Ngabe Ukuhlaziywa KweSidoda Kukhokhelwa Umshwalense?
Ukuhlolwa kwesidoda kubhekisela ekuhlolweni okuvamile kokuzala kowesilisa okuhlola izilinganiso ezahlukene zesidoda. Kutshela ukuthi isidoda siyanyakaza kangakanani, ukuthi siningi kangakanani, nokuthi usayizi nesakhiwo sesidoda kujwayelekile yini [1].
Izindleko zokuhlolwa kwesidoda zingahluka kuye ngohlobo lohlolo, indawo yekliniki, nezinye izindleko ezehlukene. Okunye ukukhathazeka okuvamile ngezindleko zokuhlolwa kwesidoda wukuthi ingabe kukhokhelwa umshuwalense yini. Abaningi abaguli babuza: ingabe ukuhlolwa kwesidoda kukhokhelwa umshuwalense, kanti impendulo incike kuhlelo lwakho lomshuwalense.
Kulesi sihloko sizochaza ukuthi kuyini ukuhlolwa kwesidoda, izindleko ezimaphakathi zokuhlolwa kwesidoda, nokuthi ingabe izinkampani zomshuwalense zikhokhela izindleko zokuhlolwa kwesidoda yini.
Kuyini Ukuhlolwa Kwesidoda?
Uma owesilisa ezama ukuba nezingane odokotela bavame ukuncoma ukuhlolwa ukuze kuhlolwe isimo sakhe sokuzala. Lolu vivinyo lubizwa ngokuthi ukuhlolwa kwesidoda noma ukuhlolwa kwesidoda (semen analysis test).
Ukuhlolwa kwesidoda kubandakanya ukuqoqwa kwamamasampula esidoda ebhodleleni elihlanzwe ngendlela yokuhlanzeka okukhulu nokuthumela lelo bhodlela elabhorethri. Osonhlalakahle belabhorethri babese bekuhlola lesi sidoda noma uketshezi lokuchama kwesidoda (ejaculatory fluid) ngokuya ngezilinganiso eziningi.
Lezi zilinganiso ngokuvamile zifaka phakathi ukunyakaza kwesidoda, inani lesidoda, nokuma kwesidoda. Umbiko wohlelo lokuhlola ukutshela ukuthi unalo yini inani lesidoda elijwayelekile, ukunyakaza kwesidoda okujwayelekile, noma ukuma kwesidoda okujwayelekile.
Zonke lezi zilinganiso zibalulekile ekuzaleni kowesilisa futhi zinqoba ukuthi ukukhulelwa kuzokwenzeka ngokwemvelo noma cha [2].
Izindleko Ezimaphakathi Zokuhlolwa Kwesidoda
Izindleko zokuhlolwa kwesidoda zingaba yindaba edidayo kubaningi babesilisa abafuna ukuhlola isimo sabo sokuzala ngalolu vivinyo. Lokhu kungenxa yokuthi akukho inani elilodwa elisemthethweni lokuhlolwa kwesidoda futhi izindleko ziyahluka ngenxa yezinto eziningi ezihilelekile.
Nokho, ngokwesilinganiso, ungase udinge ukuchitha cishe phakathi kuka-$100 no-$300 ukuze wenziwe inqubo yokuhlolwa kwesidoda [3].
Lolu hlu lwamanani lungahluka kuye ngohlobo lohlolo olukhethayo, indawo yekliniki, nokuthi uthola yini nezinye izinsizakalo ezengeziwe ezinikelwa yikliniki.
Ingabe umshuwalense ukhokhela izindleko zokuhlolwa kwesidoda?
Abantu abanomshuwalense wezempilo abafuna ukwenza ukuhlolwa kwesidoda bavame ukuzibuza ukuthi kubiza malini ukuhlolwa kwesidoda uma kukhona umshuwalense noma ukuthi ingabe ukuhlolwa kwesidoda kukhokhelwa umshuwalense.
Ezinye izinhlelo zomshuwalense wezempilo zikhokhela izinqubo zokuxilonga ezifana nokuhlolwa kwesidoda. Nokho, lokhu kuvame ukuba ngaphansi kwezimo ezithile. Isibonelo, kungadingeka ukubhalelwa udokotela walolo hlolo olukhethekile.
Nawa amagama ajwayelekile e-inshurensi ahlobene nokuhlolwa kwesidoda:
- I-Deductible: Imali oyikhokhayo ngezinsizakalo zezempilo ngaphambi kokuba i-inshurensi yakho iqale ukukhokha.
- I-Out-of-pocket Maximum: Inani elikhulu kakhulu okufanele ulikhokhe ngezinsizakalo ezihlanganisiwe phakathi nonyaka wohlelo.
- I-Co-payment: Inani elibekiwe owukhokhayo ngesevisi yezempilo ehlanganisiwe.
