Individual health plans: Does the consumer still have power of choice?

Detalhes bibliográficos
Autor(a) principal: Moreira Antonio, Gilka Lopes
Data de Publicação: 2018
Tipo de documento: Artigo
Idioma: por
Título da fonte: Cadernos Ibero-Americanos de Direito Sanitário (Online)
Texto Completo: https://www.cadernos.prodisa.fiocruz.br/index.php/cadernos/article/view/463
Resumo: Objective: The article studied the supply reduction of individual health plans that include medical assistance. Methodology: The study had a qualitative and quantitative approach. It was realized in an explanatory and descriptive way, through procedures of documentary and bibliographic research. Results: The results show that: individual and group health plans have different characteristics and there are stricter rules applicable to the individual plans; the supply of this product is low; this market is concentrated; there are few options of national coverage plans. Conclusion: The supply reduction of individual health plans that include medical assistance affects the right to health, because the supplemental health users don’t have power of choice or possibilities to move to another provider. It is more difficult for elderly users.
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spelling Individual health plans: Does the consumer still have power of choice?Planes de salud individuales: ¿El consumidor todavía tiene poder de elección?Planos privados individuais de saúde: o consumidor ainda tem poder de escolha?Supplemental HealthMedical AssistanceHealth Care Coordination and MonitoringRight to healthSalud ComplementariaAsistencia MédicaRegulación y Fiscalización en SaludDerecho a la saludSaúde SuplementarAssistência MédicaRegulação e Fiscalização em SaúdeDireito à saúdeObjective: The article studied the supply reduction of individual health plans that include medical assistance. Methodology: The study had a qualitative and quantitative approach. It was realized in an explanatory and descriptive way, through procedures of documentary and bibliographic research. Results: The results show that: individual and group health plans have different characteristics and there are stricter rules applicable to the individual plans; the supply of this product is low; this market is concentrated; there are few options of national coverage plans. Conclusion: The supply reduction of individual health plans that include medical assistance affects the right to health, because the supplemental health users don’t have power of choice or possibilities to move to another provider. It is more difficult for elderly users.Objetivo: El artículo estudia la reducción de la oferta de planes de salud individuales que incluyen asistencia médica. Metodología: Se trató de estudio descriptivo, explicativo, cualitativo y cuantitativo, hecho a través de procedimientos de investigación documental y bibliográfica. Resultados: Los resultados muestran que: los planes de salud individuales y de grupo tienen características distintas; las normas aplicables a los contratos son más rígidas; el mercado está concentrado; hay escasez de oferta de este producto. Conclusión: La reducción de la oferta de planes de salud individuales que incluyen asistencia médica perjudica el derecho a la salud, porque los usuarios de la salud complementaria no tienen poder de elección y no puedan cambiar a otra operadora. Los consumidores ancianos tienen más dificultades con la contratación de planes de salud.Objetivo: Estudou-se o fenômeno da redução da oferta de planos de saúde privados de assistência médica individuais/familiares. Metodologia: Tratou-se de estudo com abordagem quali-quantitativa, descritivo e explicativo, realizado por intermédio de procedimentos de pesquisa documental e bibliográfica. Resultados: Os planos individuais e coletivos têm características diferentes; as regras aplicáveis aos contratos individuais são mais rígidas; o mercado de planos individuais está altamente concentrado; há pouca oferta desse tipo de produto pelas operadoras, sobretudo de abrangência nacional. Conclusão: A redução da oferta de planos individuais/familiares e a comercialização de produtos mais restritos afetam o direito à saúde visto que reduz o poder de escolha do consumidor, as possibilidades de mobilidade, e dificulta a contratação de planos por aqueles que estão fora do mercado de trabalho formal, principalmente os idosos.Fundação Oswaldo Cruz Brasília2018-04-02info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionArtigo científicoapplication/pdfapplication/vnd.openxmlformats-officedocument.wordprocessingml.documentapplication/vnd.openxmlformats-officedocument.wordprocessingml.documentapplication/vnd.openxmlformats-officedocument.wordprocessingml.documentapplication/vnd.openxmlformats-officedocument.wordprocessingml.documenthttps://www.cadernos.prodisa.fiocruz.br/index.php/cadernos/article/view/46310.17566/ciads.v7i1.463Iberoamerican Journal of Health Law; Vol. 7 No. 1 (2018): (JAN/MAR.2018); 163-182Cuadernos Iberoamericanos de Derecho Sanitario; Vol. 7 Núm. 1 (2018): (JAN/MAR.2018); 163-182Cadernos Ibero-Americanos de Direito Sanitário; v. 7 n. 1 (2018): (JAN/MAR.2018); 163-1822358-18242317-839610.17566/ciads.v7i1reponame:Cadernos Ibero-Americanos de Direito Sanitário (Online)instname:Fundação Oswaldo Cruz (FIOCRUZ)instacron:FIOCRUZporhttps://www.cadernos.prodisa.fiocruz.br/index.php/cadernos/article/view/463/523https://www.cadernos.prodisa.fiocruz.br/index.php/cadernos/article/view/463/677https://www.cadernos.prodisa.fiocruz.br/index.php/cadernos/article/view/463/678https://www.cadernos.prodisa.fiocruz.br/index.php/cadernos/article/view/463/679https://www.cadernos.prodisa.fiocruz.br/index.php/cadernos/article/view/463/68010.17566/ciads.v7i1.463.s10110.17566/ciads.v7i1.463.s10210.17566/ciads.v7i1.463.s10310.17566/ciads.v7i1.463.s104Copyright (c) 2018 CADERNOS IBERO-AMERICANOS DE DIREITO SANITÁRIOinfo:eu-repo/semantics/openAccessMoreira Antonio, Gilka Lopes2020-03-24T20:36:10Zoai:ojs.cadernos.prodisa.fiocruz.br:article/463Revistahttp://www.cadernos.prodisa.fiocruz.brPUBhttp://www.cadernos.prodisa.fiocruz.br/index.php/cadernos/oaicadernos.direitosanitario@fiocruz.br2358-18242317-8396opendoar:2020-03-24T20:36:10Cadernos Ibero-Americanos de Direito Sanitário (Online) - Fundação Oswaldo Cruz (FIOCRUZ)false
dc.title.none.fl_str_mv Individual health plans: Does the consumer still have power of choice?
