Khansa ya m'mawere ndi chiwopsezo chachuma Palibe amene akukambirana

Zamkati

• Mtengo Wodabwitsa wa Khansa ya M'mawere
• Momwe Mtengo Umakhudzira Chithandizo
• Sizikutha ndi Chithandizo
• Kodi Mungatani?
• Onaninso za

Monga ngati kupeza matenda a khansa ya m'mawere sikunali koopsa, chinthu chimodzi chomwe sichimayankhulidwa pafupifupi momwe ziyenera kukhalira ndi chakuti chithandizo ndi chokwera mtengo kwambiri, zomwe nthawi zambiri zimayambitsa mavuto azachuma kwa amayi omwe akukhudzidwa ndi matendawa. Ngakhale izi zitha kugwiradi ntchito ku zilizonse Khansara kapena matenda, akuti amayi a 300,000 aku US adzapezeka ndi khansa ya m'mawere mu 2017. Komanso, khansa ya m'mawere imanyamula katundu wapadera wokonzanso mawere pambuyo pa mastectomy yomwe, ngakhale kuti ndi gawo lofunika kwambiri la kuchira kwa amayi ambiri, nthawi zambiri imakhala yokwera mtengo kwambiri. ndondomeko.

Ndizovuta kudziwa ndendende momwe chithandizo cha khansa ya m'mawere chimawonongera pafupifupi chifukwa pali zosintha zambiri pazomwe mungakwaniritsire: zaka, gawo la khansa, mtundu wa khansa, komanso kufalitsa inshuwaransi. Koma chowonadi ndichakuti "kawopsedwe ka zachuma" chifukwa cha chithandizo cha khansa ya m'mawere ndichofala kwambiri kuposa momwe ziyenera kukhalira. Ichi ndichifukwa chake tidalankhula ndi omwe adapulumuka, madotolo, ndi omwe akukhudzidwa ndi zopanda phindu za khansa kuti tidziwe momwe ndalama zimakhudzira khansa ya m'mawere.

Mtengo Wodabwitsa wa Khansa ya M'mawere

Kafukufuku wa 2017 wofalitsidwa mu Kafukufuku wa Khansa ya M'mawere ndi Chithandizo adapeza kuti mtengo wazachipatala kwa mayi wazaka zosakwana 45 wokhala ndi khansa ya m'mawere anali $ 97,486 kuposa a mayi wazaka zomwezo wopanda khansa ya m'mawere. Kwa amayi azaka zapakati pa 45 mpaka 64, mtengo wowonjezera unali $75,737 kuposa amayi omwe alibe khansa ya m'mawere. Azimayi mu phunziroli anali ndi inshuwaransi, kotero iwo sanali kulipira ndalama zonsezi kunja kwa thumba. Koma monga aliyense amene ali ndi inshuwaransi amadziwa, nthawi zambiri pamakhala ndalama zomwe zimagwirizana ndi chithandizo, monga kuchotsera, kulipira ndalama, akatswiri kunja kwa netiweki, ndi njira zomwe zimangopezedwa pa 70 kapena 80 peresenti ya mtengo wawo wonse. Pankhani ya khansa makamaka, chithandizo choyesera, malingaliro achitatu, akatswiri akunja, ndi kutumiza kukayezetsa komanso kupita kwa madokotala popanda inshuwaransi yoyenera sikuthekanso kuti sikuphimbidwe.

Kafukufuku waposachedwa ndi Pink Fund, yopanda phindu yomwe imapereka thandizo lazachuma kwa odwala omwe amalandira khansa ya m'mawere, yapeza kuti 64 peresenti ya omwe adatsala ndi khansa ya m'mawere omwe adawafufuza adalipira $ 5,000 kuthumba; 21% adalipira pakati pa $ 5,000 ndi $ 10,000; ndipo 16 peresenti analipira ndalama zoposa $ 10,000. Poganizira kuti oposa theka la anthu aku America ali ndi ndalama zosakwana $ 1,000 mumaakaunti awo osungira, ngakhale omwe ali mgulu lotsika kwambiri mthumba atha kukhala pamavuto azachuma chifukwa cha matenda awo.

