rede própria ou rede credenciada: análise comparativa de custos em uma operadora brasileira de planos de saúde self-owned versus accredited network: comparative cost analysis in a brazilian health insurance provider

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ID: 140555
2010
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Abstract
OBJETIVO: Analisar os custos da rede própria de uma operadora brasileira de planos de saúde comparativamente com o preço cobrado pela rede credenciada, visando a identificar se a opção estratégica da operadora em ter rede própria representou vantagem econômica. MÉTODOS: Este estudo exploratório foi desenvolvido mediante pesquisa nos relatórios gerenciais da empresa. O custo da rede própria foi calculado com base nas consultas médicas e odontológicas e nos exames diagnósticos e laboratoriais realizados em uma unidade representativa da operadora. Os custos com terceirizados foram obtidos da tabela de preços praticados pela rede credenciada para os mesmos serviços analisados na rede própria. Para a quantificação dos custos foi utilizado o método de custeio pleno. Os custos são apresentados em termos absolutos (em R$) e em percentuais dos custos próprios em relação aos da rede credenciada. RESULTADOS: De modo geral há vantagem para a operadora em utilizar sua própria rede. Isso é verdadeiro para consultas médicas, odontológicas e exames. São exceções as consultas nas especialidades de pediatria e medicina do trabalho e os exames de raio-X. CONCLUSÕES: A opção da operadora pela verticalização do serviço apresenta vantagens econômicas para a empresa em relação à terceirização.
OBJECTIVE: To analyze the cost of a self-owned network maintained by a Brazilian health insurance provider as compared to the price charged by accredited service providers, so as to identify whether or not the self-owned network is economically advantageous. METHODS: For this exploratory study, the company's management reports were reviewed. The cost associated with the self-owned network was calculated based on medical and dental office visits and diagnostic/laboratory tests performed at one of the company's most representative facilities. The costs associated with third parties were derived from price tables used by the accredited network for the same services analyzed in the self-owned network. The full-cost method was used for cost quantification. Costs are presented as absolute values (in R$) and percent comparisons between self-owned network costs versus accredited network costs. RESULTS: Overall, the self-owned network was advantageous for medical and dental consultations as well as diagnostic and laboratory tests. Pediatric and labor medicine consultations and x-rays were less costly in the accredited network. CONCLUSIONS: The choice of verticalization has economic advantages for the health care insurance operator in comparison with services provided by third parties.
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souza2010revistarede Use this key to autocite in the manuscript while using SciMatic Manuscript Manager or Thesis Manager
Authors ;Marcos Antônio de Souza;Dalva Salvalaio
Journal communications on pure and applied analysis
Year 2010
DOI
DOI not found
URL
http://www.scielosp.org/scielo.php?script=sci_arttext&pid=S1020-49892010001000010
Keywords
costs and cost analysis insurance health services research brasil health tropical medicinepublic aspects of medicine

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