Fumana iiNdaba ngaphambi kokuba uthenge
Ukubonisa udokotela wamazinyo yinkalo enkulu kwiintsapho ezininzi. Innshurensi yamazinyo ingaba yindlela enhle yokuqinisekisa ukuba wena nosapho lwakho nihlala ninokufikelela kwonyango lwamazinyo oyifunayo.
Ngenxa yokunyuka kweendleko zokuya kwidokotela wamazinyo, abaninzi abantu banzima nesigqibo sokuba ingaba kuthenge i-inshurensi yamazinyo. Ingaba ucinga ukuthenga i-inshorensi yamazinyo ngomqeshi wakho okanye ngokuzimela, qi niseka ukuba uphando ngezicwangciso ezahlukeneyo kwaye ubuze imibuzo malunga nezinto ezibhalwe ngezantsi.
Olu lwazi luyakunceda ukhethe isicwangciso se-inshurensi yamazinyo ngaphambi kokusayina kumgca wecala.
Ukungaqiniseki kunye nonyaka
Unyaka ophezulu uninzi lwemali yokuba isicwangciso se-inshurensi yamazinyo siya kuhlawula kunyaka opheleleyo. Unyaka ophezulu uya kuvuselelwa ngokuzenzekelayo rhoqo ngonyaka. Ukuba ungayisebenzisi inzuzo, ezi zinto aziyi kululeka. Uninzi lweenkampani ze-inshurensi zamazinyo zivumela ukulinganisa iminyaka engama-1 000 ngonyaka.
Ngaphakathi / ngaphandle kweeNethiwekhi zamaDentare
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.
Ukuba unqwenela ukuhlala kunye nodokotela wamazinyo akho, ezinye iinkqubo zivumela ukuba ubone iDentist of Out-of-Network, nangona kunjalo, iindleko ezihlanganisiweyo zinganciphisa kakhulu.
I-UCR (Uhlobo olusesikweni kunye nolungqiqo)
Phantse zonke iinkampani ze-inshorensi zamazinyo zisebenzisa into ebizwa ngokuba yi-Usual, Customary, ne-Reasonable (UCR). Oku kuthetha ukuba babeka ixabiso labo abaza kuvumela zonke iinkqubo zamazinyo azigubungelayo. Oku akusekelwe kwinto eyenziwa yi-odokotela wamazinyo, kodwa yintoni inkampani ye-inshurensi yamazinyo ifisa ukuyifaka.
Umzekelo, udokotela wamazinyo angakhokhela i-$ 78 yokucoca kwamazinyo, kodwa inkampani yakho yomshuwalense izakuvumela kuphela i-$ 58 kuba loo mali i-UCR ayimisile.
Ukuba ungumgaqo-nkqubo ofuna ukuba uye kumniki-nxaxheba, akufanele uhlawulwe umlinganiselo phakathi kwamaxabiso amabini. Udokotela wamazinyo ngokugqithiseleyo unesivumelwano kunye nenkampani yomshuwalense ukuba ibhale umehluko kwiintlawulo. Ukuba umgaqo-nkqubo uvumela ukuba uye kwidokotela wamazinyo okanye unyango wamazinyo ozikhethelayo, khangela inkcazo yenkampani ye-inshurensi ye-UCR ngokumalunga nemirhumo yonyango wamazinyo. Unokufuneka uhlawule umehluko kwi-pocket yakho, nangona kunjalo, awukwazi ukubeka iteksi yentengo kwiinkathalelo zamanqwanqwa.
Iintlobo zoHlelo
Ngokweenkampani ezininzi ze-inshurensi zamazinyo, iinkqubo zamazinyo zidilizwe zibe ziintlobo ezintathu:
- Ukuthintelwa
Iinkampani ezininzi ze-inshorensi zijonga ukucocwa rhoqo kunye neemviwo njengonyango lokunakekelwa kwamazinyo, nangona kunjalo, i-X-rays, i-sealants, kunye ne-fluoride inokuthi ithathwa njengokhuselo okanye isiseko, kuxhomekeke kwi-inshurensi ethile.
- Esisiseko okanye sokubuyisela
Isisiseko esisisiseko okanye sokubuyisela amazinyo ngokuqhelekileyo siquka ukuzaliswa kwamazinyo kunye nezenzo ezilula. Imijelo yomhlaba ingaqwalaselwa njengesiseko okanye esikhulu. Nangona kunjalo, uninzi lwezicwangciso zamazinyo luluhlu lweengcambu zomngcipheko njengesiseko.
- Mkhulu
Amakhanda, amabhuloho, amazinyo , amaqhezu, ukuchithwa kwamagqabantshintshi kunye nokufakelwa kwamazinyo yindlela yamazinyo eninzi amaqumrhu ezinkampani zomshuwalense njengamaqhinga.
