Maitiro Ekuwana Akachipa Mahara Vanachiremba Vanachiremba: Vanhu vasina Uninsured

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Edza Chishandiso Chedu Kubvisa Matambudziko

Vanachiremba vemazino vasingadhuri Mahara

Maitiro ekuwana anodhura kana emahara vanachiremba vemazino. Nyika dzese dzinopa zvirinani zvakaderera-kudhura kana zvisina-mutengo makiriniki emazino. Kana iwe uchigara kunharaunda yekumaruwa, ungatofanira kufamba kuti uwane imwe, mazhinji emakiriniki ari mumaguta, kunyanya maguta ane zvikoro zvemazino. Vamwe vanachiremba vemazino vanopawo marapirwo akatemerwa pasikelo inotsvedza, zvinoreva kuti vanozochinja yavo fizi kune yako mari.

Tarisa nechipatara chako cheveruzhinji, zvipatara zvikuru zvingave ne munharaunda mazino kiriniki kana vanogona kukuendesa kune imwe. Iwe unogona zvakare kutarisa nesangano rako remazino sangano, iro rinogona kuwanikwa pawebhusaiti yeiyo American Dental Association (PANE). Iyo ADA inopawo iyo ( Mepu ) inobatsira zvinyorwa zvese zvemahara uye zvakachipa-zvinodhura zvirongwa zvekurapa mazino mukati medunhu rega.

Mepu inosanganisira makiriniki echikoro chemazino, zvirongwa zvekuwana mazino, makiriniki emazino, nemasangano akazvipira kubatsira vanhu kuwana rubatsiro rwemazino rwakachipa.

Mazino eChikoro Chemazino

Makiriniki echikoro chemazino anogona kuve akasarudzika sarudzo yekurapa matambudziko akawandisa ehutano hwemazino. Vadzidzi vemazino vanofanirwa kuwana pane-iyo-basa-kudzidziswa uye ruzivo vasati vapihwa marezenisi. Kuchengetwa kwacho kunogona kunge kusingabhadharwe, zvikoro zvizhinji zvinoshanda pachikero, asi zvinogara zvichikwanisika.

Iko kushambadzira ndekwekuti iwe ungangopedza nguva yakawanda muchigaro chezvechiremba wemazino, sevadzidzi vanoshanda vachitarisirwa nachiremba wemazino ane rezinesi uyo anoda kuongorora basa ravo nokungwarira uye kushandisa nguva yakawanda vari voga nemudzidzi uye murwere. uye ungangoda kushanyira kiriniki kanoverengeka kuti upedze chirongwa chako chekurapwa. Unogona kuwana runyorwa rwezvikoro zvemazino pano .

Kutarisira mazino masangano anowanikwa

Mamwe masangano anogona kukubatsira iwe kuwana kiriniki yemazino inodhura kana kutarisirwa zvinosanganisira United Way , mubatanidzwa wemunharaunda wemasangano anobatsira.

Iwe unogona zvakare kutarisa iyo Kutungamira kweZvinowanikwa neMasevhisi Hutano (HRSA), sosi yekutanga yenyika yevagari vasina unishuwarenzi kana avo vari panjodzi huru yekuvandudza matambudziko ehutano kana vakasagamuchira kurapwa / mazino nekukurumidza sezvazvinogona.

Mazino Kubva Pamwoyo inobata zviitiko zvemahara zvekuchengetedza mazino, panguva iyo vanachiremba vemazino vanopa nguva yavo kupa kurapwa kwemazino kune avo vasingakwanise kuzvipa neimwe nzira.

Basa reMercy inopa mahara kurapwa kwemazino kune avo vasina kukwana kwemazino inishuwarenzi kufukidza kana vasina mazino inishuwarenzi muArizona, Maryland, Pennsylvania neTexas.

