Kutsvaga Dhauriro, Mutengo Unotenga, uye Kutsvaka Rubatsiro Rwakagadzikana Kuvhara IVF Zvinodhura
IVF inowedzera kuwedzera nokukurumidza. Kungoshandiswa kamwe chete kunogona kutengesa kubva kune $ 10 000 kusvikira pa $ 25,000, zvichienderana nehupi huwandu hweVF technologies . Chimwe chekudzidza chakawana kuti vanhu vashoma vakaroorana vakashandisa $ 19,000 mu-out-of-pocket cost IVF. Kune imwe neimwe yekuwedzera, mari yavo yakabuda kunze kwehomwe yakakwira yepamusoro ye $ 7,000.
Tichifunga kuti vamwe vakaroorana vangada kusvika kusvika ku3 IVF maitiro ekutora pamuviri, pamwe chete nechokwadi chinosuruvarisa kuti kunyange hukuru hwe-IVF haisi chivimbo - zvakakwana kuita kuti musoro wako uwedzere.
Iwe unogona sei kutenga mari yakafanana neiyi?
Usati waenda kubva kuIVF, funga nezvemashoko aya manomwe ekuita kuti mari yacho isanyanya kutengesa.
Verenga Hurongwa Wako Inishuwarensi Kunyatsoteerera
Iwe unogona kunge usingazivi kuti iwe unofanirwa kubhadharwa zvishoma nezvishoma zvekubhadhara kwemishonga yekushaya vana. Mazhinji makambani einishuwarenzi haafariri kuita kuti ruzivo urwu ruve pachena.
Usafunga kuti inshuwarisi haizokufukidzi. Kunyange zvazvo vazhinji vanobereka vanachiremba uye makiriniki havatori inshuwarisi, iyo haifaniri kukuchengetedza kubva pakukumbira kubhadhara iwe pachako. Kunyangwe kana IVF pachayo isina kuvharwa, zvimwe zvikamu zvekurapa kwako zvinogona kuva.
Verenga sarudzo yako zvakanyatsonaka-hongu, kunyange zvose zvinyorwa zvinyorwa hapana munhu anonetseka kuverenga. Nyatsocherechedza chero zvipi zvaro zvekugovera zvinoda, kuitira kuti iwe uite zvose zvaunogona kuti uite mitemo yavo.
Kana wapedza kuverenga sarudzo yako yose, fona kambani pakarepo kubvunza mibvunzo yakawanda.
Kana vakaramba kuti mishonga yekushaya rubatsiro yakavharwa, asi iwe unoverenga mumutemo wako kuti ivo-zvakanaka, ikozvino wakagadzirira kupopotedzana.
Shandisai Flexible-Inoshandisa Account kana Hurongwa Hwekuchengetedza Utano
Imwe nzira yekubatsira kubhadhara kurapwa iri kushandisa shanduro-kushandiswa kwekambani (FSA) kana chirongwa chekuchengetedza hutano (HSA), kana iwe uine imwe.
Kusanzwisisika-kushandura mabhuku ndeyebatsiro yevashandi, inopiwa nemamwe makambani, anokubvumira kuti uise chikamu chemari yako yekare isati yatere yakashandiswa zvakasarudzwa. (Kazhinji, mari yehutano isingawaniki nemishuwarenzi.)
Zvirongwa zvekuchengetedza hutano, kana HSAs, ndeimwe nzira yekuisa pachese mari yekutengesa kubhadhara mari yekurapa. Iwe unogona kuva nechimwechete kana iwe wakasayirirwa nokuda kwepuriti yakakwirira yeducucive.
Chimwe chekusiyana kukuru pakati peFSA neHSA ndechokuti mari inowanikwa muFSA haigone kutorwa gore negore. Kana iwe usingashandisi mari, iwe unorasikirwa navo.
NeHSA, mari inotakura. Kana iwe wakanga uine mari pamusoro penguva pfupi, unogona kuva nemari yakawanda yekuisa kune IVF.
