Planos de saúde populares podem estar disponíveis ainda este ano

Planos de saúde populares podem começar a ser vendidos ainda este ano, anunciou o ministro da Saúde, Ricardo Barros. O início da comercialização depende da conclusão de análise técnica da Agência Nacional de Saúde Suplementar (ANS) sobre a flexibilização da regulamentação de planos de saúde no país. Na semana passada, o grupo de trabalho inicial responsável por analisar o tema publicou seu relatório final.

Segundo Barros, com o aumento do acesso privado, o Sistema Único de Saúde (SUS) poderá oferecer melhor atendimento a quem não pode pagar por um plano, um contingente de 150 milhões de brasileiros.

“Ao Ministério de Saúde compete dar saúde a todos os brasileiros, que tem ou não tem plano de saúde. É isso que determina a Constituição. Evidentemente, quanto mais brasileiros tiverem cobertura de planos pagos por seus patrões, patrocinadores ou pagos individualmente, esses brasileiros diminuem a pressão sobre a fila do SUS, que atende aqueles que só dependem do SUS, não tem capacidade financeira ou a sua empresa não pode ofertar um plano de saúde para aqueles trabalhadores”, disse o ministro que participou nesta terça (19) da abertura da 8ª Conferência Brasileira de Seguros (Conseguro), que discute até quinta-feira “o desafio da retomada do crescimento”.

O ministro explicou que o objetivo do Projeto de Plano de Saúde Acessível é ampliar ao máximo a cobertura de planos de saúde à população “para que esta responsabilidade de financiamento da saúde seja dividida”. “Já é hoje 55% do investimento em saúde do setor privado e 45% do setor público. Então, quanto mais nós tivermos a cooperação de empresários financiando a saúde de seus funcionários, de planos individuais, mais qualidade nós podemos oferecer a quem depende do SUS”.

Para tanto, Barros informa que estão sendo analisadas alternativas como flexibilizar o rol mínimo de atendimento, regionalizar a cobertura para os procedimentos e a co-participação do beneficiário no pagamento dos serviços utilizados. Segundo ele, “na maioria dos casos, a ANS diz que aquela opção já está disponível no mercado”.

Empresas

A presidente da Federação Nacional de Saúde Suplementar (FenaSaúde), Solange Beatriz Palheiros Mendes, lembra da necessidade de a ANS regulamentar as regras do produto, discutindo com os setores interessados, antes de o plano acessível ser ofertado pelas empresas.

“Para que um produto tenha regras claras, uniformes e possa ter uma significativa redução de custos, eu entendo, e pelo visto o ministro entende também, que há a necessidade de que esse produto seja regulamentado. E quem tem que fazer isso é a agência, que trata esses debates importantes para a saúde suplementar constituindo um grupo de trabalho com a participação pública e privada”.

Ela adianta que a FenaSaúde comporá o grupo de trabalho para discutir a formatação dos plano populares. “Reduzir custo é consequência. Uma rede hierarquizada, com um médico generalista indicando o especialista, isso reduz o desperdício. Se tem co-participação, que não é para todos os procedimentos, ela gera por parte do consumidor um maior cuidado na utilização, também evitando o desperdício. E evitando o desperdício reduz o custo. Só depois de regulamentar é que a gente consegue precificar. Mas estamos intuindo que haverá uma redução de uns 20%”.

Outro lado

O vice-presidente da Associação Brasileira de Saúde Coletiva (Abrasco), José Antônio Sestelo, considera que o aumento do acesso a planos de saúde não gera mais recursos para a saúde pública.

“Esse argumento é antigo, dos anos 70, foi introduzido pelos empresários quando eles estavam ainda tentando se legitimar como empresas que vendiam planos de saúde. Ele foi naturalizado e as pessoas repetem isso sem se dar conta de que ele não faz sentido. Nesses anos todos, o sistema público se beneficiou em que com o aumento da venda de planos? Em absolutamente nada. Ao contrário, nunca sobrou dinheiro, uma quantidade enorme de recursos humanos e equipamentos fica indisponível para as pessoas que não têm plano, porque elas são de uso privativo de quem tem plano. Mas o contrário não é verdade, quem tem plano pode usar o sistema público livremente, como qualquer cidadão. Então não há uma reciprocidade aí”.

Para ele, os planos populares também não melhoram o acesso à saúde. “É um pacote muito restrito, a pessoa paga uma quantia pequena, mas também tem direito a uma contrapartida que é insuficiente para atender a necessidade de assistência da maioria das pessoas. Porque o que realmente importa, o que é caro, é a internação hospitalar. E é isso que as empresas estão querendo empurrar para o sistema público que, em última instância, vai arcar com esses gastos maiores. Ou seja, a pessoa vai comprar o plano, vai ter o plano e, na hora que realmente precisar, ela vai ter que recorrer ao sistema público que, por sua vez, está e estará cada vez mais sucateado, dado o congelamento dos recursos que eram destinados ao financiamento do sistema”.

Conferência

Também na mesa de abertura da Conseguro, o ministro das Cidades, Bruno Araújo, informou que a pasta estuda uma forma de contratar seguros contra riscos de engenharia para todas as obras sob sua responsabilidade, como as de saneamento básico, do Programa Minha Casa, Minha Vida, contenção de encostas e de mobilidade. Uma proposta deve ser apresentada ainda este ano.

Fonte: Agência Brasil

 

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