Zvidzidzo zvekurapa

Sangano reNational Institute of Dental uye Craniofacial Research (NIDCR), imwe yeiyo National Institutes of Utano Hurumende yemubatanidzwa dzimwe nguva inotsvaga vanozvipira vane chaiyo yemazino, yemuromo, uye craniofacial mamiriro kuti vatore chikamu mune zvekutsvagisa zvidzidzo, inozivikanwawo semakiriniki ekuedzwa.

Vanotsvagurudza vanogona kupa vatori vechikamu kudzidza kushoma kana kwemutengo unodhura wemazino kune chaiwo mamiriro avari kudzidza. Kuti uone kana paine NIDCR kiriniki miedzo inogona kuzadzikisa zvaunoda, shanyira iyo NIDCR webhusaiti. NIDCR uye tinya Clinical Miedzo. Kune runyorwa rwakakwana rweyese federally yakabhadharwa kiriniki miedzo, shanya saiti ino .

Chenjera nemawebhusaiti akaipa

Ive nekuchengetera mawebhusaiti anovimbisa kukupa iwe rondedzero yemahara kana yakaderera-mutengo vanopa vanochengeta mazino munharaunda yako. Ive nekuchenjerera kana ivo vachikumbira ruzivo rwako rwekuonana kana vachida kuti iwe ugadzire account (ine email nepassword) usati wawana yavo dhatabhesi. Mune zvimwe zviitiko, aya mawebhusaiti anongotora data ravanogona kushandisa (kana kutengesa) kumakambani ekutengesa.

Mune vamwe, vanogona kunge vachitsvaga ruzivo rwavanogona kushandisa kuti vabe chitupa chako, sevanhu vazhinji vanoshandisa iyo imwechete email uye password kuti vapinde mumawebhusaiti mazhinji kana masevhisi eInternet ane ruzivo rwemari. Hazviwanzo kukosha kuisa zvinopfuura zip code ku tsvaga chiremba wemazino kana kiriniki yemazino padhuze newe.

Matipi ekuchengetedza mari pamazino

Iwe haufanire kuora moyo kana iwe usina mukana weinishuwarenzi yemeno uye iwe usina mari yekubhadhara muhomwe. Kune nzira dzakawanda dzekuchengetedza mari mukutarisira mazino, kusanganisira nzira dzinotevera:

1. Tora chikamu muzvidzidzo zvekurapa
Mayunivhesiti mazhinji nemasangano anoongorora mamiriro emazino uye nzira dzekurapa. Semuenzaniso, zvekuedzwa zvemakiriniki zvinowanzo gadzirirwa kuyedza mhando yemishonga mitsva yekurapa, uye kuongorora madhiragi, vaongorori vanoda vanozvipira. Naizvozvo, iwe unogona kufunga kutora chikamu muchidzidzo chekurapa mukutsinhana kurapwa kwemazino kwemahara, senge kuchenjera kuchenesa meno kana kubvisa.

Nekudaro, iwe unofanirwa kugara uchiziva kuti hunhu hwechengetedzo iwe yaunogashira zvinowanzoenderana nemunda wauri kudzidza, saka ive shuwa yekuwana kiriniki kuyedzwa iyo iri kuda kupa mhando yebasa raunoda. Iwe unogona kuwana rondedzero yemakiriniki ekuedzwa munzvimbo yako kuburikidza kubva kuNational Institute of Dental and Craniofacial Research .

2. Shandisa mahara kana emutengo unodhura vanopa mazino
Vanachiremba vazhinji vemazino vanoshandira varwere vasina uninsured uye vanoshanda pane inoyerera chiyero, zvinoreva kuti vanozoisa mari yavo zvichibva pamari yaunowana.

Kune nzira dzinoverengeka dzekuwana vanachiremba vemazino vanoshanda paspidhi inotsvedza. Bata rako remuno bazi re United Way , mubatanidzwa wemasangano anopa rubatsiro unobatsira kugadzirisa nharaunda. Imwe sarudzo ndeyekutaurirana nesangano rako remazino; Ruzivo rwavo rwekutaurirana runogona kuwanikwa pawebhusaiti yeiyo American Dental Association (PANE).

