Is Dental Insurance Worth The Expense?

Kodi inshuwaransi ya mano ndiyofunika mtengo wake? Mlangizi wa Forbes

Zolemba mkonzi: Timalandira ndalama kuchokera ku maulalo a anzathu pa Forbes Advisor. Magulu sasintha malingaliro a akonzi kapena mavoti.

Inshuwaransi ya mano imakhala yothandiza mukafuna chithandizo chamankhwala, chomwe chingakhale chokwera mtengo kuti mulipirire nokha.

Koma ngati inshuwaransi ya mano ndiyofunika zimatengera ndalama zomwe mumapeza komanso zomwe mumapeza. Muyeneranso kuganizira chifukwa chake mukufuna chithandizo cha mano. Kodi mukufuna china chake chomwe chimangolipira njira zopewera kapena mungakonde kufalitsa zambiri?

Kodi mumalipira ndalama zotani za inshuwaransi ya mano?

Inshuwaransi ya mano imatenga tabu pazantchito zambiri ndi chithandizo chomwe chaphimbidwa, mpaka peresenti inayake, kutengera dongosolo lanu. Koma musalakwitse: Mudzakhala ndi udindo wolipira zina kapena ndalama zambiri pakusamalira mano ambiri.

Nayi mitundu yamitengo yokhala ndi mapulani a inshuwaransi ya mano:

  • magawoMalipiro ndi zomwe mumalipira pazothandizira mano.
  • CopaysCo-payments: Dola yokhazikika yomwe mumalipira pa ntchito yophimba pansi pa dongosolo lanu la mano, monga kupita kwa dokotala wamano.
  • kuchotsera (kuchotseraDeductible ndi ndalama za dollar zomwe mumalipira pa ntchito zoperekedwa kwa chaka chisanafike phindu lanu la inshuwaransi. Mapulani ambiri a mano amaphimba njira zodzitetezera popanda kufunikira kwa deductible.
  • inshuwaransi ya ndalamaCo-inshuwaransi: Gawo la ndalama zomwe mumalipira pazithandizo zamano pambuyo poti inshuwaransi yanu yalipira gawo lake ndipo mwakumana ndi deductible yanu.
  • Pachaka pazipitaKuchuluka kwapachaka: Ndalama zomwe kampani ya inshuwaransi ya mano idzalipire pa mtengo wa chisamaliro cha mano chomwe chaperekedwa m’chaka cha mapindu. Nthawi iliyonse pamene chiwongola dzanja cha mano chikaperekedwa, kampani yanu ya inshuwaransi imachotsa ndalama zomwe mumalipira pa chithandizocho kuchokera pazomwe mumapeza pachaka. Izi zikatha, muli ndi udindo wolipira 100% ya ndalama zowonjezerera chithandizo chamankhwala cha mano chaka chimenecho. Mukangoyamba chaka chamawa, kuchuluka kwanu kwapachaka kumakonzedwanso.

Zolinga zina zimawonjezera gawo la phindu lililonse lomwe silinagwiritsidwe ntchito kuyambira chaka cham’mbuyo mpaka chaka chamawa, zomwe zimathandiza kumanga khushoni pazochitika zosayembekezereka monga korona, ngalande, ndi maopaleshoni.

Kodi inshuwaransi ya mano imawononga ndalama zingati?

Mtengo wapakati wa inshuwaransi ya mano ndi $47 pamwezi Kwa dongosolo la mano loyima lokha. mtengo wapakati wa a Dongosolo la mano la chisamaliro chodzitetezera ndi $26 pamweziKomabe, mapulaniwa sangakhudze zodzaza, zochotsa kapena ntchito zazikulu monga ngalande za mizu.

Malipiro ndi gawo chabe la mtengo wa equation. Kutengera ndi dongosolo lanu, mutha kukhalanso ndi mlandu wolembetsa, coinsurance, deductibles, ndi transaction kupitilira zomwe mumapeza pachaka. Ndondomeko ya inshuwaransi ya mano yotsika mtengo ingakupangitseni kulipira zambiri kuchokera m’thumba mwanu mukapita kwa dokotala wamano.

Kodi inshuwaransi ya mano nthawi zambiri imakhala yotani?

Mapulani ambiri a inshuwaransi ya mano nthawi zambiri amakhala ndi magawo atatu a chisamaliro: zopewera, zoyambira, ndi zoyambirira. Michael Bass, mlangizi wamakasitomala ku World Insurance Associates, akuti inshuwaransi zambiri zamano nthawi zambiri zimapereka:

  • Ntchito Zoteteza (monga cheke, kuyeretsa, ma x-ray, chithandizo cha fluoride kwa odwala achichepere) ndi 100% kuphimba
  • Basic Services Ndi 80% mpaka 100% yophimba (monga kudzazidwa, kuchotsa osapanga opaleshoni, ngalande za mizu)
  • Ntchito Zazikulu Zobwezeretsa Pa 50% mpaka 80% kuphimba (monga akorona, milatho, inlays / zodzaza, mano mano)

Ndi chiyani chomwe sichikhala ndi inshuwaransi ya mano?

