The guide helps the beneficiary exercise the right and adjust the finances without losing the benefit
Research by the National Association of Benefit Administrators (ANAB) has identified a common behavior among beneficiaries of health insurance: most consider the service highly appreciated, those who use it are afraid of losing it and 47% of beneficiaries had to adjust their budget to maintain it for the last year.
It is no coincidence that the National Agency for Integrative Health (ANS) has released data on the number of consultations relating to the portability of needs: there were more than 300,000 in all of 2022, with 39% of consumers interested in a more convenient health plan .
“In order not to lose access to the benefit, one of the alternatives for families is to carry out the portability of shortages, a measure which allows for a more convenient change of plan, without losing the necessary coverage and without the need to meet new deadlines for use of the services”, explains Alessandro Acayaba de Toledo, lawyer specialized in Law and Health and president of ANAB.
Guide brings all the information
Many consumers are not sure how to exercise this right. A good way to find out is through the Health plan portability guideby ANAB itself. It is a free educational material with all the information necessary for the beneficiary to request the change and also use the rule for better financial management of their personal or family budget.
“Having a health plan today is one of the greatest desires of Brazilian consumers, second only to owning a home and an education. As the number of new beneficiaries grows, we also see a number of people looking for a solution to keep the plan, especially for the price,” Toledo points out.
Role of benefit administrators
Seeking to help consumers find the services that best suit their profile and budget, concession managers have created products with operators at the service of those interested in maintaining the service and reducing monthly fees, with the assistance of regional medical-hospital networks, focusing on local needs; and through partnerships with vertical operators ― who have their own patient care facilities.
“Over the past 10 years, the performance of benefit administrators has generated savings of more than R$7 billion. A value that represents the difference between the annual adjustment requested by operators and that actually charged to customers following the performance of these companies in the bargaining on behalf of consumers”, concludes Toledo.
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Ben Stock is a lifestyle journalist and author at Gossipify. He writes about topics such as health, wellness, travel, food and home decor. He provides practical advice and inspiration to improve well-being, keeps readers up to date with latest lifestyle news and trends, known for his engaging writing style, in-depth analysis and unique perspectives.
