{"id":47,"date":"2022-07-03T17:50:39","date_gmt":"2022-07-03T19:50:39","guid":{"rendered":"https:\/\/www.tbssaude.com.br\/?page_id=47"},"modified":"2023-09-27T16:00:41","modified_gmt":"2023-09-27T18:00:41","slug":"faq","status":"publish","type":"page","link":"https:\/\/www.tbssaude.com.br\/?page_id=47","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"47\" class=\"elementor elementor-47\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-670f6ea elementor-section-height-min-height elementor-section-content-bottom elementor-section-items-bottom elementor-section-boxed elementor-section-height-default\" data-id=\"670f6ea\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7be6127\" data-id=\"7be6127\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0d78402 elementor-section-height-min-height elementor-section-content-bottom elementor-section-boxed elementor-section-height-default\" data-id=\"0d78402\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-8fdf2ff\" data-id=\"8fdf2ff\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2b37575 elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"2b37575\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.12.1 - 02-04-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Perguntas <br>Frequentes<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfbd08f elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"dfbd08f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.12.1 - 02-04-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"865\" height=\"489\" src=\"https:\/\/www.tbssaude.com.br\/wp-content\/uploads\/2022\/09\/header6.png\" class=\"attachment-full size-full wp-image-976\" alt=\"\" srcset=\"https:\/\/www.tbssaude.com.br\/wp-content\/uploads\/2022\/09\/header6.png 865w, https:\/\/www.tbssaude.com.br\/wp-content\/uploads\/2022\/09\/header6-300x170.png 300w, https:\/\/www.tbssaude.com.br\/wp-content\/uploads\/2022\/09\/header6-768x434.png 768w\" sizes=\"auto, (max-width: 865px) 100vw, 865px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1954032 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1954032\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1af8bef\" data-id=\"1af8bef\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-515246a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"515246a\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-08ccb48\" data-id=\"08ccb48\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72b7a05 elementor-widget elementor-widget-heading\" data-id=\"72b7a05\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Administradora de Benef\u00edcios<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-658c763 elementor-widget elementor-widget-jet-accordion\" data-id=\"658c763\" data-element_type=\"widget\" data-widget_type=\"jet-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-accordion\" data-settings=\"{&quot;collapsible&quot;:false,&quot;ajaxTemplate&quot;:false,&quot;switchScrolling&quot;:false,&quot;switchScrollingOffset&quot;:0}\" role=\"tablist\">\n\t\t\t<div class=\"jet-accordion__inner\">\n\t\t\t\t<div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1061\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1061\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"fas fa-caret-down\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"fas fa-caret-up\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">1 - Administradora de Benef\u00edcios?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1061\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"tabpanel\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p><b>O que \u00e9 uma Administradora de Benef\u00edcios?<\/b><\/p><p><span style=\"font-weight: 400;\">A Administradora de Benef\u00edcios \u00e9 uma pessoa jur\u00eddica, devidamente regulada pela Ag\u00eancia Nacional de Sa\u00fade Suplementar (ANS), que atua como estipulante ou prestadora de servi\u00e7o de empresas, \u00f3rg\u00e3os p\u00fablicos ou entidades representativas que desejam contratar um plano de sa\u00fade coletivo, auxiliando-os a proporcionar acesso \u00e0 sa\u00fade \u00e0 popula\u00e7\u00e3o a eles vinculada.<\/span><\/p><p><span style=\"font-weight: 400;\">Por serem especializadas em planos de sa\u00fade coletivos, as Administradoras de Benef\u00edcios ampliam ainda mais o poder de negocia\u00e7\u00e3o desses contratantes, na medida em que eles passam a ter maior compreens\u00e3o sobre os direitos garantidos pela legisla\u00e7\u00e3o que rege o setor, al\u00e9m de poderem contar com o suporte log\u00edstico e a infraestrutura de servi\u00e7os que elas oferecem.<\/span><\/p><p><b>\u00a0<\/b><\/p><p><b>O que faz uma Administradora de Benef\u00edcios?<\/b><\/p><p><span style=\"font-weight: 400;\">As Administradoras de Benef\u00edcios desenvolvem diversas atividades, tais como:<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; avaliar o perfil dos associados da entidade representativa ou dos funcion\u00e1rios da empresa, identificar o plano mais adequado e sugerir modelo de gest\u00e3o;<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; prestar informa\u00e7\u00f5es acerca dos direitos previstos na legisla\u00e7\u00e3o de sa\u00fade suplementar para consumidores de planos de sa\u00fade coletivos;<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; verificar os crit\u00e9rios de elegibilidade definidos pela empresa ou entidade representativa;<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; apoiar a \u00e1rea de recursos humanos na gest\u00e3o de benef\u00edcios do plano;<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; definir com a empresa ou entidade representativa qual a rede de servi\u00e7os de sa\u00fade e a \u00e1rea geogr\u00e1fica de interesse;<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; controlar prazos de aceita\u00e7\u00e3o, devolu\u00e7\u00e3o e reapresenta\u00e7\u00e3o de propostas;<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; receber as propostas de ades\u00e3o;<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; realizar a an\u00e1lise administrativa e documental das propostas;<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; realizar a movimenta\u00e7\u00e3o cadastral: inclus\u00f5es, altera\u00e7\u00f5es e exclus\u00f5es, de acordo com as regras previstas na legisla\u00e7\u00e3o e no contrato;<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; prestar suporte na emiss\u00e3o de boletos e no controle de pagamento das mensalidades;<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; fazer a gest\u00e3o dos arquivos f\u00edsicos e eletr\u00f4nicos das propostas e da documenta\u00e7\u00e3o da movimenta\u00e7\u00e3o cadastral;<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; manter estrutura de ouvidoria e atendimento ao consumidor de plano de sa\u00fade coletivo;<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; entregar o cart\u00e3o de identifica\u00e7\u00e3o do plano, o Manual de Orienta\u00e7\u00e3o para Contrata\u00e7\u00e3o de Plano de Sa\u00fade, o Guia de Leitura Contratual e a lista da rede de servi\u00e7os de sa\u00fade.