Ungabathola kanjani odokotela bamazinyo abashibhile noma abakhululekile. Zonke izifundazwe zinikela ngemitholampilo yamazinyo okungenani ebiza kancane noma engabizi. Uma uhlala endaweni esemaphandleni, kungadingeka ukuthi uhambe ukuze ufinyelele kuyo, imitholampilo eminingi isemadolobheni, ikakhulukazi amadolobha anezikole zamazinyo. Abanye odokotela bamazinyo baphinde banikeze imishanguzo enamanani entengo ngesilinganiso esislayidayo, okusho ukuthi bazolungisa imali yabo kumholo wakho.
Buza esibhedlela sendawo sikahulumeni, izibhedlela ezinkulu zingaba ne- umtholampilo wamazinyo womphakathi noma bangakudlulisela kokukodwa. Ungahlola nenhlangano yakho yamazinyo yombuso, engatholakala kuwebhusayithi ye- Inhlangano Yamazinyo yaseMelika (NAKHU). I-ADA iphindze inikete ( Imephu ) kusiza ukubala zonke izinhlelo zokwelashwa kwamazinyo mahhala nezindleko eziphansi esifundazweni ngasinye.
Imephu ifaka imitholampilo yezikole zamazinyo, izinhlelo zokufinyelela ekunakekelweni kwamazinyo, imitholampilo yamazinyo, nezinhlangano ezinikezelwe ukusiza abantu ukuthi bathole ukunakekelwa kwamazinyo okungabizi.
Imitholampilo Yesikole Samazinyo
Imitholampilo yesikole samazinyo ingaba inketho enhle kakhulu yokwelapha izinkinga ezinkulu zempilo yamazinyo. Abafundi bamazinyo kumele bathole ukuqeqeshwa emsebenzini kanye nesipiliyoni ngaphambi kokuthola ilayisense. Ukunakekelwa kungenzeka kungabi mahhala, izikole eziningi zisebenza ngesikali esisheshayo, kepha ngaso sonke isikhathi kuyabiza kakhulu.
Okwenzelwa ukuthi uzochitha isikhathi esiningi esihlalweni samazinyo, njengoba abafundi besebenza ngaphansi kweso likadokotela wamazinyo onelayisense odinga ukubuyekeza umsebenzi wabo ngokucophelela futhi achithe isikhathi esiningi ngawodwana nomfundi nesiguli ngasinye. futhi kungadingeka ukuthi uvakashele umtholampilo izikhathi eziningana ukuqedela uhlelo lwakho lokwelashwa. Ungathola uhlu lwezikole zamazinyo lapha .
Izinhlangano zokutholakala kokunakekelwa kwamazinyo
Ezinye izinhlangano ezingakusiza uthole umtholampilo wamazinyo ongabizi noma ukunakekelwa kufaka phakathi I-United Way , umfelandawonye womphakathi wezinhlangano ezisiza umphakathi.
Ungahlola futhi Ukuphathwa Kwezinsizakusebenza Nemisebenzi Ezempilo (i-HRSA), insiza kaNdunankulu yesizwe yezakhamizi ezingenawo umshwalense noma lezo ezisengozini enkulu yokuthola izinkinga zezempilo uma zingakutholi ukunakekelwa kwezokwelapha / kwamazinyo ngokushesha okukhulu.
Amazinyo Avela Enhliziyweni ibamba imicimbi yamahhala yokunakekelwa kwamazinyo, lapho odokotela bamazinyo benikela ngesikhathi sabo ukuhlinzeka ukwelashwa kwamazinyo kulabo abangenakukuthola ngenye indlela.
Umsebenzi Wesihe unikeza ukwelashwa kwamazinyo kwamahhala kulabo abangenawo umshuwalense wamazinyo owenele noma abangenawo umshwalense wamazinyo e-Arizona, Maryland, Pennsylvania naseTexas.
Izifundo zobudokotela
INational Institute of Dental and Craniofacial Research (NIDCR), enye ye Izikhungo Zikazwelonke Zezempilo Uhulumeni wesifundazwe kwesinye isikhathi ufuna amavolontiya anezimo ezithile zamazinyo, zomlomo, nezama-craniofacial ukuze abambe iqhaza ezifundweni zocwaningo, ezaziwa nangokuthi izivivinyo zokwelashwa.
