Momwe Mano Anga Oongoka Anakhalira Chizindikiro Chuma

Zamkati

• Mukakhala osauka, zinthu zambiri zimabwera paziwonetsero zaumphawi
• Patatha milungu ingapo, tinalandira nkhani zongonena kuti inshuwaransi yanga sichilipira zolimba
• Komabe ndinali ndi mwayi m'njira zambiri
• Ndine wokwiya kuti mano abwino ndi chisamaliro cha mano si mwayi womwe aliyense ali nawo

Momwe timawonera mapangidwe adziko lapansi omwe timasankha kukhala - ndikugawana zokumana nazo zokakamiza kumatha kupanga momwe timachitirana wina ndi mnzake, kukhala abwinoko. Uku ndikuwona kwamphamvu.

Usiku womwe dotolo wanga wamankhwala adandilangiza kuti ndipange ma brace, ndidapita ozizira ndikukagona ndi chala changa chakumanja pakamwa. Ndinali ndi zaka 14. Chizolowezi chausiku chinali chobisira kuyambira ndili mwana chomwe chimachokera kumbali ya amayi anga. Msuweni wanga wazaka 33 amachita izi, ndipo amayi anga adazichita nthawi yayitali kuposa ana ambiri.

Chizolowezicho ndichonso chomwe chimayambitsa kupweteketsa kwanga kuposa momwe ma genetiki okha akadakhalira. Amayi anga atamwalira, ndimachita chilichonse kuti ndigone bwino usiku, ngakhale zitatanthauza kugona chala changa chili mkamwa.

Kuyimitsa kunali kovuta kwambiri poyamba, koma ndimafunitsitsadi ma brace - ndipo ndimafuna kuti agwire ntchito kuti ndisadzachitenso manyazi ndi mano anga opindika.

Nditatsala ndi mano anga onse aang'ono, ndinali pafupifupi 14 - wamkulu kuposa anzanga ambiri omwe adayamba ndi kulimba mtima kusukulu yapakati. Ena adayamba kusekondale ndi mano owongoka kwathunthu. Sindinathe kulumikizana ndi ma brace m'mbuyomu chifukwa ndinali wosauka ndipo ndimayenera kudikirira malingaliro a dokotala wa mano.

Mukakhala osauka, zinthu zambiri zimabwera paziwonetsero zaumphawi

Zovala za Kmart ndi Walmart, nsapato zopanda mtundu kuchokera ku Payless, kudula tsitsi kuchokera ku Supercuts m'malo mwa bougie salon mtawuni, magalasi otchipa omwe inshuwaransi yazaumoyo yokhudzana ndi thanzi.

Chizindikiro china? Mano "oyipa". Ndi chimodzi mwazizindikiro zakumphawi ku America.

"[Mano 'oyipa' amawoneka ngati mtundu wamakhalidwe abwino ndipo nthawi zambiri amafananitsidwa ndi chikhalidwe, monga anthu omwe mano awo ali osokonekera ndi olowa pansi," akutero a David Clover, wolemba komanso kholo lomwe amakhala ku Detroit. Adakhala zaka 10 wopanda chithandizo chilichonse chamano chifukwa chosowa inshuwaransi.

Mtengo wapakati wazitsulo mu 2014 unali kulikonse kuyambira $ 3,000 mpaka $ 7,000 - zomwe zikadakhala zosatheka kwa ife.

Tilinso ndi mayanjano oyipa omwe amamwetulira omwe akusowa mano kapena osalunjika bwino kapena oyera. Malinga ndi kafukufuku wa Kelton wa Invisalign, anthu aku America amazindikira anthu omwe ali ndi mano owongoka ngati 58% atha kuchita bwino. Amawonekeranso kuti ndi osangalala, athanzi, komanso anzeru.

Monga mwana wasukulu yapakati yemwe kholo lake silingakwanitse kupeza ndalama zochotsera m'matumba kapena zamankhwala, zimakhala zovuta mukamakumana ndi ziwerengero zotere.

Malinga ndi National Association of Dental Plans, mu 2016, 77% aku America anali ndi inshuwaransi ya mano. Awiri mwa atatu mwa anthu aku America omwe ali ndi inshuwaransi anali ndi inshuwaransi ya mano, yomwe nthawi zambiri imalandiridwa ndi olemba anzawo ntchito kapena imalipira mthumba. Izi nthawi zambiri sizosankha kwa anthu osauka.

A Laura Kiesel, wolemba pawokha wa ku Boston, adalipira mthumba kuti atulutse mano ake anzeru ndikupita popanda ochititsa dzanzi chifukwa sakanatha kulipira $ 500 yowonjezera. "Zinali zopweteka kwambiri kukhala maso chifukwa cha njirayi chifukwa mano anga anzeru adakhudzidwa kwambiri ndi mafupa omwe amayenera kutseguka ndipo anali magazi kwambiri," akukumbukira Kiesel.

