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Custo médico-hospitalar sobe 15,4% em 12 meses até março, quase dobro do IPCA, revela IESS https://www.assertivacomercial.com.br/uncategorized/custo-medico-hospitalar-sobe-154-em-12-meses-ate-marco-quase-dobro-do-ipca-revela-iess/ Tue, 03 Nov 2015 17:30:09 +0000 http://www.assertivacomercial.com.br/?p=748 Continue Reading]]>  

VCMH/IESS indica, contudo, desaceleração no crescimento dos custos de internações e consultas

 

Os custos das operadoras de planos de saúde com consultas, exames, terapias e internações, apurado pelo Índice de Variação de Custos Médico-Hospitalares (VCMH) do Instituto de Estudos de Saúde Suplementar (IESS), cresceram 15,4% nos 12 meses encerrados em março de 2015. Um crescimento bastante superior à variação da inflação geral no País, medida pelo IPCA, que registrou alta de 8,1% no mesmo período. Apesar da taxa elevada, o VCMH de março deste ano ficou abaixo do registrado no mesmo mês em 2014, quando apresentou o maior valor da série histórica: 18,2%.

“Apesar da desaceleração em relação ao registrado no mesmo período do ano anterior, o aumento do VCMH continua em um ritmo quase duas vezes superior ao da inflação medida pelo IPCA”, adverte Luiz Augusto Carneiro, superintendente-executivo do IESS. “O ritmo de elevação do indicador VCMH deve ser um fator de preocupação e reforça a necessidade de debater os fatores que potencializam a alta de custos da saúde suplementar no Brasil. É preciso pensar em melhorias nesse setor, priorizando eficiência e o combate ao desperdício”, complementa.

O VCMH/IESS é o principal indicador utilizado pelo mercado de saúde suplementar como referência sobre o comportamento dos custos. O cálculo utiliza os dados de um conjunto de planos individuais de operadoras, e considera a frequência de utilização pelos beneficiários e o preço dos procedimentos. Dessa forma, se em um determinado período o beneficiário usou mais os serviços e os preços médios aumentam, o custo apresenta uma variação maior do que isoladamente com cada um desses fatores. A metodologia aplicada ao VCMH/IESS é reconhecida internacionalmente e aplicada na construção de índices de variação de custo em saúde nos Estados Unidos, como o S&P Healthcare Economic Composite e Milliman Medical Index.

O superintendente-executivo do IESS destaca que o principal fator para a desaceleração no avanço do VCMH foi a retração de 3 pontos porcentuais (p.p.) na VCMH de internações, que respondem por aproximadamente 58% da composição do índice. O que significa que os custos com internações subiram 13,8% nos 12 meses encerrados em março de 2015 ante 16,8% no período anterior.

O gasto com consultas, que corresponde a 11% da composição do índice, subiu 10,5%. Nos 12 meses encerrados em março de 2014, esse crescimento havia sido de 12,1%. Os custos de Exames e Terapias avançaram 14,6% e 20,6%, respectivamente, no período.

Carneiro aponta, ainda, que a faixa etária dos beneficiários de planos de saúde é um fator crucial na VCMH. “É natural que seja mais caro tratar pessoas acima de 59 anos, dado o surgimento ou agravamento, por exemplo, de doenças crônicas e outros problemas relacionados ao avanço da idade. O fato de os beneficiários de planos de saúde serem mais idosos do que a população em geral impacta diretamente nos valores dos planos e o envelhecimento populacional incide diretamente no aumento dos custos médico-hospitalares”, ressalta. A base de cálculo do VCMH/IESS registra 22,5% dos beneficiários com mais de 59 anos. Na população brasileira como um todo, essa proporção é de 11,8% de acordo com o IBGE.

SOBRE O ÍNDICE VCMH

O índice de Variação do Custo Médico Hospitalar do IESS (VCMH/IESS) expressa a variação do custo médico hospitalar per capita das operadoras de planos de saúde entre dois períodos consecutivos de 12 meses cada. A amostra utilizada para o cálculo do índice VCMH representa aproximadamente 10% do total de beneficiários de planos individuais (antigos e novos) distribuídos em todas as regiões do país.

Essa metodologia é reconhecida internacionalmente e aplicada na construção de índices de variação de custo em saúde, como o S&P Healthcare Economic Composite e Milliman Medical Index. Além disso, o índice VCMH/IESS considera uma ponderação por padrão de plano (básico, intermediário, superior e executivo), o que possibilita a mensuração mais exata da variação do custo médico hospitalar. Ou seja, se as vendas de um determinado padrão de plano crescerem muito mais do que as de outro padrão, isso pode resultar, no cálculo agregado, em VCMH maior ou menor do que o real, o que subestimaria ou superestimaria o VCMH.

 SOBRE O IEESS

O Instituto de Estudos de Saúde Suplementar (IESS) é uma entidade sem fins lucrativos com o objetivo de promover e realizar estudos sobre saúde suplementar baseados em aspectos conceituais e técnicos que colaboram para a implementação de políticas e para a introdução de melhores práticas. O Instituto busca preparar o Brasil para enfrentar os desafios do financiamento à saúde, como também para aproveitar as imensas oportunidades e avanços no setor em benefício de todos que colaboram com a promoção da saúde e de todos os cidadãos. O IESS é uma referência nacional em estudos de saúde suplementar pela excelência técnica e independência, pela produção de estatísticas, propostas de políticas e a promoção de debates que levem à sustentabilidade da saúde suplementar.

