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Have you and your family finally decided that it is time to start searching for a quality medical aid scheme that will help you not only in emergencies but with general medical assistance? If you are one of the many South African residents that have not yet signed up for a quality medical aid scheme, then it is a good time to start exploring your different options. With a quality medical aid scheme in place you and your qualifying dependants can get the assistance that you need with basic medical cover, as well as have something in place should an emergency strike that requires medical treatment or hospitalization. Hosmed medical aid offers three different options not only to civil employees but also now to members of the private sector.
The number one priority with Hosmed medical aid is the overall health and well-being of all of its members. Regardless of any pre-existing medical conditions, chronic illnesses, or even HIV and AIDS, the staff with Hosmed wants to ensure that all of your needs are covered. It is because of this that they have created three different medical aid options from which to choose. They are the Hosmed Step option, Hosmed Value option, and the Hosmed Plus option. Although the different benefits that each of these medical aid plans offer, the focus is always on providing the members with the medical treatments, services, and access to the medical facilities that are required to obtain each of these services.
The plans start with the basic plan, the Hosmed Step, which is also the most affordable option. It provides basic coverage, which includes admittance into the major hospitals and medical facilities in the state. Admittance into these facilities does require obtaining a pre-authorisation slip. Chronic medical conditions are covered by this plan, including help with HIV and AIDS. If you are someone that needs help with obtaining over the counter medications, that is one service not provided by this basic plan, however, the other plans do offer this service.
As you progress with the different options, Hosmed medical aid gives its members additional benefits to help them with the cost of medications, access to various forms of treatments, therapies, and services. Dependent upon the plan that is chosen, members will have assistance with dental cover and a broad spectrum of other medical services. For the most comprehensive medical aid services, the best option is the Hosmed Plus option. This plan offers the most cover for yourself and the qualifying members of your family.
If you have not purchased a medical aid plan yet, then it is time that you look into your options. Do not be left without the coverage you need for standard medical assistance or for medical assistance required from medical emergencies.
Obtaining a medical aid scheme in South Africa is a big business. With so many different companies offering various different schemes, it can be difficult finding the one that will work perfectly for you and your loved ones. There are different prices and a wide variety of different types of cover and benefits that are offered dependent upon the company that you opt to get your medical cover from. Nampak Medical Aid offers its members some of the highest quality medical benefits while keeping them at rates that are highly competitive. The staff members at Nampak are aware that having medical care in place for normal visits to the doctor, or other healthcare professionals, and having something in place in case of emergencies is vital for the health and well-being of the people.
Nampak Medical Aid has a variety of special programmes in place for each individual member to benefit. Since the staff members, are aware that not all people are in the same physical and state of health these different programmes can help the individual deal with whatever medical ailment they may need special treatment. One of these special programmes is the HIV Management Programme. This programme is in place to help those individuals inflicted with either HIV or AIDS get access to the treatments that they need. The programme is also designed to let members know that they can still live normal productive lives and should be able to without being subjected to discrimination.
Some of the other programmes that are in place to help members of Nampak medical aid include the maternity programme, the oncology management programme and the renal management programme. They are in place to help with all of the necessary medical treatments, protocols, medications, and general assistance to deal with being in any of these various medical situations. With Nampak members do not have to worry over getting exactly the treatments and assistance they need because they are all established in well put together programmes that address any and all of the patient’s concerns.
Along with the various programmes that are in place, any member that has signed up for Nampak medical aid will benefit from a number of other benefits and forms of cover. There is the treatment in place for hospital stays, emergency medical treatments, as well as assistance with a list of chronic diseases. For those individuals inflicted with one of the listed chronic diseases, they will get the treatment and medications required to help lead a life that is much more normal than without these benefits.
Nampak medical aid is designed with the needs, wants, and emergency medical benefits that individuals need at the most competitive rates available on the market.
Over the years, a variety of different medical aid schemes has come into reality for the health and well-being of individuals living in South Africa. Hosmed medical aid is one of those companies that offer different medical cover options. This organization was originally created to provide cover to the local and provincial government employees but over the years that has changed. Today, not only can individuals in civil service acquire policies with Hosmed, but individuals from the private sector can also benefit for the different medical aid schemes that are offered. With a current membership that totals over 34,000 members, with the opening up the various policies to the private sector the number of individuals that benefit from the plans Hosmed has available those numbers will only increase.
What plans does Hosmed offer its members?
There are three different plans that individuals can choose from when opting to sign up with Hosmed medical aid. The three plans are the Hosmed Step option, Hosmed value option, and Hosmed plus option. Each of these three plans offers members a number of different services and treatments for dealing with not only medical emergencies but also standard preventative medical care and chronic illness treatment.
