Kodi Ndalama Zowonongera Ndalama Zochuluka Motani Ndipo Ndingazilipire Bwanji?

Zamkati

• Mtengo wosaoneka
• Ubwino wosazindikira ndi kuipa kwake
• Njira zosungira pa Invisalign
• Maakaunti osintha mosavuta (FSA)
• Maakaunti osunga zaumoyo (HSA)
• Ndondomeko ya malipiro
• Sukulu zamano
• Khadi la ngongole lopanda phindu
• Medicaid ndi pulogalamu ya inshuwaransi ya ana (CHIP)
• Kodi Invisalign ndi chiyani?
• Njira zina zosadziwika
• Zolimba zazing'ono
• Mwetulira Direct Club
• Zomwe muyenera kufunsa musanasankhe zolimba kapena zophatikizira
• Ndalama zothandizira
• Kupindula kwambiri ndi aligners anu
• Braces ndi aligners poyerekeza tebulo

Mtengo wosaoneka

Zambiri zimathandizira kuchuluka kwa ndalama zomwe mungalipire pantchito ya orthodontic ngati Invisalign. Zinthu zake ndi monga:

• zosowa zanu pakamwa komanso kuchuluka kwa ntchito zomwe muyenera kuchita
• malo anu ndi mitengo yapakati mumzinda wanu
• nthawi ya ntchito ya mano
• kuchuluka kwa mapulani a inshuwaransi anu kukuthandizani

Tsamba la Invisalign likuti mankhwala awo amawononga ndalama kulikonse kuchokera $ 3,000- $ 7,000. Ndipo ati anthu atha kukhala oyenerera ndalama zokwana $ 3,000 zothandizira kuchokera ku kampani yawo ya inshuwaransi.

Malinga ndi Consumer Guide for Dentistry, avareji yapadziko lonse ya Invisalign ndi $ 3,000- $ 5,000.

Poyerekeza, zopangira zachitsulo zachikhalidwe nthawi zambiri zimawononga $ 2,000- $ 6,000.

Apanso, mitengo yonseyi imadalira vuto lanu. Mano opindika kwambiri kapena pakamwa ponyentchera pamafunika nthawi yochulukirapo kuti asunthire mano pamalo abwino, ngakhale mutagwiritsa ntchito ma Invisalign kapena brace achikhalidwe.

Ubwino wosazindikira ndi kuipa kwake

Njira zosungira pa Invisalign

Orthodontics imatha kuwoneka ngati mankhwala okongoletsa kumwetulira kokopa, koma sizikhala choncho nthawi zonse. Mano opindika amakhala ovuta kukhalabe oyera, zomwe zimayika pachiwopsezo chovunda komanso matenda a nthawi, ndipo zimatha kupweteketsa nsagwada. Komanso, anthu omwe sadzidalira pomwetulira kwawo atha kumva kuti akusowa mtundu wina wamakhalidwe azikhalidwe komanso akatswiri.

Pali njira ndi mapulogalamu ochepetsa mtengo wa orthodontics kapena kufalitsa pakapita nthawi. Ngati mukufuna njira zosungira pa Invisalign, ganizirani izi:

Maakaunti osintha mosavuta (FSA)

FSA imalola kuchuluka kwa ndalama za pretax kuti zichotsedwe pamalipiro anu ndikupatula pokhapokha kuti mugwiritse ntchito pazinthu zilizonse zomwe mungapeze posamalira azaumoyo. Ma FSA amapezeka pokhapokha ngati wolemba anzawo ntchito atapereka njirayo. Ambiri omwe amapindula nawo amaphatikizapo FSA. Nthawi zambiri amakhala osavuta kugwiritsa ntchito ndi kirediti kadi komwe kali muakaunti yanu. Mu 2018, ndalama zomwe munthu m'modzi akhoza kukhala nazo mu FSA ndi $ 2,650 pa olemba anzawo ntchito. Ndalama mu FSA sizingadutse, chifukwa chake mukufuna kuzigwiritsa ntchito kumapeto kwa chaka.

Maakaunti osunga zaumoyo (HSA)

HSA imakulolani kuti mutulutse madola a pretax pamalipiro anu ndikuwayika pambali kuti muzingogwiritsa ntchito ndalama zothandizira. Pali kusiyana pakati pa FSA ndi HSA yothandizidwa ndi olemba ntchito ndi awa: Ndalama mu HSA zitha kupitilira chaka chatsopano, ndipo ma HSA amafuna kuti mukhale ndi pulogalamu ya inshuwaransi yodula kwambiri. Mu 2018, ndalama zomwe mumaloledwa kuyika mu HSA ndi $ 3,450 kwa munthu aliyense komanso $ 6,850 pabanja.

