The LA Health Medical Aid scheme is one of the oldest in South Africa, and it has been in existence for over 4 decades. The scheme is intended to allow people working for local governments in various regions of South Africa. LA Health Medical Aid offer 5 different healthcare plans for their members to choose from, and they include LA KeyPlus, LA Focus, LA Active, LA Core and LA Comprehensive, so there is bound to be something there to suit most needs and budgets. In this article, we will take a closer look at why you need to keep an eye on your medical aid plan, and why you will need to change it as your life changes.
For those of you that do not know what medical aid is, a medical aid scheme is a scheme whereby you receive financial assistance should you require medical treatment, primarily in private medical facilities, rather than public healthcare facilities. Healthcare plans range from the basic, entry-level plans which only offer cover against hospital treatments, to much more detailed plans which can cover every day medical expenses, as well as treatment costs associated with chronic conditions.
In order to make sure that your medical aid coverage is still up to date, it is worth checking your policy from time to time, as your lifestyle and health can change as you get older. If you are young, fit and single, then you will not really need to join the most comprehensive healthcare scheme, and you could get by with just having a hospital plan. As you get older and have children, you will need to change your healthcare scheme to cover your maternity needs, as well as making sure that your children are covered against illness and injury. Eventually, as you get older, your own health will deteriorate, your children will leave home, and you will need to take another look at your medical aid plan, and make the necessary changes.
Keeping you healthcare plan up to date, will ensure that you are getting the level of coverage that you deserve for the amount of money that you are paying in premiums each month. Otherwise, you could find that there are gaps in your medical aid coverage, and you will have to pay for the treatments out of your own pocket.