Mapulani ambiri a mano amakana kulandira chithandizo china, kuphatikiza:

  • Mano oyera
  • zodzikongoletsera mano
  • Orthodontics (braces), yomwe imatha kuphimbidwa koma nthawi zambiri imakhala ndi phindu lalikulu kwa moyo wonse

Ngati dongosolo lanu la inshuwaransi ya mano likuphatikizanso chithandizo chimodzi kapena zingapo mwa mautumikiwa, zitha kukhala zotsika kwambiri, zomwe zikutanthauza kuti mudzawononga ndalama zambiri.

Mano inshuwalansi ubwino ndi kuipa

Inshuwaransi ya mano ikhoza kupereka zabwino zambiri, kuphatikizapo kulipira chithandizo chodzitetezera.

“Inshuwaransi nthawi zambiri imayang’anira chisamaliro chonse chodzitetezera,” akutero Albert Abena, wothandizira wamkulu wa mgwirizano wapagulu pa University of New England School of Dentistry. “Kumbukirani kuti kupeza chithandizo chodzitetezera nthawi zonse kungateteze thanzi lanu la m’kamwa ku mavuto amtsogolo ndikudziwiratu mavuto omwe dokotala wanu wa mano angawathetse m’malo mochita khama.”

Inshuwaransi ya mano imatha kutsitsa mtengo mukafuna chisamaliro, akutero Bill Green, mwini wa Green Insurance Agency ku Orange Park, Florida.

“Ngakhale mutayeretsa kawiri pachaka, muyenera kulipira,” akutero Green.

Koma ndondomeko zamano zili ndi zovuta zake, nazonso. Daniel Chu, MD, dokotala wa mano ku Portland, Oregon, akuti mapulaniwa ali ndi malamulo apadera, monga zoletsa zaka za mankhwala a fluoride kapena kusowa kwa vertebrae.

“Inshuwaransi nthawi zambiri sichiphimba ma X-ray a 3-D, mlingo wochepa kapena wozama wa anesthesia, kugona kwa mano, ndi ntchito zodzikongoletsera. Ndondomeko yanu ingangopereka gawo laling’ono la ndalama zonse za opaleshoni yapamwamba,” akutero Chu.

Nazi ubwino ndi kuipa kwa inshuwalansi ya mano:

Zabwino

  • Mapulani nthawi zambiri amakhala ndi 100% yopereka chithandizo chodzitetezera, kupereka chilimbikitso cha kuyezetsa pafupipafupi ndi kuyeretsa, komwe ndi ndalama zopititsa patsogolo thanzi la mkamwa.
  • Mutha kubweza ndalamazo ndi ndalama zosungidwa mukafuna chisamaliro cha mano, makamaka pamankhwala okwera mtengo monga kudzaza, ngalande za mizu, ndi zochotsa dzino.
  • Mudzalipira ndalama zochepa ngati abwana anu akupereka dongosolo la mano.

Zoipa

  • Mapulani amatha kukhala ndi zopatula ndi zovomerezeka zoperekedwa.
  • Ndondomeko sizingapindule ndi chithandizo china, kuphatikizapo zodzoladzola ndi ntchito za orthodontic ndipo zingapereke gawo lochepa chabe la ndalama zonse za maopaleshoni apamwamba monga implants.
  • Dongosolo lanu litha kungopereka chithandizo chamankhwala a mano a pa intaneti, ndikuchepetsa kuthekera kwanu kuwonana ndi wothandizira aliyense yemwe mukufuna.

Kodi mumasankha bwanji inshuwalansi ya mano?

Mungapindule ndi ndondomeko ya inshuwalansi ya mano ngati mumayendera dokotala nthawi zonse ndipo mukhoza kupeza ndondomeko yotsika mtengo kapena ngati mukufunikira kupita kwa dokotala wa mano ndikupeza ndondomeko yopanda nthawi yodikira komanso phindu lalikulu la pachaka.

Onetsetsani kuti muyang’anitsitsa ndondomeko ya opereka chithandizo, mitundu yosiyanasiyana ya mapulani a mano omwe alipo m’dera lanu, ndi zomwe ndondomeko iliyonse imakhudza, akulangiza Joseph Dale, mkulu wa mano ku Delta Dental Association.

Green amalimbikitsa dongosolo la mano “omwe ali ndi malire apamwamba kwambiri pachaka komanso omwe ali ndi inshuwaransi yapamwamba kwambiri pazantchito zazikulu komanso zazikulu.”

