10 Inishuwarenzi Makambani Anopa Vision Inishuwarenzi

Kuona Inishuwarenzi FAQs uye Vatapi Vanoona

Maererano nehuwandu hunobva kuCenters for Disease Control uye Prevention (CDC), mamiriyoni 14 eAmerica ane uwandu hwekuona - zvinodarika 80 muzana zvinogona kugadziriswa kuratidzwa zvakanaka nekururamisa kururamisa . Chiratidzo chakanaka ndicho chidikanwi chekurapa chakakosha uye icho chinowanzokwekwekwa paunosarudza hutano hwehutano inshumo.

Chiviso cheshuwarisi chinogona kana kuti chingave chisingabatanidzwi mumushandisi wehutano inshuwarano chirongwa kana kunyange mune zvirongwa zvehutano hwehutano .

Nehutano hwehutano hunoisanganisira zvirongwa zvepfungwa, inshuwarisi yemuono inopiwa inogona kunge isina kukwana zvakakwana iwe nevanotarisira. Kana zvakadaro, iwe une sarudzo yekutenga kuwedzera kwekuona inshuwarisi yemutemo. Maonero eushuwarisi anogona kuchengetedza mari yako yekutengesa kuderedza zvinhu zvakadai sekuchengetedza kwemaziso nguva dzose nezvimwe zvinodhura kusanganisira maziso kana mitambo yeLASIK.

Kubatsirwa kweChirongwa cheInishuwarenzi neZvirevo zvePurogiramu

Chiratidzo che inshuwarisi chinogona kukubatsira kubhadhara mari yakabatanidzwa nekutarisa kwemaziso sekuita zvegore negore kuongororwa kwemaziso, kuratidzwa kwekuona maziso, kuongororwa kwema-lens, kugadziriswa kwemaziso uye nezvimwe. Vazhinji vemainishuwarenzi emaziso vari kutanga kutowedzera maonero ekubudirira kune kuchinja kudiwa kwevashandi vehurumende nemhuri dzavo dzakadai sekuvhiyiwa kweziso maziso kururamisa zvachose dambudziko rekuona. Mabatsiro uye kusarudzwa kwematongerwo enyika kunofanana nekutakura. Iwe unogona kugara uchiwana mari yakakura kuburikidza nekusarudza kushandisa maziso ekuchengeta maziso ayo akanyorwa muhutano hwekambani yako yenyunyuta yekuda (PPO) network .

Ava "vanopa maitiro" vanopa rubatsiro nemabasa pamutengo wakaderedzwa kune nhengo dzezvirongwa zvekuona zviratidzo.

Maonero mazhinji ezvirongwa zvino anopa kushandiswa kwemari yekushandisa mari (FSA) ichikubvumira kushandisa mari yekare isati yabhadhara kubva kubhadhara yako yekubhadhara kuti ubatsire kubhadhara mari yekuona mari.

Iwe unogona kuda kukurukura zvakabatsiro zveurongwa uhwu pamwe nemutero wako wekutengesa musati waona kuti chirongwa chacho chinonzwisisika kwauri. Zvakakosha kuziva kuti mari yakagadzirirwa muFSA inogona kunge isina kuenderera mberi mugore raitevera.

Kazhinji Vision Inoshuwarenzi Isingawaniki

Yese inshuwarisi mitemo yakaronga zvisiri izvo kuitira kuti iwe unofanira kuverenga hurongwa hwako zvakanyatsozive kuti chii chingaonekwa nehutano inshuwarisi. Zvisingazogadziriswa zvichasiyana zvichienderana nekambani yveshuwarenzi asi zvimwe zvezvinowanzozivikanwa zvisiri izvo zvinosanganisira:

• Ongororo dzeziso dzakapiwa munguva yekugara muchipatara
• Shandisai lens kuongorora
• Zvinyorwa
• LASIK uye zvakafanana kururamisa maonero matsva
• Chiedza chine lenzi
• Vision therapy
• Eyeglass tinting
• Kudzorerwa kwevakarashika kana kubiwa vhidhiyo lenzi kana mapuranga

Kungofanana nokuti zvinhu izvi zvingave zvisingabatanidzwi kubva muhutano yemainshurenzi yako hazvirevi kuti kugovera hakuwaniki. Iwe unogona kuwedzera kugoverana kumutemo wako wezvinhu izvi kuburikidza nekubvumirana kwepurogiramu (mutemo anotasva) pane imwe yero premium. Tarisa nemumiririri weinishuwarenzi kana iwe usina mubvunzo pamusoro pekuwanikwa kwehutano yemainishuwarenzi.

