Yimalu Kangakanani Ngempela Ukuhlolwa Kwe-STD Ezingxenyeni Zokunakekelwa Okungiphuthumayo?

Ukuhlolwa kwe-STD ezingxenyeni zokunakekelwa okungaphuthumayo kuvame ukubiza phakathi kuka-R960 no-R4,800 ngaphandle komshwalense, kuye ngokuthi yiziphi izivivinyo ozidingayo nokuthi uya kuphi. Lolo hlu lungaba lubanzi kakhulu, futhi lungakwenza uzibuze ukuthi uzokhokha malini ngempela lapho ungena ezindlini zabo. Izindaba ezinhle ukuthi izikhungo zokunakekelwa okungaphuthumayo ngokuvamile zishibhile kunezigqoko zezingozi futhi zingakuhlola ngokushesha ngaphandle kokudinga isikhathi nodokotela wakho oyinhloko.

Kungani Izindleko Zokuhlolwa Kwe-STD Zihlukahluka Kangaka?

Intengo oyikhokhayo incike ezintweni ezimbalwa ezisebenza ndawonye. Akuzona zonke izivivinyo ze-STD ezibiza imali efanayo ukuthi ziphumelele elabhorethri. Ezinye izifo zidinga izivivinyo ezilula zomchamo, kanti ezinye zidinga imisebenzi yegazi noma ama-swabs adinga ukuhlaziywa okuyinkimbinkimbi kakhulu.

Indawo yakho nayo idlala indima enkulu. Izikhungo zokunakekelwa okungaphuthumayo emadolobheni amakhulu ngokuvamile zikhokhiswa kakhulu kunezingase zimadolobheni amancane. Ilabhorethri abayisebenzisayo, izindleko zabo zokusebenza, kanye nomncintiswano wendawo konke kuthonya isimiso sabo sezintengo.

Umgcinimishwalense kwenza umehluko omkhulu kulokho ozokhokha ngempela. Uma unomshwalense wezempilo, uhlelo lwakho lungase lumboze ngokuphelele ukuhlolwa kwe-STD okuyisivikelo noma ludinge nje i-copay. Ngaphandle komshwalense, uzokhokha isilinganiso esigcwele sokuzihlawulela, esikhungo sokunakekelwa okungaphuthumayo ngezinye izikhathi esisihlisa uma siqhathaniswa nezilinganiso zabo ezine-insured.

Yiziphi Izivivinyo Ezithile Ongazidinga?

Izidingo zakho zokuhlola zincike ezimpawu zakho, umlando ocansini, kanye nezingozi zokuchayeka. Umhlinzeki wezempilo uzokusiza ukuthi uthole ukuthi yiziphi izivivinyo ezenza umqondo esimweni sakho. Ukuqonda ukuthi isivivinyo ngasinye sibheka ini kungakusiza ube nengxoxo enolwazi olwengeziwe.

Nansi lokho izivivinyo ezahlukene ezihlala zihlola, kugcinwe engqondweni ukuthi ungadinga eyodwa noma eziningana:

• Ukuhlolwa kwe-Chlamydia ne-gonorrhea, okwenziwa ngokuvamile nesampuli yomchamo noma i-swab, kubiza cishe u-R580 no-R1,540 kokubili

• Ukuhlolwa kwe-HIV kusuka ku-R770 no-R1,930 futhi kusebenzisa isampuli yegazi ukuthola igciwane

• Ukuhlolwa kwe-Syphilis kubiza cishe u-R580 no-R1,350 futhi kudinga imisebenzi yegazi ukuze kutholwe ama-antibodies

• Ukuhlolwa kwe-Herpes kubiza u-R960 no-R1,930 ngezivivinyo zegazi ezithola ama-antibodies we-HSV-1 kanye ne-HSV-2

• Ukuhlolwa kwe-Hepatitis B ne-C kubiza u-R770 no-R1,540 ngayinye ngezivivinyo zegazi

• Ukuhlolwa kwe-Trichomoniasis kwengeza enye u-R580 no-R1,150 futhi kusebenzisa i-swab noma isampuli yomchamo

Lezi zindleko ngazinye zingakhuphuka ngokushesha uma udinga ukuhlolwa okuphelele. Izikhungo eziningi zokunakekelwa okungaphuthumayo zinikeza izivivinyo zamaphaneli ezihlanganisa izivivinyo ezijwayelekile ze-STD ndawonye ngentengo ephansi kancane kunokuba ufake ngamunye ngokwehlukana.

Ingabe Umshwalense Ngokuvamile Ugubungela Ukuhlolwa Kwe-STD?

