Kodi kuyeretsa mano kumawononga ndalama zingati popanda inshuwaransi? . Zotsatira zowerengera zotsatirazi ndizoyimira zonse. Muyenera kupeza mitengo kuchokera kwa omwe amapereka kwanuko pazinthu zilizonse zomwe mukuganiza.
Kuwunikanso pachaka kapena kawiri
Kuyezetsa mano kwapachaka kumaphatikizapo kuyeretsa mano ndi kuyezetsa magazi, chingamu, ndi mavuto ena am'kamwa. Ma X-ray (ma radiographs) ndi matenda ena atha kukhala mbali ya msonkhano komanso kuwonjezera mtengo.
Dotolo wamankhwala kapena waukhondo amathanso kukambirana zaumoyo wanu wam'kamwa, kupanga malingaliro pazosintha moyo wanu kapena njira zodzikongoletsera, ndikuyankha mafunso anu [4].
- Kusankhidwa kwamano oyamba (wamkulu): $ 115 - $ 301 +
- Kusankhidwa Kwa Mano Akuluakulu Akuluakulu: $ 96 - $ 250 +
- Kusankhidwa kwamano kwapachaka kwa ana: $ 80 - $ 208 +
Kuyeretsa mano ndi kupewa
Kuyeretsa mano, komwe nthawi zina kumatchedwanso prophylaxis, kumaphatikizapo kuchotsa chikwangwani, tartar, ndi zipsera m'mano, ndipo nthawi zambiri amachitidwa ngati gawo loyesa mano pachaka kapena kawiri.
Mankhwala a fluoride [9] ndi dental sealant [10] atha kuthandiza kuchedwetsa kuwola kwa mano ndipo ndi ntchito zina zomwe zingalimbikitsidwe kapena kuchitidwa pakuyezetsa kwamano pachaka.
- Kuyeretsa mano akulu: $ 63 - $ 164 +
- Kuyeretsa Mano a Ana: $ 47 - $ 122 +
- Mankhwala a fluoride: $ 24 - $ 63 +
- Wosindikiza (pa dzino): $ 36 - $ 95 +
Njira zodziwira bwinobwino
X-ray imadziwikanso kuti X-ray ya mano. Bitewing ndi mtundu wofala wa X-ray wamazinyo womwe umawonetsa dzino m'munsimu ndi pamwamba pamzere wa chingamu ndipo umatha kuthandizira kuzindikira matenda a chiseyeka ndi zotupa pakati pa mano. Nthawi zambiri, mapiko anayi oluma amatengedwa ngati seti.
- Mafilimu okwera ma x-ray (mafilimu anayi): $ 44 - $ 116 +
- X-ray yoluma pang'ono (makanema awiri): $ 32 - $ 82 +
Nthawi ndi kangati zomwe mumafunikira ma X-ray zimadalira dokotala wanu wamano, momwe mkamwa mwanu muliri, zakhala nthawi yayitali bwanji kuchokera pamene mwakhala mukupita kwa dokotala wamazinyo, komanso mitundu yazovuta zomwe muli nazo.
Phunzirani za mtengo wa njira zina zodziwika bwino zamano monga kuchotsa mano ndikudzaza.
Mayeso Okhazikika Mano Ndi Ofunika?
Bwanji mukuvutikira ndi chisamaliro chamano chamano? Simungathe kupita kwa dotolo wamano mukamva kuwawa kwa mano kapena mavuto otafuna? Zachidziwikire, mutha kupita kwa dotolo wamankhwala pakabuka vuto (ndipo anthu ambiri amatero), koma mayeso amano nthawi zonse amakhala abwino kuposa kungopeza mano osalala, opukutidwa.
Kuyezetsa mano kwapachaka kapena kawiri kawiri kumatha kuthandiza kuzindikira ndi kuchiza msanga ndi matenda a chingamu msanga, kuwalepheretsa kudzakhala mavuto ena pambuyo pake ndikufunika mankhwala owopsa komanso odula, monga mizu ya mizu.
Kuphatikiza apo, madokotala a mano nthawi zambiri samangoyang'ana m'kamwa ndi mano, komanso minofu ya mutu ndi khosi, nsagwada, lilime, ndi malovu. Amayang'ana zotupa, zotupa, zotuluka m'mimba, ndi zina zilizonse zomwe zingawonetse matenda oopsa monga khansa yapakamwa.
Kuyesedwa kwanu pachaka kumathandizanso kuzindikira za matenda omwe ali ndi matenda omwe zizindikiro zawo zoyambirira zimawonekera pakamwa, monga nyamakazi, lupus, ndi matenda ashuga.