Kuperewera kwa inshuwaransi ya mano kumatha kubweretsanso ngongole zakuchipatala ndipo ngati simungathe kulipira, ndalama zanu zimatha kutumizidwa kuma bungwe osonkhetsa ndalama ndipo zitha kusokoneza ngongole yanu yazaka zambiri.

Lillian Cohen-Moore, mlembi ndi mkonzi wa ku Seattle anati: "Njira za mano zomwe ndakhala ndikuchita zatenga pafupifupi zaka khumi kuti ndilipire.""Ndamaliza kumaliza ngongole yanga yamano chaka chatha."

Dokotala wanga wamazinyo adatsimikizira abambo anga kuti MassHealth, boma la Massachusetts lidakulitsa chisamaliro chaumoyo padziko lonse lapansi kuti the Affordable Care Act idakhazikitsidwa, "zitha kundivomereza" chifukwa cha mano anga. Sakanakhala ndi nkhawa ndi ma copays aliwonse. (Chiyambireni kumwalira kwa amayi anga, bambo anga anali kholo limodzi komanso woyendetsa taxi akuvutika mzaka zotsatira zachuma. Ntchito yake sinabwere ndi 401 (k) kapena inshuwaransi yazaumoyo yothandizidwa ndi kampani.)

Ndipo ndimadziwa kuti ma copays angapangitse kuti ma brace anga asakhale okwera mtengo, chifukwa tinali titachedwa miyezi pachilichonse chomwe tinali nacho - renti, galimoto, chingwe ndi intaneti.

Patatha milungu ingapo, tinalandira nkhani zongonena kuti inshuwaransi yanga sichilipira zolimba

Iwo anali atawona mano anga sali oyipa mokwanira. Zomwe ndimangoganiza zinali nkhungu yamano yomwe adotolo adatengera pakamwa panga pakuwunika kwanga. Blue putty yopangidwa ndimatenda anga opunduka, opindika, ndikudzadza kuchokera mano anayi owonjezera omwe adafuna kutulutsa omwe sindinakwanitse kutulutsa pakamwa panga.

Ndinali ndi chip pa dzino langa lakumaso kuyambira pomwe ndinagwa ndili mwana ndikuthamanga.

"Ndibwino kuti mupemphe inshuwaransi, ndikudikirira mpaka mutalimba mtima kuti chip chikonzeke," dokotala wanga wamazinyo anafotokoza.

Palibe zolemba zakumwetulira kwanga kuyambira ndili kusekondale.

Ndipamene mano anga adakhala chizindikiro kuti sindinali wolemera kapena ngakhale wapakati. Kusintha mawonekedwe anu ndi mwayi wofunikira ndalama, zothandizira, komanso nthawi. Mtengo wapakati wazitsulo umayambira pakati pa $ 3,000 mpaka $ 7,000 - zomwe zinali zosatheka kwa ife.

Abambo anga adanditenga kusukulu mu cab yake kapena ndimapita kunyumba chifukwa sitinakwanitse kugula galimoto. Ma sneaker anga sanali a Convers, anali ogogoda omwe amawoneka ngati Convers popanda logo yodziwika ya nyenyezi. Ndipo mano anga sanali owongoka, ngakhale kuti aliyense amene anali pafupi nane anali kuyendera sing'anga mwezi uliwonse kuti azisintha pafupipafupi.

Chifukwa chake, pazithunzi, ndimatseka pakamwa panga ndi milomo yanga. Palibe zolemba zakumwetulira kwanga kuyambira ndili kusekondale. Ndinasiyanso kuyamwa chala changa usiku pambuyo povomerezedwa ndi dokotala wanga wam'mimba koyamba, ngakhale nditasowa amayi anga akuthodola. Gawo langa nthawi zonse limayembekeza kuti tsiku lina ndidzatha kulimba.

Nthawi ina, nditapsompsona mtsikana, ndinayamba kuda nkhawa kuti mwina mano anga opotoka "angalowerere" komanso ngati mano anga oipa amandipsompsona. Amakhala ndi zibangili kusukulu yapakati ndipo yake inali yowongoka kale.

Komabe ndinali ndi mwayi m'njira zambiri

Zaka zambiri ACA isanachitike, ndinali ndi mwayi wopeza mano abwino. Ndidawawona madotolo azitsuka pafupipafupi miyezi isanu ndi umodzi iliyonse popanda cholembera (dotolo wanga wamwamuna amangolipiritsa $ 25 ngati mwaphonya maulendowa katatu motsatizana, zomwe zili zachilungamo).

Nthawi iliyonse ndikakhala ndi zibowo, ndimatha kudzazidwa. Pakadali pano, bambo anga adapita zaka 15 osamuwona dotolo wamano nthawi yomwe MassHealth adasankha kuti asaphimbe mano akuluakulu.