Izinhlelo eziningi zomshwalense wezempilo zigubungela ukuhlolwa kwe-STD, kodwa imininingwane ibaluleke kakhulu. Ngaphansi koMthetho Wokunakekelwa Okungabizi (Affordable Care Act), amasevisi amaningi okuvimbela okuhlanganisa ukuhlolwa kwe-STD okuthile kufanele ambozwe ngaphandle kwezindleko kubantu abahlangabezana nemibandela ethile.

Ukumbozwa kwakho kuvame ukuncika esizweni osihlolwa ngaso. Uma unezimpawu ezifana nokudonsa okungajwayelekile, ukusha lapho ucubuka, noma izilonda, umshwalense uvame ukukubheka njengokuhlolwa okutholayo. Lokhu kuvame ukusho ukuthi uzokhokha i-copay yakho evamile noma i-coinsurance ngemuva kokuhlangabezana ne-deductible yakho.

Ukuhlolwa ngaphandle kwezimpawu kubhekwana ngendlela ehlukile. Ukuhlolwa konyaka kwe-chlamydia ne-gonorrhea kugubungelwe abesifazane abasebenza ngokocansi abangaphansi kweminyaka engu-25. Ukuhlolwa kwe-HIV kugubungelwe bonke abaneminyaka engu-15 kuya ku-65, kanye nabantu abancane nabangaphezulu abasengozini enkulu.

Uhlelo lwakho oluthile lunquma ukuthi uzokhokha malini ngempela. Ezinye izinhlelo zigubungela ukuvakashelwa kwezikhungo zokunakekelwa okungaphuthumayo nge-copay eyisicaba ye-R960 kuya ku-R2,880. Ezinye zidinga ukuthi uhlangabezane ne-deductible kuqala, okusho ukuthi uzokhokha yonke imali kuze kube yilapho ufinyelela kuleyo ntambo.

Kuthiwani Uma Ungenawo Umshwalense?

Ukukhokha ngaphandle kwesikhwama akusho ukuthi uphelelwe yizinketho. Izikhungo eziningi zokunakekelwa okungaphuthumayo zinikeza izaphulelo zokuzihlawulela ezinciphisa isikweletu esiphelele ngo-20 kuye ku-40%. Bayazi ukuthi iziguli ezingenawo umshwalense zizwelana namanani futhi bavame ukulungisa izilinganiso zabo ngokufanele.

Ungacela ngamanani ngaphambi kokuhlolwa. Shayela kusengaphambili futhi uchaze ukuthi yiziphi izivivinyo ocabanga ukuthi uzidinga. Abasebenzi abaningi abasekhaya bangakunika isilinganiso esicacile, futhi ezinye izikhungo zishicilela izilinganiso zazo zokuzihlawulela ku-inthanethi.

Izinhlelo zokukhokha ziyindlela enye ewufanele ukuyihlola. Ezinye izikhungo zokunakekelwa okungaphuthumayo zizokuvumela ukuthi uhlukanise izindleko ezinyangeni ezimbalwa ngaphandle kwenzalo. Lokhu kungenza isikweletu sokuhlolwa esingu-R3,850 sizwakale singcono lapho sihlukaniswa izinkokhelo ezi-R960.

Nokho, kukhona nezinye izindlela ezishibhile ongazicubungula. Izikhungo zezempilo zomphakathi zinikeza ukuhlolwa kwe-STD ngesilinganiso sezintengo eziguquguqukayo esisekelwe emalini oyihlayo. Imicinyi yezempilo yomphakathi ngokuvamile ihlinzeka ngokuhlolwa okungabizi noma okungabizi kakhulu, kodwa ungase ulinde isikhathi eside ukuze uthole isikhathi.

Ingabe Kukhona Izindleko Ezifihliwe Ongafanele Uzazi?

Izindleko zokuhlolwa ngokwazo zitshela ingxenye eyodwa kuphela yendaba. Ukuqonda isithombe esigcwele kukusiza uhlele isabelo sakho ngokunembayo futhi ugweme izikweletu ezingalindelekile kamuva.

Isimemezelo sesikhungo sokunakekelwa okungaphuthumayo siyeza kuqala. Lokhu kumboza ukuvakashelwa komhlinzeki uqobo futhi kuvame ukubiza u-R1,930 kuya ku-R3,850 ngaphandle komshwalense. Ezinye izikhungo zifaka lokhu esilinganisweni sezivivinyo zazo, kanti ezinye zikukhokhisela ngokuhlukene.

Izindleko zokucubungula ilabhorethri zingavela njengezindleko ezihlukene. Ngisho noma isikhungo sokunakekelwa okungaphuthumayo siqoqa amasampuli akho, ngokuvamile siyawathumela elabhorethri yangaphandle. Ungathola isikweletu ngqo kusuka kuleyo laborhri amasonto kamuva.

