Nangona ucinga wokuhlala esihlalweni somntu wamazinyo kwenza abanye abantu babe nexhala, iindleko ezinokuthi zibaninzi ziqhuba abaninzi. Ukuba unomshuwalense wamazinyo kumqeshi wakho-okanye unokukwazi ukuzithengela yona-kukulungele ukhethe icebo elijongene nokunakekelwa kwamazinyo wena kunye nosapho lwakho kuya kuyimfuneko ngoku nakwixesha elizayo.
Iindleko zokugaya amazinyo yilokho igcina ngaphezu kwesigamu sabathengi kude nomdokotela wamazinyo ngeminyaka ngexesha, ngokutsho kophando olwenziwa yi-American Dental Association.
Iindleko ezininzi zamazinyo zilula ukukulindela, nangona kunjalo, ngaphandle kwezoxakeka, ezifana nokuphula izinyo. Iimfuno zamathambo ezingabonakaliyo ngokuqhelekileyo zinokuthi ziqikelelwe ngokuqhelekileyo, ukuhlolwa okuqhelekileyo okuquka ukuxilongwa x-ray ukuhlola imeko yonke yamazinyo, iinsini kunye nomhlathi.
Ezinye iimfuno zokuqwalasela ukuba ngaba wena okanye ilungu lentsapho lingafuna ukunakekelwa okhethekileyo, njengama-braces okanye enye i-orthodontia, amazinyo okanye ama-dental implants okanye izithsaba okanye amabhuloho. Ezi ngokuqhelekileyo azihlanganiswa ngokubanzi njengokhathalelo oluqhelekileyo, olufana nokuhlolwa kunye nokuzaliswa.
Yintoni edibeneyo kwisiCwangciso samazinyo?
Zininzi iintlobo zenkonzo zifakiwe (kwiiyure ezahlukeneyo) kwizicwangciso zamazinyo eziqhelekileyo:
- Inkathalo kunye nokukhathalela okukhusela : Ezi ziquka ukuhloliswa ngezikhathi, ukucocwa, ii-ray kunye nokuzaliswa; izicelo ze-fluoride kunye ne-sealant zokukhusela izibonda; kunye neentlobo ezithile zonyango lomlomo, ukunakekelwa kwegum (ekwabizwa nangokuthi i-periodontics) kunye neengcambu zengcambu.
- Unonophelo olungxamisekileyo : Oku kubandakanya ukulungiswa okanye ukuphulwa kwezinyo okanye ukukhutshwa kwezinyo emva kwengozi echaphazela umlomo namazinyo.
- Unonophelo olunzima: Oku kuquka i-orthodontia, amazinyo okanye amabhuloho. Amalungiselelo amaninzi amazinyo agubungela isiqingatha seendleko zolu hlobo lwenkqubo.
Uhlobo lweeNkqubo zamazinyo
Izicwangciso zamazinyo ezikhethekileyo zentlalo-nkululeko zinikezela ngezinga eliphezulu lokuguquguquka. Oku kuthetha ukuba nayiphi na into yamazinyo aya kugutyungelwa, kwaye ukubuyisela akuxhomeki kulo hlobo lonyango olufunyenweyo.
Nangona kunjalo, izicwangciso zamazinyo amaninzi zilawulwa-izicwangciso zokunyamekela ezifuna izigulane ukuba zikhethe uluhlu lwama-dentists oluye lwavunywa ngaphambili kwinethiwekhi yabanikezeli abavuma ukuhlawula imali yabo. Eyaziwayo njengemibutho yokubonelela ngenkonzo, ezi cwangciso zivumela ukuba oogqirha bamazinyo kunye nezigulane bakwazi ukufumana unyango olufunekayo kwaye bafikele ipesenti ethile yeendleko zonyango.
I-PPOs inikezela ngokubanzi ukugqithiswa kunqanaba elilandelayo lokunyamekela, imibutho yezolawulo lwempilo yamazinyo (i-HMOs), ngokuqhelekileyo iintlawulo zeminxeba yamazinyo kwisixa esicwangcisiweyo kungakhathaliseki ubunzima benkathalo efunekayo.
Icandelo ngalinye lokubhengezwa linomlinganiselo ohambelana nexabiso, kunye neentlawulo ze-premium ezilungiselelwe inkululeko yokuzikhethela ziphezulu kunezo ze- PPOs okanye ii-HMO , ngokulandelanayo.
Plans Plans kunye neendleko
Ingakanani imali yokuchitha imali? Isicwangciso sokufikelela esinokuxhomekeka kuso sisekelwe kwiintlawulo zentlawulo ye-premium (edlalwa ngokukhawuleza kwi-paycheck yakho, ukuba umqeshi wakho unika i-inshurensi) kunye neendleko zezinyathelo zezinyo ezingabonakaliyo.
Ngokomzekelo, i-HMO inokuthi ichithe imali encinci kwi-paycheck yakho, kodwa uya kugqiba ukunyuka kweendleko zokugqibela zonyango olunzima, ezifana nezibridge, iziplantshi okanye i-braces. Akunakuba yinto enokuba nethemba ngayo.
Ngokwahlukileyo, ukuhlawula iiprayimari eziphezulu kwi-plan-choice-plan xa inkcazo yakho yamazinyo ingenakunzima kwaye udinga kuphela udokotela wamazinyo ukuba uhlambulule abamhlophe abamhlophe ngokuphindaphindiweyo ngonyaka.
Ngaphambi kokuba ukhethe isicwangciso sezinyo, tyelela udokotela wamazinyo uze ufumane uviwo olubandakanya isethi yokuxilonga x-ray. Ngaba ugqirha wakho wamazinyo uvavanye impilo yakho yamazinyo jikelele kwaye ugqibe ukuba yintoni, ukuba kukho na, iinkqubo ezinzima ezifunekayo kuwe (okanye oxhomekeke kuyo). Oku kufuneke ukuba kuhlolwe kufuneka kukutshintshe kwisikhokelo esiqinileyo malunga nokuba yeyiphi inqanaba le-inshurensi eliyakukukhusela kakuhle kunye nekhredithi yakho. Nangona akuyi kukwenza ukukhetha isicwangciso lula, kuya kwenza lula ukhetho lwakho kunye neemfuno zokugqiba umdlalo ophezulu.
Imithombo:
Ukukhetha Isicwangciso soNcedo samazinyo. 17 Septemba 2008. iWisconsin Dental Association.
IInshshu. 2009. I-American Dental Association.
Uphando kunye noPhando lwezoQoqosho kwiDentistry: Imibuzo ebuzwa rhoqo. 2009. I-American Dental Association.
Izinto Ozozicingisisa Ngaphambi Kokukhetha Isicwangciso seNtshumo yamaNyoko. 2007. Yonke i-Insurance Info.org.