Panogona kuva nemiganhu pane zvamarudzi ekurapa anogona kubhadharwa neFSA kana HSA, asi kurapa kunowanzobatanidzwa. Taura nemushandi wako kuti uwane zvakawanda.
Price Shop uye Negotiate
Hungu, iwe unofanirwa kutarisa zvinopfuura kupfuudza maitiro pakusarudza kliniki yekuberekera . Zvakanaka, iwe unoda kliniki yekubereka iyo inogona kukupa kurapwa kwaunoda, pamutengo unogona kuwana.
Usatya kutumira kune mamwe makiriniki uye uone kuti vanogona kukupa chii. Zvakasikwa kuti uzvive wakavimbika kuna chiremba wawaona kusvika ikozvino, asi unofanira kuisa utano hwemhuri yako pakutanga.
Pakuenzanisa nhamba, iva nechokwadi chekubvunza makiriniki izvo zvinowanikwa uye izvo zvisiri. Imwe kliniki inogona kuonekwa ine mari yakakwirira yeVIV, asi kana iri iyo inosanganisira mari yekushandiswa kwechirwere uye ropa, uye imwe haisi, saka hausi kuenzanisa maapuro nemaarangi.
Iwe unogona zvakare kuedza kukurukura nekliniki. Kana iwe ukawana mutengo uri nani kubva kune imwe kliniki, asi unosarudza yakadhura imwe, unogona kuedza kuona kana kliniki yaunoda ichauya pamutengo.
Imwe mari inoshandiswa kufungisisa ndiyo kufamba mari. Kiriniki inogona kuva nemitengo yakakura, asi mari yekufambisa imomo nekudzoka, uye yakarasikirwa nenguva kubasa, inogona nyore nyore kukanganisa zvakanakira.
Chengetedza Mari Paunotenga Zvirwere Zvinodhaka
Kuita zvinodhaka zvinokonzera huwandu hwehuwandu hweHIV huripo. Saka zvakanaka kuti uzive kuti iwe unogona kuwana zvidhakwa kana kuti zviri nani mutengo kana ukaita tsvakurudzo shomanana kutanga.
Kutenga mishonga yako yekubereka kubva kune imwe nzvimbo yemishonga yepamusoro ndiyo inosarudzwa. DesignRx® ichabatsira kubvunzurudza mutengo wakanakisisa kwauri, kana iwe uri nhengo. Unhu huripo.
- DesignRx Specialty Fertility Pharmacies
Imwe nzira yekuchengetedza mari pamishonga yekuita zvinodhaka ndeyokuona zvirongwa zvekutsvaira uye mapurogiramu ekubhadharisa mari, anopiwa nemamwe makambani emishonga.
EMD Serono - maker weGonal-F - anopa mapurogiramu mashoma kuti akubatsire kuchengetedza pane zvinodhaka zvinodhaka zvinodhaka. Mamwe mapurogiramu ndeyevanhu vanobhadhara, asi vamwe vanogona kushandiswa pamwe nemishuwarenzi. Iva nechokwadi chokuti unoshanda kune purogiramu usati watoda kutenga mishonga.
- Kuchengetedza Kurapa Kwemhando ne EMD Serono
Kubata Utano Hwenyama - Muiti weBravelle, Menopur, Endometrin, uye Novarel - anewo purogiramu inononoka.
Funga nezveKugoverana Kwekugoverana kana Zvirongwa zvekudzorera IVF
Kusarudza dambudziko rekugovana pamwe chete kana kubhadharwa chirongwa che IVF chinogona kukubatsira kugadzirisa mari yako, kana kurapwa kuchiri kubudirira.
Izvi ndizvo chaizvo zvazvinoshanda: iwe unobhadhara mberi kwezvipatara zvakawanda zveVIV, muvharo kuva maitiro matatu, asi zvinogona kuva zvishoma kana zvishoma pane izvi. Zvadaro, kliniki kana chirongwa chekugoverana pamwe chete chinopikira kubhadhara zvose kana chikamu chemari kana iwe usina hubudiriro hweVF kuburikidza nenhamba yemitambo yawakabhadhara mberi.