Mwinamwake pakadali pano mwatsimikiza kuti kusamalira mano ndikuwatsuka ndi lingaliro labwino, komabe simukufuna kupita. Ofesi ya mano amatha kukhala chokumana nacho chowopsa. M'malo mwake, pakati pa 9% ndi 20% aku America amapewa kupita kwa dokotala wamazinyo chifukwa chodandaula kapena mantha.
Anthu ena amakumananso ndi vuto la mano, vuto lomwe limafunikira chithandizo chamaganizidwe amankhwala.
Kulimbana ndi nkhawa kuofesi ya mano
Madokotala a mano nthawi zambiri amakhala ochezeka komanso okoma mtima kwambiri (ngakhale owopsa) omwe amakupatsani chithandizo kunja uko. Chifukwa chake anthu ambiri samawopa dotolo wawo wamankhwala pawokha (ngakhale atatero, ayenera kusintha omwe amapereka nthawi yomweyo ndikupeza munthu yemwe akumasuka naye).
Zomwe anthu amawopa kwenikweni ndizo zokumana nazo ndi zotengeka zomwe zimakhudzana ndi ofesi ya dokotala wa mano:
- Ululu
- Kubayidwa ndi singano (makamaka mkamwa)
- Zotsatira zoyipa za anesthesia
- Kukhala wopanda chochita ndi kusatetezeka
- Malo anga
Kulankhula ndi dokotala wa mano za mantha aliwonse omwe mukukumana nawo, ndikuwonetsetsa kuti mukugwira ntchito ndi omwe amakupatsani nkhawa zomwe ndi nkhawa, ndi njira imodzi yothanirana ndi vutoli. Dokotala wanu wamano amatha kusintha zina ndi zina zomwe zingakuthandizeni kuti mukhale ndi nkhawa komanso kuti muchepetse nkhawa. [24]
Muthanso kugwiritsa ntchito njira zothanirana ndi nkhawa musanafike kapena panthawi yomwe mwasankhidwa, monga kusinkhasinkha, kuchita masewera olimbitsa thupi, kuyesa thupi, komanso kupumula kwa minofu, kapena zithunzi zowongoleredwa.
Nthawi zina kudziwa zomwe mungayembekezere mukamacheza kungathandize kuchepetsa nkhawa ...
Momwe Mungakonzekerere Mayeso Okhazikika Amano
Musanakonzekere mayeso anu, zitsimikizirani ndi omwe amakupatsani mano kuti avomereze inshuwaransi yamano kapena mapulani. Ngati muli ndi inshuwaransi, mwina mudzangoyang'anira ndalama zoyendetsera ofesi imodzi panthawi yomwe mwasankhidwa, koma ngati muli ndi mafunso kapena nkhawa zakulipira, chonde onani zomwe mwachita kapena kuyimbira kampani yanu ya inshuwaransi.
Ngati mulibe inshuwaransi, funsani kuchuluka kwa mayeso komanso ngati pali ndalama zina zowonjezera, misonkho, kapena ndalama zofunika kuziganizira. (Ngakhale ndi ziwerengero zomwe zaperekedwa pamwambapa, mudzafunabe kuti mudziwe kuchokera kwa omwe amakuchezerani.)
Tsiku lakuika kwanu likadzafika, onetsetsani kuti muli ndi chiphaso chanu ngati muli ndi inshuwaransi ya mano, njira yolipirira gawo lanu la zomwe zidzawonongeke tsikulo, ndi zolemba zina zilizonse zomwe ofesi ya mano angafune.
Onetsetsani kuti mukudziwa momwe mungapitire ku ofesi yanu ya mano, momwe malo oimikirako magalimoto adzafika mukafika, ndikupatseni nthawi yokwanira. Kuchedwa ndi kuda nkhawa za malo oti muyimike ndi zovuta zomwe zingapewe.
Izi ndi zomwe muyenera kuyembekezera mukamayesa mano. Dokotala wamano kapena waukhondo:
Akufunsani za zovuta zilizonse zam'kamwa zomwe muli nazo , sinthani zolemba zanu pazikhalidwe zilizonse zathanzi kapena mankhwala omwe mukumwa (monga ena angakhudzire thanzi lanu pakamwa), ndikufunsani za kutsuka koyenera, kuwotcha, ndi ukhondo wabwino pakamwa.
Unikani pakamwa panu ndi m'kamwa kuti muwone thanzi lanu lonse , kuphatikizapo kuyezetsa khansa yapakamwa. Izi nthawi zambiri zimaphatikizapo kumenyedwa pang'ono pakamwa, mozungulira lilime, komanso mozungulira khosi ndi nsagwada.
