Thola Amaqiniso Ngaphambi Kokuthenga
Ukwenza udokotela wamazinyo kuyinkinga enkulu emindenini eminingi. Umshuwalense wamazinyo ungase ube yindlela enhle yokuqinisekisa ukuthi wena nomndeni wakho nihlale nithola ukufinyelela kokwelashwa kwamazinyo okudingayo.
Ngendleko ekhuphuka yokuya kudokotela wamazinyo, abantu abaningi banzima nesinqumo sokuthi noma bathenge yini umshuwalense wamazinyo. Kungakhathaliseki ukuthi ucabanga ukuthenga umshuwalense wamazinyo ngomqashi wakho noma ngokuzimela, qiniseka ukuthi uphenye izinhlelo eziningana ezahlukene futhi ubuze imibuzo mayelana nezici ezibalulwe ngezansi.
Lolu lwazi luzokusiza ukuthi ukhethe uhlelo lokushuwalisa kwamazinyo olungakalungi ngaphambi kokusayina emgqeni onamabala.
Ukungaqiniseki kanye Nonyaka Omkhulu
Isikweletu seminyaka yonke imali eyinhloko yomshuwalense wamazinyo uyokhokha unyaka ogcwele. Isikhulu sonyaka sizovuselela ngokuzenzakalelayo njalo ngonyaka. Uma unezinzuzo ezingasetshenzisiwe, lezi ngeke ziqhume. Iningi lezinkampani zomshuwalense wamazinyo zivumela isilinganiso esiphezulu semali engu-$ 1,000.
In / Out of Network Amazinyo
Izinqubo eziningi zomshuwalense wamazinyo ezizimele zizokhokhela kuphela izinsizakalo zamazinyo uma uya kumuntu wama-dentist wangaphakathi neNethiwekhi. Thola uma kudingeka ukuba uye kumhlengikazi osebenzayo noma uma ungakhetha owakho . Uma lolu hlelo ludinga ukuthi ubone i-In-Network Network wamazinyo, cela uhlu lwamagqirha wamazinyo endaweni yakho abathintekayo kuyo ukuze unqume ukuthi unomama wamazinyo ongayibona ukuthi uyakubona.
Uma ufisa ukuhlala nodokotela wamazinyo wakho wamanje, ezinye izinqubomgomo zikuvumela ukuthi ubone i-Out of Network Dentist, Nokho, izindleko ezihlanganisiwe zinganciphisa kakhulu.
I-UCR (Ukusetshenziswa Kwesikhathi Esijwayelekile kanye Nengqondo)
Cishe zonke izinkampani zomshuwalense wamazinyo zisebenzisa lokho okubizwa ngokuthi i-Usual, Customary, ne-Reasonable (UCR). Lokhu kusho ukuthi babeka intengo yabo abazoyivumela kuzo zonke izinqubo zamazinyo ezizihlanganisa. Lokhu akusekelwe kulokho odokotela bamazinyo empeleni abakhokhisa, kodwa lokho inkampani yomshuwalense wamazinyo efisa ukumboza.
Isibonelo, udokotela wamazinyo wakho angakhokhisa u-$ 78 ukuthola ukuhlanzwa kwamazinyo, kodwa inkampani yakho yomshuwalense izovumela kuphela i-$ 58 ngoba leyo mali eyi-UCR ayimisile.
Uma unomgomo ofuna ukuba uye kumhlinzeki ohlanganyele, akufanele ukhokhiswe umehluko phakathi kwalawa maxabiso amabili. Udokotela wamazinyo ngokuvamile unesivumelwane nenkampani yomshuwalense ukuze abhale umehluko emacala. Uma ngabe inqubomgomo ikuvumela ukuba uye kumhlengikazi wamazinyo noma wamazinyo wezinyosi ozikhethela, hlola umhlahlandlela wemali yenkampani yomshuwalense u-UCR ngokuphathelene nemali ekhokhiswayo yamazinyo. Kungadingeka ukuthi ukhokhe umehluko ephaketheni lakho, noma kunjalo, awukwazi ukubeka amanani entengo ekunakekeleni kwamazinyo ekhwalithi.
Izinhlobo Zokuphakanyiswa
Ngokwezinkampani eziningi zomshuwalense wamazinyo, izinqubo zamazinyo zihlukaniswa zibe izigaba ezintathu:
- Okuvimbelayo
Izinkampani eziningi zomshuwalense zibheke ukuhlanza nokuhlolwa okujwayelekile njengokunakekelwa kwamazinyo okuvimbela amazinyo, kodwa-ke, ama-ray ray, ama-sealants, ne-fluoride angabhekwa njengokuvimbela noma okuyisisekelo, kuye ngokuthi othwala umshwalense.
- Okuyisisekelo noma Ukubuyisela
Ukwelashwa kwamazinyo okuyisisekelo noma okubuyisela ngokuvamile kuqukethe ukugcwaliswa kwamazinyo kanye nokukhethwa okulula. Imigodi yomsuka ingabhekwa njengento eyisisekelo noma enkulu. Kodwa-ke, iningi lamazinyo wamazinyo lihlonza imigodi yamanzi njengento eyisisekelo.
