{"id":42286,"date":"2019-09-18T09:12:14","date_gmt":"2019-09-18T15:12:14","guid":{"rendered":"https:\/\/uat-internal.connectforhealthco.com\/?page_id=42286"},"modified":"2026-10-15T09:25:39","modified_gmt":"2026-10-15T15:25:39","slug":"explicacion-de-los-costos-del-seguro","status":"publish","type":"page","link":"https:\/\/connectforhealthco.com\/es\/recursos\/introduccion-al-seguro-de-salud\/explicacion-de-los-costos-del-seguro\/","title":{"rendered":"Explicaci\u00f3n de los costos del seguro"},"content":{"rendered":"<div class=\"wp-bootstrap-blocks-row\">\n\t<div class=\"grid\">\n\t\t<div class=\"row\">\n\t\t\t\n\n<div class=\"col-12 col-sm-12 col-md-8 col-lg-8 col-xl-8\">\n\t<div class=\"\">\n\t\t\n\n<h2 class=\"wp-block-heading\"><strong>&iquest;Cu&aacute;nto pagar&eacute;?<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Dos cosas determinan cu&aacute;nto pagar&aacute; por un a&ntilde;o de atenci&oacute;n m&eacute;dica<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:22px\"><img loading=\"lazy\" decoding=\"async\" width=\"36\" height=\"36\" class=\"wp-image-41964\" style=\"width: 36px;\" src=\"https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/08\/21141206\/Icon-Numbers-01.png\" alt=\"Icon Number 1\"\/>&nbsp;<strong><span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>Prima<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Considere la <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>prima<\/span> como su factura mensual: la cantidad que debe pagar cada mes a tiempo a su compa&ntilde;&iacute;a de seguros. Mantiene su seguro activo y ayuda a cubrir el costo de los servicios incluidos en su plan, como los <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">servicios preventivos<\/span>.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Comprendiendo su prima de seguro de salud\" width=\"1778\" height=\"1000\" src=\"https:\/\/www.youtube.com\/embed\/Nk4hCt2K2HE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:22px\"><img loading=\"lazy\" decoding=\"async\" width=\"36\" height=\"36\" class=\"wp-image-41965\" style=\"width: 36px;\" src=\"https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/08\/21141230\/Icon-Numbers-02.png\" alt=\"Icon Number 2\"\/>&nbsp;<strong><span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">Costos de desembolso<\/span> (costo cuando obtiene atenci&oacute;n m&eacute;dica)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">seguro de salud<\/span> est&aacute; dise&ntilde;ado para compartir costos con usted cuando obtiene atenci&oacute;n m&eacute;dica o recetas. Estos <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">costos compartidos<\/span> son de dos tipos: <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>copago<\/span>s y <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">coaseguro<\/span>s. Cu&aacute;ndo se apliquen estos costos depender&aacute; del <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>deducible<\/span> y el desembolso m&aacute;ximo.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Comprendiendo su costos de bolsillo\" width=\"1778\" height=\"1000\" src=\"https:\/\/www.youtube.com\/embed\/jQBLLjNXSSU?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Hay dos tipos de <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">costos compartidos<\/span>:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><img loading=\"lazy\" decoding=\"async\" width=\"36\" height=\"36\" class=\"wp-image-47363\" style=\"width: 36px;\" src=\"https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/08\/30105434\/Icon-Dollars.png\" alt=\"Dollars Icon\"\/><strong><span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>Copago<\/span>: <\/strong>Una cantidad fija &mdash;por ejemplo, $10&mdash; que usted paga por una consulta m&eacute;dica o una receta cubiertas por su plan de salud. Habitualmente se paga cuando usted recibe el servicio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><img loading=\"lazy\" decoding=\"async\" width=\"36\" height=\"36\" class=\"wp-image-47364\" style=\"width: 36px;\" src=\"https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/08\/30105434\/Icon-Percent_sign.png\" alt=\"Percent Icon\"\/><strong><span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">Coaseguro<\/span>:<\/strong> Un porcentaje de los costos &mdash;por ejemplo, 30%&mdash; que usted paga por una consulta m&eacute;dica o una receta cubiertas por su plan de salud. Recibir&aacute; una factura por esto una vez que haya obtenido el servicio.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Cu&aacute;ndo se apliquen estos costos depender&aacute; de dos detalles clave de su plan:<\/strong><\/h4>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>Deducible<\/span>:<\/strong> La cantidad que debe desembolsar por servicios m&eacute;dicos y recetas cubiertos antes de que su compa&ntilde;&iacute;a de seguros comience a pagar un porcentaje de sus facturas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>L&iacute;mite de desembolso m&aacute;ximo:<\/strong> Lo m&aacute;s que tendr&iacute;a que pagar por servicios y recetas cubiertos en un a&ntilde;o del plan.