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Adjustments abusive health plan: stay tuned and know how to act!

07/16/2013

This article was translated by an automatic translation system, and was therefore not reviewed by people.


 



Stay tuned, the consumer! Unlike individual health plans, the National Health Agency (ANS) does not regulate adjustments collective plans, assuming that there is a balance of power in negotiations between the contractor and operator of the plane. However, there is the phenomenon of "false-collectivization" in which brokers convince consumers to open CNPJ or join trade unions so that they can acquire collective plans, arguing they cost cheaper. But beware: the cost, which at first may be more attractive, tends to become much more expensive than an individual plan due to improper adjustments. This is because the adjustment of individual plans are regulated by the ANS control that is not made for group plans.

Report published by Valor Economico newspaper this week revealed that the health plan operators are proposing an average increase of 20% for companies that offer this type of benefit to their employees. This is the highest average of the past five years, according to data from eight major carriers health plans (read the complete article: http://bit.ly/15fwjvC)

Are also frequent complaints about the lack of transparency in determining criteria for the adjustment of the collective plans. The Code of Consumer Protection, is the basic right of consumers to have access to information in a clear and precise about the price of services and products that hires (Articles 6, 31 and III). Customers plans must have prior access and complete on the adjustments that will focus on his contract.
Although there is no regulation of the ANS on collective plans, consumers who feel aggrieved by an improper adjustment, or not informed in advance, you can go to court based on the Code (art. 39, V).



Source: Procon Carioca

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This article was translated by an automatic translation system, and was therefore not reviewed by people.

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