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Take questions
Check out the main rules of the needs of portability of health plans, which enters into force in April this year.
What is the portability of needs?
It is the law, to the user, exchange of health plan or to meet operating without a further period of grace - that is the period in which the consumer, from the hiring of the plan, is not using certain services from coverage.
What are the conditions for me to carry my needs?
The user should be up to date with their tuition, must be at least two years service in the home or three years in case of preexisting diseases and injuries, and the portability request in the month following the anniversary of the contract of the plan. The rule applies only to those who have individual plans or family hired in 1999 or adapted to the law 9656/1998.
Can I switch to any plan bearing my needs?
No. The needs of portability only applies to plans compatible type - ie the old plan and the plan chosen for the change must have the same geographic spread, be in the same range of prices and offer the same coverage. The types of plans also will be disclosed by the NSA - which should occur in April.
If I change an individual plan for a collective, or vice versa, I can take my needs?
No. The rule only applies to changes between individual or family plans.
If I have a disease that was discovered after the contract of my current health plan, it will be considered again by my existing plan?
No, if the user has remained at least three years operating in the home and meet the other conditions for portability.
If I meet one of my grace period, you can harness with the portability when switching plan?
No. The rule only applies to the portability of grace periods completed in full.
The switch to another plan within the same operator can also take the needs met?
Yes, but additional coverage should have completed their periods of need by the user. For example, the change of a plan for an outpatient hospital requires the fulfillment of grace for hospitalizations and surgeries
Service:
The NSA's phone is 0800-701-9656 for any questions.
Source: Gazeta do Povo
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This article was translated by an automatic translation system, and was therefore not reviewed by people.