{"id":14576,"date":"2024-10-07T16:02:21","date_gmt":"2024-10-07T20:02:21","guid":{"rendered":"https:\/\/manhattancardiology.com\/?p=14576"},"modified":"2026-07-27T00:51:03","modified_gmt":"2026-07-27T04:51:03","slug":"have-you-met-your-deductible","status":"publish","type":"post","link":"https:\/\/manhattancardiology.com\/es\/blog\/have-you-met-your-deductible\/","title":{"rendered":"\u00bfHas encontrado tu deducci\u00f3n?"},"content":{"rendered":"<p><strong>Tu salud es importante, pero somos conscientes de la necesidad de equilibrar la comprensi\u00f3n de los costos de la atenci\u00f3n m\u00e9dica con su impacto en la capacidad de los pacientes para acceder a los servicios necesarios.<\/strong> El elemento m\u00e1s cr\u00edtico en el manejo de los gastos de salud tiene que ver con comprender su gasto deducible anual. <a href=\"https:\/\/manhattancardiology.com\/es\/billing-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">seguro<\/a> y planear una manera de cubrir los gastos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 es un deducible?<\/h2>\n\n\n\n<p>El monto deducible es el monto que usted debe pagar con sus propios fondos antes de que su seguro m\u00e9dico entre en acci\u00f3n y cubra una parte mayor de sus gastos m\u00e9dicos. Si su monto deducible es, por ejemplo, $1.500 d\u00f3lares, ese monto debe ser pagado antes de que su aseguradora comience a pagar por los servicios, excepto en los casos en que los servicios puedan estar cubiertos sin necesidad de cumplir con un monto deducible, como en el caso de la atenci\u00f3n preventiva. Esta informaci\u00f3n es importante para comprenderla al tratar de administrar los costos de atenci\u00f3n m\u00e9dica.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Programar tus visitas m\u00e9dicas<\/h2>\n\n\n\n<p>Otra variable importante es la periodicidad de las visitas m\u00e9dicas en relaci\u00f3n con el l\u00edmite de gastos. Si has cumplido con el l\u00edmite de gastos a principios de a\u00f1o debido a una intervenci\u00f3n importante o porque tienes la costumbre de acudir al m\u00e9dico con frecuencia por una enfermedad cr\u00f3nica, entonces los gastos que deber\u00e1s asumir por tratamientos, pruebas y visitas adicionales ser\u00e1n mucho menores. Si no tienes l\u00edmite de gastos, tendr\u00e1s que asumir t\u00fa mismo la mayor parte de los costos de las visitas y pruebas rutinarias.<\/p>\n\n\n\n<p>Muchas personas con problemas cardiovasculares necesitan hacerse chequeos con cierta frecuencia. Por lo tanto, si ya ha alcanzado su l\u00edmite de cobertura, podr\u00eda ser una buena idea programar procedimientos no urgentes para m\u00e1s adelante en el a\u00f1o. Por supuesto, si lo hace al principio del a\u00f1o y sabe que visitar\u00e1 a muchos m\u00e9dicos durante el a\u00f1o, planificar cumplir con su l\u00edmite de cobertura puede hacer que las cosas resulten mucho m\u00e1s f\u00e1ciles para su billetera m\u00e1s adelante en el a\u00f1o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Utilizaci\u00f3n de servicios preventivos<\/h2>\n\n\n\n<p>La mayor\u00eda de los planes de seguro cubren los servicios preventivos incluso antes de que llegue el l\u00edmite de su seguro, y abarcan desde visitas anuales de salud, an\u00e1lisis de presi\u00f3n arterial y ex\u00e1menes de colesterol. Estos son bastante esenciales para cualquier paciente que tenga riesgo de sufrir enfermedades cardiovasculares. Estos servicios preventivos ayudan a evitar problemas de salud m\u00e1s graves y costosos m\u00e1s adelante en la vida. Esto puede retrasar o reducir la necesidad de tratamientos m\u00e1s extensos que podr\u00edan aumentar los gastos de bolsillo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Planificar la salud<\/h2>\n\n\n\n<p>Asegurarse de cumplir con el l\u00edmite de gastos puede parecer una tarea desalentadora, pero planificarla puede aliviar algunos factores de estr\u00e9s financiero. Hable con su profesional de la salud para conocer cualquier prueba o procedimiento que pueda realizarse en un futuro cercano, de modo que est\u00e9 preparado para lo que se le exigir\u00e1 financieramente. Puede facilitarlo al reservar dinero durante todo el a\u00f1o con una cuenta de ahorro para la salud o una cuenta de gastos flexibles.<\/p>\n\n\n\n<p>Esto te ayudar\u00e1 a planificar, teniendo en cuenta el monto del seguro m\u00e9dico que no solo te ayudar\u00e1 a cuidar tu salud cardiovascular, sino tambi\u00e9n a mantenerte financieramente estable.<\/p>","protected":false},"excerpt":{"rendered":"<p> The most critical element in dealing with healthcare expenses has to do with understanding your annual deductible<\/p>","protected":false},"author":8,"featured_media":14579,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[125],"tags":[501,502,503],"class_list":["post-14576","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-deductible","tag-insurance","tag-billing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Have You Met Your Deductible? 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