Readjustment in health plans is important to take care of coverage and services

EXCLUSIVE - thanks to the Covid-19 pandemic, ANS (National Health Agency) suspended the readjustment of health plans in 2020. However, as of that month, the payment slips have already been sent to the beneficiaries with the readjustment, be it annual or for changing the age bracket, which wasn't charged last year.

The regulator defined that the rise should be up to eight.14% for individual or family plans contracted as from January 1999. additionally, the Agency established that the worth fixed for the last age bracket (59 years or more) doesn't are often quite sixfold the worth of the primary age bracket (0 to 18 years).

With the rise in monthly fees, the most concern of users isn't having the ability to continue paying the plan. Termination or suspension of a private contract can occur if payment isn't made after 60 days, consecutive or not, within the last 12 months. The insurer or operator is obliged to alert the customer about the cancellation up to the 50th day of default. In collective plans the rule varies and, if the buyer chooses to cancel or change the category to a different cheaper, the fees for adjustments associated with 2020 still apply.

Vera Valente

However, consistent with Vera Valente, executive of FenaSaúde , the rule defined by ANS is positive and allows to dilute the impact of the restoration on the budget of the contractors, whether companies or families. Therefore, it serves to mitigate the consequences and can help to take care of the coverage. “Our interest is, and can still be, for more people to possess and maintain supplementary health care. Renegotiations, when necessary, are administered a day, in order that the monthly fees are often adjusted to the payment capacity of the contractors ”.

According to Vera, it's essential to know that, in supplementary health, readjustments are the mere recomposition of costs that the beneficiaries had with the procedures occurred within the hobby, that is, the non-application of the readjustment would only contribute to the imbalance of the prevailing contracts, and should compromise the supply of services. “The operators related to FenaSaúde always take under consideration the effective conditions of the market and therefore the economy as an entire when negotiating with their customers. the target is usually to take care of and expand the contracts and therefore the number of lives covered, and to not restrict them ”

For her, offering differentiated products that serve Brazilians during a more heterogeneous way will definitely allow expanding access to supplementary health, which can also help to alleviate SUS. “We will still act in an institutional manner to point out that there are several possibilities to expand access through health plans and insurance. it's desirable to possess more flexible coverage, and not just products with fixed formats. We are a heterogeneous population and, as such, we certainly got to have plans that are more accessible and aware of people's diverse needs ”.

plano de saúde unimed fortaleza
hapvida fortaleza
plano de saúde hapvida
plano de saúde amil empresarial
Plano de Saúde Bradesco no Nordeste