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Due to the plethora of medical aid providers in South Africa at the moment, more people than ever before are able to afford quality healthcare. In the past this was not always the case, and there are many people that still do not have the right amount of medical aid cover. Those people that still refuse to entertain the idea of having private medical insurance are not only putting their own health at risk, but they are risking the wellbeing of their families too. In this article we will look at some of the details relating to medical aid cover, as well as how to select a suitable healthcare plan that is likely to cover you against treatment costs.
In order to combat the ignorance that surrounds the private medical insurance business, Discovery Health Medical Aid Plans have been designed to help those people on low incomes to be able to afford the right amount of medical aid cover when they need it. Due to the advancement in modern technology and medical advances, modern day medical treatment can be expensive, and if you want to benefit from the latest medical advances, then you are going to have to pay for it. The problem with government owned medical facilities is that they are often the last to get the latest in medical technology, medication and know how. This is something that could mean years of suffering if your medical condition is serious, and that is not to mention the lengthy waiting times for treatment.
How much you pay for your medical aid cover will depend on how much coverage you want to pay for, and Discovery Medical Aid Plans are designed to meet the needs of people from all walks of life and backgrounds. From the basic hospital plan to the healthcare plans more suited to professional people, there is a medical aid scheme to suit nearly everyone, no matter how much they have to spend.
Even if you already have a pre-existing chronic medical condition you will still be eligible to join a medical aid scheme. There may well be a probation period at the start of the scheme where you will not be eligible for treatment for a few months despite having paid some premiums. This is entirely normal and is just a method that the insurance company uses to save money.
Illness and injury are two things that are likely to affect most people at some point in their lives, and the best way to overcome serious illness or injury is to make sure that you are prepared for it in advance. Recovering from a serious illness or a debilitating injury can take a lot of time and energy, and the last thing you want to be worrying about as you try to recover, is the cost of your medical bills. That is why it is important to make sure that you and your loved ones are covered by a medical insurance policy which will cover all of your medical costs as and when they arrive.
Companies such as, Nampak Medical Aid, have been providing the people of South Africa with a wide range of medical aid packages for many years. When you sign up for one of the medical aid packages provided by Nampak Medical Aid, you are getting a number of benefits which will allow you to receive speedy and proficient medical assistance should the need arise.
The medical aid policies offered by Nampak are open to everybody, from professionals, employers and the general public. When you sign up with Nampak you are going to get the best response to an emergency medical situation, and that includes a speedy response time and transportation to a hospital.
The Nampak website has been divided into a number of different sections so that visitors can find out the information that is relevant to them quickly and easily. Visitors can also use the Nampak website to register for one of their healthcare policies, and this is done quickly and easily by completing the online form.
There are plenty of medical aid companies in South Africa at the moment, however, searching for the right policy that fits in with your needs can be difficult. All of them offer something a little bit different as well as varying greatly in price, yet if you want a medical aid company that has the most comprehensive medical aid schemes around, then Nampak is the solution.
Nampak works in conjunction with a number of healthcare professionals to ensure that you have access to the best possible healthcare 24 hours of the day, 7 days of the week. Nampak members can rest assured that they will receive a speedy response to their medical problems, however, because the policies do differ in the level of coverage they provide, it is important for the member to choose a policy that best suits their needs and situation.
People with dependants can also benefit from joining Nampak, as they offer a comprehensive range of antenatal and pregnancy care options.
One of the up and coming medical aid schemes at the moment is Gems Medical Aid which can offer plans that are a little different to those offered by the more well known plans such as Discovery and Bonitas. Gem medical aid is primarily aimed at providing healthcare to suit government employees. The scheme has five affordable plans which have been created with members’ needs in mind.
Gems medical aid aims to provide members with access to an extensive range of benefits while still maintaining affordable monthly premiums. Gems provides access to quality healthcare to public service employees and low income families. Gems medical aid members can also receive medical care at private clinics, access disease management programs and get emergency care as required. Let’s take a closer look at the plans on offer to Gems medical aid members.
The Sapphire Plan
The Sapphire Plan from Gems medical aid offers members access to a large network of health care providers including pharmacists, dentists and GPs among other services. Plan members do not need to pay any additional fees for treatment and consultations received within this network.
The Beryl Plan
Beryl offers all of the same benefits of the Sapphire plan, but members also have access to some additional benefits including out-of-hospital over, chronic mediation cover, maternity programs, dental cover, HIV/AIDS management, Oncology cover and optometry care.
The Ruby Plan
The Ruby Plan allows Gems medical aid members with an additional level of care. Not only do they get access to care programs for chronic diseases which will provide both them and their families with the necessary support and medical care they need, but the plan also includes a savings account.
The Emerald Plan
With the Emerald option plan members still have to make use of the approved GEM network of health care providers if they are to avoid out of pocket expenses, but using them is not required. It is necessary to seek re-authorisation for hospital visits including out patient visits, physiotherapy and ambulance transport.
