Ngubani ohlawulela ukuCoca, ukuThuthukiswa, kunye neNdleko yokuPhepha kwePlastiki?
Umgaqo-nkqubo wakho we-inshorensi yempilo unokuhlawula ukuhlinzwa ngoplastiki ngokuxhomekeka kwimimiselo kunye neemeko zesicwangciso sakho se-inshorensi yempilo ukuba utyando lucatshangelwa ukuba lwakhiwe ngokutsha kwaye lungabonakali.
Ngokutsho kweMerika Society of Surgeons, i-dollar 13.5 yezigidi yayisetyenziselwa ukuhlinzwa ngoplastiki e-US ngo-2015. Oku kuphuma kwimali eninzi kwiirhafu zonyango, ngoko ke ngubani ohlawula iindleko zokuhlinzwa zeplastiki?
Impendulo yalo mbuzo incike kwizinto ezininzi.
Ingaba Intshuwalense Yempilo Iyifaka Nani Ubungqina Bokuhlinzwa Ngeplastiki?
Ngubani ohlawula iindleko zokuhlinzwa ngeplastiki kuxhomekeke kwinkampani yakho yomshuwalense kunye nendlela inqubo oyifunayo ichazwa ngayo. Ukuchonga ukuba inkqubo iya kubalwa, Kubalulekile ukufumanisa ukuba:
- utyando lugcoba
- kwakhona
- okanye kubalulekile kumsebenzi womzimba okanye ukugcina umgangatho wakho wobomi
Iimpendulo zale mibuzo ziyinxalenye yenkqubo yokuchonga ukuba iya kugutyungelwa.
Nangona iinkqubo ze-inshorensi zingahluka ngokubhekiselele kwinto enokuqwalaselwa kwenkqubo, kukho iikhokelo ezininzi zeenkampani ze-inshorensi ezihambelanayo xa kuziwa kwiinkcazo zento ethathwa njengento yokuvuselela okanye eyimfuneko kunye nento ethathwa njengezonyango.
Ziziphi iiNkcazo Kubalulekile Ukuqonda Ukuba UkuPhepha kwePlastiki kuViweyo okanye kungabhalwa yiNtshuwalense yezeMpilo?
Uninzi iinkampani ze-inshorensi zilandela iinkcazo ezinikezwa yi-AMA (American Medical Association) kunye ne-American Society of Plastic Surgeons (ASPS) echaza:
- Ukuhlinzwa okwakhiwa ngokutsha kubhekisela kutyando olwenziwa kwiintlobo ezingaqhelekanga ezibangelwa ziintsilelo zesisu, ukungaphumeleli kwintlupheko, ukuxhatshazwa, ukusuleleka, izifo, okanye izifo. Oku kungabandakanya utyando ukuphucula umsebenzi okanye ukunika imbonakalo eqhelekileyo.
- Utyando olusisigxina ukuhlaziywa kwezakhiwo eziqhelekileyo emzimbeni ukuphucula ukuzithemba okanye ukubonakala kwesigulane.
Iikhompyutheni ze-Intshurensi yezeMeyi Ingaba kuVavanya oko kufunyenwe ukutyanda ngePlastiki
Iinkampani ze-inshurensi ziingcali ezichazwe ngasentla. Umzekelo, inkqubo yokusoka kubafana abancinci: Kwiinkampani ze-inshorensi ezedlulileyo ezihlawulwe kule nkqubo, kodwa ngoku ziqhelekile ukuba iinkampani ze-inshorensi aziyi kuhlawula le nkqubo kuba ithathwa njengezonyango.
Into ebonwa ngokuba yi-plastic plasmic operesheni iphelele ngokupheleleyo kwinkampani yomshuwalense ephethe ipolisi yakho kwaye ingatshintshwa ngokuhamba kwexesha ngokubhekiselele kuhlobo lomshuwalense onayo, uphando kunye nesigulane neemfuno, kunye nokuguqulwa kweenkqubo ezintsha kunye nokunyanga kweyeza.
