”

Iindlela zezeMali phakathi kovavanyo lweklinikhi

Ngelixa uninzi lwabathathi-nxaxheba bezonyango belufumene imbuyekezo, uninzi alukhange luhlawulwe ngokuthatha kwabo inxaxheba kuvavanyo lweklinikhi. Ukusuka kwabo bachonge njengabaphilileyo okanye abathatha inxaxheba ukuncedisa ekuqhubekekeni kophando lwenzululwazi, kwabo bagulayo kwaye bafuna eyona nkxaso intsha okanye eluncedo kwezonyango, ngaphezulu kwama-30 epesenti abafumananga mbuyekezo yemali ngexesha labo. Nangona kunjalo, uninzi lwabathathi-nxaxheba bezonyango bafumene unyango lwasimahla olunokuthi luhlawulwe kwi-inshurensi yabo.

Nangona kunjalo, phantse iipesenti ezingama-70 bayifumene imbuyekezo yemali ngokuthatha inxaxheba kuvavanyo lweklinikhi. Uphando oluhlawulelweyo lunokunceda kuvavanyo lweklinikhi kwaye lukhuthaze ukubhalisa ngexesha elifanelekileyo kodwa akusoloko kuqinisekisa iqela lokufunda elahlukileyo. Eyona mbuyekezo ixhaphakileyo ibiphakathi kwe- $ 100 kunye ne- $ 249, Ngelixa abanye bexela ukuba bafumana izixa eziphezulu kakhulu. Ngaphezulu nje kweepesenti ezingama-30 abathi bafumene iidola ezingama-250 okanye ngaphezulu.

Iimbono ezilungileyo

Sibuze abo banamava kuvavanyo lweklinikhi ukuba baziva njani ngale nkqubo. Ukusuka kutyelelo logqirha kunyango olufunyenweyo kunye nolondolozo olulandelayo emva koko, ngaphezulu kwesithathu babeke amava abo kwabahlanu kwabahlanu (kulungile kakhulu).

Uvavanyo lwezonyango aluncedisi nje ukuhambisa uluntu lwezonyango phambili. Banokuba ngamava amangalisayo abathathi-nxaxheba, ngaphandle kwezidingo zabo zempilo.

Ngaphezulu kwesiqingatha silinganise amava abo nokuba sisithathu okanye sesine kwisikali sethu, ngamanqanaba abo bonke abathathi-nxaxheba abaphakathi kwe-3.8. Inyaniso, Iipesenti ezingama-86 ziya kuthatha inxaxheba kuvavanyo lweklinikhi kwakhona.

Impembelelo kuRhulumente

Ngethuba lokubhalwa kwale ngxelo, isindululo sohlahlo-lwabiwo mali sikaMongameli uDonald Trump besingakhange sidluliswe yiCongress, kodwa ukusikwa kweenkqubo eziphambili ezixhasa iiarhente zophando kwezonyango kunye nezenzululwazi kunokuba nefuthe elibi kwinkqubela phambili yophando lwezonyango oluqhubela phambili, ngokutsho kwabanye abagxeki. Ngokunikwa olu tshintsho lucetywayo, kunye nokubanakho ukuthintela ukuhamba kunye nokuthintelwa kokuchaphazela kakubi uluntu lwezonyango, sibuze abo bathathe inxaxheba kuvavanyo lweklinikhi ngaphambili ukuba ngaba banenkxalabo ngempembelelo yolawulo lukaTrump kwizifundo ezizayo.

Uninzi (iipesenti ezingama-58) luthi luxhalabile ngotshintsho olunokubakho kulawulo olutsha olunokuba nalo, kwaye ngaphezulu kwesibini kwisithathu kwabo bangaphantsi kweminyaka engama-50 baziva bekhathazekile malunga notshintsho kwizilingo zonyango.

Amava ngovavanyo lweklinikhi, ngokwesini

Ngelixa izifundo zangaphambili zisenokuba zifumene umsantsa wesini kuyantlukwano phakathi kwezilingo zeklinikhi, uphando lwethu alufumananga kuphela ukuba ngabafazi abathathe inxaxheba kakhulu, bahlawulwa ngakumbi ngokuthatha kwabo inxaxheba kwaye babenamathuba amaninzi okuvavanya amava ngokuthelekisa amadoda.

Phantse ezibini kwisithathu sabasetyhini abathathe inxaxheba kuvavanyo lweklinikhi ukulawula okanye ukunyanga iingxaki ezithile zempilo, xa kuthelekiswa ngaphezulu nje kwesiqingatha samadoda. Isiqingatha sabo silinganise amava abo abahlanu kwabahlanu, ngelixa iipesenti ezili-17 kuphela zamadoda zithethe okufanayo. Abasetyhini nabo banamathuba okuthatha inxaxheba kolunye uvavanyo (Ipesenti ezingama-93), xa kuthelekiswa namadoda (ipesenti ezingama-77).

Iziphumo zomhlaza kuvavanyo lweklinikhi

Unyaka ngamnye, abantu bafumanisa ukuba banomhlaza e-United States, kwaye phantse i-600,000 ibulawa sesi sifo. Ngaphandle kokuxhaphaka komhlaza e-US, ngabantu abadala kuphela abafunyaniswa benomhlaza abathatha inxaxheba kuvavanyo lweklinikhi ukunceda ukulawula iimpawu zemeko yabo. Olu bambiswano lilinganiselweyo lubangela ukuba u-1 kwezilingo ezi-5 ezijolise kumhlaza zisilele ngenxa yokungabikho kokuthatha inxaxheba.

