{"id":2812,"date":"2022-06-13T15:26:22","date_gmt":"2022-06-13T18:26:22","guid":{"rendered":"https:\/\/www.fsfx.com.br\/usisaude\/?page_id=2812"},"modified":"2022-08-10T10:51:44","modified_gmt":"2022-08-10T13:51:44","slug":"duvidas-frequentes","status":"publish","type":"page","link":"https:\/\/www.fsfx.com.br\/usisaude\/duvidas-frequentes\/","title":{"rendered":"D\u00favidas frequentes"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2812\" class=\"elementor elementor-2812\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7cb362 e-flex e-con-boxed e-con e-parent\" data-id=\"c7cb362\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d680c10 elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"d680c10\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">FAQ<\/h3><p class=\"elementor-image-box-description\">D\u00favidas frequentes<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa0ebfd elementor-widget elementor-widget-accordion\" data-id=\"fa0ebfd\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2621\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2621\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">O que \u00e9 abrang\u00eancia geogr\u00e1fica?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2621\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2621\"><p>Abrang\u00eancia geogr\u00e1fica s\u00e3o os <strong>munic\u00edpios expressamente identificados no plano contratado<\/strong>, onde os benefici\u00e1rios do plano ter\u00e3o direito \u00e0 assist\u00eancia m\u00e9dica na \u00e1rea e regi\u00e3o em que a operadora do plano de sa\u00fade se compromete a garantir todas as coberturas contratadas de assist\u00eancia \u00e0 sa\u00fade.<\/p><p>Dentro destas abrang\u00eancias, a operadora possui sua \u00e1rea de atua\u00e7\u00e3o, que especifica os munic\u00edpios em que a comercializa\u00e7\u00e3o de seus planos acontece.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2622\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2622\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Como funciona a car\u00eancia dos planos?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2622\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2622\"><p>A princ\u00edpio, a car\u00eancia \u00e9 um per\u00edodo pr\u00e9-estabelecido, em contrato firmado entre operadora e contratante, a ser cumprido pelo benefici\u00e1rio, para ter direito \u00e0s coberturas previstas no plano contratado.<\/p><p>No caso dos <strong>planos de contrata\u00e7\u00e3o individual ou contrata\u00e7\u00e3o coletiva em empresas com at\u00e9 29 vidas<\/strong>, pode haver a exig\u00eancia do cumprimento dos prazos de car\u00eancia, respeitados os limites impostos pela lei:<\/p><p><strong>&#8211; 24h para urg\u00eancia\/emerg\u00eancia;<\/strong><\/p><p><strong>&#8211; At\u00e9 120 dias para cirurgias ambulatoriais;<\/strong><\/p><p><strong>&#8211; At\u00e9 180 dias para demais procedimentos;<\/strong><\/p><p><strong>&#8211; At\u00e9 300 dias para parto a termo.<\/strong><\/p><p>Em casos de <strong>contrata\u00e7\u00f5es coletivas, em empresas com 30 ou mais colaboradores<\/strong>, n\u00e3o ser\u00e1 necess\u00e1ria a exig\u00eancia do cumprimento do prazo de car\u00eancia, desde que o(s) benefici\u00e1rio(s) formalize(m) o pedido do ingresso no plano em at\u00e9 30 dias do fechamento do contrato coletivo ou de sua vincula\u00e7\u00e3o \u00e0 empresa contratante.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2623\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2623\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Qual a diferen\u00e7a entre car\u00eancia e cobertura parcial tempor\u00e1ria (CPT)?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2623\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2623\"><p>Nos dois casos, apresentam-se per\u00edodos em que o benefici\u00e1rio n\u00e3o possui direito de utiliza\u00e7\u00e3o a uma parte da cobertura do plano de sa\u00fade contratado.<\/p><p>O <strong>per\u00edodo de car\u00eancia<\/strong> \u00e9 o per\u00edodo entre a contrata\u00e7\u00e3o do plano de sa\u00fade e a libera\u00e7\u00e3o de uso da cobertura completa \u2014 procedimentos mais complexos (e mais caros). Esse per\u00edodo \u00e9 regulado pela <em>Ag\u00eancia Nacional de Sa\u00fade (ANS)<\/em>.<\/p><ul><li><strong> Casos de urg\u00eancia e emerg\u00eancia: 24 horas;<\/strong><\/li><li><strong> Doen\u00e7as e les\u00f5es preexistentes: 24 meses;<\/strong><\/li><li><strong> Demais situa\u00e7\u00f5es: 180 dias.