- Omkhulu
Amakhanda, amabhuloho, amazinyo , ama-partials, ama-extractions wokuhlinzwa kanye nama-men's implants amazinyo yizinqubo zamazinyo izinkampani eziningi zomshuwalense wamazinyo ezibhekwa njengezinqubo ezinkulu.
Njengoba zonke izinsimbi zomshuwalense wamazinyo zihlukile, kubalulekile ukucacisa ukuthi yiziphi izinqubo zamazinyo eziwela ngaphansi kwesigaba ngasinye. Lokhu kubalulekile ngoba ezinye izinhlelo zomshuwalense azihlanganisi izinqubo ezinkulu kanti ezinye zinenkathi yokulinda izinqubo ezithile. Uma wazi ukuthi uzodinga umsebenzi omkhulu wamazinyo ongahlanganiswa uhlelo olunikeziwe, kufanele ubheke nakwezinye izindawo ukuthola okuhambisana nakho konke okudingayo.
Izikhathi zokulinda
Isikhathi sokulinda ubude besikhathi inkampani yomshuwalense iyokwenza ulinde emva kokuba uhlanganiswe ngaphambi kokuba bakhokhe izinqubo ezithile. Ngokwesibonelo, uma udinga umqhele futhi inqubomgomo inenkathi yokulinda inyanga engu-12 noma isikhathi eside, kungenzeka ukuthi usuvele ukhokhele umqhele wakho ngenkathi usukhokha ama-premium akho futhi ulinde.
Isigatshana sezinyosi esingekho kanye nesikhathi sokuguqula
Amaphesenti angaba ngu-90 wezinqubomgomo zomshuwalense wamazinyo athatha "isigatshana esingafaneleki izinyosi" noma "isigatshana sokushintsha esikhundleni." Abaningi bafaka okungenani elilodwa lamasigatshana, kodwa iningi lababili. Isigatshana sezinyo ezilahlekile sivikela inkampani yomshuwalense ekukhokheleni ukushintshwa kwezinyosi ezazingekho ngaphambi kokuba inqubomgomo isebenze. Isibonelo, uma ulahlekelwe izinyo ngaphambi kokuba kuqalwe ukuqala kwakho futhi kamuva wanquma ukuthi ungathanda ukuba ne-partial, ibhuloho noma ukufakelwa, inkampani yomshuwalense ngeke kudingeke ukhokhele leyo nsizakalo uma inesigatshana esingafaneleki sezinyo kuhlelo. Isigaba somthetho esilandelayo sifana nalokhu ngaphandle kokuba inkampani yomshuwalense ngeke ikhokhele ukufaka esikhundleni izinqubo ezifana namazinyo, ama-partials noma amabhuloho kuze kube yilapho isikhathi esinqunyiwe siphelile.
I-Cosmetic Dentistry kanye ne-Dental Insurance
Amazinyo okugcoba ama-cosmetic yinoma yiluphi uhlobo lwenqubo eyenziwe ngezinhloso ezingenabulungisa kuphela. Amazinyo ukugcoba kuthandwa kakhulu. Ngenkathi imiphumela ihle kakhulu, khumbula ukuthi amaphesenti angu-99.9 wezinkampani zomshuwalense wamazinyo ngeke akhokhele amazinyo omzimba.
Ukuhlanganisa Okuphelele
Ngaphambi kokunquma ukuthenga umshuwalense wamazinyo, khuluma nodokotela wakho wamazinyo mayelana nesilinganiso sohlelo lwakho lwezokwelapha. Ngale ndlela unganquma ukuthi uzoba ngcono yini noma ngaphandle kweminshuwalense yamazinyo. Isici esibaluleke kakhulu okumele sikhumbule mayelana nanoma iyiphi inqubo yomshuwalense wamazinyo yilapho umshuwalense wamazinyo awufani nhlobo nomshuwalense wezokwelapha. Iningi lezinhlelo zomshuwalense wamazinyo zenzelwe ngenhloso yokufaka ukunakekelwa kwamazinyo okuyisisekelo ezizungeze u-$ 1,000 kuya ku-$ 1,500 (ngesamba esifanayo abahlanganisa eminyakeni engama-30 eyedlule) ngonyaka futhi akuhlosiwe ukuhlinzekwa ngokugcwele okufana nalokho umshuwalense wezokwelapha.
Isifinyezo somshuwalense wamazinyo
Ukuze usize ngemali yokunakekelwa kwamazinyo akho, amahhovisi amaningi wamazinyo manje anikezela izinhlelo zokukhokha ezingenasithakazelo ngoba ziqonda ukuthi umshuwalense wamazinyo ukhokha ingxenye encane.
Uma unquma ukuthi ukuthenga umshwalense wezinyosi kungcono kakhulu kuwe noma emndenini wakho, lawa macebiso kufanele akusize ukhethe uhlelo lokusebenza lwemishwalense yamazinyo efanele.