Njira zina zolipirira chisamaliro cha mano

Anthu aku America pafupifupi 76.5 miliyoni alibe inshuwaransi yamano, malinga ndi CareQuest Institute for Oral Health, yopanda phindu yomwe imalimbikitsa chisamaliro chaumoyo wamkamwa. Ngati mukufuna chisamaliro cha mano koma simukufuna dongosolo la inshuwaransi ya mano, mutha kulipira ndalama zonse zomwe mwasunga kapena kuchita izi:

  • Konzani ndondomeko yolipira ndi chipatala cha mano. Akhoza kukulolani kulipira pang’onopang’ono kapena kupereka njira zopezera ndalama zamkati kapena zakunja za ntchito zina. “Onetsetsani kuti mwawonanso zolipiritsa zonse zomwe mungalipire komanso chiwongola dzanja, chifukwa zina zitha kukhala zovutirapo,” akuwonjezera Dell.
  • Lipirani ntchito zamano ndi kirediti kadi imodzi kapena zingapoMakamaka khadi loyambira lotsika lomwe limakupatsani mwayi wobweza ndalama mwachangu ndikupewa chiwongola dzanja chambiri.
  • Kufunafuna ndalama zinakuphatikiza ngongole yaumwini, ngongole yanyumba, kapena mzere wangongole.

Kodi inshuwaransi ya mano ndiyoyenera?

Kusamalira mano kumapangitsa chisamaliro cha mano kukhala chotsika mtengo pokupulumutsirani mtengo wamankhwala a mano ndikukuthandizani kupewa zovuta zamano mtsogolo.

Dale anati: “Kutsuka ndi kutsuka tsitsi nthawi zonse kunyumba ndi njira yabwino yoyambira.

Green akuti dongosolo la mano lingakhale lothandiza ngati mutalandira chisamaliro chanthawi zonse, kuphatikiza kuyezetsa ndi kuyeretsa, koma kumbukirani ROI ya dongosolo la mano. Mwa kuyankhula kwina, onetsetsani kuti mwasunga ndalama zokwanira kuti muthe kulipira malipiro a ndondomekoyi.

Pezani makampani abwino kwambiri a inshuwaransi yazaumoyo mu 2022

Kodi inshuwaransi ya mano ndiyoyenera?

Kodi madokotala amano onse amatenga inshuwaransi ya mano?

Ambiri, koma osati onse, madokotala amano amavomereza inshuwalansi ya mano mkati mwa zoletsa zina.

Dokotala wamano Daniel Chu akuti kuvomereza dongosolo la inshuwaransi ya mano sikufanana ndi kukhala dotolo wamano pa intaneti pansi pa dongosololi. Chotsatiracho chikutanthauza kuti ofesiyo imagwira ntchito pa ndondomeko ya malipiro opangidwa ndi mgwirizano ndipo idzavomereza kulipira wodwalayo ndalama zomwe adagwirizana kale. Yoyamba imatanthauza kuti adzalipiritsa chindapusa cha inshuwaransi, koma ngati ali kunja kwa intaneti, pangakhale phindu lochepa kapena ayi.

Mwanjira ina, dokotala wanu wa mano angavomereze dongosolo lanu la inshuwaransi ya mano, koma atha kukhala opanda netiweki, ndiye kuti mutha kulipira zambiri kapena ndalama zonse kuposa mutapita kwa wothandizira pa intaneti. Kuti mupeze zotsatira zabwino, funsani dokotala wamano kapena kampani ya inshuwaransi musanalandire chithandizo kuti muwone ngati chithandizo chanu chikubwerachi chidzaperekedwa mpaka pati.

Mumadziwa bwanji ngati dotolo wanu amavomereza inshuwaransi ina ya mano?

Lumikizanani ndi kampani yanu ya inshuwaransi kuti muwone ngati wopereka wanu ali pamanetiweki kapena itanani ofesi ya mano ndikufunsa ngati ali pa intaneti ndikuvomereza dongosolo lanu. Osamangodalira tsamba la kampani ya inshuwaransi ya mano. Mabuku opereka chithandizo akhoza kukhala olakwika kapena achikale patsamba la kampani ya inshuwaransi.

Kodi mukufuna inshuwaransi ya mano kuti muwone dotolo wamano?

Dokotala wanu sangafune kuti mukhale ndi inshuwaransi ya mano. Machitidwe ena amakonda kusagwira ntchito kapena kuvomera inshuwaransi chifukwa chobweza ndalama zochepa komanso zovuta pakukonza madandaulo.

Kodi inshuwaransi ya mano ndi iti?

Nthawi yodikirira mano ndi nthawi yomwe muyenera kudikirira dongosolo la inshuwaransi ya mano lisanayambe ntchito yanu. Mwachitsanzo, iyi ikhoza kukhala miyezi isanu ndi umodzi mpaka 12 kuchokera tsiku loyamba lomwe munayambitsa dongosolo lanu.

Mapulani ambiri a inshuwaransi yamagulu a mano alibe nthawi yodikira. Zimakhala zofala kwambiri pa mapulani aumwini. Ntchito zodzitetezera nthawi zambiri sizikhala ndi nthawi yodikirira, koma ntchito zazikulu (monga korona ndi ngalande za mizu) nthawi zambiri zimakhala ndi nthawi yayitali yodikirira.


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