{"id":7820,"date":"2026-10-05T07:29:00","date_gmt":"2026-10-05T07:29:00","guid":{"rendered":"https:\/\/www.companyhero.com\/blog\/?p=7820"},"modified":"2026-09-30T18:00:55","modified_gmt":"2026-09-30T18:00:55","slug":"como-usar-o-plano-de-saude","status":"publish","type":"post","link":"https:\/\/www.companyhero.com\/blog\/como-usar-o-plano-de-saude","title":{"rendered":"Como usar o plano de sa\u00fade nos primeiros 30 dias"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Resumo r\u00e1pido:<\/strong> Nos primeiros 30 dias, o essencial \u00e9: baixar o aplicativo da operadora e ativar a carteirinha digital, conferir a tabela de car\u00eancias do seu contrato, localizar na rede o pronto-socorro e os laborat\u00f3rios mais pr\u00f3ximos, entender quais procedimentos precisam de autoriza\u00e7\u00e3o pr\u00e9via e saber a quem recorrer se algo for negado. Urg\u00eancia e emerg\u00eancia j\u00e1 podem ser usadas 24 horas depois do in\u00edcio da vig\u00eancia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Principais pontos:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A car\u00eancia m\u00e1xima para urg\u00eancia e emerg\u00eancia \u00e9 de 24 horas.<\/li>\n\n\n\n<li>As demais car\u00eancias est\u00e3o no seu contrato, dentro dos limites da Lei 9.656\/98.<\/li>\n\n\n\n<li>Procedimentos de maior complexidade costumam exigir autoriza\u00e7\u00e3o pr\u00e9via.<\/li>\n\n\n\n<li>Se tiver um beb\u00ea, a inclus\u00e3o em at\u00e9 30 dias do nascimento garante a isen\u00e7\u00e3o de car\u00eancias.<\/li>\n<\/ul>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_78 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">T\u00f3picos:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Alternar tabela de conte\u00fado\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.companyhero.com\/blog\/como-usar-o-plano-de-saude\/#Checklist_da_primeira_semana\" >Checklist da primeira semana<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.companyhero.com\/blog\/como-usar-o-plano-de-saude\/#Quando_cada_cobertura_libera\" >Quando cada cobertura libera<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.companyhero.com\/blog\/como-usar-o-plano-de-saude\/#Autorizacao_previa_quando_precisa\" >Autoriza\u00e7\u00e3o pr\u00e9via: quando precisa<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.companyhero.com\/blog\/como-usar-o-plano-de-saude\/#Rede_credenciada_e_reembolso\" >Rede credenciada e reembolso<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.companyhero.com\/blog\/como-usar-o-plano-de-saude\/#Se_algo_for_negado\" >Se algo for negado<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.companyhero.com\/blog\/como-usar-o-plano-de-saude\/#Perguntas_frequentes\" >Perguntas frequentes<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.companyhero.com\/blog\/como-usar-o-plano-de-saude\/#Posso_ir_ao_pronto-socorro_na_primeira_semana\" >Posso ir ao pronto-socorro na primeira semana?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.companyhero.com\/blog\/como-usar-o-plano-de-saude\/#Onde_vejo_minhas_carencias\" >Onde vejo minhas car\u00eancias?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.companyhero.com\/blog\/como-usar-o-plano-de-saude\/#Tive_um_bebe_Ele_cumpre_carencia\" >Tive um beb\u00ea. Ele cumpre car\u00eancia?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.companyhero.com\/blog\/como-usar-o-plano-de-saude\/#Conte_com_o_Concierge_da_Hero\" >Conte com o Concierge da Hero<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Checklist_da_primeira_semana\"><\/span>Checklist da primeira semana<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Baixe o aplicativo da operadora e ative a carteirinha digital.<\/li>\n\n\n\n<li>Salve o n\u00famero da central de atendimento no celular.<\/li>\n\n\n\n<li>Encontre o pronto-socorro 24 horas da rede mais perto de casa.<\/li>\n\n\n\n<li>Confira a tabela de car\u00eancias do seu contrato.<\/li>\n\n\n\n<li>Cadastre os dependentes no aplicativo, se houver.<\/li>\n<\/ol>\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 title=\"Plano de sa\u00fade pelo CNPJ: at\u00e9 40% de economia\" width=\"800\" height=\"450\" src=\"https:\/\/www.youtube.com\/embed\/4C7gSrvsmTU?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quando_cada_cobertura_libera\"><\/span>Quando cada cobertura libera<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Tipo de atendimento<\/th><th>Prazo m\u00e1ximo pela Lei 9.656\/98<\/th><\/tr><\/thead><tbody><tr><td>Urg\u00eancia e emerg\u00eancia<\/td><td>24 horas<\/td><\/tr><tr><td>Parto a termo<\/td><td>300 dias<\/td><\/tr><tr><td>Demais procedimentos<\/td><td>At\u00e9 180 dias<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Cada operadora pode aplicar prazos menores. O que vale para voc\u00ea est\u00e1 no contrato.