Wana Izvo Zvinhu Usati Watenga
Kunyora mazino dambudziko guru kumhuri dzakawanda. Utano hwehutano hwemazino hunova hutano hwakasimba hwekuita kuti iwe nemhuri yako nguva dzose muwane maitiro ekurapa mazino aunoda.
Nekuwedzera kwemari yekuenda kumudzidzisi wemazino, vanhu vazhinji vari kurwisana nechisarudzo chekuti kana kwete kutenga inshuwarisi yezino. Pasinei nokuti uri kufunga kuchitenga inshuwarisi yezinyore kuburikidza nemushandi wako kana kuti iwe pachako, iva nechokwadi chekutsvaga zvirongwa zvakasiyana siyana uye kubvunza mibvunzo pamusoro pezvinhu zvakanyorwa pasi apa.
Iyi ruzivo ichakubatsira iwe kusarudza chirongwa chemainishuwarenzi chemazino chaiyo usati wasayina pamutsara wakajeka.
Affordability uye Gore Gore Maximum
Zvose gore negore ndiyo mari yakawanda iyo chirongwa che inshuwarano yezinso chemazino chichabhadhara mukati megore rimwe chete. Gore rose gore rose richavandudzwa gore negore. Kana iwe usina kushandisa zvisina kufanira, izvi hazvizoperi. Mazhinji emakambani einishuwarenzi emazino anobvumira kushandiswa kwegore rose zvakakwana $ 1 000.
In / Out of Network Dentists
Nzvimbo dzakawanda dzinozvimiririra zvirongwa zvehushuwarano hwemazino huchabhadhara chete mazano ako emazino kana uchienda kune imwe kambani uye inobata In-Network Dentist. Tsvaga kana iwe uchida kuenda kumunhu wemazino anoshanda kana kuti iwe unogona kusarudza iwe pachako . Kana chirongwa chacho chichida kuti iwe uone In-Network Network Dentist, bvunza runyora rwevarume vemazino munharaunda yako nevanobvumirana navo kuitira kuti ugone kusarudza kana vane chiremba wemazino iwe ungafunga kuti uchiona.
Kana uchida kugara newauri mazino wemazino, mamwe maitiro anokubvumira kuti uone kunze kwe-Network Dentist, zvisinei, mari inowanikwa inogona kuderedzwa zvikuru.
UCR (Usual Customary uye Inonzwisisika)
Inenge dzose makambani einishuwarenzi emazino anoshandisa izvo zvinonzi Usual, Customary, uye Reasonable (UCR) mubhadharo. Izvi zvinoreva kuti vanogadzirisa purogiramu yavo pachavo yavanozobvumira kuita maitiro ese emarongerwo avanofukidza. Izvi hazvirevi pane izvo chiremba wemazino anonyatsopa mhosva, asi izvo kambani yemishonga yveshuwarenzi inoda kuvhara.
Somuenzaniso, mushandi wemazino anogona kukwereta $ 78 pakuchenesa mazino, asi kambani yako ye inshuwarisi inongobvumira $ 58 nokuti iyo ndiyo mari yeUCR yavakaisa.
Kana iwe uri purogiramu inoda kuti iwe uende kumubatsiri wekutora chikamu, haufaniri kutongerwa musiyano pakati pematengo maviri aya. Chiremba wemazino anobvumirana kazhinji ane chibvumirano nekambani yeInishuwarenzi kuti inyore kusiyana kwezvikwereti. Kana chirongwa ichi chichikubvumira kuenda kunechiremba wemazino kana vana vanachiremba wemazino wesarudzo yako, chengetedza kambani ye inshuwarisi yeUCR yemari yekupa mazano pamusoro pemari iyo madzinza anopa mhosva. Iwe unogona kudiwa kubhadhara musiyano uri muhomwe yako, zvisinei, iwe haugone kuisa mutengo wemari pamutano wepamusoro hwemazino.
Coverage Types
Maererano nemakambani mazhinji emainishuwarenzi emazino, maitiro emishonga akaparara muzvikamu zvitatu:
- Kudzivisa
Yakawanda makambani einishuwarenzi anofunga kushambadzira uye kuongororwa kwemuitiro sekuchengetedza mazino ekurapa, zvisinei, X-rays, sealants, uye fluoride zvinogona kuonekwa sekudzivirira kana kuti zvisizvo, zvichienderana nehuwandu hwehuturi.
- Chokutanga kana Kudzokorora
Chero kana kuti yekudzorera mazino emishonga kazhinji anowanzobatanidzwa nemazino ezvokudya uye zvinyorwa zvishoma. Mizizi midzi inogona kuonekwa seyokutanga kana huru. Zvisinei, huwandu hwezvirongwa zvemazinyo hunotarisa miviri inoshandiswa seyoyo inokosha.
