Kulipira Pang'ono Pazisamaliro za Chiweto Chanu Sikukupangani Inu Munthu Woipa

Zamkati

• Chowonadi ndi ichi: veterinarian wanu sangadziwe kwenikweni ndalamazo
• Kugawana moyo wanu ndi ziweto, mwanjira ina, kumatha kukhala kodula
• Kusunga zomwe sizingapeweke

Kufunika kosankha mwanzeru pakati pa mtengo ndi chisamaliro, pomwe chiweto chanu chili patebulo loyesa, zitha kuwoneka zopanda umunthu.

Mantha okhudza kusowa kwa chisamaliro cha ziweto ndi enieni, makamaka kwa anthu omwe amapeza ndalama zokhazikika, monga Patti Schiendelman. "Pakadali pano ndilibe mphaka chifukwa tsopano ndili wolumala komanso wosauka, ndipo sindingakwanitse kusamalira imodzi moyenera," akutero, ndikuwonjezera mwachidwi kuti akulakalaka atakhala ndi mnzake wa feline.

Schiendelman ali ndi ufulu kukhala ndi nkhawa ndi zomwe amafotokoza kuti ndi "zinthu zosayembekezereka za vet." Ndalama zazikuluzikuluzi zimatha kukhala chifukwa chakukalamba ndi kutha kwa moyo, kuvulala kwa ziweto zazing'ono zomwe zikusokosera, kapena ngozi zadzidzidzi.

Sizosatheka kuti osamalira ziweto akumana ndi vuto limodzi lowopsa la vet.Ndi zinthu zochepa zomwe zimatipangitsa kukhala opanda thandizo kuposa kuyimirira pagome loyeserera ndi nyama yodwala kapena yovulala, kumvetsera mndandanda wazowerengera pazinthu zingapo zopulumutsa moyo.

Onjezani kupsinjika kwamaganizidwe owerengera ndalama zomwe zatsala kubanki ndipo njirayi imatha kumva ngati yopanda umunthu: kuganiza kuti moyo wa chiweto chathu uyenera kutengera zomwe tingakwanitse, osati zomwe tikufuna kuchita. Komabe iwo omwe amathamangira kudzudzula anthu chifukwa chosayesa Chilichonse angafune kuganiziranso.

Malinga ndi American Veterinary Medical Association, osamalira ziweto amawononga ndalama zosachepera $ 100 posamalira ziweto amphaka chaka chilichonse kuyambira 2011 (chaka chaposachedwa chomwe manambala alipo) ndipo kawiri konse agalu. Komabe, ofufuza kwina akuti manambalawa ndiotsika kwambiri.

Mwachitsanzo, ophunzira azowona zamankhwala ku University of Pennsylvania, akuti mtengo wapakati wokhala ndi galu utha kukhala pafupifupi $ 23,000 - kuphatikiza chakudya, chisamaliro cha ziweto, zopereka, kupereka zilolezo, ndi zina zotero. Koma izi sizikuphatikiza chilichonse, monga kuphunzitsa.

Malinga ndi chidziwitso cha inshuwaransi ya Pet Pet, kuwonjezera pamtengo wapakati, imodzi mwa nyama zitatu imafunikira chisamaliro chamankhwala chadzidzidzi chaka chilichonse pazinthu zomwe zimatha kukwera zikwizikwi.

Wachipatala wa ziweto a Jessica Vogelsang, yemwe amagwira ntchito yosamalira anthu odwala ndi odwala, akuti ndikofunikira kudziwa kuti chisamaliro chololera "sichikubwerera m'mbuyo," ndikungotenga chithandizo munjira ina.

Ngakhale momwe ziweto zilili ndi njira zina zambiri, zosankhazi ndizokwera mtengo, ndipo kukakamizidwa kuti "muchite chilichonse" kumatha kupangitsa anthu kuwononga ndalama.

Chowonadi ndi ichi: veterinarian wanu sangadziwe kwenikweni ndalamazo

Dr. Jane Shaw, DVM, PhD, katswiri wodziwika bwino wazachipatala, kasitomala, komanso kulumikizana kwa odwala, akutiuza kuti ma vets nthawi zambiri amapatsa osamalira ziweto zawo chithandizo koma osati ndalama. Izi zitha kukhala zofala kwambiri muzipatala zadzidzidzi, ndipo sikuti zimangokhala chifukwa chofuna kupusitsa osamalira njira zodula.

Makamaka muzipatala zamakampani, azachipatala amatha kupewedwa dala kuti asalandire chithandizo: Sangathe kuuza makasitomala nthawi zonse kuchuluka kwa chithandizo chomwe angawononge poyerekeza ndi njira yothandizira B. M'malo mwake, wolandila kapena wothandizira amakhala nanu kupitirira mtengo.

Atetezi amadzimva kuti alibe chochita koma kulipira ndalama zodula ngati akuganiza kuti njira ina ndi euthanasia kapena kupatsa nyamayo. Kudzimva kuti ndife olakwa, komabe, zimapangitsa kuti zikhale zovuta kulumikizana ndi ma vet ndi ogwira ntchito kuchipatala pazomwe angasankhe - zomwe zimapweteketsa aliyense kumapeto.