Izindleko zokulandelela zibalulekile uma isivivinyo sakho siphumela sibe positive. Ukwelashwa kwezifo ezibangelwa amagciwane njenge-chlamydia kuvame ukufaka ama-antibiotic abiza u-R193 no-R960. Izifo eziyinkimbinkimbi kakhulu zingadinga ukuvakashelwa okwengeziwe noma imithi kadokotela eyengeza ezindlekweni zakho.

Ukuhlolwa okuqinisekisa kwenzeka ezimweni ezithile. Uma uphumela positive ezifweni ezithile, umhlinzeki wakho angakukhuthaza ukuthi uphinde uhlole noma wenze ukuhlolwa okwengeziwe ukuze uqinisekise ukutholwa kwesifo. Lokhu kuphindeka kabili izindleko zakho zokuhlola kodwa kuqinisekisa ukunemba ngaphambi kokuqala ukwelashwa.

Nini Okufanele Ukhethe Ukunakekelwa Okungaphuthumayo Kunye Ezinye Izinketho?

Ukunakekelwa okungaphuthumayo kugcwalisa indawo ethile ohlelweni lwezempilo. Ukuqonda ukuthi nini okunengqondo kakhulu kungakongela imali nesikhathi.

Uma unezimpawu ezikukhathazayo njengamanje, ukunakekelwa okungaphuthumayo kunikeza ukufinyelela okusheshayo. Awudingi isikhathi, futhi izikhungo eziningi zingakuhlola ngosuku olufanayo. Lokhu kubalulekile lapho uzizwa ungakhululekile noma ukhathazekile mayelana nokuchayeka okunokwenzeka.

Ukutholakala ngamaholide nangokuhlwa kunikeza ukunakekelwa okungaphuthumayo inzuzo esebenzayo. Ihhovisi lodokotela wakho oyinhloko lingase livalwe, kodwa izinkinga ze-STD azilindi amahora okusebenza. Ukunakekelwa okungaphuthumayo kugcwalisa leso sikhala lapho udinga izimpendulo maduze.

Izindleko ezibhekene nezindleko zishintsha kuye ngesimo sakho. Uma unomshwalense one-coverage yokunakekelwa okungaphuthumayo, kungabiza cishe into efanayo nokubona udokotela wakho ojwayelekile. Ngaphandle komshwalense, ukuqhathanisa amanani phakathi kokunakekelwa okungaphuthumayo kanye nezikhungo zezempilo zomphakathi kukusiza ukuthi ukhethe okonga kakhulu.

Izikhungo zezingozi kufanele zigcinelwe izimo eziphuthumayo zangempela. Ziyinketho ebiza kakhulu kude, ngokuvamile zibiza u-R9,600 kuya ku-R57,600 kuphela ngesimemezelo sesikhungo ngaphambi kokuhlolwa. Ngaphandle kokuba unezimpawu eziqatha njengomkhuhlane omkhulu, ubuhlungu obukhulu, noma ubunzima bokuphefumula, ukunakekelwa okungaphuthumayo kungakwenza ukuhlolwa kwe-STD ngendlela efanayo.

Ungazithola Kanjani Inani Elikhulu Lemali Yakho?

Ukuba umthengi wezempilo ohlakaniphile kusho ukubuza imibuzo efanele nokwazi izinketho zakho. Ukulungiselela okuncane kuhamba ibanga elide ekulawuleni izindleko.

Shayela kusengaphambili futhi ubuze ngezindleko ezitholakala ngaphambi kokuvakashelwa kwakho. Yiba nomthamo mayelana nokuthi yiziphi izivivinyo ocabanga ukuthi uzidinga. Cela isilinganiso esigcwele esihlanganisa isimemezelo sesikhungo, izindleko zokuhlola, nezinye izindleko ongabhekana nazo.

Letha ikhadi lakho lomshwalense ngisho noma ungavamile ngomshwalense wakho. Isikhungo sokunakekelwa okungaphuthumayo singahlola izinzuzo zakho futhi sikutshele ukuthi uzodlula malini. Lokhu kugwema izimangaliso futhi kukusiza ukuthi unqume ukuthi ngabe uzoqhubeka nokuhlolwa.

Buza mayelana nokuhlolwa kwamaphaneli uma udinga izikrini eziningi ze-STD. Izivivinyo ezihlanganisiwe ngokuvamile zibiza kancane kunokuba ufake ngamunye ngokwehlukana. Ukonga kungase kube okuncane, kodwa kuyandeka lapho uzikhokhela wena.