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2b1b4bf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2b1b4bf\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-39bde3a\" data-id=\"39bde3a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2686fe6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2686fe6\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-9642671\" data-id=\"9642671\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e5c828a elementor-widget elementor-widget-heading\" data-id=\"e5c828a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Planos Coletivos por Ades\u00e3o<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-25783ea elementor-widget elementor-widget-jet-accordion\" data-id=\"25783ea\" data-element_type=\"widget\" data-widget_type=\"jet-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-accordion\" data-settings=\"{&quot;collapsible&quot;:false,&quot;ajaxTemplate&quot;:false,&quot;switchScrolling&quot;:false,&quot;switchScrollingOffset&quot;:0}\" role=\"tablist\">\n\t\t\t<div class=\"jet-accordion__inner\">\n\t\t\t\t<div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-3921\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"jet-toggle-content-3921\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"fas fa-caret-down\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"fas fa-caret-up\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">1. O que \u00e9 um Plano Coletivo por Ades\u00e3o?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-3921\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"tabpanel\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p><span style=\"font-weight: 400;\">\u00c9 aquele contratado por uma associa\u00e7\u00e3o, conselho ou sindicato para oferecer assist\u00eancia m\u00e9dica e odontol\u00f3gica \u00e0s pessoas vinculadas a estas entidades e aos seus dependentes<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-3922\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" role=\"tab\" tabindex=\"0\" aria-controls=\"jet-toggle-content-3922\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"fas fa-caret-down\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"fas fa-caret-up\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">2. Quem pode aderir?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-3922\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"tabpanel\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p><span style=\"font-weight: 400;\">Quem possui v\u00ednculo com uma entidade profissional, classista ou setorial \u2013 o que necessariamente deve ser comprovado por meio de documenta\u00e7\u00e3o espec\u00edfica de acordo com os requisitos definidos por cada entidade.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-3923\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" role=\"tab\" tabindex=\"0\" aria-controls=\"jet-toggle-content-3923\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"fas fa-caret-down\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"fas fa-caret-up\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">3. Qual \u00e9 a diferen\u00e7a entre plano por ades\u00e3o, plano empresarial e plano individual?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-3923\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"tabpanel\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p><span style=\"font-weight: 400;\">A principal caracter\u00edstica dos planos coletivos por ades\u00e3o \u00e9 que, uma vez estabelecidos, nem todos os membros do grupo s\u00e3o obrigados a contrat\u00e1-lo. Se voc\u00ea faz parte de uma categoria que oferece esse plano, voc\u00ea tem a op\u00e7\u00e3o de aderir a ele ou n\u00e3o, levando em conta seu pre\u00e7o e os benef\u00edcios obtidos.<\/span><\/p><p><span style=\"font-weight: 400;\">Planos empresariais, por outro lado, s\u00e3o oferecidos pela pr\u00f3pria empresa a todos os seus funcion\u00e1rios ou apenas para um determinado grupo. Um plano individual \u00e9 contratado separadamente pelo profissional, sendo um benef\u00edcio particular.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-23c1da6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"23c1da6\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0f0d373\" data-id=\"0f0d373\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a9635f0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a9635f0\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5c4979f\" data-id=\"5c4979f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-837b4ae elementor-widget elementor-widget-heading\" data-id=\"837b4ae\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Planos para Pessoas F\u00edsicas<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-20e5c9f elementor-widget elementor-widget-jet-accordion\" data-id=\"20e5c9f\" data-element_type=\"widget\" data-widget_type=\"jet-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-accordion\" data-settings=\"{&quot;collapsible&quot;:false,&quot;ajaxTemplate&quot;:false,&quot;switchScrolling&quot;:false,&quot;switchScrollingOffset&quot;:0}\" role=\"tablist\">\n\t\t\t<div class=\"jet-accordion__inner\">\n\t\t\t\t<div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-3441\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"jet-toggle-content-3441\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"fas fa-caret-down\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"fas fa-caret-up\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">1. O que s\u00e3o os Planos de Sa\u00fade pessoa f\u00edsica?