Kuneneratu za mantha amitengo kumatha kuthandiza omwe akuyang'anira kuti adziwe zambiri za njira zosiyanasiyana zomwe angatsatire. Izi zitha kuphatikizira njira zopanda malire zothanirana kapena kuchiza matenda, kukhala osamala ndi mankhwala omwe akupatsidwa, komanso kuchezera nthawi mosamala kuti muchepetse ndalama zomwe zimakhudzana ndi kuchezera ofesi.

Nthawi zina zosankha zotsika mtengo zimagwirizana kwenikweni ndi zofuna za chiweto. Koma ngati maopaleshoni aukali komanso maulendo obwereza obwerezabwereza sakuwonjezera kutalika kapena kukhala ndi moyo wathanzi, kuli koyenera? Nthawi zina, kusamukira kuchipatala kapena kuchipatala, kapena kusankha kuchita euthanasia nthawi yomweyo, kungakhale kusankha kwabwino kwambiri.

Wachipatala wa ziweto a Jessica Vogelsang, yemwe amagwira ntchito yosamalira anthu odwala ndi odwala, akuti ndikofunikira kudziwa kuti chisamaliro chololera "sichikubwerera m'mbuyo," ndikungotenga chithandizo munjira ina.

Amadziwa bwino momwe mtengo ungakhalire chinthu pakupanga zisankho. “Ndikuganiza [veterinarians] ayenera kupereka [makasitomala] chilolezo kuti achite zowona. Ndipo adzatero. Nthawi zambiri amamva kuweruzidwa, ndipo ndizomvetsa chisoni. Ndi anthu ochepa okha omwe sali olemera pawokha omwe alibe nkhawa zomwezi komanso mantha awa. " Ndipo kulephera kulumikizana, akuti, kumatha kubweretsa mkwiyo pakati pa veterinarian ndi kasitomala.

"Zikuwoneka kuti sizikuphimba chilichonse," akudandaula a Simmons, akufotokozera chifukwa chomwe adasankhira [inshuwaransi ya ziweto] atawona abwenzi akutumiza zonena kuti inshuwaransi yawo yakana kulipira.

Kugawana moyo wanu ndi ziweto, mwanjira ina, kumatha kukhala kodula

Kulowa munthawi zachuma pokhala ndi ngongole zambiri popanda njira yothetsera ngongoleyo kumakhala kovutirapo kwa omwe akuyang'anira ziweto komanso nyama.

Kwa a Julie Simmons, yemwe amasamalira woweta ziweto yemwe wakumana ndi zisankho zingapo zovuta zamankhwala, akuti vuto la chisamaliro limakhala lovuta kwambiri akamapanga zisankho zachuma m'malo mwa wina - monga zidalili paka ya apongozi ake adadwala. Simmons anakana kutsatira mankhwala a $ 4,000 chifukwa anali okwera mtengo kwambiri ndipo chiyembekezo cha moyo wa mphaka sichinathere mtengo.

"[Apongozi anga] amangokhalira kunena, mukudziwa," titha kuchiritsa, tiyeni tikonze, "akukumbukira Simmons, akumafotokoza malingaliro omwe amamuyika pachivuto. Mosiyana ndi izi, pomwe galu wake wazaka zinayi amafuna opaleshoni ya ACL, ndi mtengo wofananira, adamuvomereza, akumva kuti anali ndi zaka zambiri patsogolo pake ndipo amakhoza.

Zitha kuwoneka ngati kusakhulupirika kuti musamawonongeke poyerekeza ndi chithandizo. Koma mtengo ndiwowonadi, ndipo kulephera kupeza chisamaliro sikutanthauza kuti anthu sakonda ziweto zawo. Kulimbana pakati pa mantha a mtengo ndi kulingalira monga kupweteka, zotsatira zoyembekezereka za chithandizo, ndi moyo wa nyama yanu zingakuthandizeni kupanga chisankho chomwe chimapangitsa kuti musakhale ndi mlandu wamtsogolo komanso kupsinjika. Ndipo ngati zitakhala zotsika mtengo, sizimakupanga kukhala munthu woyipa.

Wolemba Katherine Locke adakumana ndi izi popanga chisankho chokometsera mphaka wake Louie: Anali wankhanza ndipo sanalolere kulandira chithandizo bwino, chisamaliro chodula chikadakhala chowopsa - osati chokwera mtengo chabe - kwa aliyense wokhudzidwayo.

Kusunga zomwe sizingapeweke

Kungosankha akaunti yosungira ndalama zowonongera ziweto ndi njira imodzi - kuyika ndalama pambali mwezi uliwonse kungatsimikizire kuti izipezeka ikafunika, ndipo itha kuwonjezeredwa ku bajeti yamwezi pamodzi ndi zolinga zina zosunga. Ena osamalira ziweto amasankhanso kugula inshuwaransi ya ziweto, yomwe mwina imalipira chisamaliro panthawi yomwe ikuthandizira kapena imabwezera omwe amawasamalira pambuyo pa chisamaliro chomwe agula.