Vision Discount Plans

Chirongwa chekutsvaga maonero chinopa "kutapudza zvishoma" pamabasa ekuratidzwa kazhinji zvinosanganisira kubhadhara zviyero zvekuongorora kwemaziso, mamwe maitiro ekuvhiya, maziso anosanganisira magirazi emaziso uye manotsi ekukurukura nezvimwewo.

Iwe unofanirwa kubhadhara mari yakasara yebhadharo yemashure mushure mekuderedzwa kwave kushandiswa. Rimwe ruzivo rwerongwa hwekutsvaga kwekuona ruchienzaniswa nehutano hwehutano bhudhiyo ndechekuti premium yako yeruzhinji ichave yakaderera. Icho chisarudzo chikuru chokufunga nezvemhuri iri mubhajheji.

Iko Kunotarisirwa Kwekuona Kuchengetedzwa neye kunze kweInishuwarenzi

Maonero eushuwarisi ipfungwa dzisina mari. Paavhareji, inishuwarenzi yemaonero inopiwa neunoshandira ingabhadhara mari shoma se $ 3 pamwedzi. Purogiramu yehupfumi yega yega inogona kubva kune $ 15- $ 75 madhora pamwedzi kune vanhu nemhuri. Neurongwa hwehushuwarisi hwekuona, unogona kutarisira pasi-kubhadhara mari, kubhadhara uye kubatsira zvakakwana. Kazhinji, zvirongwa zveinishuwarenzi zvekuona zvichabhadhara US $ 15 kuenda kune imwe kuongorora uye $ 100- $ 120 kuti uwane lenzi kana magirazi emaziso.

Pasina inshuwarisi yemaonero chero ipi zvayo, unogona kutarisira muongorori wenguva dzose kuti uwane mari kubva kune $ 50 kusvika ku $ 100 madhora zvichienderana nemutengi. Mitengo yegirasi remaziso kana kuti mashizha ekutambisa anotanga kumativi $ 100 uye inogona kuenda ku $ 500 kana kupfuura.

Kuwana Zvakanyanya Kupfuura Zvako Pfungwa Yveshuwarenzi

Kuti uwane zvakakosha kubva pane inshuwarisi yako yekuona, unofanirwa kunzwisisa zviripo zvakapiwa uye mabasa asina kubviswa. Uyewo, mamwe mabasa anoburitswa pasi pehutano hwehutano hwehutano hwehutano hwakadai sekumwe zvirwere zveziso uye kukuvara kusingatarisirwi kwemaziso uye hazvifaniri kutorwa pamushumo wemishonga yveshuwarisi. Verenga mutauro wemitemo zvakanyatsonaka. Zvimwe zvirongwa zvinosanganisira zvikomborero zvinopera gore negore, zvinoreva kuti kana usingashandisi, unorasikirwa nazvo; zvakadai sekuwana gore negore rekucherechedza kwekuona kwemaziso rakaitwa. Kana iwe uine mari yakachengetwa muAFSA account, iva nechokwadi chekushandisa mari iyo pamaziso ako asati apedza.

