Unoda Chiremba wemazino asi Hauna Dental Inishuwarenzi?
Munhu wese anoda chirwere chemazino. Zvinosuruvarisa, havasi vose vanoziva kuti pane nzira dzakasiyana-siyana dzokubhadhara mazino uye mazino ekurapa. Pane dzimwe sarudzo kunze kwechigadzirwa chemazinesi chemazino uye izvo zvisarudzo zvinogona kukuchengetedza mari pamutano wako wemeno. Kana iwe uchida nzira yekubhadhara mazino ako emazino uye mazino emishonga emazino, heano mazino 4 mazino ezvokudya mazino uye mazano einishuwarenzi emazino iwe ungave uchida kufungisisa:
1. Indishuwarenzi yeDenho yeDental: Izvi ndizvo zvirongwa zvakawanda zvinoshandiswa uye zvinoshanda zvakafanana nehutano hwehutano inshuwarano.
Nehurongwa hwehutano hwehutano hwemazino iwe unobhadhara kwevhiki nevhiki kana mwedzi wepamwedzi uye unowana zvikwereti zvakadai se 80-100% yemari yako yezinyore yakavharwa. Unogona kuwana zvirongwa zvehutano hwehutano hwemazino kuburikidza nemushandirwi wako kana mugovereri we inshuwarisi Yeuka zvakadaro, kana iwe ukaenda kumumiririri weinishuwarenzi uye kwete iwe unoshandira iwe zvino mari yako ingave yakakwirira. Uyewo, mamwe maitiro uye matambudziko apamberi angave nenguva yekumirira kana kuti haingafukidzwi. Nguva dzose chengetedza nevashandirwi vako pakutanga kana uchitsvaka kutenga dare rezino.
2. Dental Reimbursement Plans: Chirongwa chekubhadhara mazino hachisi inshuwarisi asi pane rudzi rwechibvumirano pakati pako nemushandi wako. Neurongwa hwekubhadhara mazino iwe unobhadhara kuitira mazino ako emazino uye tora risiti yako kumushandi wako uye vanozokubhadhara iwe kusvika kumuganhu wakatarwa (kazhinji $ 500- $ 1000 pagore). Iyi ndiyo nzira yakanaka yekushandira mubhadharo kuvashandi vavo uye hakuna bato rinofanira kunetseka pamusoro pokubhadhara mari yemwedzi pamwedzi kune kambani yveshuwarenzi kana kuti inofanira kunetseka pamusoro pokusarudzwa kusarudzo mune mazino.
Kana iwe uchida pfungwa yekuva neurongwa hwekubhadhara mazino panzvimbo yako yebasa, ingobvunza mubatsiri wako!
3. Voluntary Group Plans Unoda dental inshurenzi panzvimbo yako yebasa? Ita pamwe chete nevamwe vako vashandi pamwe chete uye bvunza vashandi vako kuti vagadzire chirongwa chezvivako zvehutano hwehutano hwemazino. Nechirongwa ichi, iwe nevashandi vako vanobhadhara mari yose ye inshurensi yezino asi iyo yakagadzirirwa kuburikidza nemushandi wako kuitira kuti iwe unokwanisa kuwana boka ravari shoma uye zvichida zviri nani zviri nani ..
kune simba muhuwandu!
4. Dent Discount Plans: Urongwa hwekuderedza mazino hunogona kuva nzira yakanakire yekubhadhara mazino ako uye mazino ekurapa kwepamusoro. Dental discount plans haisi inshuwarisi asi pane imwe inogona kuwana tsanangudzo yakananga pane mamwe mabasa. Semuenzaniso: Iwe unoenda kunechiremba wemazino uye "kunze kwemugwagwa" mari ye $ 100 yekushanyira nekuchenesa. Neurongwa hwekudzivirira mazino, kana huwandu hwacho huri 20% asi panzvimbo yekubhadhara mari inowanzosvika $ 100 kushanyira / kuchenesa mari iwe waizongobhadhara $ 80 saka uwane 20% kubhadhara pamabasa ako. Izvi zvinoronga zvirongwa zvinowanzodiwa kuti iwe ubhadharwe mari yekunyora uye mari yaunowanikwa pamwedzi kumudzidzisi wezinotora mano asi iyo mari isiri pasi pe inshuwarisi. Uyewo, sarudzo dzako dzemazino dzichagadzirirwa kune madzinza ari munharaunda yako anobvuma chirongwa chemishonga inshuwarano yezino.
Neine mazano ezvirongwa zvemazino, tarisa pazvinhu zvose uye ona kuti chii chakanakisisa zvaunoda. Kune vamwe, chirongwa chekuderedza mazino chingangodaro chakanakisisa kwavari sezvo avo vashandi vasingatauri chero rudzi rwemishonga inshuwarano uye haadi kutaurirana chirongwa panzvimbo yebasa. Asi kune vamwe, kutenga inshuwarisi yezinyore kuburikidza nevanoshandira avo ndiyo yakanakisisa sezvo vane mhuri yekuchengetedza uye nhoroondo yezvinetso zvemazino.
Uye mune mamwe mamiriro ezvinhu, unganzwa uchida kubhadharira mazino kunze kwehomwe uye haifariri kubhadhara mari yepurayamisi nguva dzose yeinishuwarenzi yezino. Chinonyanya kukosha, chero chipi zvacho chaunosarudza iwe uchachengetedza mari yakawanda munguva yakareba nekuchengetedza ikozvino nemazinyo chekuongorora mazino kuitira kuti udzivirire chero kukuvadza kukuru kunodhura munguva yemberi.