Kana iwe usingakwanise kuwana kana kubhadhara kuna chiremba wemazino uyo anoshanda pane inoyerera chiyero, iwe unogona kuve unokodzera kupihwa rubatsiro rwemahara kiriniki yekurapa. Mvumo inowanzo ganhurirwa kune varwere vane mari shoma.

3. Tarisa makuponi uye kuchengetedza online
Kana iwe uri kuyedza kuchengetedza mari pane ekuchengeta mazino, ita shuwa yekutarisa ezuva nezuva madhiri mawebhusaiti. Aya masayiti dzimwe nguva anopa coupon uye anobata pamazino ekuchengetedza masevhisi, senge kuchenesa kana kuzadza. Kushanyira nzvimbo idzi kunogona kuponesa hupenyu hwako kana usina unishuwarenzi, uchifunga kuti mari yemazino inogona kuwedzera kusvika kumazana kana zviuru zvemadhora.

4. Nyoresa muchirongwa chemazino chemutengo wakaderera
Pamubhadharo wegore negore wehunhengo, unogona kujoina chirongwa chekubvisa mazino, chinokutendera kuti uwane madhora (pakati pe15% ne60%) pamitengo yemazino, sekureba sekushandisa kwaunoita vanachiremba vemazino vanobvuma zvirongwa izvi. Tarisa zvirongwa munzvimbo yako paDentalPlans.com kuti uone kana zvakakunakira iwe.

5. Shandisa masevhisi evadzidzi vemazino.
Vadzidzi vemazino vanofanirwa kuwana ruzivo vasati vapedza kudzidza uye kupihwa marezinesi. Inogona kuvabatsira kuti vawane ruzivo panguva imwe chete vachiwana kurapwa kwemazino pamutengo wakadzikira, uye vadzidzi vanoshanda vachitarisirwa nachiremba ane chiremba kana chiremba wemazino. Shanyira iyo ADA pamhepo kuti uwane zvikoro zvemazino munzvimbo yako.

6. Ona kana dhisikaundi iripo
Vanachiremba vazhinji vemazino vanonzwisisa kuti vamwe varwere havana inishuwarenzi. Kuti varege kudzosera vanobhadhara vatengi, vanogona kunge vachida kukubatsira, kunyanya kana vachinzwira tsitsi chinzvimbo chako. Naizvozvo, zivisa chiremba wemazino weinishuwarenzi kana mamiriro emari uye edza kutaurirana bhiri rako pamberi. Uchishandisa nzira dzakanaka dzekutaurirana uye, kana zvichibvira, kubheja musangano panguva inononoka yebhizinesi kunogona kuwedzera mikana yako yekugamuchira mutengo.

7. Iva wakagadzirira kubhadhara pamberi
Ichi chidiki chidiki chinogona kukuwanira iwe kugara uchideredzwa. Zvinoenderana neongororo yakaitwa muCalifornia, vanachiremba vazhinji vemazino vari kuda kucheka mutengo ne5% kana varwere vachida kubhadhara pamberi.

8. Tora mazino kushanya
Kufamba kune dzimwe nyika kunogona kudhura kwazvo, asi kunogona kuve kwakakosha kana iwe uchida basa rinodhura kwazvo. Nekudaro, kugamuchira kurapwa kwemazino kunze kwenyika kunogona kuve kwakaoma; Pamusoro pegadziriro dzekufamba dzauchazofanira kuita, iwe unofanirwa zvakare kutarisa mirau uye zviyero zvekutarisirwa zvinopihwa kunze kwenyika. Kana zvichikwanisika, bvunza chiremba wemazino muUnited States kuti uone kana kuenda kune imwe nyika kunoshandira mazino ndicho chisarudzo chakakodzera pane zvaunoda.

