AMUR (Rural Mutual Association) is the first prepaid company that has started the official registration process to carry out Social Work, according to what it said Clarion social security specialist Rafael Martínez.
AMUR basically serves the members of the provinces of Santa Fe, Entre Ríos and part of Córdoba. Has about 30,000 capita of which between 65 and 70% correspond to the withdrawal of contributions from dependent employees, according to what the owner Ariel Mana told this newspaper. For this derivation of contributions, Amur has agreements with 3 social works unions.
-Why did you register in the National Registry of Healthcare Agents? churches Clarion in Mana.
-We accept the challenge of change and performance-related risks. From an economic point of view, the system currently allows the derivation of contributions, but along the way resources are lost due to the intermediation commission with the Social Works Union, affecting both the quality of the services and the values to be represented. transferred to healthcare providers. The financial aspect is also very important because all this intermediation generates delays of 60 to 90 days in the receipt by the AMUR of the contributions paid by employees and employers, a period that the prepaid companies must transfer to the health service providers and that many conflicts bring with them, especially in periods of high inflation like the one we are suffering, and that this would resolve.
–But will they from now on have to contribute 20% of the value of their membership fees to the Redistribution Fund which finances expensive and highly complex treatments?
– Our analysis is based on the assumption that 15% is discounted from the derivation of the contributions we already receive, i.e. the largest contribution would be 5 points, which is more than compensated by the savings on the brokerage commission. And we must contribute 20% of the contributions to an Overcoming Plan even if we are not registered in the Registry, so the economic advantages in terms of payment remain to be considered.
-Have you considered that you should give the same coverage to both low- and high-wage workers?
-Even if we believe that there is a lack of regulation from an internal point of view, this would be the operation. With contributions and contributions, affiliate-partners would be covered by the PMO (Mandatory Medical Program) as currently in Obra Social and our provider network. If the contribution is equal to the amount of our Superior Line Plans, the member has the option to upgrade to a Superior Plan without paying any supplement and according to the conditions and providers included in it. And if the member does not cover an Override Plan with his contributions, he can contract it by paying the differential.
According to Rafael Martinez, “this possibility of increasing the value of contributions is an advantage for prepaid companies in competition with social works, which cannot increase their prices, since they are limited by the 9% ceiling on remunerations, which establishes the law n. 23,660 on Social Works”. .
Source: Clarin
