Brasil Planos de Saúde (ANS)

Side-by-side comparison of 2 to 8 health-plan operators on the ANS indicators. Use for "Amil or Bradesco Saúde?", "compare the plans my company offers". For each operator: 12-month complaints index (IGR) with the median of its size class and its position, latest IDSS, latest access-to-care band, number of fines in the last 5 years, and the latest small-group readjustment. Args: operators: Names, CNPJs or ANS registry numbers, e.g. ["Amil", "Bradesco Saúde", "SulAmérica"]. coverage: "medica" (default) or "odonto".

Find Brazilian health-plan operators (operadoras de planos de saúde) registered with ANS. Use it to turn a brand the user mentions ("Unimed BH", "Amil", "Bradesco Saúde") into the ANS registry number, or to list operators by state, city or type. Largest first. Args: query: Part of the name, the CNPJ, or the ANS registry number. Accents and case don't matter. Several words must all match ("unimed campinas"). uf: State of the operator's head office, e.g. "SP", "MG". city: City of the head office, e.g. "Belo Horizonte". modality: e.g. "Cooperativa Médica", "Medicina de Grupo", "Seguradora", "Autogestão", "Odontologia de Grupo", "Filantropia", "Administradora de Benefícios" (substring match). include_cancelled: Also list operators whose registration was cancelled. limit: How many to return (default 10, max 50). Each operator: registro_ans, name, legal name, modality, head office, status, and beneficiaries and size class (porte) per coverage. Head office is not where the operator sells plans.

Everything ANS publishes about one health-plan operator, to judge whether it is a good choice. Use for "is Hapvida good?", "how does Unimed Campinas rank on complaints?", "has SulAmérica been fined?". Returns: - registration: legal name, CNPJ, modality, head office, phone, status (active or cancelled, with date and reason), beneficiaries and size class; - complaints (IGR): latest month, 12-month average, the median of operators of the same size, the operator's position among them, and the monthly series; - quality (IDSS, 0-1, higher is better) for the last 5 years with its four dimensions; - access-to-care monitoring band (0 best, 3 worst) for the last published quarters; - fines applied by ANS: totals, last 5 years, status and the most recent cases; - the readjustment applied to its small-group pool (contracts with < 30 lives). Args: operator: Name (or part of it), CNPJ, or ANS registry number. If the name matches several operators, the largest active one is used and the others are listed in outras_operadoras_com_nome_parecido: check it is the one the user meant (Unimed, for example, is hundreds of separate cooperatives). coverage: "medica" or "odonto". Default: every coverage the operator has. Always quote the month/year of each figure and explain that IGR is lower-is-better and IDSS higher-is-better (see como_ler in the result).

Rank active health-plan operators by complaints or by quality. Use for "which large health plans get the fewest complaints?", "best-rated dental plans", "worst operators in Minas Gerais". Args: by: "reclamacoes" (12-month IGR, lower is better) or "qualidade" (latest IDSS, higher is better). coverage: "medica" (default) or "odonto". porte: "pequeno" (< 20k beneficiaries), "medio" (20k-100k) or "grande" (> 100k). ANS itself only compares operators of the same size. uf: Head-office state, e.g. "MG". Not the same as where it sells plans. modality: e.g. "Cooperativa Médica", "Medicina de Grupo", "Seguradora". min_beneficiaries: Skip operators smaller than this (default 5000; tiny ones swing wildly). worst_first: True to list the worst first. limit: How many to return (default 10, max 50).

How to complain about a health plan in Brazil: the official ANS channels and the steps. Use when a user's plan denied or delayed a procedure, or they have a contract problem. Each channel was checked on the ANS consumer-service page (conferido_em).