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Resulta &uacute;til pensar cu&aacute;nto pagar&aacute; por atenci&oacute;n m&eacute;dica en t&eacute;rminos de fases<\/strong><\/h4>\n\n\n<div class=\"card-image\">\n            <figure class=\"card-image__img\">\n            <img decoding=\"async\" src=\"https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/09\/20160848\/C4HC_Insurance-Costs-Explained_Spanish_Phase1.jpg\" alt=\"C4HC_Insurance-Costs-Explained_Spanish_Phase1\"\/>\n        <\/figure>\n    \n    <div class=\"card-image__content\">\n        \n        <p>La fase de <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>deducible<\/span> empieza al principio del a&ntilde;o del plan de seguro. Cuando obtenga una receta o un servicio m&eacute;dico, o bien pagar&aacute; un <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>copago<\/span> o se le facturar&aacute; la cantidad total en ese momento, seg&uacute;n los detalles de su plan. (Nota: En la mayor&iacute;a de los planes con Cuenta de ahorros de salud (HSA), usted pagar&aacute; el total de la factura hasta alcanzar el <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>deducible<\/span>. Luego, entrar&aacute;n en vigor los <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>copago<\/span>s).<\/p>\n\n        <!-- Call to actions -->\n            <\/div>\n<\/div>\n\n<div class=\"card-image\">\n            <figure class=\"card-image__img\">\n            <img decoding=\"async\" src=\"https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/09\/20160849\/C4HC_Insurance-Costs-Explained_Spanish_Phase2.jpg\" alt=\"C4HC_Insurance-Costs-Explained_Spanish_Phase2\"\/>\n        <\/figure>\n    \n    <div class=\"card-image__content\">\n        \n        <p>La fase de <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">coaseguro<\/span> empieza una vez que ha pagado lo suficiente por servicios de atenci&oacute;n m&eacute;dica y recetas (sin incluir los <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>copago<\/span>s) para alcanzar su <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>deducible<\/span>. Su compa&ntilde;&iacute;a de seguros de salud compartir&aacute; los costos con usted. Usted paga un porcentaje (habitualmente 20&ndash;40%) de los servicios de atenci&oacute;n m&eacute;dica o medicamentos cubiertos, y la compa&ntilde;&iacute;a de seguros paga el resto (habitualmente 80&ndash;60%). Todo <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>copago<\/span> sigue pag&aacute;ndose en el momento de recibir el servicio.<\/p>\n\n        <!-- Call to actions -->\n            <\/div>\n<\/div>\n\n<div class=\"card-image\">\n            <figure class=\"card-image__img\">\n            <img decoding=\"async\" src=\"https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/09\/20160851\/C4HC_Insurance-Costs-Explained_Spanish_Phase3.jpg\" alt=\"C4HC_Insurance-Costs-Explained_Spanish_Phase3\"\/>\n        <\/figure>\n    \n    <div class=\"card-image__content\">\n        \n        <p>La fase de desembolso m&aacute;ximo empieza una vez que el total de todos los <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>copago<\/span>s, recetas o facturas por los servicios de atenci&oacute;n m&eacute;dica cubiertos (sin incluir las <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>prima<\/span>s) alcanza la cantidad l&iacute;mite de desembolso m&aacute;ximo correspondiente a su plan. Su compa&ntilde;&iacute;a de seguros de salud paga el 100% de los costos de los servicios cubiertos hasta el final de diciembre.<\/p>\n\n        <!-- Call to actions -->\n            <\/div>\n<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"col-12 col-sm-12 col-md-4 col-lg-4 col-xl-4\">\n\t<div class=\"\">\n\t\t\n\n<p class=\"wp-block-paragraph\"><strong>&iquest;Lo sab&iacute;a?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Su g&eacute;nero y sus condiciones preexistentes NO influyen en la cantidad de su <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>prima<\/span>, gracias a la Ley del Cuidado de Salud a Bajo Precio. La cantidad de su <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>prima<\/span> se basa en su edad, ubicaci&oacute;n, categor&iacute;a del plan (Bronce, Plata u Oro) y consumo de tabaco.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Recuerde<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>prima<\/span> mensual NO cuenta hacia el <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>deducible<\/span> ni hacia el desembolso m&aacute;ximo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Los <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>copago<\/span>s no cuentan hacia su <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>deducible<\/span>, pero S&Iacute; cuentan hacia su desembolso m&aacute;ximo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Los servicios que proporcionan proveedores ajenos a la red o que no est&aacute;n cubiertos por los <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">beneficios<\/span> de su plan NO cuentan hacia su <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>deducible<\/span> ni hacia su desembolso m&aacute;ximo.