The Hosmed Step option is the most basic plan offered to individuals and their families that sign up. With this scheme, members will be able to be admitted to hospitals and facilities that are run by the State. There is the requirement of getting a pre-authorisation slip prior to being admitted. Additional benefits with this plan include assistance with chronic illnesses, HIV and AIDS. With HIV and AIDS, there is a requirement for enrolling in the HIV management programme. Furthermore, additional sign ups can be necessary for air, road, and ambulance services. One key factor to keep in mind with this cover plan, there is no coverage in place for things such as mental health, over the counter medications, as well as remedial and other therapies.
The Hosmed Value option, like the Hosmed Plus option, features all of the coverage provided by the Step option, but with an assortment of additional benefits. With the Hosmed Value option, you get the added benefit of over the counter medication being covered. Furthermore, there is cover in place for mental health, sterilization, limited dental services, and different forms of therapy. When it comes to get the most comprehensive plan from Hosmed medical aid, then Hosmed Plus is the option that you and your family needs. Hosmed plus is a comprehensive plan that covers all of the medical benefits that you and your family may need.
Hosmed medical aid is a great option for those individuals that need a variety of different cover while staying within their budget.
With Nampack medical aid, members and their beneficiaries are able to access a number of benefits designed to assist in the treatment and management of HIV and AIDS. These benefits can be accessed by registering on the Your Life HIV Management Program, which is administered by Momentum Medical Scheme.
Nampack medical aid are dedicated to the ethos that HIV sufferers should be able to live a normal and productive life wherever possible. They believe that discrimination and misunderstanding through ignorance is not acceptable. In today’s modern society we have access to advanced medical care which means that both HIV and AIDS are now considered to be a manageable chronic disease instead of the death sentence that it once was. With the Your Life management program Nampack medical aid members will have the support they need to remain healthy, something that is especially important for HIV/AIDS sufferers due to their lower immune systems.
The benefits offered by the Your Life program are designed to address total wellness, not just the HIV virus. AIDS and HIV manifest differently in different patients meaning that all patients registered on the program have their own specific needs. When registering on the program each member is allocated a dedicated consultant who will create a management program within your allocated budget.
Post Exposure Treatment Benefits
Members can access advice and recommended antiretroviral treatments which are intended to prevent infection by the HIV virus in the case of accidental exposure. This has to be done within two to six hours of the exposure to the virus for the best treatment results. An HIV diagnosis can be devastating and it brings with it many emotions and social burdens. Staff involved with the program are trained to a very high standard and are fully experienced in these issues. Members will be given support every step of the way in overcoming your fears. The main goal is to help members of the program to learn how they can live a positive and more importantly healthy life even after contracting HIV or AIDS.
Confidentiality Guaranteed
Nampack medical aid reassure their members that confidentiality is of the utmost importance. They state that anyone who has the courage to disclose that they have a condition like HIV or AIDS deserves only respect and all staff will offer this to those members. Your condition will be disclosed only to your medical team so there is no need to be concerned that other people, including your employer, would ever learn of your condition.
LA Health medical aid is part of the more well known Discovery Health Ltd. The scheme currently provides cover to nearly 65,000 members primarily from the local government industry. Although the LA Health brand is often overshadowed by the Discovery name, the scheme has actually been in operation for around 40 years.
The program focuses on enhancing the lifestyle that their members currently enjoy based on extensive research which indicates that making small, sustainable adjustments to your day to day life can make a positive impact on your overall health and can even help to prevent certain diseases. Some of the changes advocated by LA Health medial aid include:
Being more physically active.
Following a healthy eating plan.
Taking preventative measures.
Making good lifestyle choices.
These seemingly insignificant changes to your every day habits can make a substantial difference in both improving and maintaining your overall well-being, not just physically but also mentally and spiritually.
LA Health medical aid members can choose from five different plans all of which offer integrated health and lifestyle benefits which will help members with their quest for a healthier lifestyle. Across these various options the scheme strives to be able to cater for any member’s individual needs. The plans offered include:
LA KeyPlus
LA Focus
LA Active
LA Core
LA Comprehensive
Chronic Illness Cover
One of the things that really sets LA Health medical aid apart from similar schemes is the long list of illnesses which are covered in full under all five plans. These include Bipolar Disorder, COPD (Chronic Obstructive Pulmonary Disease), Haemophilia, HIV & AIDS, Multiple Sclerosis and Parkinson’s Disease among many others. Partial cover is also offered on a range of other conditions including organ transplant, stroke and major psychiatric disorders. The scheme also operates a dedicated oncology program which is also accessible to members on all plans.
