MEI health plan: the best options on the market

Looking for a good one MEI health plan? You're in the right place!

If you have been an MEI for at least six months, you can now purchase a corporate health plan directly from the operator that provides the service, without the need for intermediaries.

This health plan even covers your family members. In this article, you'll learn more about this service.

What is the MEI health plan?

In principle, this health plan is an alternative medical-hospital assistance specifically aimed at Individual microentrepreneurs. 

Its rules are similar to those offered to medium and large companies.

Therefore, this plan option ends up being 40% cheaper than an individual or personal plan.

In short, access to this plan is available to people with a CNPJ who qualify as Individual Micro Entrepreneurs and meet certain terms of the contract.

The available plans have a grace period, and it varies depending on the operator and the plan chosen.

What are the benefits of having a MEI health plan?

This health plan offers some advantages, compared to the individual plan, see what they are:

1. The price

Because it is an option of corporate health plan and with few people participating, the operators that offer the plans end up offering discounts of up to 40% compared to a plan for an individual.

Even though there are some variations due to condition and availability, it will always be more affordable than the individual price.

2. Quality

Likewise, there is the availability of business quality that provides broad coverage of locations and healthcare professionals.

The client still has access to good hospitals, more accurate exams, among other services that make up the plan.

Finally, it is worth highlighting that there is a good range of personalized care and options for various medical specialties.

3. Access to more options

The number of plan options available increases absurdly when you are a MEI, unlike the individual plan which has few options and plans.

Thus, the alternatives of MEI health plan They are quite varied, so you can choose the plan that best suits your needs.

It is also worth remembering that these services are provided by many large and reputable operators throughout Brazil.

Criteria for choosing a good MEI health plan

Have a good health insurance is necessary, however, you need to do it the right way using the right information.

For example, you must have at least 6 months of activity as an MEI before signing up for the plan and have at least 1 dependent.

Below are some practices you can take when choosing your plan.

Choose a plan with more complete coverage

You should look for a plan that offers the most comprehensive coverage possible. This coverage should cover doctor's appointments, laboratory tests, hospitalizations, surgeries, and other important procedures.

In turn, with regard to women, it is necessary to ensure that the plan covers obstetrics services.

This way, complete coverage will give you more peace of mind, knowing that you will have the support available when you need it.

Check the accredited network

Make sure the accredited network offering your health plan has professionals and institutions close to your workplace and residence.

The market offers regional, state, and national coverage. Remember that the broader the network, the more it will influence the plan's price. However, if you travel a lot, it may even be worth it.

MEI Health Plan: Consider the Costs and Benefits

Here, you need to analyze some of the most important parts, such as the monthly service costs, co-payments, and the plan's deductibles, calculating the cost-benefit offered.

Therefore, the customer must seek a middle ground between price and coverage that does not compromise their budget too much, and at the same time, meets their needs.

See the shortage 

One of the most important things is to check the waiting period of the health plan, which involves the stipulated time needed to start using the service offered.

Therefore, you must ensure that the periods available meet your needs. In this case, opt for plans that have a shorter waiting period or are exempt from urgent and essential procedures. 

Operator image

Analyze the health plan provider's image or reputation and how other customers rated their services.

Make sure it has financial strength and the ability to provide services; after all, your health is at stake.

What are the best MEI health plan options?

Below are some available plan options, so you can choose the one that's most affordable for your needs:

1. South America Health – Exact Plan 

SulAmérica Saúde is considered one of the largest independent insurance companies in the country, offering a variety of health plans to various companies, including MEIs.

This plan is considered ideal for those looking for a good cost-benefit with nationwide coverage.

See the features:

• Coverage throughout Brazil;
• Reduction of waiting time for groups of 3 to 10 people;
• Telephone service;
• 2 years of coverage for dependents in the event of the policyholder's death.

2. Bradesco Health – Effective Plan

This health plan option is well rated by National Supplementary Health Agency, with a great and wide network of service providers in Brazil.

However, for individual MEI, the costs are a little high, and the basic plan is not very worthwhile.

Plan Features:

• National coverage;
• Total freedom to choose network providers;
• Provides reimbursement for medical expenses.

3. Amil Plan 2000

Amil was elected the largest healthcare provider in the country and is well regarded in this regard.

Thus, the Amil 2000 plan is aimed at companies with at least 2 employees and also allows the inclusion of dependents.

In turn, Amil provides national coverage and complete hospital medical care, including consultations, exams and treatments.

MEI health plan: Features of the Amil plan:

• There is a shortage depending on the number of people in the company;
• 24-hour service;
• Complete coverage of ANS procedures;
• Advanced security system, giving access to medical history through the app;
• There is no refund for consultations and procedures;
• Values refer to the basic plan without additional charges.

4. Notre Dame Intermédica – Smart 300 Plan

Initially, Notre Dame focuses more on Individual Microentrepreneurs, with the most affordable plan being the Smart line, ideal for those who need a basic, high-quality plan.

In this sense, it also has its own certified and accredited network, and access to all specialties and exclusive benefits.

Plan Features:

• Own network of service providers;
• A club of benefits, discounts and exclusive promotions;
• Surgeries to repair myopia, hyperopia and more complex procedures;
• There is no refund;
• Covered procedures and therapies include speech therapy, occupational therapy, and nutrition;
• Limited values, no additions.

Conclusion

A good one MEI health plan, It is very important, because we are talking about our greatest asset, which is health, without it we cannot do anything or enjoy life.

Therefore, it's worth looking for a plan that matches what you're looking for and meets your needs.