Sifumene abo banomhlaza bavavanya amava abo olingo lwezonyango ngakumbi kunalawo angafumaniswanga. Abathathi-nxaxheba abanomhlaza babesengozini yokulinganisa umgangatho wamava abo nokuba sisine okanye isihlanu kwabahlanu, xa kuthelekiswa nabo babengenawo umhlaza.

Phantse isiqingatha sabo bafunyaniswe benomhlaza nabo bathathe inxaxheba kuvavanyo lweklinikhi ngaphandle kokunikezelwa ngembuyekezo, kwaye abo bafumana imali bafumana ngaphantsi kweedola ezingama-249 ngokomndilili. Abo bangakhange babhaqwe baphantse babe kathathu amathuba okuba bafumane phakathi kwe- $ 750 kunye ne- $ 1,499 ngokuthatha kwabo inxaxheba kuvavanyo lweklinikhi.

Ukuthatha inxaxheba kwezonyango, ngoBudala

Ngaphezulu kwesithathu sabathathi-nxaxheba abangaphantsi kweminyaka engama-50 bavakalise ukuthatha inxaxheba kwezi zifundo ukufumana unyango olutsha yesigulo esithile, kwaye ngaphezulu kweepesenti ezingama-20 bakwenzile oko ukufumana ukhathalelo nokhathalelo olongezelelweyo.

Abo badala kunama-50 babengaphezulu kokuphindwe kabini amathuba okuthatha inxaxheba kuvavanyo lweklinikhi ukunceda uphando lwezenzululwazi, xa kuthelekiswa nabancinci kunama-50; kwaye kunqabile ukuba babonakalise ukuyenzela imali. Iqela le-50-plus lalinethuba lokuthatha inxaxheba kuvavanyo lweklinikhi ukunceda abanye abanokugula.

Ngelixa abo bangaphantsi kweminyaka engama-50 bevuma ukuthatha inxaxheba rhoqo kwimpilo yabo, bebenjalo amathuba aphindwe kahlanu okuthatha inxaxheba kuvavanyo lweklinikhi kwakhona xa kuthelekiswa nalawo angaphezu kweminyaka engama-50.

Abathathi-nxaxheba bexesha elizayo

Siphinde savavanya abantu abayi-139 abangazange bathathe inxaxheba kuvavanyo lweklinikhi ukulinganisa ukuthanda kwabo ukuthatha inxaxheba kwikamva. Kulawo aphenduliweyo, Iipesenti ezingama-92 ziya kuqaphela uvavanyo lweklinikhi ngaxa lithile ebomini babo.

Ngaphezulu kwesithathu kwabo baphendule ngokuqinisekileyo, eyona njongo yabo iphambili yayikukunceda uphando lwezesayensi, kwaye ngaphezulu kwepesenti ye-26, yayikukufumana unyango olutsha. Ngaphantsi kweepesenti ezili-10 baya kuyenza ngemali.

Isikhokelo sakho seNkxalabo yezeMpilo

Ukusuka kwezempilo, ujonge ukuqhubela phambili uphando lwezenzululwazi ngenxa yabanye, kwabo bafumaniswe ukuba banesifo esifana nomhlaza abafuna olona nyango lutsha kunye nolona lutsha lukhona, uninzi lwabantu abathatha inxaxheba kuvavanyo lweklinikhi abanamava amnandi kuphela kodwa banokuthathela ingqalelo ukuyenza kwakhona.

Ukuba unenkxalabo yezempilo okanye ufuna ulwazi ngakumbi malunga neenkqubo ezintsha zempilo, ndwendwela i-Healthline.com. Njengendawo ekhula ngokukhawuleza kakhulu kwezempilo yabathengi, injongo yethu kukuba liqabane lakho elithembakeleyo ekulandeleni indlela yokuphila esempilweni. Ukusuka ekwehliseni umngcipheko wokufumana izifo ezinje ngomhlaza ukuhlala kunye nokunyanga, i-Healthline sisikhokelo sakho sexhala lezempilo lanamhlanje. Sityelele kwi-Intanethi ukuze ufunde ngakumbi.

Indlela yokusebenza

Sivavanye abathathi-nxaxheba kuvavanyo lweklinikhi abali-178 kumava abo. Ukongeza, sibuze abantu abayi-139 abangakhange bathathe inxaxheba kuvavanyo lweklinikhi malunga nezimvo zabo ngalo mbandela. Olu phononongo lunepesenti ye-8 yomda wempazamo, ebalwe kwinqanaba lokuzithemba eliqikelelweyo, ubungakanani babemi, kunye nokusasazwa kwempendulo.

INgxelo yoSetyenziso elungileyo

Njengokuvavanywa kweklinikhi, nceda abafundi bakho ukuba bayiqonde ngcono le nto ngokwabelana nomxholo wethu ngeenjongo ezingezizo ezentengiso kuphela. Nceda unike ikhredithi efanelekileyo kubaphandi bethu (okanye ababhali beli phepha).