Kenako, ndili ndi zaka 17, dokotala wanga wamankhwala komanso wamankhwala pamapeto pake adachita apilo inshuwaransi yanga yaboma kuti ndithandizire chithandizo changa - munthawi yake, kuyambira nditakwanitsa zaka 18, izi sizikanakhalanso zosankha pa MassHealth.

Ndidavala zolimba mu Ogasiti chaka changa chisanakwane kusukulu yasekondale ndipo ndidafunsa katswiri wamankhwala kuti agwiritse ntchito zotanuka potengera utawaleza wosinthana, chifukwa ndimafuna kuti anthu azindikire zomangira zanga ndikamwetulira: Anali njira yanga yolengeza kuti ndikada posakhalitsa alibe mano owoneka bwino.

Pambuyo pochotsa mano anga anayi, kumwetulira kwanga kudatsitsimuka kwambiri ndipo dzino lililonse lidayamba kusunthira pang'onopang'ono.

Choipa changa chachikulu chidachoka, ndipo Pothokoza, msuwani wanga anandiuza momwe ndimawonekera wokongola. Ndinatenga selfie yanga yoyamba ndi mano owoneka pafupifupi zaka 10.

Zinatenga zaka zisanu kuti zibalabala zitheke, poyerekeza ndi kutalika kwa chisamaliro cha orthodontic.

Ndikulowa mkalasi tsopano, ndipo ndimakhudzidwa kwambiri ndikusintha malingaliro a anthu osauka kuposa momwe ndimadzisinthire kuti ndikwaniritse bwino zapamwamba poyeretsa mano anga kapena kukana kugula zovala m'masitolo monga Walmart kapena Payless .

Chaka chimodzi kapena kupitirako kuchipatala changa, a orthodontist adayamba kundichititsa manyazi kuti sindinapite kukaonana pafupipafupi. Koma koleji yanga inali kupitirira maola awiri ndipo bambo anga analibe galimoto. Ndikadataya inshuwaransi ndikadasintha chisamaliro kumachitidwe ena.

Kuchedwetsa chithandizo changa cha mafupa kunanditengera nthawi yayitali, chifukwa ndikadatha kubwera kudzaikidwa pafupipafupi ndili mwana wasekondale yemwe ndimakhala kunyumba.

Tsiku lomwe adatuluka, ndidali wokondwa kuti sindiyeneranso kukhala mchipinda chodikirira pakati pa ana ndi achinyamata - ndikuti anthu sangafunsenso chifukwa chomwe ndinalimbikira zaka 22.

Ndine wokwiya kuti mano abwino ndi chisamaliro cha mano si mwayi womwe aliyense ali nawo

Miyezi ingapo yapitayo, pomwe ine ndi mnzanga tinajambula zithunzi za chibwenzi chathu, ndinamwetulira nditawona omwe ndatsegula pakamwa, ndikuseka nthabwala zawo. Ndine womasuka ndikumwetulira kwanga komanso mawonekedwe anga. Koma ngakhale ndimatha kulimbana kuti ndipeze inshuwaransi yanga yazaumoyo kuti ndikwaniritse chithandizocho, anthu ambiri alibe ngakhale inshuwaransi yoyambira kapena mano.

Mano anga sanayeretsedwe bwinobwino ndipo ndikawayang'anitsitsa, ndimatha kudziwa kuti ndi achikasu pang'ono. Ndawona zikwangwani zakuyeretsa akatswiri kuofesi yanga ya mano ndikuganiza zopereka ndalama kuti ndiziwayeretsa ukwati wanga usanachitike, koma sizimveka mwachangu. Sikumverera kwachisoni komwe kuwongola mano anga kudalimbikitsidwa ndili wachinyamata wopanda chitetezo ndikungophunzira kuti zosowa zofunika nthawi zambiri zimafuna chuma ndi ndalama.

Ndikulowa mkalasi tsopano, ndipo ndimakhudzidwa kwambiri ndikusintha malingaliro a anthu osauka kuposa momwe ndimadzisinthire kuti ndikwaniritse bwino zapamwamba poyeretsa mano anga kapena kukana kugula zovala m'masitolo monga Walmart kapena Payless .

Kupatula apo, msungwana yemwe ndimachita mantha ndikumpsompsona ndi mano opotoka zaka zapitazo? Adzakhala mkazi wanga. Ndipo iye amandikonda ine kapena wopanda kumwetulira koyera koyera.

Alaina Leary ndi mkonzi, woyang'anira media, komanso wolemba waku Boston, Massachusetts. Pakadali pano ndiwothandizira mkonzi wa Equally Wed Magazine komanso mkonzi wazama TV ku bungwe lopanda phindu lomwe timafunikira.