9. Kupa mabasa ekuchinjana
Kana iwe uine yakasarudzika hunyanzvi seti, kuchinjanisa kunogona kuve sarudzo. Kana chiremba wemazino aine rake tsika, vangangoda mumwe munhu anogona kubatsira bhizinesi kuti riwonekwe kana kumhanya zvakanyanya. Semuenzaniso, kana iwe uri anokwanisa accountant, wewebhu mugadziri, graphic dhizaini, kana wekushambadzira chipangamazano, iwe unogona kukwanisa kuchinjisa masevhisi ako ekuchengeta mazino. Tsvaga kuchinjanisa mawebhusaiti kuti uwane mikana ingangoita.

10. Tsvaga chikamu chenguva-basa riine mabhenefiti emazino
Kunyangwe mabasa mazhinji achida kuti iwe uve mushandi wenguva yakazara kuti ugamuchire inishuwarenzi, vamwe vanochinja-chinja. Iwe ungangoda kutsvaga chikamu-chenguva basa nehutano inishuwarenzi mabhenefiti. Chero bedzi iwe uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchidikanwa huwandu hwemaawa anoshanda mwedzi wega, iwe unogona kukodzera hutano uye mazino inishuwarenzi.

11. Shandisa zviwanikwa zve
hurumende Masangano mazhinji ehurumende akaumbwa kubatsira vanhu vanotambira mari shoma uye vasina unishuwarenzi kuwana rubatsiro rwehutano rwavanoda. Aya masangano anosanganisira iyo Kutungamira kweZvinowanikwa neMasevhisi Hutano (HRSA), inova ndiyo sosi yekutanga yevagari vasina unishuwarenzi kana avo vari panjodzi huru yekuvandudza matambudziko ehutano kuti vawane rubatsiro. HRSA inopa rondedzero yevakaderera-mutengo vanopa mazino munzvimbo yako iwe yaunogona kuve unokodzera.

Kana iwe uri mubereki, iwe unogona kukwanisa kutora mukana we Inishuwarenzi chirongwa Chiremba wevana (CHIP Medicaid), uyo anobatsira kubhadhara kurapwa kwevana vako uye mazino.

12. Tora pfungwa yechipiri
Iwe haungakwanise kugara uchikwanisa kusevha mari pane ako mazino mabhiri. Naizvozvo, iwe unofanirwa kutsvaga rwechipiri pfungwa kana chiremba wemazino akurudzira basa rakakosha kana rinodhura. Iwe unogona kuchengetedza yakawanda mari nekungobhadhara kwete kune chimwe chinhu chisina kukosha.

13. Shanyira sangano risingabatsiri
Kune akati wandei akanyoreswa asiri-purofiti masangano anopa emahara mazino kurapwa. Semuyenzaniso, Mazino Kubva Pamwoyo inochengeta zviitiko apo vanachiremba vemazino vanopa nguva yavo nemidziyo kupa kurapwa kwemazino kune avo vasingakwanise kuzvipa neimwe nzira.

Basa reMercy nderimwe sangano risingabatsiri iro rinopa mahara kurapwa mazino (pamwe nerubatsiro rwemahara uye mishonga yemahara) kune avo vasina inishuwarenzi yakakwana yemeno kana vasina inishuwarenzi yemeno. Zvisinei, Mission of Mercy services inogumira kune varwere muArizona, Maryland, Pennsylvania, uye Texas.

Izwi rekupedzisira

Nepo kuchengetedza mari pakuchengeta mazino kuri kukuru, chako chekutanga chinofanirwa kuve chekutarisira mazino ako zuva nezuva. Kunyangwe matambudziko mazhinji emazino, senge akakanganiswa mazino ehungwaru uye dzimwe nguva maburi, anogona kunge asingadzivirirwe, iwe unogona kudzikisira mukana uye mutengo wezvinetso zvakawanda uchishandisa nzira dzekudzivirira.

Nekudaro, zvakakosha kuti urangarire kutarisira matambudziko emazino pese pazvinenge zvichidiwa nenguva. Chinhu chekupedzisira chaunoda kuita kurega matambudziko ako awedzere nekusava nehanya nawo; Izvi zvinogona kukonzera kutambura kwenguva refu uye mamwe matambudziko ehutano, uye zvinogona kukubhadharira zvakawanda munguva refu.

Zviri Mukati