Abaphenyi banganikeza ababambiqhaza bocwaningo ukwelashwa okulinganiselwe kwamahhala noma ngezindleko eziphansi zamazinyo ngesimo esithile abasifundayo. Ukuthola ukuthi ngabe kukhona yini ukuhlolwa kwe-NIDCR kwemitholampilo okungahlangabezana nezidingo zakho, vakashela iwebhusayithi ye-NIDCR. I-NIDCR bese uchofoza Izilingo Zemitholampilo. Ukuthola uhlu oluphelele lwazo zonke izivivinyo zomtholampilo ezixhaswa ngemali nguhulumeni, vakashela le sayithi .
Qaphela amawebhusayithi amabi
Qaphela amawebhusayithi athembisa ukukunikeza uhlu lwabahlinzeki bokunakekelwa kwamazinyo mahhala noma ngemali ephansi endaweni yangakini. Qaphela uma becela imininingwane yakho yokuxhumana noma bakudinga ukuthi wenze i-akhawunti (nge-imeyili nephasiwedi) ngaphambi kokufinyelela kudathabheyisi yabo - kokunye lawa mawebhusayithi avele aqoqe idatha angayisebenzisa (noma ayithengisele) ezinkampanini zokumaketha.
Kwabanye, kungenzeka ukuthi bafuna imininingwane abangayisebenzisa ukweba ubuwena, njengoba abantu abaningi basebenzisa i-imeyili nephasiwedi efanayo ukungena kumawebhusayithi amaningi noma kwizinsizakalo ze-Intanethi ezinemininingwane yezezimali. Kuyaqabukela kudingekile ukufaka ngaphezu kwe-zip code ku thola udokotela wamazinyo noma umtholampilo wamazinyo eduze kwakho.
Amathiphu wokonga imali ekunakekelweni kwamazinyo
Akufanele uphelelwe yithemba uma ungenakho ukufinyelela kumshuwalense wamazinyo futhi ungenayo imali yokukhokha ephaketheni. Kunezindlela eziningi zokonga imali ekunakekelweni kwamazinyo, kufaka phakathi izindlela ezilandelayo:
1. Bamba iqhaza ezifundweni zobudokotela
Amanyuvesi amaningi nezinhlangano zicwaninga ngezimo ezithile zamazinyo nezindlela zokwelashwa. Isibonelo, izivivinyo zokwelashwa zivame ukwenziwa ukuvivinya ikhwalithi yemithi yokwelapha emisha, nokuhlola izidakamizwa, abacwaningi badinga amavolontiya. Ngakho-ke, ungacabanga ukubamba iqhaza ocwaningweni lwezokwelapha ukuze uthole ukunakekelwa kwamazinyo kwamahhala, njengokuhlanzwa kwamazinyo noma ukukhishwa.
Kodwa-ke, kufanele wazi ukuthi uhlobo lokunakekelwa olutholayo luvame ukusebenza emkhakheni owufundayo, ngakho-ke qiniseka ukuthi uthola isivivinyo somtholampilo esizimisele ukuhlinzeka ngohlobo lomsebenzi owudingayo. Ungathola uhlu lwezivivinyo zokwelashwa endaweni yakho ngokusebenzisa kusuka ku-National Institute of Dental and Craniofacial Research .
2. Sebenzisa abahlinzeki bamazinyo bamahhala noma ababizayo
Odokotela abaningi bamazinyo basebenzela iziguli ezingenawo umshwalense futhi zisebenza ngesilayidi esislayidayo, okusho ukuthi zizobeka imali yazo ngokuya ngeholo lakho.
Kunezindlela eziningana zokuthola odokotela bamazinyo abasebenza esikalini esishelelayo. Xhumana negatsha langakini le- I-United Way , umfelandawonye wezinhlangano ezisiza umphakathi ezithuthukisa imiphakathi yasendaweni. Enye indlela ukuxhumana nenhlangano yakho yamazinyo yombuso; Imininingwane yabo yokuxhumana ingatholakala kuwebhusayithi ye- Inhlangano Yamazinyo yaseMelika (NAKHU).
