Isapre Prices

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Space Cat
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Re: Isapre Prices

Post by Space Cat » Wed Apr 10, 2019 10:09 am

tiagoabner wrote:
Wed Apr 10, 2019 9:29 am
I've heard about this, but it didn't affect me because we were on our tax holiday during our first run. Have you checked with them if the <SPAM WORD> use is restricted to meds only, or can you also use it to purchase other non-med items? It might be worth taking a look at it, specially if you live close to one of the pharmacies where you can spend this money.
It depends on ISAPRE, some of them even have online stores and sell sport equipment, including bicycles. The idea is that you have to spend this money only on health-related things and services.

Banmedica has a list of 8,000 drugs that you can buy directly with "excedentes" but you have to request "reembolsos" for others. From their page about this system:
Aprovecha los excedentes para mejor tu cobertura y obtener beneficios:

Comprar bonos de consultas y exámenes
Pagar cotizaciones en caso de cesantía
Comprar medicamentos en farmacias
Pagar cuotas de préstamos de salud
Financiar prestaciones de salud que no están cubiertas por tu plan
Contratar beneficios y coberturas adicionales
Pagar atenciones en centros dentales
Comprar lentes ópticos y de contacto
Además, cuando solicites un reembolso, podrás pedir que la parte no cubierta sea reembolsada con cargo a tus excedentes

Britkid
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Re: Isapre Prices

Post by Britkid » Wed Apr 10, 2019 3:29 pm

Thanks for the comments, including mentioning that the lawyers don't charge. That makes me reconsider a bit.

How much time would it take up though? Filling out forms, having to go to Santiago, anything like that is a turn off for me. Not how I want to spend my time. I think if I knew it would take only an hour or two of my time and I wouldn't have to leave the house I would try it, but I don't want to sink three hours of my time in, realize I'm getting nowhere, and give up. Has anyone done it? How many hours of your time did it take?

If a company makes you use a lawyer to get a good deal, they may be better avoided?

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Space Cat
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Re: Isapre Prices

Post by Space Cat » Wed Apr 10, 2019 8:38 pm

By the way, this year independent workers (honorarios) can opt-out for "cobertura parcial": in this mode SII charges only 5% of AFP and ISAPRE/FONASA contributions. It will grow each year for 10 years until it will reach 100%.

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Space Cat
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Re: Isapre Prices

Post by Space Cat » Tue Apr 23, 2019 1:43 am

The government starts a healthcare reform and the ISAPREs are getting punished for their greed:
https://www.gob.cl/reformasalud/isapres/

The reform will:
  • create one single plan for all ISAPREs, regulated by the government
  • eliminate checking for preexisting conditions
  • eliminate the discrimination by gender (now women pay 200% or more of men's costs)
  • reduce the costs for older or chronically ill people
  • set an annual costs limit for a family after which ISAPREs must cover 100%
  • allow to easily switch between ISAPREs yearly
  • and more...

thisisreallycomplicated
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Re: Isapre Prices

Post by thisisreallycomplicated » Tue Apr 23, 2019 2:12 am

Space Cat wrote:
Wed Apr 10, 2019 8:38 pm
By the way, this year independent workers (honorarios) can opt-out for "cobertura parcial": in this mode SII charges only 5% of AFP and ISAPRE/FONASA contributions. It will grow each year for 10 years until it will reach 100%.
I noticed that my AFP costs were a lot lower this year. I was hoping it was permanent, but it sounds like it's not:(
“Now it’s conspiracy – they’ve made that something that should not even be entertained for a minute, that powerful people might get together and have a plan. Doesn’t happen, you’re a kook, you’re a conspiracy buff!” – George Carlin

thisisreallycomplicated
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Re: Isapre Prices

Post by thisisreallycomplicated » Tue Apr 23, 2019 2:14 am

Space Cat wrote:
Tue Apr 23, 2019 1:43 am
[*] eliminate the discrimination by gender (now women pay 200% or more of men's costs)
Does that mean we'll get male maternity benefits, just like obamacare?
“Now it’s conspiracy – they’ve made that something that should not even be entertained for a minute, that powerful people might get together and have a plan. Doesn’t happen, you’re a kook, you’re a conspiracy buff!” – George Carlin

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Re: Isapre Prices

Post by admin » Tue Apr 23, 2019 8:12 am

Space Cat wrote:
Tue Apr 23, 2019 1:43 am
The government starts a healthcare reform and the ISAPREs are getting punished for their greed:
https://www.gob.cl/reformasalud/isapres/