Ndiye akupeza kuti ndalama zolipirira chithandizo? Kafukufuku wa Pink Fund anapeza kuti 26 peresenti amaika ndalama zimene amawononga pakhadi langongole, 47 peresenti anachotsa ndalama m’akaunti yawo yopuma pantchito, 46 ​​peresenti anachepetsa kuwononga zinthu zofunika kwambiri monga chakudya ndi zovala, ndipo 23 peresenti anawonjezera nthaŵi yawo yantchito panthaŵi ya chithandizo. ndalama zowonjezera. Kwambiri. Amayi awa ankagwira ntchito Zambiri panthawi ya chithandizo chawo kuti azilipira.

Momwe Mtengo Umakhudzira Chithandizo

Takonzeka kukagwedeza? Pafupifupi amayi atatu mwa amayi anayi alionse omwe adafufuza adaganizira kuti akulephera kulandira chithandizo china chifukwa cha ndalama, ndipo 41% ya azimayi akuti sanatsatire ndondomeko zawo zochiritsira chifukwa cha mtengo wake. Ena mwa amayiwa adamwa mankhwala ocheperapo kuposa momwe amayenera kuchitira, ena adadumphira pakuyezetsa kovomerezeka, ndipo ena sanadzazepo mankhwala. Ngakhale zambiri sizikupezeka momwe njira zopulumutsirazi zimakhudzira chithandizo cha amayi, palibe amene ayenera kutsutsana ndi zomwe adokotala amamuuza chifukwa cha ndalama.

Sizikutha ndi Chithandizo

Ndipotu ena amatsutsa kuti n’zimene zimachitika pambuyo chithandizo chomwe chimabweretsa chiopsezo chachikulu ku chuma cha amayi. Mbali yolimbana ndi khansa ikatha, opulumuka ambiri ayenera kupanga zisankho zovuta pakuchita opaleshoni yomanganso bere. "Mtengo wake umakhudza kwambiri chisankho cha mayi kuti amangenso (kapena asamangidwe)," atero a Morgan Hare, oyambitsa komanso membala wa AiRS Foundation, yopanda phindu yomwe imathandizira azimayi kulipira opaleshoni yomanganso mawere pomwe sangathe kukwanitsa. "Ngakhale atha kukhala ndi inshuwaransi, mayi alibe ndalama zolipirira ndalama zolipirira nawo, kapena alibe inshuwaransi ngakhale pang'ono. Amayi ambiri omwe amapempha thandizo kwa ife ali paumphawi ndipo amatha. takumanizana nawo. Ndicho chifukwa malinga ndi Kalulu, mtengo wa opaleshoni yokonzanso umachokera pa $ 10,000 kufika pa $ 150,000, malingana ndi mtundu wa kumanganso.Ngakhale mutakhala kuti mulipira gawo limodzi la ndalama zolipirira, zitha kukhala zodula kwambiri.

Kodi ndichifukwa chiyani ili ndi vuto lalikulu? Chabwino, kafukufuku wasonyeza mobwerezabwereza kuti "kumanganso mawere ndi gawo lalikulu la kumva kuchira ndi kuchira pambuyo pa opaleshoni ya khansa ya m'mawere," anatero Alexes Hazen, M.D., mkulu wa bungwe la NYU Aesthetic Center ndi membala wa bungwe la AirRS Foundation. Izi zimapangitsa kukhala chisankho chovuta kwambiri kusankha kusachitidwa opaleshoni pazifukwa zandalama-ngakhale pali zifukwa zambiri zomveka zosafuna kuchitidwa opaleshoni yokonzanso pambuyo pa mastectomy.

Komanso sitinganyalanyaze kuti pali chigawo cha thanzi la maganizo kuti achire khansa ya m'mawere. Jennifer Bolstad, yemwe anali ndi zaka 32 atapezeka ndi khansa ya m'mawere mu 2008, anati: "khansa ya m'mawere inasokoneza kwambiri maganizo anga. Ngakhale anali wodwala wangwiro kwa ine, sanali m'mayendedwe anga a inshuwaransi, chifukwa chake tidakambirana za ola limodzi lomwe silinakwaniritse malipiro anga onse, koma zochuluka, zocheperako poyerekeza ndi zomwe amalandila , "akutero. "Zinakhala gawo lofunikira kwambiri pakuchira kwanga, koma kwa zaka zambiri zinali zolemetsa zachuma kwa ine ndipo kwa dokotala wanga." Pofuna kumuthandiza kuti achire ku vuto lazachuma la khansa ya m'mawere, Bolstad adalandira thandizo kuchokera ku The Samfund, bungwe lomwe limathandizira achinyamata omwe adapulumuka khansa pomwe akuchira ku chithandizo cha khansa.