Ndondomeko ya malipiro

Madokotala ambiri a mano amapereka mapulani a mwezi uliwonse kuti musamalipire ndalama zanu zonse nthawi imodzi. Mukafunsa dokotala wanu wamankhwala za ndalama zomwe amaganiza kuti ntchito ya orthodontic idzawononga, funsani za mapulani omwe angalandire kuofesi.

Sukulu zamano

Fufuzani kuti muwone ngati pali sukulu zamano mumzinda wanu zomwe zingakuthandizeni kuchotsera. Kulembetsa kuti mukalandire chithandizo kusukulu yamano kumatanthauza kuti mukuvomera kuloleza wophunzira mano pochita ntchito yanu ya mano. Sukulu yabwino yamano idzaonetsetsa kuti dokotala wamankhwala wovomerezeka akuyang'anira wophunzira yemwe akukuthandizani.

Khadi la ngongole lopanda phindu

Ikagwiritsidwa ntchito moyenera kirediti kadi ikhoza kukhala njira yothandizira ndalama zamankhwala. Mutha kukhala ndi mwayi wokhala ndi kirediti kadi yokhala ndi chiwongola dzanja cha 0% cha APR. Ngati mumalipira pafupipafupi ndikulipira ndalamazo ndalama zandalama zisanathe, mudzangopanga dongosolo lolipira popanda kulipira zochulukirapo.

Dziwani za makhadi okhala ndi chiwongola dzanja chochedwa. Mosiyana ndi makhadi omwe ali 0% APR, chiwongola dzanja chochedwetsedwa chimayamba kutolera chiwongoladzanja mukangotsala pang'ono ndikulepheretsani kuti mulipire chiwongola dzanja kwakanthawi. Ngati mumalipira ngongole yonse panthawi yotsatsira, simuyenera kulipira chiwongola dzanja chimenecho, koma ngati mungatsala ndi zotsala nthawi yotsatsa ikatha, chiwongola dzanja kuyambira nthawi imeneyo chikuwonjezeredwa ku zomwe mukuyenera.

Gwiritsani ntchito ma kirediti kadi mosamala komanso ngati chinthu chomaliza, chifukwa zitha kukhala zotsika mtengo ngati sizigwiritsidwa ntchito moyenera.

Kuti mumve zambiri za ma APR, chidwi, ndi chidwi chobwezeredwa pamakhadi angongole, werengani zambiri kuchokera ku Consumer Protection Financial Bureau.

Medicaid ndi pulogalamu ya inshuwaransi ya ana (CHIP)

Ana ndi achinyamata omwe amalandira thandizo la boma ku inshuwaransi atha kukhala oyenera kuthandizidwa kuti athe kulipira mtengo wa brace kapena Invisalign. Ngati kusowa kwa mwana wanu kwa orthodontics kumalepheretsa thanzi lawo lonse, ntchitoyi itha kubedwa. Gwirani ntchito ndi dotolo wamano ndi woimira inshuwaransi yanu kuti mupange mulandu ndikuthandizira zosowa za mwana wanu. Milandu imatha kusiyanasiyana malinga ndi mayiko.

Kodi Invisalign ndi chiyani?

Invisalign ndi mawonekedwe amtundu wa brace omwe amagwiritsa ntchito ma alayine owoneka bwino. Zimapangidwa ndi pulasitiki ya Invisalign yomwe, ndipo amapangidwa m'malo awo omwe amatengera nkhungu mkamwa mwanu. Ma alignerswo ndi pulasitiki wolimba yemwe amatha kupanikiza mano anu kuti aziwayendetsa pang'onopang'ono.

Kuti Invisalign, choyamba muyenera kukambirana ndi dokotala wanu wa mano. Adzayang'ana kumwetulira kwanu, thanzi lanu lonse lakamwa, ndikuwonani pakamwa panu. Kenako, Invisalign imapangitsa ma aligners awo kukhala apadera pakamwa panu kuti akhale oyenera. Dokotala wanu wa mano amapanga dongosolo lanu lonse lamankhwala ndipo amakhala ngati mnzanu pakupeza zotsatira zomwe mukufuna.

Invisalign imagwiritsa ntchito ma tray angapo omwe amasinthidwa sabata limodzi kapena awiri. Sitirayi iliyonse yosinthira imamveka mosiyana pang'ono, chifukwa idapangidwa kuti ipitilize kusuntha komanso kusuntha mano.

Muyenera kuvala ma trays a Invisalign masiku anu ambiri (maola 20-22 / tsiku) kuti muwone zotsatira. Komabe, amachotsedwa mosavuta pakudya, kutsuka, kumenyetsa, kapena pamwambo wapadera.

Ngakhale ndi pulasitiki wolimba, Ma Invisalign aligners ndi olimba, osasunga, chifukwa amasuntha mano anu kuti apange mkamwa ndi nsagwada. Okhazikika amangogwira mano anu m'malo.

Njira zina zosadziwika

Invisalign atha kukhala dzina lakunyumba kwa zomangira zowoneka bwino, koma pali njira zina.