The reform will:
  • create one single plan for all ISAPREs, regulated by the government
  • eliminate checking for preexisting conditions
  • eliminate the discrimination by gender (now women pay 200% or more of men's costs)
  • reduce the costs for older or chronically ill people
  • set an annual costs limit for a family after which ISAPREs must cover 100%
  • allow to easily switch between ISAPREs yearly
  • and more...
yea they buggered themselves. you would think they would know better than to push their luck to the point they get on Congress's radar screen.

same thing happened with the smart meters and the electric companies. they had the chance to standup and pay for the switch to smart meters, instead they thought they would stick the users with the bill and get away with just a 10,000 peso repurchase of the old meters.

the irony of this "right wing" pinera administration in chile, is they have a tendency to bend over backwards to prove they are not that right wing and try to out socialize socialist on the left, leaving them no high ground to take on an issue. It takes them a little bit to get going, but they seem to get their pretty quick on most issues once they see the populace writing on the wall. They have been able to kick a lot of the industries and rich families in the teath, and they seem to so far be taking it with a smile. probably because as bad as it might hurt them, it has not hurt them nearly as bad as bachelet and commie friends screwing up the economy with half baked policies and laws.
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StrawberryHeartsForever
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Re: Isapre Prices

Post by StrawberryHeartsForever » Tue Apr 23, 2019 11:01 am

When I get that letter, you can appeal the rise with the Superintendencia de Salud. You don't need a lawyer at all. You have to upload a pdf copy of your letter to the website and both sides of your cédula. You have to do this within a month of receiving the letter. While this trámite is in process, the Isapre can not raise your monthly fee, and they always rule in favor of the person.

For what it is worth, I am paying 150,000 for me and my 3 year old son with Cruz Blanca.

Here is the link to where you make the complaint:
http://www.supersalud.gob.cl/servicios/ ... 10044.html

Britkid
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Re: Isapre Prices

Post by Britkid » Tue Apr 23, 2019 8:24 pm

Sounds like it's worth a try, thanks.

Still think that's a screwy system.

SpaceCat, thanks for your post also. I am not sure when the new system comes in but sounds like it might be good.

at46
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Re: Isapre Prices

Post by at46 » Tue Apr 23, 2019 10:18 pm

StrawberryHeartsForever wrote:
Tue Apr 23, 2019 11:01 am
When I get that letter, you can appeal the rise with the Superintendencia de Salud. You don't need a lawyer at all. You have to upload a pdf copy of your letter to the website and both sides of your cédula. You have to do this within a month of receiving the letter. While this trámite is in process, the Isapre can not raise your monthly fee, and they always rule in favor of the person.

For what it is worth, I am paying 150,000 for me and my 3 year old son with Cruz Blanca.

Here is the link to where you make the complaint:
http://www.supersalud.gob.cl/servicios/ ... 10044.html
My Cruz Blanca plan was going to go up 10% this year. I'm fighting it with the help of this lawyer's office whose services are supposed to be free for me. <link removed by admin>

at46
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Re: Isapre Prices

Post by at46 » Tue Apr 23, 2019 10:22 pm

Space Cat wrote:
Tue Apr 23, 2019 1:43 am
The government starts a healthcare reform and the ISAPREs are getting punished for their greed:
https://www.gob.cl/reformasalud/isapres/

The reform will:
  • create one single plan for all ISAPREs, regulated by the government
  • eliminate checking for preexisting conditions
  • eliminate the discrimination by gender (now women pay 200% or more of men's costs)
  • reduce the costs for older or chronically ill people
  • set an annual costs limit for a family after which ISAPREs must cover 100%
  • allow to easily switch between ISAPREs yearly
  • and more...
Wow, this would be so good! I've started to worry recently if I'd be able to live here long-term given the shitty medical system, but this gives me hope.

scandinavian
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Re: Isapre Prices

Post by scandinavian » Wed Apr 24, 2019 12:00 pm

StrawberryHeartsForever wrote:
Tue Apr 23, 2019 11:01 am
When I get that letter, you can appeal the rise with the Superintendencia de Salud. You don't need a lawyer at all. You have to upload a pdf copy of your letter to the website and both sides of your cédula. You have to do this within a month of receiving the letter. While this trámite is in process, the Isapre can not raise your monthly fee, and they always rule in favor of the person.

For what it is worth, I am paying 150,000 for me and my 3 year old son with Cruz Blanca.

Here is the link to where you make the complaint:
http://www.supersalud.gob.cl/servicios/ ... 10044.html
Thanks for this. I just tried, but it says that Banmedica has not increased it prices this year (even though there is a public URL on their homepage explaining why they need to raise costs with 4.9% (https://www.banmedica.cl/noticia/proces ... 2019-2020/))
It is not possible to complete the form due to this - Of course, the options for contacting Superintendencia de Salud online are not working either.

Did you do it this year or in earlier years?

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