<br><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><img loading=\"lazy\" decoding=\"async\" width=\"36\" height=\"36\" class=\"wp-image-42270\" style=\"width: 36px;\" src=\"https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/08\/19232151\/Icon-Tip.png\" alt=\"Tip Icon\"\/>&nbsp;<strong>Sugerencia: <\/strong>En los planes con una <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>prima<\/span> mensual m&aacute;s baja se pagan costos m&aacute;s altos por recetas y atenci&oacute;n m&eacute;dica en el momento de recibir la atenci&oacute;n. <\/p>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"wp-bootstrap-blocks-grayrow\">\n\t<div class=\"grid\">\n\t\t<div class=\"row\">\n\t\t\t\n\n<div class=\"col-12 col-sm-12 col-md-8 col-lg-8 col-xl-8\">\n\t<div class=\"\">\n\t\t\n\n<h3 class=\"wp-block-heading\"><strong>Planificar puede ayudarle a ahorrar dinero<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:22px\"><img loading=\"lazy\" decoding=\"async\" width=\"36\" height=\"36\" class=\"wp-image-41964\" style=\"width: 36px;\" src=\"https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/08\/21141206\/Icon-Numbers-01.png\" alt=\"Icon Number 1\"\/>&nbsp;<strong>Considere tanto la <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>prima<\/span> mensual como el costo anual aproximado<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para encontrar el plan m&aacute;s econ&oacute;mico, resulta &uacute;til considerar no solo su <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>prima<\/span> mensual. Hay otras partes del plan que pueden afectar cu&aacute;nto paga por atenci&oacute;n m&eacute;dica durante el a&ntilde;o. Es posible que el plan con la <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>prima<\/span> m&aacute;s baja no sea el m&aacute;s econ&oacute;mico una vez que sume todos los otros costos que usted cubre.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nuestra herramienta Buscador r&aacute;pido de costos y planes le permite comparar tanto las <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>prima<\/span>s mensuales como los costos anuales aproximados sobre la base de la informaci&oacute;n que usted provee.<br><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"379\" src=\"https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/09\/20161647\/QCPF_YCE_Desktop_Spanish.jpg\" alt=\"QCPF_YCE_Desktop_Spanish\" class=\"wp-image-43257\" srcset=\"https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/09\/20161647\/QCPF_YCE_Desktop_Spanish.jpg 780w, https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/09\/20161647\/QCPF_YCE_Desktop_Spanish-750x364.jpg 750w, https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/09\/20161647\/QCPF_YCE_Desktop_Spanish-300x146.jpg 300w, https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/09\/20161647\/QCPF_YCE_Desktop_Spanish-768x373.jpg 768w, https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/09\/20161647\/QCPF_YCE_Desktop_Spanish-360x175.jpg 360w, https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/09\/20161647\/QCPF_YCE_Desktop_Spanish-286x139.jpg 286w, https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/09\/20161647\/QCPF_YCE_Desktop_Spanish-390x190.jpg 390w\" sizes=\"auto, (max-width: 780px) 100vw, 780px\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:22px\"><img loading=\"lazy\" decoding=\"async\" width=\"36\" height=\"36\" class=\"wp-image-41965\" style=\"width: 36px;\" src=\"https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/08\/21141230\/Icon-Numbers-02.png\" alt=\"Icon Number 2\"\/>&nbsp;<strong>Mant&eacute;ngase en la red<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seleccione un plan que incluya a su m&eacute;dico principal como &ldquo;<span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">dentro de la red<\/span>&rdquo; (cubierto) en la ubicaci&oacute;n que usted prefiera. Si acude a un m&eacute;dico o un centro de salud que est&eacute;n <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">fuera de la red<\/span>, es probable que se le cobre la factura completa, y esos costos no contar&aacute;n hacia su <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>deducible<\/span> o su l&iacute;mite de desembolso m&aacute;ximo.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"&iquest;Qu&eacute; es una red de proveedores?\" width=\"1778\" height=\"1000\" src=\"https:\/\/www.youtube.com\/embed\/ol0SSvYcYRY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:22px\"><img loading=\"lazy\" decoding=\"async\" width=\"36\" height=\"36\" class=\"wp-image-42324\" style=\"width: 36px;\" src=\"https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/08\/22094432\/Icon-Numbers-03.png\" alt=\"Icon Number 3\"\/>&nbsp;<strong>Considere los medicamentos gen&eacute;ricos<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pregunte a su m&eacute;dico principal si recomienda tomar la versi&oacute;n gen&eacute;rica de un medicamento que usted est&aacute; tomando. Los medicamentos gen&eacute;ricos cuestan menos y est&aacute;n cubiertos por un n&uacute;mero mayor de planes, lo que significa que usted tiene m&aacute;s opciones.