Zolimba zazing'ono

Ngati mumakhudzidwa kwambiri ndi mawonekedwe, mutha kufunsa adotolo za zingwe zolankhula, zomwe zimayikidwa kumbuyo kwa mano ndipo sizimawoneka mukamamwetulira. Zolumikizira zamagetsi zimagwiritsabe ntchito mabokosi achitsulo, omveka, kapena a ceramic koma akhoza kukhala otsika mtengo kuposa Invisalign.

Ku United States, ClearCorrect ndiye mpikisano wamkulu wa Invisalign. ClearCorrect imagwiritsanso ntchito zosawoneka, zopanga pulasitiki. Zowongolera zawo zimapangidwa ku United States.

Tsamba la ClearCorrect likuti mankhwala awo amawononga $ 2,000- $ 8,000 asanafike inshuwaransi, ndipo inshuwaransi iyi imatha kulipira $ 1,000- $ 3,000 yamankhwala anu.

Buku la Consumer for Dentistry likuyerekeza kuti mtengo wapakati pa chithandizo cha ClearCorrect ndi $ 2,500– $ 5,500.

Nthawi yothandizira ingakhale yofanana ndi Invisalign, koma ClearCorrect nthawi zambiri imakhala yotsika mtengo. Zachidziwikire, mtengo wake ndi nthawi yake zimadalira momwe mlandu wanu uliri wovuta.

Pazinthu zonse ziwiri za Invisalign ndi ClearCorrect, kampani iliyonse ikupereka mtundu wawo wazogulitsa. Ngakhale Invisalign kapena ClearCorrect si madokotala enieni a mano. Lankhulani ndi dokotala wanu wamankhwala za mtundu wanji wa zida zamagetsi zomwe zili zabwino kwa inu. Dokotala wanu wa mano adzaitanitsa malonda anu ndikuwagwiritsa ntchito ngati chida pamene akugwira ntchito yopanga kumwetulira kwanu.

Mwetulira Direct Club

Palinso njira yachitatu yotchedwa Smile Direct Club. Smile Direct Club ili ndi malo ochepa, koma imatha kupitilirako maulendo amaofesi a mano popereka zida zowonetsera kunyumba. Mumapanga nkamwa pakamwa panu ndikutumiza ku Smile Direct Club. Kenako, mumalandira aligners anu mumaimelo ndikuzigwiritsa ntchito monga mwalamulo. Smile Direct Club yati mankhwala awo amawononga $ 1,850 okha. Kapena mutha kupanga dongosolo lolipira mwezi uliwonse.

Izi ndiye njira yotsika mtengo kwambiri ndipo itha kukhala yabwino kwa munthu amene amaopa maofesi a mano. Komabe, mukuphonya kukafunsira kwa akatswiri, zomwe zimakhala zofunikira kwambiri mukamayankhula zaumoyo wamkamwa ndi mano oti mukhale moyo wanu wonse. Ndili ndi Smile Direct Club, simumalumikizana mwachindunji ndi dokotala wamazinyo yemwe ali ndi zilolezo. Komanso, zomwe mumawona zimawunikiridwa ndi akatswiri a mano - osati dokotala wololeza.

Zomwe muyenera kufunsa musanasankhe zolimba kapena zophatikizira

• Kodi kampaniyo ingalipire ndalama zowonjezerapo ngati simukukhutira ndi zotsatira zanu?
• Kodi kampaniyo idzakulipirani ndalama yanu mukalandira chithandizo?
• Kodi njira imodzi ingagwire bwino kuposa inu?
• Kodi inshuwaransi yanu imakhudzanso chithandizo chimodzi kuposa china?

Ndalama zothandizira

Monga ma orthodontics aliwonse, mutha kuyembekeza kugwiritsa ntchito chosunga kuti mano anu akhale m'malo atsopano Invisalign atagwira ntchito kuti awasunthe. Zosunga zimatha kuchotsedwa kapena kulimbitsa mano anu. Amawononga $ 100- $ 500 pa chosunga chilichonse. Nthawi zambiri mumayenera kuvala chosungira tsiku lililonse kwakanthawi komanso musanaloleze kuvala usiku.

Akuluakulu omwe amapeza zibangili ndi kuvala zotetezera moyenera sayenera kubwereza zolumikizanso. Pakamwa panu mwamaliza kukula ndipo thupi lanu silidzasintha monga thupi la mwana kapena wachinyamata.

Kupindula kwambiri ndi aligners anu

Pindulani kwambiri ndi ndalama zanu povala ma aligners anu kwa nthawi yoyenera. Pitirizani kukhala ndi thanzi labwino pakamwa ndi kusamalira mano anu pochiza. Valani chosungira chanu monga mwalangizidwa kuti muthandize mano anu kukhalabe m'malo awo atsopano.

Braces ndi aligners poyerekeza tebulo