Day To Day Medical Expenses
Depending on the plan level selected, members are also covered for many of those day to day medical expenses including eye care, dentistry, doctor’s appointments, over the counter medication and prescription treatments. With the higher level plans there is also additional access to a medical savings account
Preventative Measures
As noted, LA Health medical aid id passionate about improving health and they advocate preventative measures to help members avoid illness. Some of the preventative care benefits offered at some plan levels includes :
flu vaccination
mammograms
pap smears
prostate antigen screenings
annual vitality checks
cholesterol and blood pressure monitoring
LA Health medical aid certainly has a somewhat unique take on how to approach health care schemes. Their focus on making positive lifestyle changes is something that other providers should be looking at since healthier members will surely mean more affordable premiums!
When it comes to securing access to health care, most South Africans just want a medical aid scheme which is straightforward and easy for them to understand. That is exactly what Hosmed medical aid strive to offer to their members. This particular medical aid scheme is available to both the private and public sectors in South Africa. The Hosmed medical aid scheme was first established in the late eighties with the goal of securing health care for civil employees, but it has now grown at a steady rate and now boasts around 34,000 members.
The key thing that most people look for in a medical aid program is a good selection of benefits at an affordable rate. There are three main plans offered by Hosmed medical aid all of which certainly offer a great combination of benefits that do not carry exorbitant premiums.
The Hosmed Step Option
The basic level of medical aid offered to the public is the Step Option which offers admission to any state run medical facility including hospitals, clinics and treatment centres. These admissions do need to be backed with a pre-authorisation slip. The plan also offers a number of high risk benefits including coverage for chronic illness that does not exclude HIV and AIDS. This is something that many other schemes charge a surcharge for, although the Hosmed medical aid do pace several protocols on this cover. However, HIV management cases will only be approved if the patient is a member of the scheme prior to treatment beginning.
The Hosmed Value Option
If the step plan does not seem the right fit, then the mid level plan may be a better option. The Hosmed Value Option offers most of the same benefits that the Step Option does, but one of the main additions is that this particular scheme option offers a very attractive day to day option which covers over the counter medication with a limit of R500 per family or R120 per prescription. Additional cover offered also includes treatment for mental health issues, physiotherapy and alternative therapies.
The Hosmed Plus Option
At the top level of the scale, Hosmed medical aid offer the Plus Option plan. This is the most fully comprehensive plan offered by the scheme. The over the counter medication usage limits are higher with an annual family limit of R850 and a per prescription maximum of R180. The plan also includes cover for prescription medication. There are also some increases in the day to day benefits.
The important thing to keep in mind if you feel that Hosmed medical aid is an appropriate choice for you is that you need to decide what your needs are prior to choosing a plan. This means taking a closer look at the benefits offered and also at the general health of you and your family members.
We often think of medical aid as just an everyday part of our lives, something that has always been around, but few of us know the history behind it. Medical aid was introduced in America in the 1950’s and did not make its way to South Africa until the 1980’s. Some of the very first medical aid programs that were offered were hospital cash back schemes which are still sold in countries all over the world today. The popularity of medical aid really exploded in South Africa once it had arrived here and by 1989 there had already been over 50,000 policies sold. This figure continued to rise throughout the 1990’s, largely through direct marketing campaigns and advertising in the media.
Main Building of Groote Schuur Hospital – Cape Town (South Africa) (Photo credit: Wikipedia)
In the beginning, the only policies that were available were sold on a group basis. It was not until the start of the 1990’s that individual medical aid schemes became widely available. There were around 13 different medical aid providers across South Africa by 1991. It was in South Africa that so called ‘dread disease cover’, which includes 36 critical illnesses including cancer, stroke, organ transplant and other conditions with a major impact on daily life, first began here in South Africa. This cover is now offered worldwide. Following the dread disease cover, came disability cover, and by the mid 1990’s medical aid was beginning to resemble what we know today.
Statistics suggest that by around 1994 the annual premiums for dread disease and disability coverage had reached over R21 million policies, suggesting that most of the population was signing up for medical aid in order to safeguard against unforeseen medical problems in the future. Within the next five years this had increased to R53 million.
Moving into the present day, medical aid providers cover a wide range of health issues and offer multiple policies allowing everyone to find cover that is suitable for their family’s individual needs. This includes special medical aid programs for those suffering from AIDS or HIV. This is particularly important since in South Africa we have one of the highest rates of HIV infection.
The key thing to remember is that medical aid is constantly evolving, so even if you have found it difficult to get appropriate medical care in the past, there may now be a suitable product for your situation. If you are looking for medical aid quotes, then here at medical-aid.co.za we can compare a number of different providers for you saving you a great deal of time and effort. We will check policies with all of the South African providers to make sure that you are getting the best possible deal.
