A inshurense yemainini yekumirira nguva ndeye nguva yakareba mushure mekutenga chirongwa chako chemazino chaunofanira kumirira usati washandisa kushandisa zvakakwana zvekuvhara.
Ko Dental Inshurenzi Yakamirira Period Basa?
Munguva yehutano hwemazino kurindira nguva, kambani ye inshuwarisi yezinso haichabhadhari zvimwe zviito. A mazino anobatsira nguva yekumirira inogona kupera chero kubva pamwedzi mashomanana kusvika gore rose, zvichienderana nerudzi rweurongwa wawakatenga uye inshuwarheni inobatsira mazwi.
Mashoko ezvakanyorwa muurongwa pakarepo maererano nezvinovhiringidzika zvinotarisirwa nenguva yekumirira zvichajekeswa zvakarongeka muchirongwa chako cherongwa.
Mushure mokunge nguva yekumirira yapera, ipapo zvizere zvizere zvinowanikwa kwauri.
The Basics of Dental Insurance Kumirira Nguva
Nguva yekumirira haisi kushanda nguva dzose kumabatsiro ose, inowanzotaura zvakananga kune dzimwe nzira uye kwete tsika yekuchengetedza
- Inishuwarenzi yezinso inopera nguva dzinosiyana zvichienderana nekambani
- Haasi ose makambani einishuwarenzi emazino ane inshuwarano yezinyore yekuchengetedza nguva
- Kazhinji, kushandiswa kwevaranda-mazano ezvirongwa zvemazino hazvina nguva yekumirira
- Kana iwe wakanga wapfuura inshurensi yezinso, iwe unogona kuisa ruzivo kune chirongwa chako chitsva che inshurensi yehutano uye vanogona kunge vachida kusiya nguva yekumirira munyaya dzisina kumbobvira dzikaitika.
- Kana uri kutenga mishonga yemainishuwarenzi matsva nokuti hausisiri kushanda kumushandi uyo akambozvipa iwe, unogona kutarisa kufanana nemararamiro ehurongwa inshuwalense yekambani uye kukumbira chirongwa cheumwe munhu, izvi zvinogona kurega nguva yekumirira inoda.
Sei kune Periodhi Period paDental Insurance Plan?
Kambani yeInishuwarenzi yezinyoreso inosarudza kushandisa nguva yekumirira kuitira kuti vatengi vasiri kungozvitengera inshuwarisi yezinyore apo pavanenge vakaisa maitiro akawanda emazinyo avo avo vanoda kuvharwa uye gare gare vanongosiya inshuwarano yezinyore mushure mokunge inshuwarisi yemishonga yemishonga yapera .
Dental Insurance Kumirira Periods Kazhinji Kungoshandisa Zvimwe Zvinobatsira
Kazhinji, chirongwa chemazino hachizoshandisi nguva yekumirira kune zvipo zvose, sezvo zvinonzwisisika kuti chirongwa ichi chichabhadhara pane zvimwe zvinyorwa zvinyorwa gore roga roga nokuda kwemazano emarongerwo emarongerwo emagetsi chero zvakadaro.
Dental Benefits Kurindira Nguva dzeMhando dzeZvibatsiro Zvakasiyana uye Nzira
Kunzwisisa izvo zvikamu zvinopinda munguva yekumirira zvinokosha. Dhipatimendi yako yeinishuwarenzi yezinyoreso inogona kunge inoratidzira zvinyorwa mumapoka matatu:
- Chinokosha : Chekutanga hurumende inogona kuva nemwedzi mitatu kusvika kumwedzi yekumirira, uye "Maitiro" maitiro anogona kuva nemwedzi mitanhatu kusvika kumakore gumi akamirira.
- Kudzivisa : Zvidziviriro zvinogona kunge zvisina nguva yekumirira. Nokudaro zvimwe zvingabvira zvingave zvichitowanikwa pasinei nenguva yekumirira, zvakadai se X-rays, cleanings, fluoride treatments.
- Majoka Akashanda: Basa guru rinofanira kurondedzerwa mushoko rako rezvematongerwo enyika uye rinogona kusiyanisa kubva kune imwe kambani kuenda kune imwe kambani. Ngwarira kutora basa guru pasina kubvunza neurongwa hwako pakutanga.
Mienzaniso Yekuti Dental Inshurenzi Yakamirira Nguva Inoshanda Sei?
Kana iwe ukasarudza kutenga chirongwa che inshurensi yezinyoreso dze meno nekuti iwe wakangowana kuti iwe unoda korona, inishuwarenzi yekumirira nguva inogona kukudzivirira kuti usakwanisa kuvhara nzira yacho apo iwe unotenga inshuwarisi yako yemeno.
Nguva yekumirira inogona kupera kusvikira pagore pane mamwe maitiro makuru.
