ANSES: put a limit on social work discounts and implement a new authorization system to deduct contributions

The measure was announced through Resolution 970/2024 published this Thursday in the Official Gazette and clarifies that the beneficiary must give consent virtually or in person for the discounts to be made or even to cancel them.

“In the same sense, in case of expiration or pre-cancellation of credits,Beneficiary policyholders may choose to maintain or cancel the social fee discount. or affiliation with the respective Entity,” they explained.

Cap on union membership discounts

At the same time it establishes limits to the process of increasing discounts to social-union membership fees or special non-credit services received by Third Entities through the non-mandatory discount system.

In this framework, the ANSES will oversee the incidence of discounts on salaries and establishes a double ceiling for membership/social/union increases, made up of an update by the Consumer Price Index (CPI) and a fixed percentage of the minimum asset.

At the same time, it clarifies that, “all those Entities that request discount codes to grant credits and other special services must prove, as a condition precedent to the beginning of their operations in the system referred to in this administrative act, that they have respective civil liability and surety insurance, since it is essential to promote the entry of Entities that offer sufficient financial and asset solvency, in order to provide the credit operation with the legal and economic security that allows the operation to be guaranteed.”

End of the triangulation of contributions between prepaid and social works

As of December 1, 2024, all entities that offer health plans financed in whole or in part with funds from social security must register in the National Registry of Health Insurance Agents (RNAS).

This measure puts an end to the triangulation between social and prepaid worksallowing registered workers to make their contributions directly to the prepaid medicine company of their choice, without having to go through a union social work.

Until now, prepaid medicine companies, such as Swiss Medical, Galen or OSDE, among others, they could not directly receive contributions from registered workers. The system was designed in such a way that the funds had to first go through a social work, which acted as an intermediary and retained a part of the money.

This situation increased the cost of the service for members, who had to cover the difference between the contributions received for the prepaid plan and the real value of the plan.

With the elimination of triangulation, More than 6.3 million Argentines covered by prepaid medicine companies will be able to choose their providers without having to depend on a union social work. In this way, registered workers will have the freedom to allocate their contributions directly to the prepaid ones, simplifying the process and reducing additional costs.