Uma ungakwazi ukuthola noma ukukhokhela udokotela wamazinyo osebenza esikalini esishelelayo, ungafaneleka ukuthola usizo lomtholampilo wezokwelapha wamahhala. Ukufaneleka kuvame ukukhawulelwa ezigulini ezihola kancane.
3. Bheka amakhuphoni nokonga online
Uma uzama ukonga imali ekunakekelweni kwamazinyo, qiniseka ukuthi uhlola amawebhusayithi ukuthola amadili ansuku zonke. Lawa masayithi kwesinye isikhathi anikezela ngamakhuphoni futhi asebenzelana nezinsizakalo zokunakekelwa kwamazinyo, njengokuhlanzwa noma ukugcwaliswa. Ukuvakashela lawa masayithi kungasindisa impilo yakho uma ungakaqinisekisiwe, ucabanga ukuthi isikweletu samazinyo singangeza kumakhulu noma izinkulungwane zamaRandi.
4. Bhalisela uhlelo lwamazinyo lwesaphulelo
Ngemali yobulungu yonyaka, ungajoyina uhlelo lwamazinyo lwesaphulelo, olukuvumela ukuthi uthole izaphulelo ezibalulekile (phakathi kuka-15% no-60%) ezindlekweni zamazinyo, inqobo nje uma usebenzisa odokotela bamazinyo abamukela lezi zinhlelo. Bheka izinhlelo endaweni yakho ku-DentalPlans.com ukuze ubone ukuthi ikulungele yini.
5. Sebenzisa izinsizakalo zabafundi bamazinyo.
Izitshudeni zamazinyo kumele zithole isipiliyoni ngaphambi kokuba ziphothule futhi zibe nelayisense. Kungabasiza ukuthi bathole isipiliyoni ngenkathi bethola ukunakekelwa kwamazinyo ngasikhathi sinye ngezindleko ezincishiswe kakhulu, futhi abafundi basebenza ngaphansi kweso lodokotela wamazinyo noma owokuhlanzeka kwamazinyo. Vakashela i-ADA online ukuthola izikole zamazinyo endaweni yangakini.
6. Bona ukuthi isaphulelo siyatholakala yini
Odokotela abaningi bamazinyo bayaqonda ukuthi ezinye iziguli azinawo umshuwalense. Ukuze bangaxoshi amakhasimende akhokhelayo, bangahle bathambekele ukukusiza, ikakhulukazi uma bezwelana nesimo sakho. Ngakho-ke, yazisa udokotela wamazinyo ngomshwalense wakho noma isimo sakho sezezimali bese uzama ukuxoxisana ngesikweletu sakho ngaphambi kwesikhathi. Usebenzisa amasu amahle wokuxoxisana futhi, uma kungenzeka, ukubhuka i-aphoyintimenti ngesikhathi sebhizinisi esisheshayo kungakhuphula amathuba akho okuthola isephulelo.
7. Zimisele ukukhokha kusengaphambili
Leli icebo elincane elingakutholela izaphulelo ezijwayelekile. Ngokuya ngocwaningo lwaseCalifornia, odokotela abaningi bamazinyo bazimisele ukunciphisa intengo ngo-5% uma iziguli zizimisele ukukhokha ngaphambili.
8. Thatha ezokuvakasha zamazinyo
Ukuya kwamanye amazwe kungabiza kakhulu, kepha kungakufanele uma udinga umsebenzi obiza kakhulu. Kodwa-ke, ukuthola ukwelashwa kwamazinyo phesheya kungaba nzima; Ngaphezu kwezinhlelo zokuhamba ozodinga ukuzenza, kufanele futhi ucabangele imithethonqubo namazinga wokunakekelwa onikezwa phesheya. Uma kungenzeka, thintana nodokotela wamazinyo e-United States ukunquma ukuthi ukuhambela kwelinye izwe ukuthola usizo lwamazinyo kuyisinqumo esifanele sezidingo zakho ezithile.
