Basic Plan: 105% variation
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Luciele Velluto
This is the price difference between the covenant cheapest and most expensive offering on the market
A price difference that reaches 105%. This is the view that the consumer is in choosing the basic plan of operators with the same standard of care, according to the ranking of the National Agency for Supplementary Health (ANS). In some cases, the variation of values includes the territorial scope of coverage and the accredited network.
"People should not take into account only the price of the policy," said the lawyer of the Brazilian Consumer Defense (Idec), Juliana Ferreira. "The more expensive plans come with broader geographic coverage in other states and abroad. The network also is convening more extensive. "
It is important for consumers to choose the carrier and coverage according to your needs before you even look at the prices.
"There are plans that work only with its own network and in a certain region. These are cheaper. If the person travels extensively, does not help pay for this service with limited geographical coverage. If there are areas outside the area in which it operates, will not be met, "the broker said Antonio Martins, a partner at Rofim Brokerage.
He explains that, for each carrier and plan, there is a different profile of customer. "The minimum coverage is the same for everyone, as this is defined by the NSA. However, details such as locations of service make a difference, and weigh the quality of service that was hired, "says Martins.
Score
The NSA has a scoring system that goes from zero to 1.0 and assess the quality of care, customer satisfaction, financial situation, network service and also the type of plan. Companies are separated by groups according to the number of customers, service and administrative difference (cooperative medicine group, specializing in health insurance, among others).
"The Qualification Program Supplemental Health helps guide the consumer to evaluate the carrier providing the service. The recommendation is to always compare companies that are in the same group, "said Afonso Teixeira Reis, technical coordinator of the NSA program.
Idec recommends, when the choice of the operator and the type of plan, a careful reading of the contract before signing it. "Ask for a copy and take home. Read it carefully and try to understand everything that is there. If you still have doubts, look for a body of consumer protection for help, "says Juliana.
The customer must observe if the agreement is close to network your home, an important item in the assessment. "If there are items that are not in the contract, ask the representative of the operator of the plan to include them in the contract and then sign.
The document takes effect as an additive to the contract. Everything must be documented, including exclusion of service and form of adjustment, "recommends the lawyer Idec.
CARE
Price is not the main thing in choosing a health plan. The service provided and accredited network must be taken into account according to the needs of each.
Review a copy of the contract before signing it can help to be clear what it is hiring. If you have difficulty understanding, find a body of consumer protection.
Having the information of clients and physicians and whether the claims in the mass consumer can help the operator know the health plan.
To see the scoring system of the Qualification Program Health Supplements please visit www.ans.gov.br
Source: Journal of the afternoon
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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