<\/strong><\/li><\/ul><p>A <strong>Cobertura Parcial Tempor\u00e1ria (CPT)<\/strong>, de acordo com a <em>ANS<\/em>, diz respeito a situa\u00e7\u00f5es como, na data de contrata\u00e7\u00e3o do plano, o contratante possui uma DLP <strong>(doen\u00e7as ou complica\u00e7\u00f5es de sa\u00fade que o benefici\u00e1rio j\u00e1 tinha conhecimento pr\u00e9vio no momento da assinatura de um conv\u00eanio<\/strong>).<\/p><p>A partir disso, <em>a operadora pode fazer uma restri\u00e7\u00e3o<\/em> na cobertura do plano. Essa restri\u00e7\u00e3o pode durar, <u>no m\u00e1ximo<\/u>, 24 meses a partir da data de assinatura do contrato, e s\u00f3 podem abranger cirurgias, leitos de alta tecnologia e procedimentos de alta complexidade, ligados \u00e0 doen\u00e7a ou les\u00e3o preexistente.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2624\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2624\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">O que a Usisa\u00fade cobre?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2624\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2624\"><p><strong>A cobertura abrange todo o rol de procedimentos da ANS<\/strong> que \u00e9 disponibilizado em uma listagem m\u00ednima e obrigat\u00f3ria de procedimentos (consultas, exames e cirurgias) que os planos de sa\u00fade devem oferecer, regulamentada pela ANS.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2625\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2625\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Quais s\u00e3o os procedimentos de alta complexidade (PAC)?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2625\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2625\"><p>De acordo com a ANS, existem in\u00fameros procedimentos que se adequam a essa categoria. Os exemplos mais comuns de PAC s\u00e3o: <em>a tomografia computadorizada, a resson\u00e2ncia magn\u00e9tica, a hemodi\u00e1lise, a quimioterapia e o cateterismo card\u00edaco<\/em>.<\/p><p>No site da ANS \u00e9 poss\u00edvel acessar a lista completa desses procedimentos.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2626\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2626\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">O que \u00e9 exclus\u00e3o de cobertura?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2626\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2626\"><p>Esse termo <em>refere-se a todos os eventos e despesas decorrentes de atendimentos, servi\u00e7os ou procedimentos que n\u00e3o estejam descritos<\/em>, na data do evento, expressamente em conformidade no rol de procedimentos e eventos em sa\u00fade da ANS.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2627\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2627\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Como funciona a coparticipa\u00e7\u00e3o?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2627\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2627\"><p>A coparticipa\u00e7\u00e3o \u00e9 a <strong>participa\u00e7\u00e3o parcial financeira do benefici\u00e1rio no valor dos procedimentos realizados em maternidades, prontos-socorros, hospitais, centros cl\u00ednicos e laborat\u00f3rios.<\/strong><\/p><p>Os valores e percentuais de coparticipa\u00e7\u00e3o ser\u00e3o sempre <em>pr\u00e9-definidos em contrato<\/em> de forma clara e transparente.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2628\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-2628\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Quais s\u00e3o os tipos de acomoda\u00e7\u00e3o hospitalar?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2628\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-2628\"><p>Atualmente, existem dois tipos de acomoda\u00e7\u00e3o hospitalar: <strong>a coletiva e a individual<\/strong>.<\/p><p>&#8211; A <em>coletiva<\/em> \u00e9 a acomoda\u00e7\u00e3o hospitalar em <strong>enfermarias<\/strong>, com quartos n\u00e3o privativos com at\u00e9 tr\u00eas leitos.<\/p><p>&#8211; A <em>individual <\/em>\u00e9 a acomoda\u00e7\u00e3o hospitalar em <strong>apartamento<\/strong>, com quarto privativo.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2629\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-2629\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">O que \u00e9 rede assistencial?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2629\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-2629\"><p>A rede assistencial \u00e9 a <em>rela\u00e7\u00e3o dos servi\u00e7os de m\u00e9dicos, laboratoriais e hospitalares que prestam atendimento aos benefici\u00e1rios<\/em>, de acordo com o plano contratado.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26210\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-26210\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">O que \u00e9 reajuste e como \u00e9 feito?