Planes de salud individuales: ¿El consumidor todavía tiene poder de elección?
Planos privados individuais de saúde: o consumidor ainda tem poder de escolha?
title Individual health plans: Does the consumer still have power of choice?
spellingShingle Individual health plans: Does the consumer still have power of choice?
Moreira Antonio, Gilka Lopes
Supplemental Health
Medical Assistance
Health Care Coordination and Monitoring
Right to health
Salud Complementaria
Asistencia Médica
Regulación y Fiscalización en Salud
Derecho a la salud
Saúde Suplementar
Assistência Médica
Regulação e Fiscalização em Saúde
Direito à saúde
title_short Individual health plans: Does the consumer still have power of choice?
title_full Individual health plans: Does the consumer still have power of choice?
title_fullStr Individual health plans: Does the consumer still have power of choice?
title_full_unstemmed Individual health plans: Does the consumer still have power of choice?
title_sort Individual health plans: Does the consumer still have power of choice?
author Moreira Antonio, Gilka Lopes
author_facet Moreira Antonio, Gilka Lopes
author_role author
dc.contributor.author.fl_str_mv Moreira Antonio, Gilka Lopes
dc.subject.por.fl_str_mv Supplemental Health
Medical Assistance
Health Care Coordination and Monitoring
Right to health
Salud Complementaria
Asistencia Médica
Regulación y Fiscalización en Salud
Derecho a la salud
Saúde Suplementar
Assistência Médica
Regulação e Fiscalização em Saúde
Direito à saúde
topic Supplemental Health
Medical Assistance
Health Care Coordination and Monitoring
Right to health
Salud Complementaria
Asistencia Médica
Regulación y Fiscalización en Salud
Derecho a la salud
Saúde Suplementar
Assistência Médica
Regulação e Fiscalização em Saúde
Direito à saúde
description Objective: The article studied the supply reduction of individual health plans that include medical assistance. Methodology: The study had a qualitative and quantitative approach. It was realized in an explanatory and descriptive way, through procedures of documentary and bibliographic research. Results: The results show that: individual and group health plans have different characteristics and there are stricter rules applicable to the individual plans; the supply of this product is low; this market is concentrated; there are few options of national coverage plans. Conclusion: The supply reduction of individual health plans that include medical assistance affects the right to health, because the supplemental health users don’t have power of choice or possibilities to move to another provider. It is more difficult for elderly users.
publishDate 2018
dc.date.none.fl_str_mv 2018-04-02
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
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url https://www.cadernos.prodisa.fiocruz.br/index.php/cadernos/article/view/463
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https://www.cadernos.prodisa.fiocruz.br/index.php/cadernos/article/view/463/677
https://www.cadernos.prodisa.fiocruz.br/index.php/cadernos/article/view/463/678
https://www.cadernos.prodisa.fiocruz.br/index.php/cadernos/article/view/463/679
https://www.cadernos.prodisa.fiocruz.br/index.php/cadernos/article/view/463/680
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10.17566/ciads.v7i1.463.s102
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dc.rights.driver.fl_str_mv Copyright (c) 2018 CADERNOS IBERO-AMERICANOS DE DIREITO SANITÁRIO
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Copyright (c) 2018 CADERNOS IBERO-AMERICANOS DE DIREITO SANITÁRIO
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
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dc.publisher.none.fl_str_mv Fundação Oswaldo Cruz Brasília
publisher.none.fl_str_mv Fundação Oswaldo Cruz Brasília
dc.source.none.fl_str_mv Iberoamerican Journal of Health Law; Vol. 7 No. 1 (2018): (JAN/MAR.2018); 163-182
Cuadernos Iberoamericanos de Derecho Sanitario; Vol. 7 Núm. 1 (2018): (JAN/MAR.2018); 163-182
Cadernos Ibero-Americanos de Direito Sanitário; v. 7 n. 1 (2018): (JAN/MAR.2018); 163-182
2358-1824
2317-8396
10.17566/ciads.v7i1
reponame:Cadernos Ibero-Americanos de Direito Sanitário (Online)
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reponame_str Cadernos Ibero-Americanos de Direito Sanitário (Online)
collection Cadernos Ibero-Americanos de Direito Sanitário (Online)
repository.name.fl_str_mv Cadernos Ibero-Americanos de Direito Sanitário (Online) - Fundação Oswaldo Cruz (FIOCRUZ)
repository.mail.fl_str_mv cadernos.direitosanitario@fiocruz.br
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