Clipping of news on Brazilian Culture, Law and Citizenship
07/10/2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Before you join a health plan, consumers need to be informed about all the conditions of the contract, not to run the risk of being surprised in the future. See, the following are some questions that should be asked before signing the contract.
WHAT IS THE PROFILE OF THE CONTRACT? - Do not be led only by the plan price. It is important to know the contract you are signing Profile: Collective / business (brokered by companies or trade associations) or individual / family (negotiated with the operator). The initial prices of group plans are usually smaller, but they have higher increases, in general.
HOW IS THE PLAN OF ADJUSTMENT? - The individual / family plans have two types of adjustment: Annual, regulated by ANS, and by age group. The group plans have three: annual, by age group and by accident, that takes into account the frequency of use of services. Inquire about the indexes used in recent years.
WHAT TYPE OF COVERAGE? - The offer of about services is linked to the type of contract plan: outpatient, hospital with or without obstetrics, dental or reference. The SLA defines a list of appointments, tests and treatments that plans are required to offer, as each type.
I CAN BE ATTENDED ANYWHERE? - Before signing the contract, ask about the scope of coverage. If the plan is a regional level, the service will be limited to the geographical area covered by the contract. If national coverage, the care will be guaranteed throughout the country.
The FROM WHEN CAN I USE MY PLAN? - The maximum waiting periods are: 24 hours for emergency care; 180 days for hospitalization, surgery and highly complex procedures; to 300 days to delivery. Your service provider may offer shorter terms, but this should be guaranteed in writing.
I CAN MAKE A PLAN PORTABILITY? - Portability is the ability to change plans without fulfilling the shortage again. It is mandatory only in individual or family plans, and collective adhesion. Still, the consumer must have been at least two years in the plan (or 3 if you have any pre-existing disease).
WHEN WILL HAVE RESET IN AGE? - Companies can promote adjustments in the plan value when the consumer changes his age group. These ranges are defined by the NSA. Who hires a plan after 28 years, for example, will have to shoulder an adjustment of this type at 29, when change range.
Source: Uol
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This article was translated by an automatic translation system, and was therefore not reviewed by people.