10 Inishuwarenzi Makambani Anopa Vision Inishuwarenzi

1. VSP Direct : VSP Direct inogamuchirwa nevanhu vanopfuura 36 000 vanoona maonero uye vanowanika kuburikidza nevanoshandira zvikwereti kana pakutengesa maonero ehurumende yemainishuwarenzi. Nhamba yekuvhara inosanganisira chirongwa chakakwana chezvimwe zvekuchengetedza kwemaziso zvakadai sekuongororwa kwegore kwegore uye kusarudza kwemasviki matsva kana magirazi emaawa gumi nemaviri. VSP Direct inopawo mvumo yemitemo yeLASIK.
2. EyeBenefits : EyeBenefits ndeye rudzi rwakasiyana rwekuona inshuwarisi yekuvharidzira nebhadharo yegore negore panzvimbo yebhadharo yemwedzi waunofanira kubhadhara. Hapana mitsara pane nguva yaunogona kushandisa kugoverwa mukati megore. Ikambani ichabhadhara chikamu chemari yekutarisa maziso uye maitiro. Iwe unogona kutenga chinyorwa kubva kune imwe kusvika pamakore matatu. Nhengo dzinokubvumira kuti uwane kutengesa kwema20 kubva muzana pamisheni yegorosi yepamusoro uye kusvika pamakumi matatu kubva pamakamuri ekuongorora lenzi. Kurasikirwa kunowanikwa kunobva kune waunopa waunoshandisa. Iko kunokonzerwa kweLASIK kunogona kunge yakaenzana ne50 muzana zvichienderana nemutengi. IWebBenefit's network ine nzvimbo dzinopfuura 12,000 dzinosanganisira nzvimbo dzakakurumbira dzakadai seLensCrafters, VisionWorks nezvimwe. Imwe con ndeyokuti hapana purogiramu inowanikwa kune kunze kwe-network providers.
3. Purogiramu yeAmerica : Vision Plan yeAmerica inopa huwandu hwehuwandu hwehupfumi pane kubhadhara nehuwandu hwehuwandu hwemhosva yekuonekwa. Iyo kambani yakadzika muCalifornia uye yakange iri mubhizinesi kubvira muna 1986. Inopa mamwe maitiro ekugadzirisa lens apo iwe uchitenga magirazi uye $ 190 uchienda kunotenga lens progressive. Matengo anonzwisisika; zvisinei, iwe unogona chete kusarudza umwe wekuchengeta maziso neurongwa urwu.
4. Humana : Humana inopa zvikwereti pane imwe nzvimbo yakadzika. Nhamba dzepamusoro pekutanga dzinofananidzwa nedzimwe nhepfenyuro dzehutano hwehutano hwepamusoro uye dzinopomerwa semari yepamwedzi pamwedzi kune avo vanoita zvematongerwo enyika. Ziso rakagadziriswa rinowanikwa kune Humana policyholders kuburikidza neFramesDirect.com. Kuderera kwemaziso ekuongororwa kwemaziso, gore rimwe nerimwe maziso ekugadzirisa, nzvimbo yepasi yepamusoro uye mari yakawanda inoita Humana chisarudzo chakanaka chokufungisisa paanosarudza maonero emishuwarenzi. Chiratidzo cheHumanana Chirongwa chekufungidzira chinopa mari yekubhadhara imwe nguva.
5. Aflac : Aflac inonyanyozivikanwa mupiro wehuwandu hwemapurisa ehurumende uye inopa inshuwarisi yemaonero kuburikidza neurongwa hwevashandirwi kana nekutenga mumwe munhu inshuwarisi. Aflac ichabhadhara mari yekubhadhara mari gore negore kuitira kuongororwa kwemaziso. Batsiro inobhadharwa zvakananga kune policyholder. Kubatsirwa, kukwana uye kusarudzwa kunopesana nehurumende asi paavhareji Aflac ichabhadhara madhora makumi maviri nemakumi mashanu ekuongororwa kwemaziso uye $ 175 kune magirasi matsva.