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-26210\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-26210\"><p>O reajuste \u00e9 a <strong>atualiza\u00e7\u00e3o dos valores das mensalidades dos planos frente \u00e0 varia\u00e7\u00e3o dos custos dos insumos<\/strong> (materiais, medicamentos e procedimentos m\u00e9dicos). Ele \u00e9 feito da seguinte maneira:<\/p><p>&#8211; Os <em>planos individuais ou familiares<\/em> precisam de autoriza\u00e7\u00e3o pr\u00e9via da ANS para aplica\u00e7\u00e3o de reajuste anual. Estes s\u00e3o feitos seguindo os percentuais estabelecidos pela pr\u00f3pria Ag\u00eancia.<\/p><p>&#8211; Os <em>planos coletivos<\/em> n\u00e3o precisam de autoriza\u00e7\u00e3o pr\u00e9via da ANS para aplica\u00e7\u00e3o de reajuste; assim, nos reajustes aplicados \u00e0s mensalidades dos contratos coletivos, prevalecer\u00e1 o disposto no contrato ou \u00edndice resultante de negocia\u00e7\u00e3o entre as partes contratantes (operadora de plano de sa\u00fade e pessoa jur\u00eddica), devendo a operadora, obrigatoriamente, comunicar os reajustes \u00e0 ANS.<\/p><p>Nesses casos, <strong>o reajuste nunca poder\u00e1 ser realizado em per\u00edodos inferiores a 12 meses de contrata\u00e7\u00e3o<\/strong> \u2013 que ser\u00e3o contados da celebra\u00e7\u00e3o do contrato ou do \u00faltimo reajuste aplicado e n\u00e3o do ingresso do consumidor ao plano.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26211\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-26211\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Quais s\u00e3o os tipos de planos comercializados?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-26211\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-26211\"><p>Existem dois tipos de plano: o individual e o empresarial:<\/p><ol><li>Plano de sa\u00fade individual: plano que possui como p\u00fablico alvo pessoas f\u00edsicas em geral. Ou seja, nessa modalidade, os conv\u00eanios m\u00e9dicos e hospitalares podem ser contratados com o CPF.<\/li><li>Plano privado de assist\u00eancia \u00e0 sa\u00fade individual ou familiar \u00e9 aquele que oferece cobertura da aten\u00e7\u00e3o prestada para a livre ades\u00e3o de benefici\u00e1rios, pessoas naturais, com ou sem grupo familiar.<\/li><li>Plano de sa\u00fade empresarial: contrata\u00e7\u00e3o na qual \u00e9 necess\u00e1rio possuir um CNPJ (Cadastro Nacional da Pessoa Jur\u00eddica) e preencher o requisito m\u00ednimo de 2 vidas atreladas ao plano. Se voc\u00ea possui um MEI (Microempreendedor Individual), tamb\u00e9m se encaixa nessa categoria.<\/li><\/ol><p>4.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Plano privado de assist\u00eancia \u00e0 sa\u00fade coletivo empresarial \u00e9 aquele que oferece cobertura da aten\u00e7\u00e3o prestada \u00e0 popula\u00e7\u00e3o delimitada e vinculada \u00e0 pessoa jur\u00eddica por rela\u00e7\u00e3o empregat\u00edcia ou estatut\u00e1ria.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26212\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-26212\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">O que \u00e9 reembolso de despesas?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-26212\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-26212\"><p>O reembolso acontece quando o benefici\u00e1rio precisa arcar com algum tipo de despesa m\u00e9dica para um servi\u00e7o previsto no rol de procedimentos da ANS, mas, por alguma raz\u00e3o, n\u00e3o est\u00e1 dispon\u00edvel naquele momento em sua localidade. Nesses casos, dependendo da situa\u00e7\u00e3o,<em> a operadora deve restituir uma parte ou 100% do valor pago.<\/em><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>FAQ D\u00favidas frequentes O que \u00e9 abrang\u00eancia geogr\u00e1fica? Abrang\u00eancia geogr\u00e1fica s\u00e3o os munic\u00edpios expressamente identificados no plano contratado, onde os benefici\u00e1rios do plano ter\u00e3o direito \u00e0 assist\u00eancia m\u00e9dica na \u00e1rea e regi\u00e3o em que a operadora do plano de sa\u00fade se compromete a garantir todas as coberturas contratadas de assist\u00eancia \u00e0 sa\u00fade. Dentro destas abrang\u00eancias, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-2812","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>D\u00favidas frequentes - Usisa\u00fade<\/title>\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.fsfx.com.br\/usisaude\/duvidas-frequentes\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u00favidas frequentes - Usisa\u00fade\" \/>\n<meta property=\"og:description\" content=\"FAQ D\u00favidas frequentes O que \u00e9 abrang\u00eancia geogr\u00e1fica? 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