Unikani pachiwopsezo cha kuwola kwa mano ndi chingamu kapena matenda am'mafupa , atha kupeza matenda ena monga kulumidwa kapena kuwonekera mano, ndikuwona kuti ndi ntchito zina ziti zomwe zingafunike (monga kudzaza, mizu ya mizu, orthodontics, ndi zina).
Sambani , kupukuta ndi kupukutira kuchotsera mano ndi madipoziti, ndikuwunika kufunikira kwa mankhwala a fluoride.
Khalani oleza mtima odzipereka
Ngati dotolo wamankhwala akulimbikitsani kuti muchite zina zowonjezera pakuwunika kwanu komwe sikunakambidwepo kale (mwachitsanzo, ma X-ray kapena mankhwala a fluoride), muyenera kuyankhula, chifukwa mwina pangakhale ndalama zowonjezera.
Funsani mafunso kuti mumvetsetse chifukwa chake ntchitozo zimalimbikitsidwa, kutsimikizira mtengo wake, ndikudziwa kuti mutha kukana thandizo lina lililonse ngati mungafune pazifukwa zilizonse.
Izi zikunenedwa, zitha kukhala zomveka ndalama kuti mugwire ntchito zina mukakhala komweko. Ngati mungasankhe kukhala nawo pamsonkhano wotsatira, mudzalipira ndalama zowonjezera zowerengera komanso zolipiritsa (ngati muli ndi inshuwaransi), kuwonjezera pakupatula nthawi tsiku lanu kuti mukayendere dokotala wa mano.
Kodi inshuwaransi ya mano ingathandize bwanji?
Zolinga zamano zimapangidwa kuti zitsimikizire chisamaliro chodzitetezera (monga kuyeretsa mano), zomwe zimakhudza 100% yamitengo yazithandizo zina zodzitetezera (maulendo oyendera maofesi nthawi zambiri amagwirabe ntchito).
Kuphatikiza pa mayeso amano apachaka, kuyeretsa mano ndi kuluma ma X-ray, njira zina zodzitetezera monga fluoride treatment [27] ndi sealant yamano azaka zina atha kukhala 100% yolembedwa ndi mfundo zamano.
Kodi izi zimapangitsa inshuwaransi yamano kukhala bizinesi yabwino? Zimatengera.
Monga tafotokozera pamwambapa, ntchito zambiri zodzitetezera mano ndizotsika mtengo, makamaka ngati nkhama zanu ndi mano anu zili bwino ndipo simukusowa zina zowunikira kapena ntchito zotsatila.
Ngati zikuwoneka kuti mukusowa chithandizo kuti muthane ndi zovuta zomwe zimapezeka pakuyezetsa kwanu kwamano, ndipamene ndalama zimatha kuyambiranso ndipo inshuwaransi ya mano ingathandize.
Mwachitsanzo, kudzaza kwazitsulo kumodzi kumatha kutenga $ 92 mpaka $ 242 kapena kuposa; ndi kuchotsera dzino kokhazikika kuyambira $ 112 mpaka $ 294 kapena kupitilira apo. Dziwani zambiri zamankhwala omwe amawononga ndalama zambiri.
Ndondomeko za inshuwaransi ya mano nthawi zambiri zimakhudza mitundu iyi yazithandizo zoyambira 70-80%, zomwe zikutanthauza kuti mumalipira pakati pa 30 ndi 40% ya mtengo mukalipira ndalama zomwe mudachotsazo.
Chifukwa ndalama za aliyense ndi thanzi m'kamwa ndizosiyana, ndi inu nokha amene mukudziwa ngati inshuwaransi ya mano ndi njira yabwino kwa inu kapena banja lanu.
Zitha kukhala zofunikira makamaka kwa okalamba kukhala ndi inshuwaransi ya mano chifukwa amakhala ndi mavuto ambiri ndi mano komanso nkhama, komanso kuti ana ayambe ndi zizolowezi zabwino zamkamwa ndikumverera bwino kuofesi ya mano.
Phunzirani zambiri za momwe inshuwaransi ya mano imagwirira ntchito ndikuwona ngati kuli koyenera kwa inu.
Kodi mungapeze kuti inshuwaransi yamano?
Nthawi zambiri, anthu omwe ali ndi inshuwaransi ya mano amalandira chithandizo kudzera kwa owalemba ntchito. Ngati maubwino a mano mulibe chifukwa cha ntchito yanu, mutha kugula mfundo zaumwini (ofunsira ambiri atha kukhala oyenerera inshuwaransi yamano).