Uluhlu lweMibandela yokuPhepha kweePlastiki iiNdleko kunye neenkqubo eziqhelekileyo ezinokuthi zifihliwe yi-inshurensi
Nalu uluhlu oluqulunqwe ngolwazi oluvela kwi-ASPS malunga nokuhlinzwa ukuba inkampani yakho yomshuwalense ingaqwalasela ukugubungela:
- Ukuhlinzwa Kwesisu: Ukuba kwenziwe ukuphucula okanye ukuphelisa iingxaki zempilo ezinjengeentlungu, izilonda, i-hernia, i-rashes, okanye uncedo lokuphucula ukukwazi ukuhamba ngokuqhelekileyo.
- Ukugqithwa kwesisu: Ukuba kwenziwe ukulungisa i-asymmetry, ukunciphisa amabele amaninzi obangela iingxaki zempilo, ukuvuselelwa ngenxa yokulahleka, ukungabikho kokuzalwa komntwana (wazalelwa ngesifuba esisodwa), okanye ukunciphisa amabele amaduna amakhulu.
- Ukunyangwa kweentloko: Ukuba kwenziwe ukulungisa izikhwebu eziphosakeleyo ngokuzalwa, izifo, okanye ukulimala.
- Ukukhwabanisa ngesibindi: Ukuba kwenziwe ukulungisa iipilisi ezixhamlayo ezibangela iingxaki zombono okanye iilusi ezichanekileyo eziphendukele ngendlela engavamile.
- Ubungqingili bebuso: Ukuba kwenziwe ukulinganisela ukubonakala ukuba kubangelwa ukukhubazeka, phatha izidumbu ebusweni, kwintloko, okanye entanyeni.
- Ukwelashwa Kwesandla: Ukuba kwenziwe ukuphatha i-carpal tunnel syndrome, isivumelwano sikaDupuytren, ukulimala kwamathambo, ukulimala kwetonyon, ukufakela iminwe, okanye ezinye izifo.
- Ukugqithisa ngokusesikweni: Ukuba kwenziwe ukulungisa izipho ezibangelwa ukuzalwa, izifo okanye iingxaki zokuphefumla.
Ukuba uvakalelwa ukuba ungawela kuyo nayiphi na iindidi kubalulekile ukuthetha nodokotela wakho. Ugqirha wakho unokuqinisekisa ukuba imeko yakho iya kuqwalaselwa kwaye iyakunceda ngokuqhagamshelana nenkampani yakho yomshuwalense.
Imizekelo yoBuqhophozi obuPhezulu ngokungekho Mhlawumbi ukuba ikhutshwe yiNtshurensi yezeMpilo
Inani leenkqubo zokuzongcola ezenziwa phakathi kwabasetyhini zanda ngaphezu kwama-538% kunye no-325% ngamadoda ukususela ngo-1997, ngokwe- data ye - ASPS 2015 . Kunengqiqo yokuba abantu bafuna ukufumana impindiselo kwi- inshurensi yabo yempilo nangayiphi na inkqubo inokuthi isicwangciso sabo sezempilo sichaze.
Ngelishwa, ukuhlinzwa okwenkcenkcesha akuyona enye yezinto ezifunyenwe kwizicwangciso zeinshorensi zempilo ngenxa yokuba zikhethiweyo kwaye aziqhelekanga ukuba ziyimfuneko ukugcina umgangatho wobomi okanye umzimba osebenzayo. Nayi imimiselo yeentlobo zokuhlinzwa ezingabhekiswa rhoqo ngomshuwalense wezempilo, nangona ngaphandle kweemeko eziqhelekileyo zingafaka isicelo.