6. UnitedHealthcare : Vision Insurance kubva kuUnitedHealthcare inonyorwa ne Golden Rule Insurance Company. Hapana nguva dzekumirira uye kugoverwa kunowanikwa kumarudzi ose. Unogona kuchengetedza kana ukashandisa mumwe wevashandi vaidiwa asi kugoverwa kunowanikwawo paunenge uri kunze kwe-network kuona mutarisiri. Kuongororwa kweziso chekubhadharwa kweyesayenzi ibha $ 10 uye kukwidziridzwa kunowanikwa kuvhiya kweziso maziso. Vision yveshuwarenzi inowanikwa semutasvikiro kune chirongwa chemazino asi inshuwaroni yemashuwarisi ekuona inowanika mune dzimwe nyika.
7. Aetna : Aetna inopa inshuwarisi yemaonero munyika yose kuburikidza nehutano hwezviuru zvevanhu vanozvimirira. Iko unofanirwa kupa mupiro yveshuwarenzi yekuona vevashandi vehurumende. Purogiramu zvinhu uye kuwanika kunopesana nehurumende. Aetna maonero vashandi vanogamuchira mari yakawedzerwa pavanogara mu-network pane zviratidzo zvekucherechedza zvinosanganisira retinal imaging discount, LASIK chirwere chekuona maziso, 40 muzana kubva pamakirasi enyu echipiri pamwe chete nezvimwe zvikwereti zvakakwana uye makononi anowanikwa chete kune Aetna nhengo.
8. Cross Cross : Blue Cross inopa urongwa hwekuona kuburikidza neEyesMed Vision Care. Nhengo dzine ruzivo rwevanopfuura 18,000 vanotarisira panzvimbo 10 000 dzinosanganisira optometrists, ophthalmologists uye varapi vezvikokota. Kurudzisa kuburikidza neEyesMed Vision Care inonakidza uye inogona kuva yakawanda ye50 muzana pane maziso uye maziso ekuchengeta maziso. Kuvhiyiwa kwema Laser inowanikwawo paanotapudzwa. Nhengo dzinogona kuwana nzvimbo yekushandura lens nekutumira mameseji.
9. Chiratidzo cheDavis : Vision ya Davis inonyanya kuonekwa mune zvakaratidzwa uye ine mazano akawanda ekuona zvirongwa kuti zvikwanise mararamiro ako nemaonero ekutarisira. Shanduko Chimiro che lenzi chinowanikwa chete kune avo vaDonald Vision vane co-pay ye $ 65. Kuburikidza nechimwe chezvirongwa zvezviratidzo zviripo, une chinyorwa chekuongorora kwegore gore negore, maziso, kutarisa kwemaziso nehutano hwakanaka uye mabasa ekuchengetedza maziso maziso. Iyo Affinity Discount Program inopa zvikwereti zvakakura uye miongororo uye maziso.
10. Ameritas : Ameritas inopa inshuwarisi yemaonero kuburikidza neurongwa hwevashandirwi kana sevhisi yemavhuwarisi purogiramu uye inopa kuwaniswa kwehutano kune vaviri vevakuru vakawanda vanoona; VSP uye EyeMed. Urongwa hwe20/20 Plus hwevanhu nemhuri hunokubvumira kuti usarudze waunopa iwe asi unopa mari yekuchengetedza mapuranga uye lenzi kutenga kubva kuWalmart Vision Centers munyika yose. Izvozvi hazvikwanisi kubhadharwa uye hapana nguva yekumirira uye inokwereta $ 40 pamubvunzo wegore negore.

Pfungwa dzekupedzisira nekufungisisa kwekusarudza maonero Ashuwarisi Anopa

Chiratidzo Inishuwarenzi inowanzopiwa sechikwata chekuwedzera kune chirongwa cheshuwarisi yehutano. Iwe unogona kutenga inshuwarisi yemaonero sekuwedzera kune mutemo wako uripo kana kuti semutemo wega-oga. Nzira dzakawanda dzarudzo dzinowanika uye dzinogona kugadziriswa kuti dzikwanisire mhuri yako maonero epishuwarenzi inoda. Kana iwe ukasarudza kutenga inshuwarisi yemaonero, verenga sarudzo yako zvakanyatsotarisa kusanganisira maonero ehushandi yemishonga yehushandi uye zvinyorwa. Kana usina chokwadi pamusoro pechinhu chero chipi zvacho, sangana nemumiririri wemakambani yveshuwarenzi kana mujeri wenyu wehushuwarisi kuti uone kuti iwe nemhuri yako mune maonero akanaka ekuchengetedzwa kwemaonero.