Cabanga ngesikhathi sakho uma isimo singekho esiphuthumayo. Ezinye izikhungo zokunakekelwa okungaphuthumayo ziqalisa izimemezelo noma zinikeza izilinganiso eziphansi phakathi nezikhathi ezimfushane. Uma ungakwazi ukulinda izinsuku ezimbalwa futhi izimpawu zakho azibi zinkulu, leli thuba lokuguquguquka lingakongela imali.

Kwenzeka Kanjani Ngemuva Kokuhlolwa?

Ukuqonda inqubo ngale kokuhlolwa kwangempela kusiza ukusetha okulindelekile okungokoqobo. Ukwazi ukuthi kuyini okuzayo kunciphisa ukukhathazeka futhi kukusiza uhlele ngokufanele.

Imiphumela kuvame ukuthatha usuku olulodwa kuya kwezintathu kwezivivinyo eziningi ze-STD ezijwayelekile. Ezinye izikhungo zokunakekelwa okungaphuthumayo zingaqalisa izivivinyo ezingaphuthumayo ze-HIV nemiphumela engu-20. Ukuhlolwa okuyinkimbinkimbi kakhulu okudinga umsebenzi owengeziwe welabhorethri kungathatha amasonto afika kwasekwelwe.

Uzothola imiphumela yakho ngayo yonke indlela isikhungo esiyisebenzisayo. Izikhungo eziningi zokunakekelwa okungaphuthumayo manje zinezindawo zabasebenzisi lapho imiphumela ivela khona ku-inthanethi. Ezinye ziyakubiza ngqo, ikakhulukazi uma kukhona okutholakalayo okufanele kugxiliswe kuso ngokushesha.

Imiphumela engemihle kuvame ukusho ukuthi ungajabulela kakhulu. Umhlinzeki uvame ukukhuthaza ukuhlolwa kabusha uma usebengeni elithile ngemuva kokuchayeka. Ezinye izifo azivelisi ngokushesha, ngakho isikhathi sibalulekile ekunembeni.

Imiphumela emihle iholela engxoxweni ngokuphathelene nokwelashwa. Umhlinzeki wokunakekelwa okungaphuthumayo angabhalela imithi yezifo ezibangelwa amagciwane njenge-chlamydia noma i-gonorrhea ngokushesha. Izifo zamagciwane ezifana ne-herpes noma i-HIV zidinga ukunakekelwa okukhethekile, futhi bazokusiza uxhumane nezinsiza ezifanele.

Ingabe Kukhona Izinkinga Zezindleko Ezingavamile Ongabhekana Nazo?

Abantu abaningi banolwazi oluqondile ngezindleko zokuhlolwa kwe-STD, kodwa izimo ezingavamile zibangela ubunzima obungalindelekile. Ukwazi lezi zindleko ezibalulekile kusiza wena uzinqobe uma zivela.

Izindleko ezingaphandle kwenethiwekhi zingakushaqisa uma ungaxwayi. Ezinye izinhlelo zomshwalense zikhokhisela ukunakekelwa okungaphuthumayo kuphela ezikhungweni ezithile. Ukuya esikhungweni esingaphandle kwenethiwekhi kungakushiya nesikweletu esigcwele ngisho noma unomshwalense.

Ukukhokhiswa kweBalance kwenzeka ezifundeni ezithile lapho abahlinzeki bekukhokhisela umehluko phakathi kwalokho umshwalense awukhokha kanye nalokho ababefuna ukukukhokhisela khona. Lo mkhuba awusemthetho ezindaweni eziningi manje, kodwa usazokwenzeka. Uma uthola isikweletu esibonakala siphezulu kakhulu kunokulindelekile, usibuze futhi uthinte inkampani yakho yomshwalense.

Amabhalansi aphindayo ngezinye izikhathi aphuma. Ungase ubhalwe ngokwehlukana isikhungo sokunakekelwa okungaphuthumayo, ilabhorethri, ngisho neqembu lodokotela elihlala esikhungweni. Buyekeza zonke izikweletu ngokucophelela bese ushayela ukuze ucacise uma ubona izindleko ezibonakala ziphindeka.

Lezi zimo azivamile kakhulu, kodwa ziyenzeka. Ukugcina amarekhodi amahle walokho okhokhiselwe, yiziphi izinsizakalo ozitholile, nokuthi yimalini osuvele uyikhokhile kusiza ukuxazulula noma yiziphi izinkinga zezikweletu ngokushesha.

Kuthiwani Ngamathuba Okuhlolwa Kwamahhala Noma Okungabizi Kakhulu?