Nansi indlela ongathola ngayo umqondo wokuthi i-inshurensi yakho ihlanganisa izindleko zokuhlolwa kwesidoda yini:
-
Ukuhlola Inqubomgomo Yakho Ye-inshurensi
Ukuze uthole ukuthi i-inshurensi yakho ihlanganisa yini ukuhlolwa kwesidoda, hlola inqubomgomo yakho. Bheka izigaba eziphathelene nezinqubo zokuxilonga nokuhlolwa kokuzala.
Uma ulwazi lungacaci, thintana nomhlinzeki wakho we-inshurensi. Bangacacisa ukuthi yini ehlanganisiwe nokuthi yini engekho.
-
Ukuqonda Imigomo Ye-inshurensi
Ulwazi ngemigomo ye-inshurensi lubalulekile lapho ubhekene nokuhlanganiswa kokuhlolwa kwesidoda [4]. I-deductible, isibonelo, imali oyikhokhayo ngaphambi kokuba i-inshurensi yakho iqale ukumboza izindleko.
I-out-of-pocket maximum ingenye igama elibalulekile. Lena yimali enkulu kakhulu ozoyikhokha ngezinsizakalo ezihlanganisiwe phakathi nonyaka.
Ekugcineni, i-co-payment ingumyalelo obekiwe owukhokhayo ngesikhathi uthola isevisi yezempilo ehlanganisiwe. Imvamisa ukhokhwa ngesikhathi sesevisi.
Ingabe Ungakwazi Ukwenza Ukuhlolwa Kwezidoda Ekhaya?
Akubona bonke abantu abakhululekile ukuya esikhungweni sokuhlolwa ukuze benze ukuhlaziywa kwesidoda. Abanye abantu babambezelekile ngenxa yenqubo yokuhlolwa noma bekhathazeke ngobumfihlo babo.
Abantu abanjalo bangazuza ekuhlolweni kokugxila kwezidoda abangakwenza bona uqobo ekhaya. Lolu vivinyo alunemininingwane eminingi njengokuhlaziywa kwesidoda, kodwa lukhombisa ukugxila kwezidoda noma inani lezidoda, okuyingxenye ebalulekile yokukwazi ukuzala kowesilisa [5].
Ukuze wenze ukuhlolwa kokugxila kwezidoda ekhaya, kufanele thenga isethi yokuhlola ukugxila kwezidoda futhi ulandele imiyalelo enikezwe nesethi. Ngale ndlela ungathola imiphumela yokuhlolwa kwesibalo sezidoda usekhululekile ekhaya.
Isiphetho: Izinzuzo Ze-inshurensi Ekuhlolweni Kokuzala
I-inshurensi yezempilo ibaluleke kakhulu emhlabeni wanamuhla lapho izindleko zezivivinyo zokuxilonga kanye nokwelashwa kokungazali jikelele ziphezulu kakhulu. Ukuhlolwa kwesidoda kuwuhlolo oluvamile lokuxilonga ukuzala kowesilisa olunikeza imininingwane ewusizo mayelana nempilo yokuzala kowesilisa.
Lolu vivinyo luvame ukubiza phakathi kuka-100$ no-300$ ngaphandle kwe-inshurensi. Kodwa uma i-inshurensi yakho ihlanganisa izivivinyo zokuzala, ungakulindela ukukhokha kancane noma ungakhokhi nhlobo kwezinye izimo. Ukuze uthole impendulo eqondile, kufanele uxhumane nomhlinzeki wakho ukuze uqinisekise ukuthi ukuhlolwa kwesidoda kuhlanganiswe yi-inshurensi ngaphansi kohlelo lwakho.
Izinsiza Ezisetshenzisiwe
- Sunder, M., & Leslie, S. W. (2022, October 24). Ukuhlaziywa kwesidoda. StatPearls - NCBI Bookshelf. https://www.ncbi.nlm.nih.gov/books/NBK564369/
- Nallella, K. P., Sharma, R. K., Aziz, N., & Agarwal, A. (2006). Ukubaluleka kwezici zezidoda ekuxilongweni kokungazali kowesilisa. Fertility and Sterility, 85(3), 629-634. https://doi.org/10.1016/j.fertnstert.2005.08.024
- Ukuchaza izindleko zohlolo lwezidoda. Conceive Plus®. https://conceiveplus.com/blogs/blog/breaking-down-the-cost-for-sperm-test
- Imigomo ye-inshurensi yezempilo okufanele uyazi | CMS. (n.d.). https://www.cms.gov/medical-bill-rights/help/guides/health-insurance-terms
- Sharpe, R. M. (2012). Inani lezidoda nokuzala emadodeni: Umgwaqo onamatshe ongaphambili: uchungechunge lwe-Science & Society ngezocansi nesayensi. EMBO Reports, 13(5), 398-403. https://doi.org/10.1038/embor.2012.50
