Izindleko ze-IVF e-Ohio: Okuzobiza ukwelashwa kwe-IVF e-Ohio
In vitro fertilization (IVF) iletha ithemba kubantu abaningi kanye nemibhangqwana ebhekene nezinkinga zokungabi nabantwana. Nokho, imiphumela yezimali yale teknoloji ephambili yokuzala ingaba nzima. Kulabo abacabanga nge-IVF e-Ohio, ukuqonda izindleko ezihambisanayo, umshuwalense okhokhayo, nezinketho zokuxhasa ngezimali ezitholakalayo kubalulekile.
Izindleko ze-IVF ziyahlukahluka ngokuya ngezinto eziningana, kuhlanganise nesikhungo, ukwelashwa okuthile okudingekayo, nezinsizakalo ezingeziwe. E-Ohio, izindleko esimaphakathi zomjikelezo owodwa we-IVF zisukela ku-$10,000 ziye ku-$12,400, kungabalwa imithi nokuhlolwa. Imithi ingangeza olunye u-$3,000 kuya ku-$5,000 enanini eliphelele lezindleko [1].
Ezinye izikhungo zezokwelapha e-Ohio zinikeza amaphakheji aphelele kakhulu. Isibonelo, SpringCreek Fertility e-Centerville inikeza umjikelezo we-IVF ngo-$8,700, okuhlanganisa ukuqapha, i-ultrasound, umsebenzi wegazi, ukulungiswa kwesidoda, ukukhipha amaqanda, ukukhuliswa kwembungu, nokufakelwa embungwini. Nokho, izinsizakalo ezingeziwe ezifana ne-anesthesia, i-Intracytoplasmic Sperm Injection (ICSI), nokugcinwa kwembungu zibiza imali eyengeziwe.
Izinto Ezithinta Izindleko ze-IVF e-Ohio
Izinto ezimbalwa zingathinta izindleko eziphelele ze-IVF:
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Imithi: Ngokuya ngemithi ebekelwe wena kanye nemithamo yayo, izindleko zemithi\_zingahluka zisuke ku-$50 ziye ku-$4,000.
- Imihlahlandlela Engeziwe:\_Amasu afana ne-ICSI, ukuhlolwa kofuzo kwangaphambi kokufakelwa embungwini (PGT), nokubandwa kwembungu kungakhuphula izindleko. Ukusebenzisa i-Conceive Plus Fertility Lubricant, ecebile ngama-ion e-calcium ne-magnesium, kungasiza ukusekela ukusimama nokunyakaza kwesidoda, okuyizinto ezibalulekile ekwandiseni amathuba empumelelo ngesikhathi sokwelashwa kwe-IVF.\_Isibonelo, i-PGT ingabiza cishe u-$3,500 [3].
- Inani Lemijikelezo: Amazinga empumelelo e-IVF ayahluka, futhi kungase kudingeke imijikelezo eminingana, okuholela ezindlekweni eziphelele eziphezulu.
Ukumbozwa komshwalense we-IVF e-Ohio
I-Ohio imisa umthetho wokuthi i-Health Maintenance Organizations (Ama-HMO) bamboza izinsizakalo eziyisisekelo zokunakekelwa kwezempilo ezibhekwa njengezidingekile ngokwezokwelapha, kuhlanganise nezinsizakalo zokungabi nabantwana. Nokho, lo mthetho ugxile kakhulu ezinqubweni zokuxilonga nokuhlola. Ukwelashwa okuthuthukile njenge-IVF, i-Gamete Intrafallopian Transfer (GIFT), ne-Zygote Intrafallopian Transfer (ZIFT) akudingi ukuthi kumbozwe ngaphansi kwalo mthetho.
Kubabalulekile ukuthi iziguli zibonisane nabahlinzeki bazo bomshwalense ukuze ziqonde imininingwane ethile yokumbozwa kwazo. Ezinye izinhlelo zinganikeza ukumbozwa okuyingxenye noma zibe nemibandela ethile yokufaneleka. Ngaphezu kwalokho, abaqashi abazikhokhelayo umshwalense nezinkampani ezinkulu bangase bangaboshwa yilezi zimfuneko [2].
Izinketho zokuxhaswa ngezimali neminikelo
Ngenxa yezindleko ezinkulu ezihambisana ne-IVF, abantu abaningi bafuna ezinye izindlela zokuxhaswa ngezimali:
- Izikweletu nezinhlelo zokuxhasa ngezimali: Ezinye izikhungo zokwelapha ukungabi nabantwana zibambisana nezikhungo zezezimali ukunikeza izikweletu noma izinhlelo zokukhokha ezenzelwe ukwelashwa kokungabi nabantwana. Iziguli zingaphinde zibheke izikweletu zomuntu siqu ezivela emabhange noma ema-credit union.