The Onyx Plan
The upper level plan offered by Gems medical aid is the Onyx plan which offers members very specialist care programmes to help manage a range of chronic diseases. This includes education about a number of conditions including asthma, diabetes and mental health. There is no requirement for Onyx members to use the GEM network of providers, but doing so will remove the potential for out of pocket expenses.
Pre-Authorisation For Gems Medical Aid Plans
The various plans do require pre-authorisation when it comes to specialist dentistry, physiotherapy, out-patient hospital treatments, MRI scans and CT scans. Ambulance transportation is also a requirement for re-authorisation.
In conclusion, Gem medical aid presents the ideal solution for government employees and low income employees who are looking for quality healthcare at affordable rates while also gaining access to great benefits.
Transmed is one of the many private medical aid programs which medical-aid.co.za can provide you a quote from. Transmed medical aid have a huge range of health care related services which is one of the reasons that they are considered to be one of South Africa’s premier medical aid providers. One of the key selling points for Transmed is that their policies offer a large range of benefits which can be extended to the primary member’s immediate family.
A Closer Look at the Transmed Medical Aid Program
The main focus of Transmed medical aid programs lies in taking into consideration the people who require the medical coverage. One example of this is the fact that when members are signed up via their employer, even in the event of them being terminated due to disability, ill-health or retirement the deal agreed with Transmed will still apply. This means that even if updates are made to the plan after the member’s employment is terminated, the new benefits will still apply.
As noted, Transmed offers a range of different medical aid plans to their members. The three most popular Transmed medical aid plans are:
State Plus Network
State Plus Own Choice
Private Network Saver
The State Plus Network plan can offer members a wide range of benefits including the day to day services of clinics and physicians and will allow for hospitalization in either State enhanced or basic medical facilities, while the State Plus Own Choice plan will also allow for state owned medical centers.
If a member prefers to opt for care in a private hospital, then they can do so, but only if the hospital or clinic is one of the Transmed Private Hospital Network. However, acceptance can only occur if admittance to such a facility can be considered involuntary. For instance, if the required treatment is only available at a private facility. This can include both planned treatment and emergency care.
Managed Care Programmes From Transmed
Transmed medical aid also offers managed care programs designed for the over 60’s. One such program is the Eldercare system which offers support not only for the elder,but also for their family members. Eldercare promotes ‘healthy aging’ and will allow members to become further educated in dealing with the illnesses that commonly affect older people. In addition to the Eldercare system, Transmed also offer HIV care programs and Oncology care. These managed care programmes are intended to help members find the most appropriate treatment and care as well as support them in living a normal life as much as is possible.
When people who do not belong to a medical aid scheme are asked why not, they often cite one or two reasons why they are leaving their health care to chance. The main reason is that they find that the cost of medical aid schemes to be prohibitive. If they are on a low income then they feel that spending what is left of their hard earned money on medical assistance is something that they cannot afford. However, thanks to Liberty Medical, there is now a way in which they can afford to become part of a medical aid scheme, without breaking the bank. Liberty Medical now offers medical aid schemes that give great coverage for all those annoying medical problems whilst keeping costs down. They offer several differing plans that you can choose from and even tailor to your individual needs so that you know you are getting the right level of coverage you need for a price you can afford.
You can choose to either sign up to one of their medical aid schemes online or opt for speaking to a salesperson that will be able to allay any concerns you might have. It is a good idea to make sure that you know exactly what level of medical aid you are getting for your money, so that there are no hidden surprises later on when the worst happens and you need to make a claim.
Making sure that you have the right medical coverage is crucial in order to avoid the problems that can arise in the future. An overnight stay in hospital or a long-term illness can mean that you are going to have to pay some hefty medical bills, so it is important that you be covered for things such as prescription medication and hospital visits. There may even be times when you will require the services of a specialist and there are medical aid schemes that will cover this so long as you go through the correct referral process.
Claiming on your medical aid scheme is easy as well, and for the majority of cases, the health care provider will submit the details. You do not have to do anything, so long as the medical aid covers the health care you require, and the medical aid company will pay the money to the healthcare provider directly.
It is very easy to sign up for one of the many different Liberty Medical, medical aid schemes and when you do you will be left with the knowledge that you are going to be looked after when the unfortunate happens. No one likes to think for too long about the prospect of injury or illness befalling themselves or their loved ones, but it is something that can happen when you least expect it. Having the right level of medical insurance means that when the time comes, you can concentrate on getting better without the added worry of having to pay for sizable medical bills.
Due to the plethora of medical aid providers in South Africa at the moment, more people than ever before are able to afford quality healthcare. In the past this was not always the case, and there are many people that still do not have the right amount of medical aid cover. Those people that still refuse to entertain the idea of having private medical insurance are not only putting their own health at risk, but they are risking the wellbeing of their families too. In this article we will look at some of the details relating to medical aid cover, as well as how to select a suitable healthcare plan that is likely to cover you against treatment costs.