9. Ukunikezwa kwezinsizakalo zokushintshana
Uma unesethi yamakhono ehlukile, ukushintshana kungaba yinto ongayikhetha. Uma udokotela wamazinyo enenkambiso yakhe, bangadinga umuntu ongasiza ibhizinisi ukuthi libonakale noma lisebenze kahle. Isibonelo, uma ungumgcini-zimali ofanelekayo, unjiniyela wewebhu, umdwebi wezithombe, noma umxhumanisi wokumaketha, ungakwazi ukuhweba izinsizakalo zakho ngokunakekelwa kwamazinyo. Sesha ama-barter websites ukuze uthole amathuba avelayo.
10. Thola itoho elinenzuzo yamazinyo
Yize imisebenzi eminingi idinga ukuthi ube yisisebenzi esigcwele ukuze uthole izinzuzo zomshuwalense, eminye iyaguquguquka. Ungahle ufune ukubheka umsebenzi wesikhashana ngezinzuzo zomshuwalense wezempilo. Uma nje uhlangabezana nenani elincane lamahora asetshenzisiwe adingekayo inyanga ngayinye, ungafaneleka ukuthola umshuwalense wamazinyo nowezempilo.
11. Sebenzisa izinsiza ze-
uhulumeni Izinhlangano eziningi zikahulumeni zisungulelwe ukusiza abantu abahola kancane nabangenawo umshwalense ukuthola ukunakekelwa kwezempilo abakudingayo. Lezi zinhlangano zifaka phakathi Ukuphathwa Kwezinsizakusebenza Nemisebenzi I-Health (HRSA), eyisisetshenziswa esiyisisekelo sezakhamizi ezingavikelekile noma labo abasengozini enkulu yokuthola izinkinga zezempilo ukuthola usizo. I-HRSA inikezela ngohlu lwabahlinzeki bamazinyo ababiza kakhulu endaweni yangakini ongabafanelekela.
Uma ungumzali, ungahle ukwazi ukusebenzisa ithuba le- Uhlelo lomshwalense Udokotela Wezingane (CHIP Medicaid), ozosiza ukukhokhela ukunakekelwa kwezingane zakho kwezokwelapha namazinyo.
12. Thola umbono wesibili
Ungahle ungakwazi njalo ukonga imali kwizikweletu zakho zamazinyo. Ngakho-ke, kufanele ufune umbono wesibili uma udokotela wakho wamazinyo encoma umsebenzi obalulekile noma obizayo. Ungonga imali eningi ngokungamane ukhokhele okuthile okungabalulekile.
13. Vakashela inhlangano engenzi nzuzo
Kunezinhlangano eziningi ezingenzi nzuzo ezibhalisiwe ezinikeza ukwelashwa kwamazinyo kwamahhala. Ngokwesibonelo, Amazinyo Avela Enhliziyweni ibamba imicimbi lapho odokotela bamazinyo benikela ngesikhathi sabo nemishini yabo ukuhlinzeka ukwelashwa kwamazinyo kulabo abangenakukuthola ngenye indlela.
Umsebenzi Wesihe enye inhlangano engenzi nzuzo enikeza ukwelashwa kwamazinyo kwamahhala (kanye nokunakekelwa kwamahhala nemiyalelo yamahhala) kulabo abangenawo umshuwalense wamazinyo owenele noma abangenawo umshwalense wamazinyo. Kodwa-ke, izinsizakalo zeMission of Mercy zikhawulelwe ezigulini ezise-Arizona, Maryland, Pennsylvania naseTexas.
Izwi lokugcina
Yize kukuhle ukonga imali ekunakekelweni kwamazinyo, okubalulekile kwakho kufanele kube ukunakekela amazinyo akho nsuku zonke. Yize izinkinga eziningi zamazinyo, ezinjengamazinyo okuhlakanipha athintekile nezimbotshana zesikhathi esithile, zingagwemeka, unganciphisa amathuba nezindleko zezinkinga eziningi ngokusebenzisa imikhuba yokunakekela izifo.
Kodwa-ke, kubalulekile ukukhumbula ukunakekela izinkinga zamazinyo noma kunini lapho kudingeka khona ngesikhathi esifanele. Into yokugcina ofuna ukuyenza ukuvumela izinkinga zakho zibe zimbi ngokungazinaki; Lokhu kungadala ukuhlupheka kwesikhathi eside kanye nezinkinga ezengeziwe zezempilo, futhi kungenzeka kukubize kakhulu esikhathini esizayo.
Okuqukethwe