Uma izindleko ziyisikhathazeka esikhulu, kunezindlela ezimbalwa ezihlukile ekunakekelweni okungaphuthumayo okufanele uzazi. Lezi zinketho zingadinga isineke esikhulu, kodwa zinganciphisa kakhulu umthwalo wakho wezimali.

Imicinyi yezempilo yendawo ngokuvamile ihlinzeka ngokuhlolwa kwe-STD nokwelashwa kwamahhala. Zihlongozwe ngokuqondile ukuvimba ukusakazeka kwezifo zocansi emphakathini wazo. Inkinga ukuthi izikhathi zingase zibe amasonto kude, futhi amahora angase anqunyelwe.

I-Planned Parenthood kanye nemitholampilo efanayo yezempilo yokuphindaphinda inikeza izindleko eziguquguqukayo ezisekelwe emalini. Uma ufaneleka, ungase ukhokhe u-R0 noma inani elincane kakhulu. Banikeza izinsizakalo eziphelele zezempilo yocansi ezihlanganisa ukuhlolwa, ukwelashwa, nokwelulekwa.

Izikhungo zezempilo zamanyuvesi zisebenzela abafundi ngemali encane noma engenayo. Uma ubhalise enyuvesi, hlola ukuthi iziphi izinsizakalo ezikhokhiswa imali yakho yezempilo yabafundi. Amanyuvesi amaningi afaka ukuhlolwa kwe-STD njengengxenye yezinsizakalo zayo eziyisisekelo zezempilo.

Izikhungo zezempilo zomphakathi zithola imali evela kuhulumeni ukusebenzela iziguli ezingenawo umshwalense nezingenawo umshwalense kancane. Kufanele zikubone kungakhathalekile ukuthi ungakwazi ukukhokha. Izindleko zakho zincike ku-sliding scale ehola iholo lomndeni wakho nosayizi.

Lezi zindlela ezihlukile zisebenza kahle lapho udinga ukuhlolwa kodwa ungazozwa izimpawu eziphuthumayo. Azifaneleki kakhulu uma uzwa ubuhlungu noma ukukhathazeka okudinga ukunakwa ngokushesha. Kulezo zimo, isivinini nokulungela kokunakekelwa okungaphuthumayo kungase kube nenani elengeziwe.

Uzobona Kanjani Okulungele Wena?

Ukukhetha ukuthi uzohlolwa kuphi kuhlanganisa ukulinganisa izici eziningana ezibaluleke kakhulu kumuntu ngamunye. Ayikho impendulo eyodwa eyiyo esebenza kuwo wonke umuntu kuzo zonke izimo.

Cabanga ngezimpawu zakho kuqala. Uma ubuhlungu, unenkomo engajwayelekile, noma ubona izilonda, ukuhlolwa ngokushesha kubaluleke kakhulu kunokuthola inketho eshibhe kakhulu. Impilo yakho nokuthula kwengqondo nakho kunezindleko.

Cishe ngokuphathelene nesimo sakho sezimali ngokunembayo. Uma ukuchitha u-R2,880 ekunakekelweni okungaphuthumayo kungakubeka engcupheni yesabelo sakho, ukuhlola izinketho zamahhala noma ezingabizi kakhulu kwenza umqondo. Ngakolunye uhlangothi, uma ukwazi ukukhokhela futhi ufuna imiphumela esheshayo, ukunakekelwa okungaphuthumayo kunikeza ukulungela.

Bala ngokucophelela umshwalense wakho. Ucingo olusheshayo enkampanini yakho yomshwalense lucacisa ukuthi uzokhokha malini ngempela. Uma uhlelo lwakho lugubungela ukunakekelwa okungaphuthumayo nge-copay engu-R770 nje, lokho kungase kube inketho yakho engenayo ngisho nasezikhungweni zomphakathi ezithile.

Ukuzizwa kwakho kwakho kubaluleke kakhulu kunalokho ongacabanga. Abanye abantu bazizwa bekhululekile ezikhungweni zokunakekelwa okungaphuthumayo ezibukeka njengezihlinzo zezokwelapha ezijwayelekile. Abanye bakhetha indawo ekhethekile, engenamahloni yezikhungo zezempilo yocansi. Khetha indawo lapho uzizwa ukhululekile ukuba noqotsho ngoqotsho ngomlando wakho ocansi.

Khumbula ukuthi ukuhlolwa kuyinto eyempela ebalulekile. Indawo ethile oyikhethayo ayibalulekile kangako kunokugcina impilo yakho yocansi. Noma iyiphi inketho oyikhethayo, wenza isinqumo esinomthwalo wemfanelo esivikela wena nabalingani bakho.