Ukufumana Ubungqina beBraces kunye ne-Orthodontic yamazinyo
Ngokuxhomekeke kwindlela yokunakekelwa kwe-orthodontic okanye iinkonzo ozifunayo, kukho izicwangciso ezahlukeneyo eza kusebenza kangcono kuwe.
I-Orthodontic Intshurensi yabadala nabantwana
I-inshorensi ye-Orthodontic isetyenziswe ukuba yinto abantu abaye bacinga ngayo ngezingane zabo, kodwa ezi ntsuku ukuba i-inshorensi yakho yempilo ingakunceda ufumane ukumomotheka ohlala uphuphayo, kuya kufuneka ukuba uthengise ngeenxa zonke kwaye ufumane isicwangciso sezempilo esingcono kakhulu ukufihla okuza kunika into oyifunayo kuquka i-orthodontics.
Umdla we-Orthodontic kwi-Intshurensi yamazinyo
I-inshorensi ye-Orthodontic inokubonelela ngeenzuzo ezininzi ngaphandle kweebhonki. Abantu abadala abadala baya kwi-orthodontics ukulungisa iindidi ezinokuthi zifike emva kwangoko ebomini. Umzekelo, maxa wambi amazinyo ahamba njengoko uqala ukuguqula umsebenzi wangaphambili we-orthodontic. Imiba enjengale ingadinga ukugcina. Ukunyangwa kweengcebiso kubonwa kakhulu kubantu abadala.
Intsimi ye-orthodontics ininzi ukubonelela abantu kuzo zonke izigaba zobomi, ukufumana ukufikelela okufikelelekayo wena kunye nosapho lwakho kubalulekile.
7 Imibuzo Yokubuza Ukufumana I-Orthodotic Orthodotic Dental Insurance Coverage:
- Ngaba ikhona imimiselo okanye imiphefumlo yokufumana inzuzo enkulu?
- Ingaba i-coverage isebenza kubantu abadala okanye kubantwana kuphela?
- Ngaba kukho ixesha lokulinda ngaphambi kokuba i-coverage iqale?
- Ukuba unyango luqalise ngaphambi kokuba iqhinga liqalise, ngaba liya kugqitywa emva kwexesha lokulinda? Ngaba kukho naziphi na izithintelo?
- Ingaba kukho naziphi na iintlobo ezingabhalwayo?
- Ingaba kukho naziphi na izithintelo kwi-orthodontists, umzekelo, ngaba kufuneka babe kwindawo yentengiso ethile ?
- Ngaba kukho i-deductible yomsebenzi we-orthodontic?
Ngaba Isicwangciso Somshuwalense Wakho Weezintsholongwane Ukhupha i-Orthodontic Care ezifana neBraces?
Abantu abaninzi abanama-inshurensi yamazinyo banokucinga ukuba banesigxina sokunakekelwa nge-orthodontic kodwa oko akunjalo ngaso sonke isikhathi.
Ukuphonononga iiNgcaciso zakho zeNkqubo zamaDental zangoku
Isinyathelo sokuqala ekuqaliseni uphando lwakho lwe-inshorensi ye-orthodontic kukuhlaziya oko okwangoku. Qwalasela isicwangciso sakho somshuwalense wezinyununu okanye umntu oza kuxhaswa ngumqeshi ukuze ubone ukuba yeyiphi inqaku elikuyo lokufumana ibhonti kunye nokunakekelwa kwe-orthodontic. Ukuba ufumanisa ukuba awunayo okanye inqaku elincinci, okanye ukuba awusebenzi ungacwaninga amanye amazinyo okanye iinkqubo ze-inshorensi yezempilo.
Amalungiselelo E-inshurensi yeMpilo Ngeenzuzo Zamazinyo Ukukhupha i-Orthodotic Work?
Azikho zonke iinjongo ze-inshorensi yezempilo kunye neenzuzo zamazinyo ezigubungela umsebenzi we-orthodontic, nangona izicwangciso zempilo ezininzi zibandakanya umsebenzi we-orthodontic, izinga le-coverage lihluka, kwaye ezinye iiplani ziquka kuphela i-orthodontics kubantwana.
Ukuba NdineNtsholongwane Yomshuwalense kwi-My Employee Benefits Plan, Ngaba le Ncwadi i-Orthodontics?
Zonke izicwangciso zezempilo azigubungele i-orthodontics, ngenxa yokuba uhlanganiswe phantsi kwepakethi yeenzuzo zempilo, akuthethi ukuba icebo lakho lixhasayo likhethe ukuquka i-orthodontics. Zingabonelela ngokukhawuleza. Unokujonga phantsi kwecandelo lamazinyo leephakheji zakho zeenzuzo okanye ubuze umntu wakho we-HR okanye umxhasi wezinzuzo ukuba akuncede ukuba wazi ukuba sele sele ihlanganisiwe.