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A IMPORTÂNCIA DO PLANO DE SAÚDE EMPRESARIAL https://www.assertivacomercial.com.br/uncategorized/742/ Wed, 17 Dec 2014 13:06:59 +0000 http://www.assertivacomercial.com.br/?p=742 Continue Reading]]>  

 

Há quem pense que ser empreendedor é preocupar-se somente em como aumentar os números e as vendas de produtos ou serviços, mas estar atento à importância e vantagens em oferecer um plano de saúde empresarial aos seus colaboradores.

Oferecer esta opção de seguro de saúde aos seus funcionários é uma maneira de motivá-los e mostrar que se preocupa com o bem-estar e a qualidade de vida dos mesmos, pois isto já garante um motivo a menos de preocupações para o trabalhador.Em pequenas empresas, onde o plano de saúde não é tão considerado devido ao número reduzido de funcionários, a importância é ainda maior, já que a falta de um ou dois funcionários que estejam doentes e precisem enfrentar grandes esperas em hospitais, compensa o gato mensal que a empresa terá com os planos de saúde.Se o bem maior de uma organização é justamente as pessoas, o capital humano deve ser valorizado e uma das formas de mostrar que realmente valoriza as pessoas que trabalham para você é oferecer um plano de saúde que melhore a produtividade e motivação durante o trabalho.
De nada adianta investir em propagandas e publicidades externas se seu pessoal não trabalha motivado e de forma produtiva, pois um fator não compensará o outro.

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PORQUE CONTRATAR UMA CONSULTORIA OU CORRETORA ESPECIALIZADA EM GESTÃO DE BENEFÍCIOS ? https://www.assertivacomercial.com.br/uncategorized/porque-contratar-uma-consultoria-ou-corretora-especializada-em-gestao-de-beneficios/ Mon, 18 Aug 2014 19:54:03 +0000 http://www.assertivacomercial.com.br/?p=736 Continue Reading]]>  

 

 

Qual o papel / responsabilidades de uma corretora/consultoria de benefícios?

 

Há uma variação conforme as  necessidades e a forma de trabalho que serão definidos previamente com cada cliente. A consultoria de benefícios que atua com foco na qualidade, certamente precisará entender as necessidades do cliente e  as expectativas dos usuários para propor uma gestão totalmente integrada a cultura e a estratégia do negócio.As consultorias e corretoras de benefícios atuam no mercado como “pequenas ramificações” da área de recursos humanos e tem como finalidade tornar-se um apoio aos gestores destas áreas, desenvolvendo ações para: estabelecer eficiência total nos processos operacionais, controlar custos, otimizar recursos, elaborar pesquisas de satisfação dos usuários,  auxiliar no desenvolvimento de programas de comunicação interna e campanhas focadas em qualidade de vida. Além disso, as consultorias podem auxiliar na capacitação de profissionais com foco em gestão de benefícios.

 

O que uma corretora/consultoria de benefícios pode fazer pelo programa de saúde e benefícios da sua empresa?

 

Por conhecer toda a dinâmica dos processos e por ter uma atuação focada, uma boa corretora/consultoria poderá fornecer aos seus clientes dados para a tomada de decisões e a correta utilização dos seus recursos físicos e financeiros. Tais decisões podem ser concretizadas por meio de ações e programas de qualidade de vida dos usuários, aumento da motivação e melhor percepção do valor agregado aos benefícios em relação a política de remuneração.

 

Quanto custa ter uma corretora/ consultoria de benefícios?

Não há custo adicional para a empresa que contrata os serviços de uma consultoria ou corretora para fazer a gestão de seus benefícios, pois geralmente estes profissionais recebem uma comissão das operadoras.A tabela de preços para benefícios é feita com base na faixa etária e no risco apresentado pela massa que esta sendo analisada.Muitas empresas preferem contratar diretamente com o fornecedor, pois acreditam que poderão diminuir o valor dos contratos excluindo a comissão paga para corretores e consultores. Porém o que vemos no mercado são muitos erros de precificação, ou seja, fornecedores apresentam preços baixos para ganhar o cliente e depois de um ano de contrato estes fornecedores tem que aplicar altos índices de reajustes, gerando muito desgaste nas negociações e constantes mudanças de operadoras.

 

 

Quais benefícios uma empresa poderá obter ao eleger uma corretora/consultoria de benefícios?

  • Profissionais Qualificados e especializados na gestão da área de benefícios, sem custo para a empresa;
  • Suporte técnico para resolução de problemas diários;
  • Dados atualizados e indicadores para a tomada de decisão;
  • Gestão e controle financeiro;
  • Mapeamento dos riscos (Planejamento)
  • Análise de Mercado segmentada (quais benefícios seus concorrentes estão oferecendo aos funcionários – Foco em retenção)
  • Avaliação de Custo x Benefício (Comparação de produtos e serviços)
  • Análise de Desempenho (Avaliação)
  • Programas de Qualidade de Vida (Motivação)
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Em breve https://www.assertivacomercial.com.br/eiusmod-tempor/em-breve/ Thu, 26 Jun 2014 11:30:03 +0000 http://www.assertivacomercial.com.br/?p=77 Em breve

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