Aya mapurogiramu anowanzobhadhara zvakanyanya pane rimwe zuva kupfuura iwe waizobhadhara kunze kwechipo chekubhadhara mari, asi kuziva kuti uchadzosera mari kana zvinhu zvisingashandisi zvinogona kunyaradza. Uyewo, kana kurapwa kuchikundikana, iwe uchakwanisawo kutora zvimwe zvezvikwereti kuti uise kumubvumirano kana zvimwe zvirwere, kana uchida.
Kumbira Mari Inoshandiswa
Hapana anofarira kukumbira mari. Asi kana iwe ukakwanisa kuzvidya, kune vanhu kunze uko vanogona kubatsira.
Kana uchida kuchengetedza zvinhu zvisiri zveunhu, unogona kuedza kushandisa zvipo zvekubereka. Vanowanzovhara zvose zvinodhura, uye mari yekushandira inogona kudhura, asi iyo ndiyo nzira yekufunga.
Chimwe chiitiko chiri kukumbira shamwari dzako, mhuri, uye hukama hwevanhu. Crowdfunding - kunyanya kuwana mari kubva kune "boka revanhu" - inogona kukubatsira kukwidza zvimwe kana mari yose yaunoda yeVIV.
Crowdfunding haisi yevanhu vose, uye inoda kuti iwe uto une nzvimbo yakawanda yehutano hwevanhu. Unyanzvi hwakanaka hwekutengesa rubatsiro, zvakare.
- Ndeye Crowdfunding IVF Kwako Here?
- Crowdfunding IVF kana kuti Kubvumirwa: Zvinonzi Basics
- Mazano Okubudirira Kwevanhu vakawanda veIVF kana kuti Kubvumirwa
Borrow the Cash You Need
Vanenge vane varwere vose veVIV vanoda kukwereta mari kuti vabhadhara kurapa.
Sarudzo dzako dzokukwereta dzinopfuura kudarika kadhi rechikwereti. Iwe unogona kutarisa kupinda mubhadharo yekubvisa mari, kutora chikwereti chemari yakakwana, kutora chikwereti chemari, kana kunyange kubvunza amai kana baba nokuda kwemari.
Nzira imwe neimwe inobatsira uye inopera, saka fungisisa.
- 7 Kukwereta Kusarudzwa Kubhadhara Kurapa Kunobatsira
- 5 Zvinhu Zvokufungisisa Musati Makwereta Kubva Mumhuri kuVIV
Uyewo iva nechokwadi chokuti une chirongwa chekubhadhara mari chero ipi zvayo yaunokwereta. Chinhu chekupedzisira chamunoda ndecho kurasikirwa nemotokari yenyu kana imba yenyu mushure mokunge mune mwana.
Sources:
Andrews, Michelle. 4 Nzira dzekuchengetedza pamishonga yako ekurapa. US News Health. Yakabudiswa Aug. 21, 2008. http://health.usnews.com/health-news/blogs/on-health-and-money/2008/08/21/4-ways-to-save-on-your-medical -bills
Andrews, Michelle. Nzira yehutano Mutemo inobata sei kurapa kwehutano, maEalth Savings Accounts. NPR.org. http://www.npr.org/blogs/health/2013/10/22/239672470/how-health-law-will-affect-ivf-fertility-treatment-health-savings-accounts-irs
Attain® IVF Program. IntegraMed®. http://attainfertility.com/article/ivf-costs
Charlesworth, Liza. "Nharo yevadzidzi kune In Vitro Fertilization: Zvose Zvaunoda Kuti Uzive Kuti Uwedzere Mikana Yako Yokubudirira." Da Capo Press; 1 edition (May 4, 2004).
Zvirongwa zveMishonga Purogiramu. Shady Grove Fertility. http://www.shadygrovefertility.com/discounted-medication-programs