- Major
Korona, mabhiriji, mazinyo , zvikamu, kushandiswa kwezvokuvhiya uye kuisa mazino inzira dzezinyoreso dzakawanda dzemakambani einishuwarenzi emazino anozviona senzira huru.
Sezvo vashandi ve inshuwarisi vezino mazino vakasiyana, zvinokosha kuti tsanangurire kuti maitiro emishonga anowira sei pasi peboka rimwe nerimwe. Izvi zvakakosha nokuti mamwe mapurogiramu eshuwarisi haatauri maitiro makuru uye vamwe vane nguva yekumirira kune dzimwe nzira. Kana iwe uchiziva kuti iwe uchada basa guru remazinyo risina kuvharwa neurongwa hupi, iwe unofanira kunge wakatarisa kune imwe nzvimbo kuti uwane imwe inokodzera zvose zvaunoda.
Periods Periods
Nguva yekumirira ndiyo nguva yenguva yekambani yeinishuwarenzi ichaita kuti iwe umirire mushure mokunge wavharwa vasati vazobhadhara dzimwe nzira. Somuenzaniso, kana iwe uchida korona uye mutemo une mwedzi 12 kana kwenguva yakareba kumirira nguva, mikana ingadai wakatove wakabhadhara korona yako apo iwe wakanga uchibhadhara mari yako yepurayamisi uye wakamirira.
Kusava Ninoti Chinoti uye Nguva Yokuchinja
Zvinopfuura 90 muzana yemishonga inishuwarenzi yezinyore inotakura "chinyorwa chemazino chisipo" kana kuti "chirevo chekushandura." Vakawanda vanosanganisira chikamu chimwe chezvikamu izvi, asi vazhinji vane zvose. Chimwe chinyorwa chemazino chinoshaya chinodzivirira kambani ye inshuwarisi kubva kubhadhara kubatsirirwa kwezino iyo yakanga isati yasati yasvika. Somuenzaniso, kana iwe wakarasika zino usati watanga kupera uye gare gare wakasarudza kuti iwe unoda kuva nechikamu, bhiriji kana kuiswa, kambani ye inshuwarisi haifaniri kubhadhara iyo iyo yega kana iine chine demo clause muchirongwa. Rimwe rinoshandiswa kumutsara rinofanana chete kunze kwekuti iyo kambani yveshuwarensi haizombobhadhara kuti inotora mitemo yakadai seyamambo, zvikamu kana mabhiriji kusvikira nguva yakatemwa yapera.
Cosmetic Dentistry uye Dental Insurance
Zviratidzo zvekunyora mazino ndeipi chero nzira yekuitwa nenzira yezvisina maturo chete. Meso ekuchenesa anozivikanwa zvikuru. Kunyange zvazvo migumisiro yacho yakanaka, yeuka mupfungwa kuti 99.9 muzana yemakambani emishonga inshuwarisi haazobhadhara kuti zvive zvekupisa mazino.
Comprehensive Coverage
Usati wasarudza kutenga inshuwarisi yezino, taura nemumwe wako wemazino maererano nehuwandu hwerongwa hwehutano hwako. Nzira iyi iwe unogona kusarudza kana iwe unenge uri nani kune kana usina dental inshuwarisi. Chimwe chinhu chinokosha chaunofanira kuyeuka maererano neurongwa hwehutano hwehutano ndewekuti inshurensi yemeno haisi yakangofanana nehutano inshuwarisi. Ruzhinji rwezvirongwa zvehushuwarano hwemazino dzakagadzirirwa nechinangwa chekuvhara chete maitiro ezvokuchengeta mazino akaenzana ne $ 1 000 kusvika ku $ 1,500 (nezvemari yakafanana yavakapedza makore makumi matatu akapfuura) gore negore uye hazvifananidzi kupa ruzivo rwakakwana seyodhidhiyo yehutano.
Dental Insurance Summary
Kuti ubatsire kubhadhara mazino ako emazino, mahofisi mazhinji emazino iko zvino anopa zvirongwa zvekubhadhara kusingabatsiri nokuti vanonzwisisa kuti inshuwarisi yezinoga inopa chete chikamu chiduku.
Kana iwe ukasarudza kuti kutenga dental inshuwarheni ndiyo yakanakisisa yekusarudza iwe kana mhuri yako, mazano aya anofanira kukubatsira kusarudza chirongwa chakanaka che inshuwarisi yemeno.