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Informacion de Seguros de Salud en Miami

Precios de seguros medicos en Miami

PLANES MEDICOS EN MIAMI

Obtenga una cotizacion Gratis Ahora

 

Companias que ofrecen PPO en Miami

Blue Cross Blue Shield of Florida, FLORIDABLUE

Avmed Health Plan

– Aetna

Cigna

United Health Plan

Companias que ofrecen seguros medicos HMO en Miami

Coventry Health Plan

Preferred Medical Plan

– Medica Health Plan

Los seguros medicos en el condado de Miami-Dade son mas caros que en cualquier otra parte de la Florida. Por eso es importante adquirir el seguro correcto. La informacion que le ofrecermos en esta pagina les ayudara a obtener una cobertura medica que se ajuste a sus necesidades y costos.

Primero que debe de conocer que hay mucha informacion sobre seguros de salud en el internet que usted puede obtener completamente gratis donde puede conocer mucho mas sobre terminos y definiciones de seguros medicos.

Segundo, no importa de donde reciba la informacion, debe saber si la compania que usted esta adquiriendo le ofrece los beneficios que se ajusten a sus necesidades. El precio es importante pero lo que adquiere de servicios con el seguro obtenido debe ser suficiente para cubrir sus necesidades primarias de salud y una buena cobertura de hospitalizacion. Por eso es importante que usted compare varias companias  a la vez asi conocera los beneficios en detalles antes de decidirse por la mejor aseguranza.

Categorias de Seguros Medicos en Miami-Dade Florida

Existen varios tipos de seguros medicos pero solo hablaremos de los mas populares. Los seguros Medicos HMO y los seguros Medicos PPO.

Que significan las siglas HMO y PPO ?

PPO – Organizacion de Proveedores Preferidos

HMO – Organizacion para el Mantenimiento de la Salud

Sabemos que todos han escuchado sobre ellos. Lo importante es los detalles  que ofrece cada cobertura, por ejemplo:

Los HMO

– Una buena cobertura medica HMO le ofrecera los laboratorios, diagnosticos, mamografias, papanicolaus, colonoscopias, urgencias, emergencias y cirugias ambulatorias por solo un copago este tipo de beneficios es muy importante ya que le ahorrara dinero al asegurado.

– Los deducibles en un hmo solo se aplican cuando el asegurado es admitido al hospital.

– Los nuevos open access plan le ofrecen a los asegurados visitas a especialistas sin referidos haciendo el plan muy competitivo.

– Todos los hmo ofrecen plan de medicinas dentro de su cobertura.

– Algunos de seguros hmo ofrecen dental y vision

Los PPO

– El seguro PPO le ofrecera cobertura dentro y fuera de la red de doctores dandole mas flexibilidad al asegurado.

– Los ppo tienen deducibles y coaseguros, aplican para los servicios obtenidos por el asegurado como dianosticos emergencias y mas.

– Los seguros medicos ppo son mas caros que los hmo.

Los dos tipos de seguros medicos gracias a la Reforma de Salud no tienen limites para la Hospitalizacion. Los deducibles de los seguros medicos fueron creados para minimizar los altos costos de las primas mensuales, le dan la posibilidad al asegurado a acomodar los pagos mensuales dependiendo de su necesidad. Ambos tipos de seguros ofrecen maternidad despues de un periodo de espera que varia de compania a compania.

Cuando comprendemos los detalles que involucran cada tipo de coberturas nos da la oportunidad de adquirir el seguro medico en miami correcto

Mis conclusiones sobre los seguros medicos en Miami desde el punto de vista como agente, no hay seguros medicos buenos ni malos los mas que usted aprenda sobre como funcionan mas oportunidad tendra de ahorrarse en su cobertura medica. Obtenga ayuda de un profesional es completamente gratis y conoce el mercado. Es la proteccion de de su familia no lo tome a la ligera.

Filed bajo:  seguros medicos en miami

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