Koma dziwani zomwe mukugula. "Zikuwoneka kuti sizikuphimba chilichonse," akudandaula a Simmons, akufotokozera chifukwa chomwe adasankhira izi atawona abwenzi akupereka zomwe inshuwaransi yawo idakana kulipira.

Ngakhale kukambirana moona mtima za kuchuluka komwe mukufuna kugwiritsa ntchito komanso munjira yomwe siyokambirana bwino, ndizofunikira.

Mapulani ambiri ndiokwera mtengo ndipo amachotsera kwambiri, zomwe zitha kubweretsa chiwopsezo pamitengo yayikulu yazachipatala. Maunyolo ena azachipatala, monga Banfield, amapereka "mapulani azaumoyo," akugwira ntchito ngati HMO pomwe osamalira ziweto atha kugula dongosolo lomwe limakhudza chisamaliro chanthawi zonse ndikuwononga mtengo wa zochitika zamankhwala zofunikira.

Anthu omwe ali ndi chidwi ndi inshuwaransi ya ziweto ayenera kuwunikiranso mapulani awo mwanzeru ndipo angafune kulumikizana ndi akatswiri azachipatala awo kuti awone ngati ali ndi malingaliro.

CareCredit - kampani yomwe imapereka ngongole zandalama kuchipatala ndi chisamaliro cha anthu - imalola osamalira ziweto kutenga ngongole yazifupi kwakanthawi kuti athe kulipira zowona zadzidzidzi. Koma ikamalidza nthawi, chidwi chimayang'ana.

Izi zitha kukhala zabwino kwa iwo omwe angathe kulipira ngongole zanyama mwachangu, koma omwe akugwiritsa ntchito ndalama zochepa atha kukhala pamavuto. Mofananamo, maofesi ochepa owona za ziweto atha kupereka mapulani m'malo mongolipirira kuti azilipira zonse panthawi yantchito, koma izi sizomwe zimachitika.

Ngongole imawonjezera Musanakhale ndi udindo ngati CareCredit, muyenera kulingalira ngati mungathe kubweza ngongoleyo pasanapite nthawi. $ 1,200 pa miyezi 12 itha kumachitika kwa munthu m'modzi, mwachitsanzo, pomwe $ 6,000 itha kukhala yosatheka.

Mabungwe ngati Red Rover samapereka thandizo lochepa pamalipiro azachipatala kwa ofunsira oyenerera, pomwe zopulumutsa za mtundu wina zimasunganso ndalama zanyama. Njira zadzidzidzi izi sizitsimikiziro, komabe, kuyang'anira ntchito ndi kuyitanitsa chithandizo kumatha kukhala kopanikiza panthawi yadzidzidzi.

Kudalira kupeza anthu ambiri mwina sikungakhale yankho lenileni mwina. Timamva nkhani kuchokera kumalo opezera ndalama monga GoFundMe ndi YouCaring akuthandizira pakagwa zadzidzidzi, koma opeza ndalama bwino nthawi zambiri amakhala ndi nkhani zokopa, zithunzi zabwino, komanso kuthandizidwa ndi netiweki ndi m'modzi kapena angapo omwe angathe kufalitsa uthengawu.

Mwachitsanzo, wovutitsidwayo wankhanza wanyama adapeza ndalama zokwana madola 13,000 chifukwa cha nkhani yomvetsa chisoni komanso kuti kampeni idakonzedwa ndi wojambula zithunzi za mphaka yemwe anali ndi omvera omwe akufuna kukhala nawo. Izi ndi zinthu zomwe sizimabwera mosavuta kwa eni ziweto wamba.

M'malo mwake, iwo omwe akuda nkhawa ndi zachuma ayenera kupeza njira yosangalalira pakati pamalipiro azolipira zilizonse kapena osachita chilichonse. Kuti achite izi, ayenera kuganizira zisankho zawo pasadakhale. Ngakhale kukambirana moona mtima za kuchuluka komwe mukufuna kugwiritsa ntchito komanso munjira yomwe siyokambirana bwino, ndizofunikira.

Wosamalira mphaka Shayla Maas, namwino wakale yemwe amakhala ndi chidziwitso chokwanira cha nyama, amayeza nkhawa za mtengo wosamalira ndi mapulani ake akuluakulu amoyo wa ziweto zake kotero kuti sanadabwe.

Kwa Maas, kulingalira mtengo ndi phindu la chisamaliro kumaphatikizapo ndalama komanso momwe akumvera komanso thupi. "Sindikufuna kumuika m'masautso ambiri kuti andithandizire," akutero za mphaka wake wokondedwa wamkulu Diana. Adatsimikiza mtima Diana kuti akhale ndi zolembera - monga kukonda tchizi - kuti amuthandize kupanga zisankho zovuta mtsogolo.

bo smith ndi mtolankhani wochokera ku Northern California yemwe amayang'ana kwambiri za chilungamo cha anthu omwe ntchito yawo idawonekera mu Esquire, Teen Vogue, Rolling Stone, The Nation, ndi zina zambiri.