Yadda ake Biyan Sabon Maganin RRMS

Wadatacce

• 1. Idan baka da inshorar lafiya, dauki matakan samun inshora
• 2. Fahimta da samun mafi kyawun inshorar lafiyar ku
• 3. Yi magana da likitan ku na MS don taimakawa samun inshora don maganin RRMS ɗin ku
• 4. Saduwa da shirye-shiryen taimakon kudi
• 5. Kasancewa cikin gwaji na asibiti don MS
• 6. Yi la'akari da yawan jama'a
• 7. Sarrafa dukiyar ka
• Takeaway

Magungunan gyaran ƙwayoyin cuta don sake dawowa-ƙaddamar da ƙwayar cuta mai yawa (RRMS) suna da tasiri don jinkirta jinkirin fara nakasa. Amma waɗannan magunguna na iya tsada ba tare da inshora ba.

Karatuttukan sun kiyasta cewa farashin shekara-shekara na maganin MS na ƙarni na farko ya karu daga $ 8,000 a cikin 1990s zuwa fiye da $ 60,000 a yau. Hakanan, kewaya cikin sarkakiyar tsarin inshora na iya zama ƙalubale.

Don taimaka maka riƙe kwanciyar hankali na kuɗi yayin daidaitawa zuwa rashin lafiya mai tsanani kamar MS, anan akwai ingantattun hanyoyi guda bakwai don ƙirƙirar sabon maganin RRMS.

1. Idan baka da inshorar lafiya, dauki matakan samun inshora

Yawancin ma'aikata ko manyan kamfanoni suna ba da inshorar lafiya. Idan wannan ba lamari bane a gare ku, ziyarci healthcare.gov don ganin zaɓinku. Yayinda lokacin yin rajista na al'ada na shekara ta 2017 ya kasance ranar 31 ga Janairu, 2017, har yanzu kuna iya cancanta don lokacin yin rajista na musamman ko na Medicaid ko suranceungiyar Inshorar Kiwan Lafiyar Yara (CHIP).

2. Fahimta da samun mafi kyawun inshorar lafiyar ku

Wannan yana nufin yin nazarin shirin lafiyarku don fahimtar fa'idodin ku, da kuma iyakokin tsare-tsare. Yawancin kamfanonin inshora sun fi son kantin magani, suna rufe takamaiman magunguna, suna amfani da kuɗin da aka biya, kuma suna amfani da wasu iyakokin.

Multiungiyar Multiple Sclerosis Society ta tattara jagorar taimako ga nau'ikan inshora daban-daban, da kuma albarkatu don marasa inshora ko waɗanda ba su da inshora.

3. Yi magana da likitan ku na MS don taimakawa samun inshora don maganin RRMS ɗin ku

Likitocin na iya gabatar da izini na gaba don ba da hujjar likita don karɓar takamaiman magani. Wannan yana haɓaka damar da kamfanin inshorarku zai rufe maganin. Bugu da kari, yi magana da masu kula a cibiyar ku ta MS don fahimtar abin da inshorar ku ta rufe kuma baya rufewa saboda haka ba ku mamakin farashin lafiyar ku.

4. Saduwa da shirye-shiryen taimakon kudi

Multiungiyar Multiple Sclerosis Society ta tattara jerin shirye-shiryen taimakon masana'anta don kowane magani na MS. Bugu da kari, ƙungiyar masu binciken MS daga cikin al'umma na iya amsa takamaiman tambayoyi. Hakanan zasu iya taimakawa tare da canje-canje a cikin manufofin inshora, nemo tsarin inshora daban, rufe biyan kuɗi, da sauran bukatun kuɗi.

5. Kasancewa cikin gwaji na asibiti don MS

Waɗanda ke shiga cikin gwaji na asibiti suna taimakawa ci gaba da maganin MS, kuma galibi suna karɓar magani kyauta.

Akwai gwaje-gwaje iri-iri na asibiti. Gwajin gwaji yana ba da maganin MS yayin kulawa da mahalarta tare da ƙarin gwajin bincike.

Gwaje-gwajen da bazuwar za su iya samar da ingantaccen magani wanda har yanzu Hukumar Kula da Abinci da Magunguna ta Amurka (FDA) ba ta amince da shi ba. Amma akwai damar da mahalarta za su iya karɓar placebo ko wani tsoffin likitancin MS da aka yarda da FDA.

Yana da mahimmanci fahimtar fa'idodi da haɗarin shiga cikin gwaji na asibiti, musamman ga hanyoyin kwantar da hankali waɗanda ba a yarda da su ba tukuna.

Tambayi likitanku game da gwajin asibiti a yankinku, ko kuyi binciken ku akan layi. Multiungiyar Multiungiyar lewararrun lewararrun lewararrun Nationalasa tana da jerin gwajin gwaji da aka gudanar a ƙasar.

6. Yi la'akari da yawan jama'a

Mutane da yawa da ke da babban bashin magani sun koma neman tarin jama'a don neman taimako. Duk da yake wannan yana buƙatar wasu ƙwarewar talla, labari mai tursasawa, da kuma wasu sa'a, ba hanya ce mara kyau ba idan ba a samu wasu zaɓuɓɓuka ba. Binciki YouCaring, shafin yanar gizo mai tarin jama'a.

7. Sarrafa dukiyar ka

Tare da kyakkyawan shiri, ganewar asali na MS ko wani yanayin rashin lafiya na yau da kullun bazai haifar da rashin tabbas na kuɗi ba. Yi amfani da wannan damar don fara sabon kuɗi. Yi alƙawari tare da mai tsara shirin kuɗi, kuma ku fahimci matsayin ragin likita a cikin dawo da haraji.

Idan kun sami babbar nakasa saboda MS, yi magana da likitanka game da neman inshorar nakasa ta Social Security.

Takeaway

Kada ku bari kuɗi su hana ku karɓar maganin MS wanda ya dace da ku. Yin magana da likitan ku na MS shine kyakkyawan matakin farko. Sau da yawa suna da damar samun albarkatu masu mahimmanci kuma suna iya yin shawarwari a madadinku fiye da sauran membobin ƙungiyar kulawarku.

Responsibilityauki alhakin kuɗin ku, kuma ku sani cewa mai yiwuwa ne ku rayu rayuwa mai ba da lada da zaman kanta duk da ciwon MS.

Bayyanawa: A lokacin wallafawa, marubucin ba shi da dangantaka ta kuɗi tare da masana'antun maganin MS.