Health Plan for the Elderly: Is Health Tech Worth It?

Healthtechs, the beginning of medical and hospital care, promises affordable health plans. However, even these companies have a lot of value for the elderly, as is often the case with traditional projects.

In an effort to reduce the cost to the elderly, it is worth hiring a health plan. Healthcare? Heard by experts UOL The change, controlled by the ANS (National Supplementary Health Agency), is said to be an advantage, but there are still barriers, such as the cost of monthly fees and regional coverage.

The cost of plans for people over the age of 59

Healthtech Alice offers plans ranging from R $ 2,360 to R $ 5,332 for this audience. In QSaúde, amounts range from R $ 1,118.94 to R $ 3,951.42.

To compare how expensive it is for the elderly, at Alice Saúde, the cheapest plan for 0 to 18 year olds is R $ 394 to R $ 892. For those aged 54 to 58, prices range from R $ 1,529 to R $ 3,138.

Plans traditionally known to serve the elderly, such as Prevent Senior, have lower initial prices. According to information on the company’s website, monthly fee services range from R $ 1,104.27 to R $ 1,589.90. The São Cristóvão Saúde project, in the eastern part of Sao Paulo, is widely used by the elderly, with prices starting at R $ 699. All values ​​consider the age group over 59 years.

Change of plan

Businesswoman Marta, 68, who spoke on condition of anonymity, lives in Sao Paulo and switched to a QSaúde Prevent Senior plan, even though she paid more for the service. Previously, the project cost only less than R $ 1,000, with coverage for infrastructure only, and today the apartment coverage is around R $ 1,892.

Martha was dissatisfied with the old plan and started looking for new alternatives. The exchange took place in August last year and he has no regrets.

At no time did he feel intimidated by the termination of the contract as it is a health tech and he is satisfied with the service.

An alternative to the lack of individual plans

Today, there are few alternatives to individual health plans on the market and, therefore, the emergence of health tech helps to serve a lesser public.

Jezelle Tapai, a health expert, says increasing the number of health tech and new health solutions can help better serve the elderly, who are generally more vulnerable.

A survey by Destroy, an innovative platform aimed at startups, shows that the number of health tech in Brazil increased from 248 in 2018 to 1,002 last year.

Paula is 93 years old and lives in Rio de Janeiro.

Photo: Personal Collection

Retired Paula de Sampaio Karen, 93, lives in Rio de Janeiro and has a prenatal senior health plan since November 2020. The insurance was chosen for its value and to have a recognized hospital near his home.

“I had other health plans, but I moved to Prevent Senior. The plan doesn’t reach R $ 900 for me,” says Paula. Despite her lack of authority, the retired woman says she is satisfied with the service. In a few weeks, Paula will have to see three different doctors.

Opening a health plan at Health Tech was not an option at the time, as neither Paula nor her family knew about such a plan.

Regulated by ANS and digitization.

All companies in this sector must comply with ANS rules.How to meet the mandatory coverage of the agency list and follow the maximum adjustment value for individual and family plans.

As regulated by individual projects ANSIndividual project rescheduling is determined by the agency, while collective projects have no incremental limits. The maximum approved adjustment this year is 15.5%.

Vanessa Gordello, Director General of HealthTech QSaúde, says one of the benefits of planning at HealthTech is to unify technology in favor of treatment, in addition to defending a care model that focuses on disease prevention. ۔

In practice, the patient is first seen by a doctor who is always with him and then referred to a specialist if needed.

“We try to make the plan more accessible,” says Gordelo.

Leandro Rodrigues, Kipp Saúde’s commercial manager, says another benefit for consumers, especially those over the age of 59, is building a bond with the professionals who serve them.

“This is a very close process that the health team promotes to clients, especially people over the age of 59. You’re welcome. You create a great rapport with doctors,” says Rodriguez.

Geographical coverage and the cost of projects are still barriers.

Matheus Falcão, a lawyer and researcher at the Idec (Brazilian Institute for Consumer Protection) health program, says that health techs follow the logic of preventing patients’ illnesses in order to reduce operating costs – when the plan is only with help. It works, so it’s more expensive.

Despite the proposal to make healthcare more accessible, location is still a disadvantage for consumers who choose these plans.

“So far there is no evidence that this model works for everyone. Usually these companies operate in large centers, places that are already well-represented. These are more inland areas. I am a barrier for consumers, “says Falcão.

Alice Saúde has coverage throughout Brazil and Casa Alice, the company’s clinic, is located in Sao Paulo. QSaúde and Kipp coverage in Sao Paulo and surrounding municipalities, such as Osasco, Guarulhos and ABC Paulista – depending on the contract.

The price is also generally high, and unbearable for many Brazilians.

“We have already received complaints from consumers who were unable to perform portability because the cost of health tech was higher than their plan,” Falcão said.

Sergio Beaver, CEO and co-founder ExcellencyOne Fantastic Which offers health insurance, says the market Health Tech No perfect formula yet.

“Most were inspired by the concept of medical health and have not yet come to the taste of the Brazilian people. The price is high and some consumers choose traditional companies because they already know better,” says Beaver.

Precautions when using the service

Healthtechs are managed by the ANS, as are traditional health plans. Since recruitment is online, Tapai says consumers need to pay more attention to knowing what they are actually doing.

“In each case, the user needs to look at the agreement. Healthtechs are new, the user needs to understand what he is signing for. Tapi. For that, on any health plan agreement. It is important to consult a lawyer before signing.

Despite being an option for consumers who do not find individual plans in the market, HealthTech still has plans that are expensive for most Brazilians.

There are no health plans.

There are healthcare providers who do not sell health plans. They only offer advice and exams at low prices, but they do not have a hospital structure for admission. This is something that consumers need to be aware of.

“There aren’t many plans, but they make users think they are. Operators always have an ANS number that must be on the main page of the site to know if it is or not. “A black rectangle,” he says. Falcão

If the user cannot find the number, they can still check it through the ANS website. Just state the name of the plan, the type of contract, coverage and whether the plan exists (check here).

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