Why Do I Need Health Insurance if I Already Have EPS?

This is a question that many people ask themselves and it is that by having an EPS it is believed that health is covered. But the reality is different, medical procedures through POS, that is, EPS, are slower and this in serious health cases can be a great inconvenience. 

Today, we want to tell you some reasons why you should think about a Voluntary Health Plan to complement the services offered by your EPS.

What is an EPS?

According to Fasecolda, "the General System of Social Security in Health (SGSSS) is a mandatory public service, which is guaranteed to all inhabitants, being an inalienable right". 

And in order to use the services, the person must be affiliated with the Mandatory Health Plan (POS) through the Health Promotion Companies (EPS). Those who participate in the management of the health risk of the system, affirms Fasecolda.

In other words, the EPS are in charge of providing health services such as: 

• Health promotion and prevention programs
• General and specialized medicine consultation
• Hospitalization and surgery
• Clinical laboratory
• Radiology, ultrasound, scan
• Comprehensive care for pregnant women
• Vaccination
• Physical, respiratory, and speech therapy
• Prevention in oral health
• Medicines

But e n the EPS must first make an appointment with a general practitioner, who will make the referral to the specialist you require. In addition, he is the one in charge of authorizing your medical orders. 

And as we know, in some cases this can take time. Not only the schedule of the general practitioner but also that of the specialist can be busy and you will not be able to get appointments in a short time.

So Why Do I Need Health Insurance?

Well, health insurance is a Voluntary Plan that is contracted with insurance companies to complement the services of the POS. 

Health insurance plans have an additional cost and this value is paid in full by the insured with their own resources in addition to the costs paid by the EPS. 

There are three types of voluntary health plans : 

• Health insurance policies issued by insurance companies.
• Prepaid Medicine Plans issued by Prepaid Medicine entities.
• Complementary care plans issued by Health Promotion Entities.

You can choose the one that best suits your needs and budget!

But what is the importance? Having health insurance or a Voluntary Plan will provide peace of mind and security for you and your family. You will have extensive coverage and you will be able to access medical services more quickly, through specialized medical directories of your policy or contracted insurance. 

You will have access to different clinics, doctors, laboratories, medicines, among others. Additionally, you can freely choose the health professional or medical institution of your choice, even if they do not belong to the network. Dare to take out health insurance to always be calm and protected.