- Iminikelo nemifundaze: Izinhlangano eziningi zisiza ngokwezimali imibhangqwana edlula ekwelashweni kokungabi nabantwana. Le minikelo ingasiza ukunciphisa ezinye zezindleko ezihambisana ne-IVF.
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Izinhlelo zezaphulelo: I-Compassionate Care inikeza izaphulelo emithini yokukhulisa inzalo, okunganciphisa izindleko eziphelele ngo-50% kuya ku-75% ezigulini ezifanelekile.
Amasu okonga izindleko
Ukuze ubhekane nomthwalo wezezimali we-IVF, cabangela lezi zindlela ezilandelayo:
- Ama-Health Savings Accounts (HSAs) kanye nama-Flexible Spending Accounts (FSAs): Lawa ma-akhawunti avumela abantu ukuthi babeke imali eceleni bengakayikhokhi intela ukuze bayisebenzise ezindlekweni zezokwelashwa, kuhlanganise nokwelashwa kokungabi nabantwana, ngaleyo ndlela kwehla imali ebekelwe intela.
- Ukwehliswa kwentela: Izindleko zezokwelashwa ezidlula iphesenti elithile lemali engenayo elungisiwe zingase zikhishwe enteleni. Ukubonisana nochwepheshe wentela kungakunikeza ukuqonda okucacile mayelana nokwehliswa kwentela okungenzeka okuhlobene nokwelashwa kokungabi nabantwana.
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Izinhlelo Ezikhethekile Zezikhungo: Ezinye izikhungo zinikeza izinhlelo “zobungozi obabiwane” noma izinhlelo zokubuyiselwa imali, lapho iziguli zikhokha imali enkulu ekuqaleni kodwa zithola ukubuyiselwa imali uma ukwelashwa kungaphumeleli. Isibonelo, I-Gynecology Yokuzala e-Ohio inikeza uhlelo lesiqiniseko sika-100%, olufaka imijikelezo eminingi kanye nokubuyiselwa imali uma ukukhulelwa kungafezeki.
Isiphetho
Ukuphatha ingxenye yezezimali yezindleko ze-IVF e-Ohio kudinga ucwaningo olunzulu nokuhlela kusenesikhathi. Ngokuzwa izindleko ezibandakanyekayo, ukuhlola ukumbozwa komshwalense, nokucabangela izinhlelo ezahlukene zokuxhasa ngezimali, abantu nababambisene nabo bangathatha izinqumo ezinolwazi endleleni yabo eya ebunina nasebobubaba. Kunconywa ukukhuluma nochwepheshe bokuzala kanye nabacebisi bezimali ukuze kusungulwe uhlelo olubanzi olwenziwe ngendlela efanele izimo zomuntu ngamunye.
Kulabo abafuna izindlela zokwelashwa kokungabi nabantwana ngaphandle kwe-Ohio, ukuhlola izikhungo ze-IVF zaseNashville kunikeza ukubuka kafushane ezinye zezikhungo zokuzala ezisezingeni eliphezulu ezinikeza ukunakekelwa kokuzala okuthuthukile.
Imithombo
- Peipert BJ, Montoya MN, Bedrick BS, Seifer DB, Jain T. Umthelela wemithetho yezwe mayelana nokufakelwa imbewu ngaphandle kwesibeletho (in vitro fertilization) yokumbozwa komshwalense wabaxhasi bomuntu wesithathu e-United States: ukubuyekeza nokuhlolwa okubucayi. Reprod Biol Endocrinol. 2022 Aug 4;20(1):111. https://pmc.ncbi.nlm.nih.gov/articles/PMC9351254/#CR19
- Ha M, Drees A, Myers M, Finkelstein ER, Dandulakis M, Reindorf M, Roque DM, Beall SA, Slezak S, Rasko YM. Ukufakelwa imbewu ngaphandle kwesibeletho (in vitro fertilization): ukuhlaziywa okuyinqamulo (cross-sectional analysis) kwezinkampani zomshwalense ezingama-58 zase-US. J Assist Reprod Genet. 2023 Mar;40(3):581-587. doi:10.1007/s10815-022-02697-5. Epub 2022 Dec 21. PMID: 36542313; PMCID: PMC10033791.
- Izindleko Zokuhlolwa Kofuzo Ngaphambi Kokufakelwa (Preimplantation Genetic Testing, PGT). Advanced Fertility. Kufinyelelwe: Novemba 25, 2024. https://advancedfertility.com/fertility-treatment/affording-care/pgd-cost/
