In which the National Health Agency has a bureaucratic and passive role, faced with the increasing challenges facing the sector, and the pressure on its costs, coming, above all, from sectors that are outside the entity's regulation and supervision, such as hospitals, medicines and medical fees. However, from the sum of all the claims, it is undeniable that the most vulnerable subject among all actors in supplementary healthcare is the consumer. It is known that the current law on health plans (Law 9,656, of June 3, 1998), despite all the criticisms and suggestions for improvement, is not responsible for the difficulties in the relationship between consumers and health plan operators.



By requiring mandatory basic coverage for Buy Phone Number List these plans (reference plan, article 12 of the law), the purpose was to ensure that the consumer's interest would not be affected by a series of exclusions or limitations that would sacrifice the very reason for a contract of this nature. nature, which is the coverage of ordinary health risks and the high costs they represent. Currently, however, even this mandatory minimum coverage has been subject to criticism. Opposed to this is the opportunity for a popular health plan, more economically accessible to the consumer, and offering a smaller set of specialties and services, to those who cannot pay for the “complete coverage” currently provided for by law.







This is an old idea defended by entrepreneurs in the health sector, and which has the enthusiastic support of the current Minister of Health Ricardo Barros. [5] In its defense, an alleged relief on the Unified Health System is also mentioned, under the argument that citizens who would be able to contract these new standard health plans, and benefit from their services, would no longer represent a cost to the public system. The argument is attractive, but a closer look does not fail to notice some obstacles. Firstly, regardless of all social strata that contract health plans, the major risk identified as a motivation for contracting concerns hospital costs. These, as we know, are extremely high and virtually uncontrollable for someone who may need services of this nature.