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-3441\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"tabpanel\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p><span style=\"font-weight: 400;\">O Plano de Sa\u00fade Pessoa F\u00edsica \u00e9 um modelo de contrata\u00e7\u00e3o atrav\u00e9s do CPF junto a uma operadora de sa\u00fade. Inclui titulares e seus dependentes. Pode ser contratado no formato com ou sem coparticipa\u00e7\u00e3o, acomoda\u00e7\u00e3o coletiva ou apartamento, abrang\u00eancia local, regional ou at\u00e9 mesmo Nacional.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-3442\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" role=\"tab\" tabindex=\"0\" aria-controls=\"jet-toggle-content-3442\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"fas fa-caret-down\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"fas fa-caret-up\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">2. Como funciona o reajuste dos planos de sa\u00fade pessoa f\u00edsica?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-3442\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"tabpanel\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p><span style=\"font-weight: 400;\">Todos os anos, por volta de junho, a Ag\u00eancia Nacional de Sa\u00fade Suplementar (ANS) divulga o \u00edndice m\u00e1ximo de reajuste anual de planos de sa\u00fade individuais e familiares \u2013 aqueles contratados diretamente por pessoas f\u00edsicas.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-3443\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" role=\"tab\" tabindex=\"0\" aria-controls=\"jet-toggle-content-3443\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"fas fa-caret-down\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"fas fa-caret-up\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">3. Como escolher o melhor conv\u00eanio m\u00e9dico pessoa f\u00edsica?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-3443\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"tabpanel\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p><span style=\"font-weight: 400;\">Vamos conhecer algumas dicas importantes:<\/span><\/p><p><span style=\"font-weight: 400;\">Ao escolher o seu plano de sa\u00fade, \u00e9 preciso que voc\u00ea tenha aten\u00e7\u00e3o a diversos fatores.<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; A operadora possui registro na ANS? Apenas as empresas registradas podem comercializar planos de sa\u00fade;<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; Coberturas oferecidas pelo plano;<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; \u00c1rea de abrang\u00eancia (cidade, estado, Pa\u00eds);<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; Rede credenciada (hospitais e consult\u00f3rios dispon\u00edveis para atendimentos);<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; Se existe necessidade de libera\u00e7\u00e3o de procedimentos;<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; Reembolso (algumas operadoras permitem que o usu\u00e1rio realize seu atendimento fora da rede credenciada, e depois fazem o reembolso do que foi gasto), mas importante lembrar que o reembolso \u00e9 limitado conforme pol\u00edtica de cada empresa e do tipo de plano contratado;<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bfa8d34 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bfa8d34\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e5ec70\" data-id=\"1e5ec70\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6a28299 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6a28299\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7316c80\" data-id=\"7316c80\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-801a833 elementor-widget elementor-widget-heading\" data-id=\"801a833\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Planos para Pessoas Jur\u00eddicas<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-9738b6c elementor-widget elementor-widget-jet-accordion\" data-id=\"9738b6c\" data-element_type=\"widget\" data-widget_type=\"jet-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-accordion\" data-settings=\"{&quot;collapsible&quot;:false,&quot;ajaxTemplate&quot;:false,&quot;switchScrolling&quot;:false,&quot;switchScrollingOffset&quot;:0}\" role=\"tablist\">\n\t\t\t<div class=\"jet-accordion__inner\">\n\t\t\t\t<div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1581\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1581\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"fas fa-caret-down\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"fas fa-caret-up\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">1. Como funciona o plano de sa\u00fade PJ para o MEI, Microempresas e Empresas?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1581\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"tabpanel\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p><span style=\"font-weight: 400;\">O plano de sa\u00fade PJ para pequenos neg\u00f3cios \u00e9 aquele em que o empreendedor pode optar por utilizar apenas para si mesmo, seus dependentes, ou ainda incluir seus empregados e s\u00f3cios (se tiver). O empreendedor precisa tomar algumas decis\u00f5es na escolha do plano, como a abrang\u00eancia, tipo de acomoda\u00e7\u00e3o, incluir ou n\u00e3o coparticipa\u00e7\u00e3o, ou seja, decidir sobre in\u00fameros detalhes que impactar\u00e3o diretamente nos servi\u00e7os dispon\u00edveis no plano, bem como a pol\u00edtica que que ser\u00e1 usada para concess\u00e3o do plano dentro da empresa quando ela crescer, se crescer.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1582\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" role=\"tab\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1582\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"fas fa-caret-down\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"fas fa-caret-up\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">2. Quem tem CNPJ tem desconto em plano de sa\u00fade?