Isicwangciso sombono siyinxalenye ebalulekileyo yesicwangciso sakho sezempilo nshuwalense. Ukuba unxibe iilazi okanye uthintela iilensi, isicwangciso sombono singakugcina imali eninzi. Nangona umbono wakho uphelile, isicwangciso sombono sinokukunceda ngeendleko zokunyamekela kwamehlo kunye nombono rhoqo. Ngenxa yokuba izifo ezininzi zamehlo azikho izibonakaliso okanye iimpawu, ukuhlolwa rhoqo kwamehlo okubalulekayo kuyinto ebalulekileyo ekugcineni amehlo nempilo enempilo.
Izicwangciso eziliqela zembono ziyafumaneka namhlanje.
Iintlobo zeziCwangciso
- Amaphulo amakhulu eMiboniso: ISicwangciso soNkonzo seMboniselo (VSP) kunye ne-Eyemed Vision Care zimbini zeeplani zamabonakude ezithandwayo ezikhoyo namhlanje. Ezi zicwangciso zibonelela ngeenzuzo ezibonakalayo ezibonakalayo kumanethiwekhi amaninzi anikezela ngeenkonzo ezizimeleyo ezizimeleyo.
- Izicwangciso zeSaphulelo : Ngamanye amaxesha ungabhalisela isicwangciso sezinyo kunye kunye, banokufakela isicwangciso sokuphuhlisa umbono. Ngenye indlela, unokuba ngumbutho weqela okanye umqeshi ekunika isicwangciso sokuphuhlisa umbono. Nangona ezi zikho izicwangciso ezibuyiselwa kwiinkonzo okanye izinto zokugqoka iimpahla, zinika indlela efanelekileyo yokufumana isaphulelo kwiinkonzo zonyango. Imizekelo ingaba yi-AAA, i-AARP, okanye uMthombo woMthombo 20/20 Isicwangciso soSondlo esinikezwa nguMthombo weMboniso, enye yeenethiwekhi ezininzi zeendlela ze-optometry zangasese kwisizwe.
- I-Akhawunti ze-Flex: I- Akhawunti ye-Flexible Spending Account (FSA) yenye yeenombolo zeeakhawunti zemali ezixhamliweyo zerhafu ezingasetyenzwa ngumqeshi e-United States. I-FSA ivumela umqeshwa ukuba abeke eceleni isabelo semvuzo wakhe ukuhlawula iindleko ezifanelekileyo, ngokuqhelekileyo kwiindleko zonyango. Ukuba unayo i-akhawunti ye-flex, mhlawumbi awudingi isicwangciso sombono. Izivivinyo zamehlo, iiglasi kunye neenlense zogcino ziqwalaselwa njengeendleko zonyango kunye ne-akhawunti yakho ye-flex.
- Inkxaso-mali yokuNakekelwa kwezeMpilo: Uninzi lwabasebenzi bezangasese basebenzisana neenkqubo zangaphandle zenkxaso, njenge-CareCredit patient financing. I-CareCredit igxile kwiinkqubo zokunakekelwa kwezempilo. Ngokuxhomekeke kwingxowa-mboleko yakho, unako ukufikelela kwiinyanga ezingama-24 zengeniso-mali.
- IiNkcukacha zoLondolozo: Ukunyamekela, inxalenye enkulu, yindleko ehleliweyo. Ngaphandle kwimeko yokulahleka okanye ukuphazamiseka kwengozi, uyazi ukuba ufanelekile kwiiglasi okanye ukuhlolwa kwamehlo. Abantu abaninzi bakhetha ukudala i-akhawunti encinci yokulondoloza kunye nokongeza imali encinci kwinyanga nganye.
Izicwangciso zembono ziyinxalenye ebalulekileyo yesicwangciso se-inshurensi yezempilo. Ngelishwa, ngamanye amaxesha isizathu sokuba abanye abantu batyelele uvavanyo lwamehlo wonyaka: Ukuba babengenaso icebo, mhlawumbi abayakuba banakekele amehlo. Ukubaluleka kweemviwo zamehlo eziqhelekileyo ziphantsi kakhulu. Izifo zamehlo ezinzulu zihlala ziphoswa ngabagqirha abaqhelekileyo. Izimo zamehlo ezifana ne- glaucoma azifumaneki ngokukhawuleza ngokwaneleyo ngama- optometrists okanye i-ophthalmologists ukukhusela ukulahleka kombono. Kuyaxhalabisa ukuba akuyiyo yonke imigaqo-nkqubo ye-inshorensi yonyango eyenza ibe ngumgangatho wokukhupha iindleko zeemviwo eziqhelekileyo. Ukuba ufumanisa ukuba ukhangele amehlo kunye nombono wokunyamekela ngenxa yezemali, yenza kube yinto ephambili ekufumaneni kunye nokutshala kwisicwangciso somboniso esinokufikeleleka. Musa ukuthatha amathuba kunye nezinto zakho ezixabisekileyo, amehlo akho acacileyo.
Umthombo:
Umbutho we-American Optometric. Isicwangciso soNkonzo, i-VSP, i-AOA, ngoMatshi 2007.