Ndondomeko zaumwini (za inu nokha kapena za banja lanu) zitha kugulidwa mwachindunji kuchokera ku kampani ya inshuwaransi chaka chonse, kapena kudzera mu Affordable Care Act (ACA) Kusinthana munthawi yolembetsa pachaka yotseguka mukamalembetsa dongosolo laumoyo la ACA. Kumbukirani, ACA imafuna mapulani azachipatala kuti apereke mwayi kwa ana osakwana zaka 18, komabe palibe chofunikira kwa akulu.
Medicare sikuphimba mano
Ngati ndinu wamkulu pakusintha kuchokera pantchito yopita ku Medicare, mungafunikire kulembetsa nawo mfundo zoyeserera zamano kuti muthandizire kuyeretsa mano komanso kuyezetsa chaka chilichonse, popeza Medicare sikhala ndi chisamaliro chamano chamano [33].
Njira zina zolipirira kutsuka mano popanda inshuwaransi
Inshuwaransi ya mano si njira yokhayo yopezera ndalama kapena ndalama zochepetsera ntchito zothandizira. Muthanso kuwona zosankha zopanda inshuwaransi kuti zithandizire kulipirira chisamaliro cha mano, monga kuyeretsa mano.
HSA: Ngati muli ndi Account Savings Account (HSA), mutha kugwiritsa ntchito ndalamazo pantchito zamano, koma onani ndi IRS kuti muwonetsetse kuti mukugwiritsa ntchito ndalamazo molondola.
Sukulu zamano kapena zipatala: Zochitika izi nthawi zambiri zimakhala mtengo pamtengo wotsika. Pankhani ya sukulu yamano, njirayi imachitika ndi wophunzira wamano yemwe amayang'aniridwa ndi dokotala wodziwa bwino mano yemwe ali ndi zilolezo.
Dongosolo Lotsitsira Mano: Izi si mapulani a inshuwaransi. Ndi dongosolo lochotsera, mukalandira ntchito zamano, mumalipira ndalama zochotsera ntchitoyo mwachindunji kwa omwe amakupatsani, m'malo mongopereka zomwe akufuna kukampani ya inshuwaransi ndikubwezeredwa.
Kiredi: Mutha kugwiritsa ntchito kirediti kadi kuofesi ya mano. Ndipo ngati ndi khadi yotsika kapena yopanda phindu, kungakhale kwanzeru kuti mudzipezere ndalama zothandizira mano anu monga kuyeretsa mano pa kirediti kadi ndikulipira pakapita nthawi.
Kumbukirani, ngati mukuda nkhawa ndi zosowa zina monga kudzazidwa, ndipamene inshuwaransi ya mano ingathandizire.
Zolemba:
- Sangakwanitse dokotala wamano? Simuli nokha. (Sep. 2017). Cbsnews.com. Ikutulutsidwa 22 Januware 2020, kuchokera https://www.cbsnews.com/news/cant-afford-the-dentist-youre-not-alone/
- Kuchepetsa Kuopa Mano Mwa Akuluakulu. WebMD. Inabwezeretsanso 23 Januware 2020, kuchokera https://www.webmd.com/oral-health/easing-dental-fear-adults#1
- Sangakwanitse dokotala wamano? Simuli nokha. (Sep. 2017). Cbsnews.com. Ikutulutsidwa 22 Januware 2020, kuchokera https://www.cbsnews.com/news/cant-afford-the-dentist-youre-not-alone/
- Kuyezetsa mano. (Epulo 2019). Mayoclinic.org. Ikutulutsidwa 22 Januware 2020, kuchokera https://www.mayoclinic.org/tests-procedures/dental-exam-for-children/about/pac-20393728
- Kusankhidwa Koyamba kwa Mano kwa munthu wamkulu mu Zip Code 81230). Zaumoyo Bluebook. Ikutulutsidwa 22 Januware 2020,
Zamkatimu
- Kuwunikanso pachaka kapena kawiri
- Kuyeretsa mano ndi kupewa
- Njira zodziwira bwinobwino
- Mayeso Okhazikika Mano Ndi Ofunika?
- Kulimbana ndi nkhawa kuofesi ya mano
- Momwe Mungakonzekerere Mayeso Okhazikika Amano
- Khalani oleza mtima odzipereka
- Kodi inshuwaransi ya mano ingathandize bwanji?
- Kodi mungapeze kuti inshuwaransi yamano?
- Medicare sikuphimba mano
- Njira zina zolipirira kutsuka mano popanda inshuwaransi