Ukuba unomlingane okanye umlingane wasemakhaya onomshuwalense wamazinyo, kufuneka ufumanise ukuba kukho nayiphi na inokwenzeka yokulungelelanisa inzuzo okanye i-inshorensi eyongezelelweyo kwisicwangciso sabo.
Kubaluleke kakhulu ukubuza ngokukhawuleza malunga nomsebenzi we-orthodontic, buza malunga nomda wonyaka, ukuba kukho iingxowa-mali zonyaka okanye ezinye izithintelo kunye nokuba ukufihlakeleyo kuzo zonke izicwangciso zamalungu okanye ukuba kubandakanya kuphela abantwana abangaphantsi kwe-18.
Indlela yokufumana isicwangciso seSaphulelo samazinyo
Unenketho ezimbalwa malunga nendlela yokuhamba malunga nokufumana isicwangciso sezinyo. Unokufuna ukugqiba isigqibo sokuba ufuna isicwangciso se-inshurensi yamazinyo okanye isicwangciso sokuphuhlisa amazinyo kuqala. Ngecebo lokuphuhlisa i-inshurensi yamazinyo, uya kufumana ipesenteji ezithile ekutyeleni kwamazinyo kunye nokunyamekela kwe-orthodontic. Izicwangciso zentengo zingakukhawulela oogqirha abathile abafumana isicwangciso sokuphuhlisa. Uyakwazi ukufumana okungakumbi malunga neSicwangciso seDental Discount kwiDentalPlans database emele ngaphezulu kwama-40 ahlukeneyo.
Ngecebo le-inshurensi yamazinyo, uyayisebenzisa njengokuba uza kuyininshuwalense yezempilo. Unokuhlawula i-co-pay for some services kwaye mhlawumbi uhlawulelwe phambi kweenkonzo ezithile kuxhomekeke kwizinto ozikhethayo.
Yiyiphi Inkonzo Ye-Orthodontic Efihliweyo?
Izicwangciso ze-inshorensi zamazinyo okanye izicwangciso zokunciphisa amazinyo zinokukunceda ukuba ufikelele ekunyamekelweni kwempilo oyifunayo, kodwa kubalulekile ukuba uphando malunga naluphi unyameko olusesikweni. Ngaphandle kokuphanda i-orthodontic coverage, uya kufuna ukuphanda ezinye iinkalo ezine zesicwangciso sezinyo:
- Iintlawulo zeeNyanga
- Deductibles
- Uhlawula imali
- Ezingabikho.
Iimeko zonke zihluke ngoko nje ngokuba ufumana isicwangciso samazinyo nge-premium ephantsi, oko akuthethi ukuba isicwangciso esihle kakhulu kuwe .
4 Iindawo zokukunceda ufumane i-inshorensi yamazinyo
- I-National Association of Plans Plans isisityebi esinokukunceda ukuba ufumene isicwangciso, yindawo ye-inshorensi yee-inshurensi yamazinyo onokukunika ukhetho kunye nolwazi kwiiplani zamazinyo ezahlukeneyo ezikhoyo. Unokukhetha ukarhulumente wakho kwaye wenze uphando olusekelwe kwinto ofunayo. Iyakusindisa ngokwenene ixesha lokukhangela ngaphandle kwe-intanethi. Nantsi ikhonkco kwiphepha labo le-Facebook apho babelana ngolwazi kwaye baya kuphendula kwimilayezo.
- Njengoko usenza uphando lwakho ukuze ufumane isicwangciso esibandakanya i-orthodontics, ngaphandle kwemibutho kunye nezicwangciso zempilo zobulungu (ezinokusindisa imali) kufuneka uhlolisise nomqeshi wakho.
- Enye indawo ebalulekileyo yokujonga ngayo kukuthetha ngamaziko eenkosa kunye nama-orthodontic ukuba afumane ukuba zikhona na iziphakamiso. Ukwazi ukuba yiyiphi inshurensi abanye oogqirha bayamkela kubaluleke ngakumbi ukuba ungathanda ukuya kudokotela othile.
- Ukuba unomthengisi we-inshorensi okanye i-agent ye-inshorensi, unokufumana uncedo ekufumaneni isicwangciso esiza kuphendula ngokufanelekileyo kwiimfuno zakho kunye noko ufunayo, ukuba ufumanisa ukuba uphando lukhulu, banako ukukusindisa ixesha elithile.