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Autorizacao_previa_quando_precisa\"><\/span>Autoriza\u00e7\u00e3o pr\u00e9via: quando precisa<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Exames de imagem mais complexos, cirurgias e interna\u00e7\u00f5es eletivas costumam precisar de autoriza\u00e7\u00e3o. O pedido geralmente \u00e9 feito pelo m\u00e9dico ou pelo aplicativo, e a operadora tem prazos definidos pela <a href=\"https:\/\/www.companyhero.com\/blog\/o-que-e-ans\">ANS<\/a> para responder.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Rede_credenciada_e_reembolso\"><\/span>Rede credenciada e reembolso<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Antes de marcar uma consulta, confirme no aplicativo se o profissional atende pelo seu plano. Se o seu plano tiver reembolso e voc\u00ea preferir um m\u00e9dico fora da rede, guarde a nota fiscal: ela \u00e9 obrigat\u00f3ria para o pedido.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Se_algo_for_negado\"><\/span>Se algo for negado<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Pe\u00e7a a negativa por escrito e o n\u00famero de protocolo.<\/li>\n\n\n\n<li>Recorra \u00e0 ouvidoria da operadora.<\/li>\n\n\n\n<li>Se n\u00e3o resolver, registre uma reclama\u00e7\u00e3o na ANS pelo Disque ANS (0800 701 9656) ou pelo site.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Perguntas_frequentes\"><\/span>Perguntas frequentes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1790790831609\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Posso_ir_ao_pronto-socorro_na_primeira_semana\"><\/span><strong>Posso ir ao pronto-socorro na primeira semana?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Sim. A car\u00eancia m\u00e1xima para urg\u00eancia e emerg\u00eancia \u00e9 de 24 horas.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1790790838062\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Onde_vejo_minhas_carencias\"><\/span><strong>Onde vejo minhas car\u00eancias?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No contrato e, na maioria das operadoras, tamb\u00e9m no aplicativo.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1790790845176\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Tive_um_bebe_Ele_cumpre_carencia\"><\/span><strong>Tive um beb\u00ea. Ele cumpre car\u00eancia?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>N\u00e3o, se for inclu\u00eddo como dependente em at\u00e9 30 dias do nascimento.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conte_com_o_Concierge_da_Hero\"><\/span>Conte com o Concierge da Hero<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Clientes de sa\u00fade da Company Hero t\u00eam suporte Concierge para rede, autoriza\u00e7\u00f5es e d\u00favidas com a operadora. Ainda n\u00e3o tem plano? <a href=\"https:\/\/simular-saude.companyhero.com\/\" target=\"_blank\" rel=\"noopener\">Simule seu plano de sa\u00fade PJ<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Fonte: Lei 9.656\/98 e <a href=\"https:\/\/www.gov.br\/ans\/pt-br\" target=\"_blank\" rel=\"noopener\">ANS<\/a>.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Leia tamb\u00e9m:<\/strong> <a href=\"https:\/\/www.companyhero.com\/blog\/reembolso-do-plano-de-saude-como-funciona-em-4-passos\">Reembolso do plano de sa\u00fade: como funciona<\/a> | <a href=\"https:\/\/www.companyhero.com\/blog\/rede-credenciada-o-que-e-e-como-consultar\">Rede credenciada<\/a> | <a href=\"https:\/\/www.companyhero.com\/blog\/plano-de-saude-pode-negar-internacao-por-carencia-veja-o-que-diz-lei\">Plano de sa\u00fade pode negar interna\u00e7\u00e3o por car\u00eancia?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Acabou de contratar? Veja como usar o plano de sa\u00fade nos primeiros 30 dias: carteirinha, car\u00eancias, rede, autoriza\u00e7\u00f5es e onde reclamar se algo der errado.<\/p>\n","protected":false},"author":25,"featured_media":7897,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[67,38],"tags":[216],"material":[],"class_list":["post-7820","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-plano-de-saude","category-cuidado-com-a-saude","tag-plano-de-saude"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/posts\/7820","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/comments?post=7820"}],"version-history":[{"count":2,"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/posts\/7820\/revisions"}],"predecessor-version":[{"id":7898,"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/posts\/7820\/revisions\/7898"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/media\/7897"}],"wp:attachment":[{"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/media?parent=7820"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/categories?post=7820"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/tags?post=7820"},{"taxonomy":"material","embeddable":true,"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/material?post=7820"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}