Kune ani nani ari kusangana nekushaya mbereko, kurwadziwa kwepfungwa kunogona kunzwa kusingagoneki. Asi rutivi rwemari rwakangooma kunzwisisa. Avhareji yemutengo weIVF (in vitro fertilization) cycle inogona kubva pakati pe ,000 kusvika ku ,000 nemutengo wemishonga unowedzera kusvika kune imwezve ,000 kusvika ,000 zvichienderana nerudzi uye huwandu hwakatarwa, sekureva kwaPeter Nieves, mukuru wezvokutengeserana muhofisi. WINFertility .
Saka, yakawanda sei iyo vaviri vepakati vanozopedzisira vaburitsa IVF uye chii chaungaite kuti ubvise mutengo wakakura? Takakumbira nyanzvi dzakawanda dzembereko kuti dzifambe nesu mazviri.
Kutanga, Ndeupi Mutengo weIVF?
Sezvatataura pamusoro, mutengo weIVF unotangira pamadhora gumi nemaviri kusvika pamadhora gumi nemashanu pachiyero cheIVF, uye nemushonga, huwandu uhu hunogona kuwedzera kusvika pamadhora gumi nematanhatu kusvika kumadhora zviuru makumi maviri neshanu. Kutenderera kunowanzo kutsanangurwa sekudzosa zai rimwe chete uye mazai ese anobva mukutorwa ikoko. Mari inogona kuwedzera kana ukasarudza mamwe maadd-ons, akadai sekuongororwa kwemajini emaembryos-kusvika zviuru zvemadhora.
Vakadzi vazhinji vanopinda muzvikamu zvitatu zveIVF vasati vabata pamuviri, asi vamwe vazhinji vanoda kusvika pamatanho matanhatu, pa kudzidza rakabudiswa mu Nyaya yeAmerican Medical Association. Izvi ndizvo zvinowedzera, izvo zvinogona kuisa kumanikidza kune vakaroorana kuti vadyare kanopfuura kamwe embryo kutenderera kuitira kuti vawedzere kubudirira kwavo (izvo zvinogona kutungamirira kukuberekwa kwakawanda, maererano neMayo Clinic )
Asi kune mimwe mitengo yekufunga nezvayo, anodaro Nieves. Kutanga, kufamba kungadiwa kuti urapwe. Uye vamwe vanhu vangangoda kutora nguva yekuzorora izvo zvinogona kukonzera kurasikirwa kwemuhoro. Zvichienderana nezvinetso zvekubereka zvakasiyana zvemurwere nemumwe wavo, nzira yekurapa, mishonga yakatemwa uye mutengo unogona kunge wakasiyana, anodaro Nieves.
Inishuwarenzi inoitawo chikamu chikuru. Mari dzinowanzo furatirwa dzinogona kunge dziri mari isingabatanidzwe pasi pechirongwa chekubatsira mushandirwi, sekunze kwevanopa network kana zvivakwa. Iwe unozoda kuve nechokwadi chekusimbisa bhenefiti uye mupi wetiweki mamiriro, pamwe nekuti mutengo wekugovana mukati mezvibatsiro unoshanda sei, chii chinobhadhara chauchafanirwa kubhadhara, chero mari yekoinishuwarenzi uye deductibles. Kunyange kana inishuwarenzi ichingovhara chikamu chete, izvo zvinogona kuderedza zvakanyanya mutengo.
Maitiro ekutora Quote yeIVF Kurapwa Usati Watanga
Usati waenderera mberi neIVF, danho rekutanga, kutaura mune zvemari, nderekusvika kune yako HR uye dhipatimendi remabhenefiti nezve mabhenefiti aripo uye zvavanovhara. Mari dzekubereka dzinogona kudhura zvakanyanya uye kuwedzera vashandirwi vari kuita zvirongwa zvekubatsira vashandi kubhadhara maitiro aya, Nieves anotsanangura. Vashandirwi vazhinji vari kuunzawo makambani ekuchengetedza mbereko kuti ape vanamukoti vakadzidziswa mbereko kuti vatsigire murwere uye mudiwa pavanowana chiremba uye kubatsira kuvagadzirira rwendo rwavo uye kuvatsigira kwese.