- Liposuction
- Ukunyuka kwesisu
- Ukuguqulwa kwesibindi
Umzekelo WeeNkampani Zobanini-nkonzo Basebenzisa Iimvavanyo Zengqondo Zokwenzela Imilinganiselo Yophando LwePlastiki Kuquka Ukunyuka kwesisindo
Nangona i-liposuction kunye ne-tummy tucks zivame ukuba zizongcola, kukho imeko ekhethekileyo apho umntu obhekwa ngokugqithiseleyo aze ahlolwe ngophando lweengqondo kubonisa ukuba ubunzima obunzima buchaphazela umgangatho wobomi abaholayo, umshwalense wempilo unokuvumela ukuba kuqwalaselwe iinkqubo zonyango ukuba ifunyenwe yi-inshorensi yezempilo. Nangona kunjalo, oku kudlalwa kuphela emva kokuvavanywa kwexesha elide, kunye nokuvavanya okubanzi, kunye kunye neenkqubo ezibekwe ngogqirha zokuzama ukuqala kunye nokujongana nombandela kunye neenkqubo ezingekho zokupasa ukulahlekelwa kwezinto kunye nezinye iindlela. Utyando-ukulahleka kwemisebenzi aluqhelekanga kwaye lufuna imeko ekhethekileyo.
Imizekelo ye-Surgery yePlastiki engeyiyo yokuNyunja eNgayibanjelwa yiNtshuwalense yezeMpilo
Ngokomzekelo, ukuba inkqubo yokuhlinzwa yeplastiki iyadingeka ukugcina ukusebenza komzimba ngokufanelekileyo, ngoko ayiyi kufunwa njengezonyamelo. Iinkqubo ezilandela izingozi zeemoto, izingozi ezinkulu, okanye imeko apho umzimba wakho kufuneka ulungiswe khona ukuze ubuye uphinde uphucule umgangatho wobomi kunye nomsebenzi womzimba kuya kubandakanywa ngumshwalense wakho wezempilo ukuba unesicwangciso esibanzi.
Ukuba ugqirha uyichaza inkqubo njengoko kuyimfuneko ukuhlala ngokufanelekileyo, oku kusenokungabonwa njengento yokucoca. Nangona kunjalo, inkampani yomshuwalense ingafuna ukuba izisombululo ezingezangezicwangcipheko ziphelelwe yinkqubo phambi kokuba inkqubo iya kuphunyezwa.
Hlalani nikhumbule nangona kunjalo ukuba nganye inkampani yomshuwalense wezempilo inemisebenzi yayo kwaye inokuthintela iinkqubo, okanye ingabandakanyi. Kufuneka uqale ufumanise ukuba inkampani yomshuwalense wakho wezempilo iquka ukuhlinzwa okwenziwa ngeplastiki engekho yonto. Oku kufuneka kuqinisekiswe rhoqo ngaphambi kokuba nayiphi na inkqubo ukuze ungabi neendleko ezingalindelekanga.
Umzekelo weYo Job Job Engafunyanwa yiNtshurensi yezeMpilo
U-Julie unenkathazo enkulu yokuphefumula ngokuqhelekileyo, akalala kakuhle kwaye impilo yakhe jikelele ichaphazelekayo. Ufumanisa ukuba unesiphambano esiphendukileyo esibangela ingxaki. Ukuba ugqirha ubonisa ukuba lo uphando oluyimfuneko kwaye awuyiyo into yokuzongcola, ke umsebenzi owenzayo ekhaleni emva kokulungiswa kwee-septum yakhe ekhethiweyo ingawa phantsi kocwaningo lweplastiki olukhuniweyo.
Umzekelo woBuqhwaba obusetyhini obunokukhutshwa yiNkqubo ye-inshurensi yempilo
USusan unamabele amaninzi kakhulu okubangela ukuba angakhululeki kwaye akwenze kube nzima kuye ukuba athathe inxaxheba kwimisebenzi eyahlukeneyo yomzimba. Ufumana ubunzima obukhulu kunye nentlungu kunye nomgangatho wobomi obunempembelelo enkulu kwimeko. Emva kokuba ugqirha wakhe enze uviwo olupheleleyo ukufumanisa umthombo wengxaki, ugqirha wakhe wachaza ukuba imiba yayibangelwa ubunzima besifuba sakhe, kwaye yakhuthaza ukutyunjwa kwebele.
