{"id":5455,"date":"2022-01-24T20:35:03","date_gmt":"2022-01-25T01:35:03","guid":{"rendered":"https:\/\/www.medicalofficesofmanhattan.com\/understanding-deductibles-other-health-insurance-terms\/"},"modified":"2023-05-22T06:37:38","modified_gmt":"2023-05-22T10:37:38","slug":"understanding-deductibles-other-health-insurance-terms","status":"publish","type":"post","link":"https:\/\/www.medicalofficesofmanhattan.com\/es\/blog\/understanding-deductibles-other-health-insurance-terms\/","title":{"rendered":"Comprender los Deducibles y Otros T\u00e9rminos de Seguro M\u00e9dico"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Intentar entender tu plan de seguro de salud puede parecer una tarea complicada. No siempre queda claro qu\u00e9 proveedores est\u00e1n incluidos en la cobertura, qu\u00e9 procedimientos est\u00e1n incluidos en tu plan o c\u00f3mo obtener el cuidado m\u00e1s \u00fatil y econ\u00f3mico. Si no est\u00e1s familiarizado con el vocabulario que utilizan las compa\u00f1\u00edas de seguros de salud, puede resultar especialmente dif\u00edcil entender los detalles sobre c\u00f3mo hacer que tu plan sea el m\u00e1s adecuado para ti.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sin embargo, es importante conocer los detalles de tu cobertura y asegurarte de seleccionar el plan m\u00e1s adecuado para tu situaci\u00f3n. No solo te ahorrar\u00e1 gastar m\u00e1s dinero de lo necesario o sufrir sorpresas desagradables en tus facturas de salud, sino que tambi\u00e9n te evitar\u00e1 los problemas o el tiempo perdido que pueden derivarse de conversaciones innecesarias con tu compa\u00f1\u00eda de seguros. Estamos aqu\u00ed para ayudarte! Aqu\u00ed tienes un breve resumen de algunos de los t\u00e9rminos clave relacionados con el seguro de salud.<\/span><\/p>\n<h2><b>\u00bfQu\u00e9 es un deducible?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Uno de los factores que pueden variar considerablemente de un plan a otro es el monto del abono m\u00e9dico. Este es el monto que usted tendr\u00e1 que pagar por% su propio bolsillo durante un a\u00f1o antes de que la cobertura m\u00e9dica sea cubierta por su compa\u00f1\u00eda de seguros. En la mayor\u00eda de los casos, los copagos o la co-seguro no se tendr\u00e1n en cuenta para calcular el abono m\u00e9dico, y las visitas preventivas al m\u00e9dico, como los controles peri\u00f3dicos con el m\u00e9dico general o las citas para vacunaci\u00f3n, generalmente est\u00e1n cubiertas, independientemente de si el abono m\u00e9dico ha sido alcanzado o no.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dado que la cantidad de gastos personales que se deducen de la prima de seguro se restablece al inicio de cada a\u00f1o, el plan m\u00e1s adecuado para usted depender\u00e1 generalmente de la cantidad de atenci\u00f3n m\u00e9dica que probablemente recibir\u00e1 durante los doce meses siguientes. Los planes \u201cplatino\u201d o \u201coro\u201d de niveles m\u00e1s altos suelen tener primas m\u00e1s bajas (algunos incluso no tienen ninguna) que los planes \u201cbronce\u201d o \u201cplatino\u201d, pero tambi\u00e9n tendr\u00e1n un pago mensual comparativamente m\u00e1s alto.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Esto significa que las personas que necesitan visitar al m\u00e9dico con frecuencia o que necesitan m\u00faltiples recetas regulares pueden optar por un plan con un deducible m\u00e1s bajo, mientras que las personas con menos necesidades de atenci\u00f3n m\u00e9dica y que tienen menos probabilidades de alcanzar su deducible durante un a\u00f1o pueden optar por un plan con un deducible m\u00e1s alto y una prima m\u00e1s baja.<\/span><\/p>\n<h2><b>\u00bfQu\u00e9 es un m\u00e1ximo de gasto de bolsillo?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Este puede parecer un poco m\u00e1s evidente por s\u00ed mismo. Adem\u00e1s de un deducible, algunos planes tendr\u00e1n una cifra separada y m\u00e1s alta que establece una cantidad m\u00e1xima que usted puede gastar de su bolsillo durante un a\u00f1o. Una vez que se alcanza su m\u00e1ximo de gastos de bolsillo, el cien por ciento de los costos m\u00e9dicos ser\u00e1n cubiertos por su proveedor de seguros. Algunos paquetes son planes de \u201csin costo despu\u00e9s del deducible\u201d, en los cuales el deducible en s\u00ed mismo representa el l\u00edmite de gastos de bolsillo.<\/span><\/p>\n<h2><b>\u00bfQu\u00e9 es un copago?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Un copago es la cantidad fija de dinero que se le exigir\u00e1 pagar por diversos servicios cubiertos por su seguro m\u00e9dico. Los copagos variar\u00e1n de un plan a otro y de un servicio a otro; por ejemplo, una visita normal a su proveedor de atenci\u00f3n primaria puede tener un copago diferente al de una visita de atenci\u00f3n de urgencia o una cita de atenci\u00f3n m\u00e9dica mental, etc.<\/span><\/p>\n<h2><b>\u00bfQu\u00e9 es el coaseguro?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Una vez que se haya alcanzado la franquicia, el coseguro determina el porcentaje de los gastos sanitarios que se repartir\u00e1 entre t\u00fa y tu aseguradora. As\u00ed pues, si su coseguro es del 20%, deber\u00e1 cubrir el 20% de los costes, mientras que su aseguradora se har\u00e1 cargo del 80% restante, desde el momento en que se alcance el deducible hasta su l\u00edmite m\u00e1ximo de gastos de bolsillo. Un plan sin costes tras el deducible mostrar\u00e1 0% en el apartado de coseguro.<\/span><\/p>\n<h2><b>\u00bfTe sientes perdido? No tengas miedo de hacer preguntas<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Al final de cuentas, todos merecen recibir el cuidado de la salud que necesitan sin tener que preocuparse por lo que les costar\u00e1 el tratamiento. Queremos que todos nuestros pacientes se sientan seguros y c\u00f3modos con su experiencia sanitaria. Si tiene alguna pregunta sobre c\u00f3mo utilizar su seguro para una cita con los consultorios m\u00e9dicos de Manhattan, no dude en contactar con nuestra oficina.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Trying to understand your health insurance plan can feel like navigating a maze. It isn\u2019t always entirely clear which providers are eligible for insurance coverage, which procedures are covered under your plan, or how to get the most useful, cost-effective care. If you\u2019re unfamiliar with the vocabulary that health insurance companies use, it can be [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5456,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[454],"tags":[],"class_list":["post-5455","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Health Insurance Terms Explained | Medical Offices of Manhattan<\/title>\n<meta name=\"description\" content=\"Decode health insurance terminology with our comprehensive guide. Understand deductibles and other key terms to make informed decisions. Empower yourself today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.medicalofficesofmanhattan.com\/es\/blog\/understanding-deductibles-other-health-insurance-terms\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Health Insurance Terms Explained | Medical Offices of Manhattan\" \/>\n<meta property=\"og:description\" content=\"Decode health insurance terminology with our comprehensive guide. Understand deductibles and other key terms to make informed decisions. 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