Clipping of news on Brazilian Culture, Law and Citizenship
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Once the Brazilians can change the health plan without the obligation to meet new needs in mid-April, the NSA (National Agency of Supplemental Health) put the information from all available medical conventions in the country on your site.
Through an electronic program, customers will see the migration options, compare services and choose the most advantageous.
The compilation of data on the site is provided for in the resolution adopted before the agency, which monitors the health plans. The resolution prohibits the customer requires the fulfillment of grace every time you change the plan is.
Is the initial grace period in which the contractors pay the tuition, but do not yet have access to all coverage provided for in the contract.
Minority covered
The end of new needs, however, has only 15.5% agreement with the Brazilian doctor. Those who have signed the individual or family from 1999, when the market was regulated health plans. The standard does not benefit those who have the old (before 1999) or collective.
In Brazil, 40.8 million people have some kind of arrangement doctor. Those who have individual or family plan post-1999 totaled 6.3 million.
Long-awaited, the change-known as a grace-portability means that customers no longer be "hostages" of the plans. Many fear migrate operator to know that, signed the new contract, will be temporarily without some coverage. For surgery, for example, the shortage is six months.
In editing this Wednesday (14), Folha said exclusively to the new rules, which were confirmed by the NSA last night. The resolution is the "Official Gazette" of the Union this Thursday.
Migration can only be made after the customer is a plan-two years or three years if he has disease or preexisting lesions (reported at the time of contract). Each customer will have 60 days a year to request a change-in the month in which the contract makes birthday and the following month.
The tuition fees need be paid on day. The new plan would be cheaper than the previous or similar value. In the coming weeks, the NSA shall establish standards that set each track monthly.
The data on the site of the NSA will allow people to know which bands may migrate. Customers may consult geographical scope, procedures covered, medical and hospital network accredited and prices of each plan of 1600 carriers in the country.
Competition
The companies adopted the standards. According Arlindo de Almeida, president of Abramge (Associação Brasileira de Medicina de Grupo), a "healthy competition"-operators offer better service to avoid losing customers.
He, however, believes that few will leave their conventions: "People have a great connection with the doctors [the accredited network], many of them are in treatment, there is an intense relationship. They will not want to change."
The Idec, consumer protection entity with headquarters in Sao Paulo, operators did not oppose that, in practice, little will change. "Many now accept clients from other companies without imposing grace, especially if they are young and healthy," says Karina Grou, lawyer of Idec.
For her, the rules have no meaning because not receive the 34.5 million people who are old or collective level.
Source: Idec
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This article was translated by an automatic translation system, and was therefore not reviewed by people.