Xa kufika ixesha lokuthenga i-inshurensi yamazinyo, unokuzibuza ukuba yeyiphi ikhetho ekhoyo. Kukho iintlobo ezimbini zeentlobo zomshuwalense wamazinyo: ukubuyisela ngokuthe ngqo kunye nezicwangciso zamazinyo zendabuko.
Yiyiphi iReimbursement ngqo?
Isicwangciso sokubuyisela ngqo isicwangciso se-inshurensi yamazinyo esivame ukuxhaswa ngemali ngumqeshi wakho kwaye ikuvumela ukuba ukhethe nayiphi na into yamazinyo ngaphandle kokuphazamiseka kwintanethi.
Ngecebo lokubuyisela ngqo, uhlawulelwa ngemali esetyenzisiweyo kumsebenzi wamazinyo, ongagqithanga kwizonyango ezithile. Abanye abaqeshi banokukhetha ukuyibuyisela emva kokuba uhlawule umsebenzi wakho wamazinyo, kwaye abanye banokukhetha ukuhlawula umlenze wamazinyo ngokukushiya ngokukodwa ngeendleko ezingaphantsi kwee-pocket.
Izinzuzo
- Ungakhetha naluphi na ugqirha wamazinyo.
- Ayikho iiprayimari zenyanga zokuhlawula.
- Ngokuqhelekileyo akukho zintengiselwano.
- Ukugunyazwa kwangaphambili akudingeki.
- Unokubala isabelo sakho ngokuchanekileyo kwisicwangciso sonyango esinikezwe ngudokotela wamazinyo wakho, kungekho zindleko ezifihlakeleyo.
- Isicwangciso se-inshurensi ye-inshorensi ngokuthe ngqo ayinaso ixesha lokulinda. Ngokomzekelo, ezininzi izicwangciso zemveli zinomhlathi othi ufanele uhlawulelwe ixesha elithile ngaphambi kokuba ahlawule iingcambu zengcambu, izithsaba kunye nezinye iinkonzo ezinkulu.
- Akukho zizathu ezingekho phantsi kwezinyo.
- Intlawulo ngokuqhelekileyo ivunyelwe ukuba nayiphi na inkqubo yezinyo. Ezinye izicwangciso zokubuyiselwa ngokukhawuleza zize zibandakanye iinkonzo zokucebisa, ezinjengamazinyo aguqa .
Ingaba isebenza kanjani
Njengoko isicwangciso senkonzo yomshuwalense wezinyosi, isicwangciso-mali sokubambisa i-inshorensi ye-intanethi ngokuqhelekileyo sinesibonelelo esiphezulu sonyaka. Oku kuthetha ukuba isicwangciso siya kuhlawula kuphela inani elithile lomsebenzi wamazinyo ngonyaka. Isilinganiso semali yonyaka naluphi na uhlobo lwesicwangciso samazinyo lijikeleze i-$ 1,000 ukuya kuma-1,500.
Isicwangciso esiqhelekileyo sokubuyisela isicwangciso siya kuhlawula i-100% ye-$ 100 yokuqala echithwa kwiinkonzo zamazinyo; I-80% ye-$ 500 ezayo; kunye ne-50% ye-$ 1,000 ezayo.
Ukukhetha isicwangciso se-inshurensi yamazinyo kuyisigqibo esibalulekileyo kunye nokuqonda iintlobo ezahlukeneyo zamalungiselelo e-inshorensi yamazinyo ezikhoyo ziya kwenza le nkqubo ibe lula, kwaye iya kunceda ukuphepha imiba phantsi kwendlela.
Kwi-Out and Network of Dentists
Abantu abathile kunye nezicwangciso zokubuyiselwa ngokuthe ngqo akufanele ukuba bakhathazeke ngamanethiwekhi. Nangona kunjalo, abo banamalungiselelo e-inshurensi yamazinyo. Ukusuka : I
Uninzi lwezicwangciso ze-inshorensi zamazinyo ezizimeleyo ziya kuhlawula kuphela iinkonzo zamazinyo xa uya kwi-Intanethi yamazinyo. Fumana ukuba ufuna ukuba uye kumntu wamazinyo athatha inxaxheba okanye ukuba unokukhetha owakho . Ukuba isicwangciso sifuna ukuba ubone i-In-Network Network wamazinyo, cela uluhlu lwabazinyo bamazinyo endaweni yakho abanikezele kuyo ukuze unqume ukuba ngaba unamazinyo onokucinga ukuba uyakubona.