Ukususela ekunyamekelweni kwe-orthodontic kuphela kuhlawula ipesenti yeendleko ezipheleleyo zeenkqubo ze-orthodontic ezifana ne-Invisalign, kukho amanyathelo ambalwa ongayifumana ekufuneni i-inshurensi yamazinyo efanelekileyo ukwenzela ukwandisa ukufumana ingqalelo kwiinkqubo zokujonga.
Kukho nezinye iindlela zokunciphisa iindleko zakho, siza kuzibekela apha,
Ingakanani iindleko zokujonga
Njengoko unyango oluninzi lwe-orthodontic, iindleko ze-Invisalign ziya kuxhomekeka kakhulu kwiimeko zakho. Ezinye izilungelelwaniso zichanekileyo kwaye ziza kufuna umsebenzi ophantsi. Ezinye iinkqubo ze-orthodontic zingabandakanya iinkqubo ezininzi ezinokuthi zongeze iindleko kwi-tp yenkqubo ngokwayo njengoko ulungisa umlomo wakho wokulungelelanisa.
Kwezinye iimeko abantu banokudinga ukuba namazinyo okanye ezinye izinto ngaphambi kokulungelelaniswa. Ayikho indlela yokuba nexabiso elilodwa lisebenza kuwo wonke umntu, kodwa ngokubanzi uza kukhangela phakathi kwe-$ 3,000 kunye ne-8,000 yezigidi kwiindleko ze-Treatment Invisalign.
Ukufumana uqikelelo olufanelekileyo kwi-orthodontist yindlela efanelekileyo yokuqiniseka. Kwiindleko zee-3 000 zee-inshorensi, ezininzi iinkqubo ze-inshorensi zempilo ziya kukugubungela, nangona kunjalo, ukuba ugqiba ukuhlawula ngaphezulu, ngoko unokuthi unamathele ukuzama ukuxhasa imali okanye uhlawule.
Intshurensi yezeMpilo kunye nezinye iindlela zokuKhatala ukuThengiswa kweNgcebiso. Kukho iindlela ezininzi zokusebenzisa izicwangciso zokukunceda ukuhlawula i-Invisalign.
- I-Pretax Flexible Accending Accounts (FSA): Isicwangciso sakho sezinyathelo ze-inshorensi yezempilo singabakhokelela kwi-orthodontic, kodwa ngamanye amaxesha ayinako. Ukuba ufuna ukufumana indlela yokugcina imali kwinxalenye ye-Invisalign eya kuphuma ephaketheni lakho i-FSA yinto efanelekileyo yokuyiqwalasela. Unokubeka eceleni ukuya kuma-$ 2550 kwi-FSA (ngaphambi kweedola zerhafu) ukukunceda ukuhlawula i-Invisalign.
- Umqeshi oxhasiweyo okanye iiplani zamanye amazinyo angakunika i-orthodontic coverage. Zonke izicwangciso ziya kuba zihluke, kodwa ukuba unemibuzo ye-Invisalign, unokukwazi ukunyuka ukuya kuma-3500 ukuya kwiindleko zonyango. Qiniseka ukuba uhlola isicwangciso sakho nesicwangciso somlingane wakho ukuba ubone indlela yokwandisa inzuzo yakho. Sithetha ngale ngcaciso ngentla apha.
- Khangela kwiinkampani eziboleka imali enomdla kwiinkqubo zonyango ezifana neNkxaso yeMboleko
- Izicwangciso zentlawulo: Amathambo amaninzi anikezela izicwangciso zokuhlawula ezinokukunceda ukwandisa iindleko zonyango lwakho.
- Izicwangciso zentengo
Izicwangciso zeNkcazo zokuHlola
Nangona iiprogram zokuphuhlisa isishuwalense, ziyakunika imali enkulu yokugcina imali kwi-Invisalign okanye namanye amayeza angamazinyo. Ezinye iinkampani ziza kunika ubulungu kwicebo labo lokunciphisa amazinyo ngokulingana ne-$ 100 ngonyaka. Njengomzekelo omnye nje, uCarlring usinikela i-20% kwiimali zeenkonzo zamazinyo, ungakwazi ukufikelela kwi-database yamacebo okuphuhlisa amazinyo ukukunceda apha.
Amanyathelo okuthabatha xa ukhetha i-Invisalign ye-Intenalign Plan
Uphando lweenkampani ze-inshurensi zamazinyo zinikela iintlawulo zonyango lwe-Invisalign. Nangona ezininzi iinkampani ze-inshorensi zamazinyo zinikela ngononophelo lwe-orthodontic, yiyiphi into enokubangela unyango lwe-Invisalign, kungekhona zonke iinkampani zomshuwalense zamazinyo.
Qhathanisa i-inshurensi ye-Employer Health Care vs.
Ukuba ulwalamano kunye nomlingani wasekhaya okanye utshatile kwaye iqabane lakho linesicwangciso se-inshurensi yezempilo, qwa lasela ukufumanisa ukuba isicwangciso sabo siya kufikelela phi. Unokuba ne-overage engcono kwisicwangciso esinye kunomnye apho ungasayina i-waiver ukuya kwisicwangciso esingcono. Okanye unokufumanisa ukuba ungasebenzisa izibonelelo ezivela ezi zicwangciso ngokulungisa iinkonzo zokugcina imali .
Qhagamshelana ne-Orthodox yaseNgingqi ukuThetha iiNtengo kunye neentlawulo
Qhagamshelana ne-orthodontists yengingqi ukuthelekisa amanani kunye nokwamkelwa kwe-inshurensi: Emva kokuba unomshuwalense wamazinyo uziva ukuba kukulungele ukukhusela inkqubo yakho yokuqwalasela kwaye uhlolisise ezinye iindlela zokukhokha ezikhoyo, zithenga ngexabiso elifanelekileyo.
Iingcebiso zokunciphisa iindleko ze-Invisalign
Abaninzi bama-orthodontists ngoku banikezela unyango lwe-Invisalign ngoko ngokuthelekisa iindleko ze-orthodontist nganye, unokukwazi ukunciphisa iindleko zabo zonke ngaphandle kweefowuni nje ukwenza iifowuni ezimbalwa.
I-orthodontists ayinakufuna ukunikela nayiphi na intengo, kodwa ukuba ubachazela ukuba uthelekisa zonke ii-orthodontists ezikhoyo kuwe kwaye uzimisele ukukhetha enye eneendleko ezifanelekileyo kwaye ulungele ukusebenza kwiintlawulo kunye nawe, i-orthodontist inokuba yinto eninzi yokunika isaphulelo esiphuculwayo sokufumana umthengi omtsha.