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1582\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"tabpanel\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p><span style=\"font-weight: 400;\">De acordo com a Ag\u00eancia Nacional de Sa\u00fade (ANS), respons\u00e1vel por fiscalizar o setor, os Microempreendedores Individuais (MEI) \u2013 por exemplo, podem adquirir planos de sa\u00fade com um desconto de 35% em rela\u00e7\u00e3o aos valores dos planos individuais.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1583\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" role=\"tab\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1583\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"fas fa-caret-down\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"fas fa-caret-up\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">3. Quais as exig\u00eancias para contratar um plano de sa\u00fade com CNPJ?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1583\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"tabpanel\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p><span style=\"font-weight: 400;\">Al\u00e9m do n\u00famero m\u00ednimo de benefici\u00e1rios, \u00e9 preciso cumprir outros pr\u00e9-requisitos para contratar um plano de sa\u00fade por meio de um CNPJ.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00c9 fundamental estar com o seu CNPJ regularizado, atualizado e ativo na Receita Federal para conseguir contratar um plano empresarial.<\/span><\/p><p><span style=\"font-weight: 400;\">Tamb\u00e9m \u00e9 importante lembrar que os Microempreendedores Individuais (MEI) tamb\u00e9m precisam ter um CNPJ ativo por, pelo menos, 6 meses.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1584\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" role=\"tab\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1584\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"fas fa-caret-down\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"fas fa-caret-up\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">4. O plano de sa\u00fade contratado com CNPJ pode ser para sua fam\u00edlia?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1584\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"tabpanel\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p><span style=\"font-weight: 400;\">Sim, outro dos benef\u00edcios de contratar um plano de sa\u00fade com seu CNPJ, \u00e9 que n\u00e3o necessariamente voc\u00ea precisa contratar para seus funcion\u00e1rios.<\/span><\/p><p><span style=\"font-weight: 400;\">Alguns planos permitem a contrata\u00e7\u00e3o do plano para a partir de 2 vidas, ou seja, para voc\u00ea e um benefici\u00e1rio por exemplo, como filho ou c\u00f4njuge.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1585\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"5\" role=\"tab\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1585\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"fas fa-caret-down\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"fas fa-caret-up\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">5. O que cobre um plano de sa\u00fade empresarial?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1585\" class=\"jet-toggle__content\" data-toggle=\"5\" role=\"tabpanel\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p><span style=\"font-weight: 400;\">A ANS prev\u00ea uma listagem m\u00ednima e obrigat\u00f3ria de exames, consultas, cirurgias e outros procedimentos que os planos devem oferecer, de acordo com a segmenta\u00e7\u00e3o contratada: ambulatorial, hospitalar (com e sem obstetr\u00edcia), odontol\u00f3gico e plano refer\u00eancia. Al\u00e9m disso, a Cobertura Assistencial tamb\u00e9m \u00e9 regulada pelo \u00f3rg\u00e3o e deve estar prevista no contrato com a operadora de sa\u00fade escolhida.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1586\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"6\" role=\"tab\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1586\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"fas fa-caret-down\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"fas fa-caret-up\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">6. E o reembolso, como funciona no plano empresarial?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1586\" class=\"jet-toggle__content\" data-toggle=\"6\" role=\"tabpanel\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p><span style=\"font-weight: 400;\">Planos de sa\u00fade PME oferecem a op\u00e7\u00e3o de reembolso desde que a operadora de sa\u00fade contratada forne\u00e7a o servi\u00e7o, com condi\u00e7\u00f5es previstas em contrato.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Perguntas Frequentes Administradora de Benef\u00edcios 1 &#8211; Administradora de Benef\u00edcios? O que \u00e9 uma Administradora de Benef\u00edcios? A Administradora de Benef\u00edcios \u00e9 uma pessoa jur\u00eddica, devidamente regulada pela Ag\u00eancia Nacional de Sa\u00fade Suplementar (ANS), que atua como estipulante ou prestadora de servi\u00e7o de empresas, \u00f3rg\u00e3os p\u00fablicos ou entidades representativas que desejam contratar um plano de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-47","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.tbssaude.com.br\/index.php?rest_route=\/wp\/v2\/pages\/47","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tbssaude.com.br\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.tbssaude.com.br\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.tbssaude.com.br\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tbssaude.com.br\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=47"}],"version-history":[{"count":0,"href":"https:\/\/www.tbssaude.com.br\/index.php?rest_route=\/wp\/v2\/pages\/47\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.tbssaude.com.br\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=47"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}