{"id":127566,"date":"2022-10-29T14:49:00","date_gmt":"2022-10-29T17:49:00","guid":{"rendered":"http:\/\/jornalperiscopio.com.br\/site\/?p=127566"},"modified":"2022-12-12T14:50:30","modified_gmt":"2022-12-12T17:50:30","slug":"opiniao-juridica-planos-de-saude","status":"publish","type":"post","link":"https:\/\/jornalperiscopio.com.br\/site\/opiniao-juridica-planos-de-saude\/","title":{"rendered":"Opini\u00e3o Jur\u00eddica: Planos de sa\u00fade"},"content":{"rendered":"\n<p><strong>Por Fl\u00e1vio Cancherini<\/strong><\/p>\n\n\n\n<p>Hoje trataremos de tema sens\u00edvel a grande parte da popula\u00e7\u00e3o, os planos de sa\u00fade. Meses atr\u00e1s existia no judici\u00e1rio grande discuss\u00e3o sobre a cobertura devida aos usu\u00e1rios: todo e qualquer procedimento m\u00e9dico (desde que recomendado) deve ser coberto pelo plano?<\/p>\n\n\n\n<p>Existiam 2 correntes no judici\u00e1rio: todo procedimento deveria ser coberto e outro, em sentido oposto (somente os procedimentos previstos em lista divulgada pela Ag\u00eancia Nacional de Sa\u00fade deveriam ser cobertos). Esta diverg\u00eancia foi resolvida em julgamento realizado meses atr\u00e1s por tribunal de Bras\u00edlia (Superior Tribunal de Justi\u00e7a), que decidiu que somente os procedimentos previstos na lista da ANS deveriam ser cobertos. Este julgamento deveria ser seguido por todo o judici\u00e1rio brasileiro e colocava ponto final na discuss\u00e3o, de forma favor\u00e1vel aos planos.<\/p>\n\n\n\n<p>Ap\u00f3s referido julgamento, o Congresso Nacional rapidamente promulgou a lei federal n\u00ba 14.454\/2022, que disp\u00f5e que a lista da Ag\u00eancia Nacional de Sa\u00fade tem natureza exemplificativa (e n\u00e3o taxativa). Os planos ter\u00e3o que arcar com todos os procedimentos m\u00e9dicos (desde que recomendados), previstos ou n\u00e3o na lista da ANS.<\/p>\n\n\n\n<p>Esta lei foi favor\u00e1vel aos usu\u00e1rios, pois ampliou a cobertura. No entanto, logo ser\u00e1 sentido pelos clientes importante aumento no valor das mensalidades, pois os custos dos planos ser\u00e3o maiores (n\u00e3o existe \u201calmo\u00e7o gr\u00e1tis\u201d).<\/p>\n\n\n\n<p>O aumento do custo dos planos ser\u00e1 rapidamente repassado aos usu\u00e1riose a tend\u00eancia \u00e9 que os planos pequenos (com menor capacidade financeira) sejam comprados por operadoras de maior porte, concentrando ainda mais este mercado, que tem poucas empresas de porte.<\/p>\n\n\n\n<p>A lei, que \u00e9 mais ben\u00e9fica aos usu\u00e1rios, &nbsp;ter\u00e1 repercuss\u00e3o econ\u00f4mica: trar\u00e1 aumento de custo e tornar\u00e1 mais restrito o acesso aos planos. A cobertura aumentou e o valor a ser pago tamb\u00e9m.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Fl\u00e1vio Cancherini advoga em S\u00e3o Paulo e Itu. \u00c9 p\u00f3s-graduado em direito empresarial, civil e processo civil. flaviocancherini@hotmail.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Por Fl\u00e1vio Cancherini.<\/p>\n","protected":false},"author":1,"featured_media":126336,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[354],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Opini\u00e3o Jur\u00eddica: Planos de sa\u00fade<\/title>\n<meta name=\"description\" content=\"Por Fl\u00e1vio Cancherini.\" \/>\n<meta name=\"robots\" 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