Muenzaniso 1: Joan aida korona. Akasangana nekambani yake yeinishuwarenzi yezinso kuti aone kuti chii chaainge aine chekuita. Imwe kambani ye inshuwarisi yakataura kuti yakanga isina chekugadzirisa iyo nzira sezvo iye aingova ne inshuwarisi ye meno kwemwedzi mitatu uye nzira ipi zvayo yekorona yakanga ine mwedzi mitanhatu yemishonga inshuwarisi yekuchengetedzwa kwemazino.
Imwe nguva yekumirira yakapera, zvino mazano emeno inogona kuve nyore kusvika.
Muenzaniso wechipiri: Anna anoda kushanyira chiremba wemazino kuti aongorore uye achenese, asi chirongwa chake chemazino chimiro hachina kupfuura. Ari kunetseka kuti chiremba wemazino achada kutora x-ray uye kumupa mari yakawanda nokuda kwebasa iri. Anomudana mazino anobatsira chirongwa chemugadziri uye anoona kuti kunyange zvazvo ane gore rimwe chete akamirira basa guru re "Major" sekorona, uye mabhiriji, kuti zvose zvinyorwa zvinyorwa zvinosanganiswa.
Anofara kuziva kuti ma x-ray achafukidzwa, pamwe chete nekuchenesa kwake, uye kana vakawana chero matanda, chirongwa chake chichavhara icho zvakare. Sezvo chirongwa chimwe nechimwe chakasiyana, aifara iye akadana sekukwanisa kuwana ruzivo rwezvimwe zvezvibereko zvake pakarepo.
Zvaungaita Kana Utano hweMeno Hahudzidziswe Pamusana Penguva Yokumirira
Kana chirongwa chemazino chichidiwa asi chisina kubviswa nekuda kwemainishuwarenzi emishonga yekumirira nguva, bvunza mazino ako kana pane chimwe chinhu chavanogona kuita kukubatsira kutarisira mari. Dzimwe nguva chiremba wemazino angafunga kukupa zvishoma kana kufunga zvirongwa zvekubhadhara. Kumirira nguva yekumirira kuti ipedze kuita basa guru remazino ringasave rakanaka. Chiremba wako wemazino achakwanisa kukupa maonero avanoita mazano, zvisinei kana iwe ukaita masvomhu, hupfumi hwakawanda hunopera nehutano hwemainishuwarenzi hunomira hunogona kuvharwa kusvika kusvika ku50%, saka uchirega dambudziko richiwedzera kupfuura mwedzi yakawanda kumirira iyo inogona kukudhura iwe zvakawanda kupfuura iwe inshuwarisi yezino menyu ingatove iri kubhadhara. Utano hwako hunofanira kutanga.
Uyewo yeuka kuti zvirongwa zvakasiyana-siyana zvemadzinza zvinowedzerawo mari yakawanda inobhadhara uye inokwaniswa kuitira kuti iwe ude kuongorora nhamba idzi zvakare kuti unzwisise kana nguva yekumirira iri kukudhura chero chinhu.
Dental Insurance Kumirira Period uye Dental Insurance Maximum Benefits Muenzaniso
Edward anofanirwa kuva ne "basa guru" rakaitwa pazino, sezvinotsanangurwa neurongwa hwake, harisi pasi pe inshuwarano yake yezinso nekuti iye achiri pasi pekumirira kwenguva. Mutengo weiyo ndiyo $ 1500 uye chirongwa chemazino chaizongobhadhara 50% chete.
Mukuwedzera, iyo yakawanda inobhadharwa kuronga kwaEdward gore ndeye $ 1500. Anosarudza kuwana kuongororwa kubva kune mazino ezvimwe basa rose rinokosha kuti riitwe, sekuve nemakumbo akawanda akazadza, x-rays, kuchenesa uye mamwe maitiro ekudzivirira uye ekudzivirira, kana aongororodza zvose, uye anoverenga zvinodhekwa, anoziva kuti iye aizorova huwandu hwechirongwa chake kunyange kana nguva yekumirira yakanga isiri munzvimbo. Anosarudza kuenderera mberi nebasa uye kuwana chirongwa chekubhadhara navechiremba wemazino, uye anoshandisa inshuwarisi yekuita kurapwa kunoputirwa nepurogiramu yekudzivisa izvi kuti zvirege kuitika zvakare mune ramangwana.
Kushandisa Dental Inshuwalano Period Period kusvika kuDent Dental Insurance Costs
A mazino anobatsira pakumirira nguva inogonawo kushandiswa senzira yekudzivirira mari yeinishuwarenzi mari. Iyo yakareba iyo inshuwalano yezinyore iyo yakamirira nguva, iyo yakaderera iyo premium yerinishuwarenzi yezinso inogona kuva. Iri sarudzo inonyanya kubatsira kana iwe wakagara uchichengetedza mazino ako kuti udzivise maitiro makuru ekurapa uye kushanyira. Kupinda chirongwa chemishonga inshuwarano yezinso kana usati wave wakavharwa usati wave wakaoma uye unoita sewokudhura, asi kubatsira kwenguva refu yekuwana mazino ehutano hwehutano hwehutano hunogona kukuchengetedza mazana emadhora munguva refu.