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"green-announcement-banner twelve columns animated fadeIn fast\">\n        <p class=\"green-announcement-text\">\n            Use nuestra herramienta Buscador r&aacute;pido de costos y planes para comparar planes y precios; entre otras cosas, puede buscar planes que cubran a su m&eacute;dico principal y sus medicamentos.        <\/p>\n                <a class=\"c-button green_button-secondary  green_announcement_button\" href=\"https:\/\/prd.connectforhealthco.com\/EstimateAndExplorePortal\/landingOverview?lang=es\" target=\"_blank\">\n            Comparar planes        <\/a>\n<\/div>\n\n\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"col-12 col-sm-12 col-md-4 col-lg-4 col-xl-4\">\n\t<div class=\"\">\n\t\t\n\n<p class=\"wp-block-paragraph\"><img loading=\"lazy\" decoding=\"async\" width=\"36\" height=\"36\" class=\"wp-image-42264\" style=\"width: 36px;\" src=\"https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2019\/08\/19233220\/Icon-Broker.png\" alt=\"Broker Icon\"\/>&nbsp;<strong>&iquest;Desea conversar para repasar esta informaci&oacute;n y recibir asesoramiento?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uno de nuestros agentes certificados puede contestar preguntas y ayudarle a elegir un plan en funci&oacute;n de sus necesidades espec&iacute;ficas y su presupuesto. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Los agentes son expertos en los planes de salud, incluidos los dise&ntilde;ados para afecciones m&eacute;dicas espec&iacute;ficas. Pueden ayudarle a evaluar si un plan con una <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>prima<\/span> m&aacute;s alta que incluye costos m&aacute;s bajos de los servicios de salud es apropiado para usted.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/app.bigwavesystems.com\/lp\/D5F6618C-485B-4862-8ADE-9CC04218502F?lang=es\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Busque un agente &raquo;<\/a><\/p>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\t\n<\/div>\n\n\n<div class=\"wp-bootstrap-blocks-grayrow\">\n\t<div class=\"grid\">\n\t\t<div class=\"row\">\n\t\t\t\n\n<div class=\"col-12 col-md-6\">\n\t<div class=\"\">\n\t\t\n<div class=\"shared-counts-wrap shortcode style-icon\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/connectforhealthco.com\/es\/recursos\/introduccion-al-seguro-de-salud\/explicacion-de-los-costos-del-seguro\/&amp;display=popup&amp;ref=plugin&amp;src=share_button\" title=\"Share on Facebook\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"shared-counts-button facebook shared-counts-no-count\" data-postid=\"42286\" data-social-network=\"Facebook\" data-social-action=\"Share\" data-social-target=\"https:\/\/connectforhealthco.com\/es\/recursos\/introduccion-al-seguro-de-salud\/explicacion-de-los-costos-del-seguro\/\"><span class=\"shared-counts-icon-label\"><span class=\"shared-counts-icon\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18.8125\" height=\"32\" viewbox=\"0 0 602 1024\"><path d=\"M548 6.857v150.857h-89.714q-49.143 0-66.286 20.571t-17.143 61.714v108h167.429l-22.286 169.143h-145.143v433.714h-174.857v-433.714h-145.714v-169.143h145.714v-124.571q0-106.286 59.429-164.857t158.286-58.571q84 0 130.286 6.857z\"><\/path><\/svg><\/span><span class=\"shared-counts-label\">Facebook<\/span><\/span><\/a><a href=\"https:\/\/twitter.com\/share?url=https:\/\/connectforhealthco.com\/es\/recursos\/introduccion-al-seguro-de-salud\/explicacion-de-los-costos-del-seguro\/&amp;text=Explicaci%C3%B3n%20de%20los%20costos%20del%20seguro\" title=\"Share on Twitter\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"shared-counts-button twitter shared-counts-no-count\" data-postid=\"42286\" data-social-network=\"Twitter\" data-social-action=\"Tweet\" data-social-target=\"https:\/\/connectforhealthco.com\/es\/recursos\/introduccion-al-seguro-de-salud\/explicacion-de-los-costos-del-seguro\/\"><span class=\"shared-counts-icon-label\"><span class=\"shared-counts-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M13.8944 10.4695L21.3345 2H19.5716L13.1085 9.35244L7.95022 2H1.99936L9.80147 13.1192L1.99936 22H3.76218L10.5832 14.2338L16.0318 22H21.9827L13.8944 10.4695ZM11.4792 13.2168L10.6875 12.1089L4.39789 3.30146H7.10594L12.1833 10.412L12.9717 11.5199L19.5708 20.7619H16.8628L11.4792 13.2168Z\"><\/path><\/svg><\/span><span class=\"shared-counts-label\">Tweet<\/span><\/span><\/a><\/div>\n\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"col-12 col-md-6\">\n\t<div class=\"\">\n\t\t\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\t\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":36,"featured_media":0,"parent":42246,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/child-page-one.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-42286","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Explicaci\u00f3n de los costos del seguro &#8226; 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