Ekubeni zonke iinkampani zomshuwalense wezinyununu zohlukile, kubalulekile ukucacisa ukuba yeyiphi inkqubo yamazinyo ewela phantsi kwinqanaba ngalinye. Oku kubalulekile kuba ezinye iinjongo ze-inshorensi azibandakanyi iinkqubo ezinkulu kunye nabanye banamaxesha okulinda kwiinkqubo ezithile. Ukuba uyazi ukuba uzakufuna umsebenzi omkhulu wamazinyo ongafihliweyo kwisicwangciso esinikeziwe, kufuneka ukhangele kwenye indawo ukuba ufumane enye ifanelekile zonke iimfuno zakho.
Ixesha lokulinda
Isikhathi sokulinda ubude benkampani yenkampani yomshuwalense iya kukulinda emva kokuba ufihliwe phambi kokuhlawula iinkqubo ezithile. Ngokomzekelo, ukuba ufuna isithsaba kwaye umgaqo-nkqubo uneenyanga ezili-12 okanye ixesha elide lokulinda, amathuba okuba sele ukhokhele isithsaba sakho ngelixa uhlawule iiprimiyam kwaye ulinde.
Isigatshana seNyosi esilahlekanga kunye nexesha lokutshintsha
Amaphesenti angaphezu kwe-90 yama-inshorensi yamazinyo athatha "isigatshana sezinyo ezilahlekileyo" okanye "isigatshana sokutshintsha." Uninzi lubandakanya ubuncinane enye yale mihlathi, kodwa ininzi inabini. Igatya lezinyo elilahlekileyo likhusela inkampani yomshuwalense ekuhlawuleleni ukutshintshwa kwezinyo ezazingekhoyo ngaphambi kokuba umgaqo-nkqubo usele. Ngokomzekelo, ukuba ulahlekelwe inyo phambi kokuba kuqhotyoshelwe ukugqitywa kwakho kwaye kamva ugqibe ekubeni ufuna ukukhetha inxenye, ibhuloho okanye ukufakelwa, inkampani yinshurensi ayifanele ihlawule loo nkonzo ukuba inesigatshana esichaphazelekayo kwisicwangciso. Igatya lokutshintsha lifana noko ngaphandle kokuba inkampani yomshuwalense ayiyi kuhlawula ukubuyisela iinkqubo ezifana neenthambo zamathambo, iinxalenye okanye amabridri kude kubekho ixesha elidlulileyo elidlulileyo.
I-Cosmetic Dentistry kunye ne-Dental Insurance
I-dentistry yonyango yiphina inqubo yenkqubo eyenziwa ngeenjongo zokungafani. Ukunyuka kwamathambo kuthandwa kakhulu. Nangona iziphumo zihle kakhulu, khumbula ukuba i-99.9 ipesenti zeenkampani ze-inshorensi zamazinyo aziyi kuhlawula i-cosmetic dentistry.
Umlinganiselo opheleleyo
Ngaphambi kokuthatha isigqibo sokuba uthenge i-inshurensi yamazinyo, qhagamshelana nodokotela wakho wamazinyo ngokumalunga nesicwangciso sonyango lwakho. Ngale ndlela unokugqiba isigqibo ukuba ngaba uya kuba ngcono okanye ungenayo inshurensi yamazinyo. Into ebalulekileyo ekufuneka uyikhumbule ngokuphathelele nayiphi na isicwangciso se-inshurensi yamazinyo kukuba loo inshurensi yamazinyo ayikho konke efana ne-inshurensi yezobisi. Isininzi seenkokhelo ze-inshorensi zamazinyo zenzelwe ngenjongo yokukhusela kuphela amazinyo angundoqo ama-$ 1,000 ukuya kwii-1,500 zamaxabiso (malunga nomlinganiselo ofanayo owakhusele iminyaka engama-30 edlulileyo) ngonyaka kwaye ayihlose ukubonelela ngeenkcukacha ezinjenge-inshorensi yezobisi.
Intshurensi yamazinyo
Ukuncedisa ngemali ukunakekelwa kwamazinyo akho, iiofisi ezininzi zamazinyo ngoku zinika izicwangciso zokuhlawula i-interest free-interest because they understand that inshorense yamazinyo ihlawula inxalenye encinane.
Ukuba uthatha isigqibo sokuba ukuthengwa kwe-inshorensi yamazinyo kuyona nto ikhethekileyo kuwe okanye intsapho yakho, ezi ngcebiso kufuneka zikuncede ukhethe icebo le-inshurensi yamazinyo.