Thanzi la opulumuka lingayambitsenso mavuto pantchito. Kafukufuku yemweyo wa Pink Fund omwe tawatchula koyambirira adawonanso kuti 36 peresenti ya omwe adapulumuka adachotsedwa ntchito kapena sanathe kuigwira chifukwa chofooka chifukwa chothandizidwa. "Nditapezeka mu 2009, ndinali ndi zochitika zophikira komanso bungwe la PR," atero a Melanie Young, omwe adapulumuka khansa ya m'mawere komanso wolemba Kuchotsa Zinthu Pachifuwa Changa: Buku Lopulumuka Pokhala Opanda Mantha & Opatsa Mtima Poyang'anizana ndi Khansa ya M'mawere. "Munthawiyo, ndidakumana ndi" chemo-brain "yosayembekezereka, fungo laubongo odwala khansa ambiri amakumana nawo koma palibe amene amakuchenjezani za izi, zomwe zidapangitsa kuti zikhale zovuta kusamalitsa, kuyang'ana kwambiri zachuma, ndikupanga bizinesi yatsopano." Achichepere adamaliza kutseka bizinesi yake ndipo adaganiziranso zolembera bankirapuse. Loya wake anamulimbikitsa kukambitsirana ndi amene anamubwereketsa. Anatero, ndipo zidamulola kuti agwire ntchito yolipira ngongole zake. (Zokhudzana: Mitengo Yambiri Yosabereka: Azimayi Ali Pachiwopsezo Chosowa Mwana)

Chowonadi n'chakuti, amayi ambiri sangathe kugwira ntchito mofanana ndi momwe ankachitira khansa isanayambe, Young akufotokoza. "Atha kukhala ndi zolepheretsa kuthupi, mphamvu zochepa, kapena zifukwa zam'mutu (kuphatikiza chemo-brain) kapena zovuta zina." Kuonjezera apo, matenda a munthu m'modzi nthawi zina angapangitse mwamuna kapena mkazi wake kuti achoke kuntchito - nthawi zambiri osalipidwa - zomwe zingawalepheretse ntchito pamene akufunikira kwambiri.

Kodi Mungatani?

Zachidziwikire, zonsezi zimawonjezera kuchepa kwachuma. Ndikofunika kumvetsetsa momwe mungadzitetezere, chifukwa ngakhale pali mabungwe omwe angathandize kulipira chithandizo monga Pink Fund, The Samfund, AiRS Foundation, ndi zina zambiri, ndizotheka kukhala okonzeka mokwanira ku matenda ovuta.

"Masiku ano, chifukwa chakuti munthu m'modzi mwa atatu aliwonse aku America alandila matenda a khansa ndipo 1 mwa amayi asanu ndi atatu aliwonse ali ndi matenda a khansa ya m'mawere, gawo lofunika kwambiri lomwe munthu angachite ndikugula mfundo zolemala, makamaka mukakhala achichepere komanso owoneka bwino. " akufotokoza Molly MacDonald, woyambitsa Pink Fund komanso wopulumuka khansa ya m'mawere. Ngati simungathe kupeza imodzi kudzera mwa abwana anu, mukhoza kugula imodzi kudzera ku kampani ya inshuwalansi.

Ngati mungathe, yesetsani kusunga ndalama zambiri momwe mungathere. Mwanjira imeneyi, simudzasowa kulowa mu ndalama zopuma pantchito kuti mulipire chithandizo kapena kuziyika zonse pa kirediti kadi. Pomaliza, "onetsetsani kuti inshuwaransi yanu ndi yolimba momwe mungathere polemekeza malipiro amwezi," MacDonald akulangiza. Zitha kuwoneka ngati lingaliro labwino kupita ku deductible plan ngati mukufuna kusunga ndalama, koma ngati mulibe ndalama zobwereranso, si njira yabwino kwambiri. Tengani chilichonse chomwe mungachite kuti mukhale olamulira ngati mukudwala matenda osalamulirika.

Onaninso za