USusan waxoxisana nale ngxaki kunye nenkampani yakhe yenkampani yomshuwalense kwaye wayetyala ukuba afake iintlobo ezahlukeneyo kunye nolwazi olongezelelweyo kumgqirha wakhe. Ekuqaleni bayeka ukunikwa kwengcebiso ebonisa ukuba unyango lomzimba okanye unyango lwe-chiropractic okanye amayeza eentlungu angasombulula umba.
USusan walandela le miyalelo malunga nonyaka, kwaye kanye kuphela xa unyango lwamaziko kunye nazo zonke iindlela ezingazange zisombulule ingxaki, ngaba wakwazi ukucela ukuqwalaselwa kwakhona.
USusan wagqiba uluhlu olutsha lweefom kunye nolwazi kumgqirha wakhe kwakhona. Emva kokuphonononga ulwazi, inkampani ye-inshurensi yezempilo yavuma ukuba le nto yayingeyona indlela yokuzicoca kwaye yacebisa uSusan ukuba le nkqubo iya kuhlanganiswa phantsi kweenzuzo zayo.
Umzekelo wokutshintshwa phakathi kweeNtsholongwane zeMpilo Ukuvavanya uphando lwePlastiki: Qaphela!
Kwiinyanga ezimbalwa kamva, umhlobo kaSusan ufumana ukuxilongwa okufanayo, usebenza ukuba abe nenkqubo efanayo kunye nokuguqulwa, ufumanisa ukuba inkampani yakhe yomshuwalense ayibukeli inkqubo njengento ebalulekileyo, kwaye ngoko iphelile ukuhlawula inkqubo ngokupheleleyo epokothini, ebiza i $ 10,000. Wayevuya xa efumene kwangaphambili evela kwi-insurer yakhe yezempilo ukuba akayi kufaneleka ukufumana inzuzo yezempilo kwimpilo.
Indlela Yokuqinisekisa Ukuba Uphulo Lwenu lwePlastiki lukhutshwe yiNtshuwalense yezeMpilo ngaphambi kokuba Ulungise Inkqubo
- Qhagamshelana nomphathi we-inshurensi yezempilo okanye inkampani yomshuwalense ngokuthe ngqo kwaye ufumane ukuba yeyiphi inqaku lokufumana uphando lweplastiki
- Fumana uqikelelo oluchanekileyo kunye neendleko ezixeliweyo zenkqubo yokuhlinzwa yeplastiki ukuze uhlaziye oku malunga nomgaqo-nkqubo wenkqubo
- Fumana oko kuya kukhangela xa kwenzeka
- Fumana ukuba yiyiphi imali ephezulu ehlawulwayo, kwaye ukuba ulindele ukuba ukhokhe ipesenti ethile yenkqubo
- Fumana ukuba yeyiphi imithi enxulumene neyobuhlungu ababulalayo abaya kubutyalwa
- Cinga ukuba inkampani ye-inshorensi inokuhlawula inxalenye yenkqubo yakho ngokungena kwisiqingatha njengenzuzo zezokwelapha kwaye unokuhlawula i-cosmetic yesiqingatha. Ugqirha bakho kunye neengcali ziyakwazi ukukunceda apha.
- Fumana iinkcukacha ngokubhaliweyo kwezigubungelwano zakho ukuze ungamangalisi. Ungalokothi uthathe nantoni na efihliweyo ngaphandle kokuba inkampani yakho yinshorensi yezempilo iqinisekisile.
Imiba enjengale yenza ukuba izibonelelo ezibandakanyiweyo phantsi kwesi sicwangciso sempilo nzima ukuchaza. Njalo qwa lasela i-insurer yakho yezempilo ngaphambi kokuba wenze nayiphi na ingqiqo. Imigca yento efunyenwe okanye ayikho iimeko ezininzi kwaye kunzima ukufumanisa oko kuthethwa kuyimfuneko okanye ukulungisa izimonyo. Kwezinye iimeko, iindawo ezithile zokuhlinzwa zingagqalwa, okwenza kube nzima. Yilungiselele ngaphambi kokuba uzame kwaye ufake ifom ye-inshurensi yezempilo .