Kana IVF yakavharwa (kunyangwe zvishoma) iwe uchada kubvunza mupi weinishuwarenzi yako nezve izvo chaizvo. Semuyenzaniso:
• Kubvunzurudzwa kunoitwa kangani? (Ruzivo runobatsira kana iwe uchida kutaura kuburikidza nehurongwa hwekurapa nemakiriniki akasiyana usati waenda kumberi.)
• Zvakadini nekuongororwa kwechirwere? (NeIVF, pane basa rakawanda reropa uye kuongororwa kwe ultrasound kunodiwa mukati mese-kunyangwe kana kudzoreredza chaiko kusina kuvharwa, zvakakosha kuti uzive kana mamwe maficha ehurongwa ari.)
• Mushonga unovharwa here? (Zvakare, kunyange kana nzira yeIVF isiri chinhu chinogona kubatsira inishuwarenzi yako, mishonga inogona kuwira muboka rakasiyana. Zvakakosha kubvunza.)
• Pane kavha yekuvhara here? (Kana IVF yakabhadharwa, pane here kuchekwa kana dhora mari yekuti inishuwarenzi yako ichakudzosera marii?)
• Ndeapi marapirwo anoitwa? Uye pane here nguva yekumirira usati wakodzera IVF? (IUI—Intrauterine Insemination—inzira yaunofanira kutanga waongorora here? Unofanira kupa magwaro enguva yakapedzwa uchiedza kubata pamuviri? Unoda kubvunza.)
Kana wako waunoshandira asingapi kugovera, ndipo paunofanira kupeta mari sechikamu chebhajeti yako. Panyaya yekukwanisika, unogona kubhadhara muhomwe, asi unogona zvakare kushandisa makadhi echikwereti kana kutaura nemukweretesi aripo anopa zvikwereti kune vakaroorana uye vasina kuroora vari kutsvaga kutanga mhuri. Mamwe makiriniki anotopa pasina-mubereko zvirongwa zvekubhadhara pamwedzi.
Havasi Vese Vanopa Inishuwarenzi Vakagadzirwa Vakaenzana
Dhiyabhorosi ari mune zvemari, anotsanangura Dr. Peter Klatsky, nyanzvi yembereko uye muvambi we Spring Fertility . Isu takaona kuti nepo mainishuwarenzi akasarudzika akaita seProgyny neCarrot vachikwanisa kupa chiitiko chakasiyana kune varwere vedu, mazhinji echinyakare makambani einishuwarenzi einishuwarenzi anonetsekana kupa varwere vedu ruzivo rwakakwana nezvekuvhara.
Izvi zvinonyanya kukonzerwa nekushaya kujairana nekushaya mbereko, Klatsky anowedzera. Varwere vanoudzwa kuti vane rupo IVF yekuvhara vanoshamisika kuwana mahombe deductibles, coinsurance uye co-pay zvinodiwa, kana kuwana ivo vasingabatanidzwe kubva kune akasiyana masevhisi. Misoro yemusoro uye kurwadziwa kwemoyo kunoitwa nevarwere vedu kuburikidza nekutaurirana nemakambani avo einishuwarenzi kunowedzera kushushikana kusingaite kune yakaoma uye kazhinji inotonetsa nguva. Ndicho chikonzero nei kune kukosha kwekutsamira kune chero munhu anogona kuva mumiriri wako wezvemari panguva ino, anotsanangura kudaro. (Spring, semuenzaniso, ine timu yakazvitsaurira ine basa rekumhanyisa mabhenefiti ekuongorora kuburikidza nevatengesi veinishuwarenzi vatakuri.) Zvakakosha kubvunza kana kambani yako yeinishuwarenzi kana kiriniki kana vakapa sarudzo yakafanana kuti ikubatsire kufamba nedivi rezvemari rekuita.
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