Medical Aid Schemes In South Africa.

Here is how you can cut your medical costs. Money is quite tight for most people this time of year. Everyone is cutting corners, cutting down or just plain cutting away on things that are not essential. And worst yet, medical aid schemes in South Africa are said to be 5 times more expensive than anywhere else in the world.

Yes, your medical needs should be considered first and foremost. Should you be healthy and don’t have any chronic diseases, a hospital plan might be just what you need. However, as you get older, you might be prone to chronic conditions, which might bankrupt you if you don’t have cover for any expenses out-of-hospital.

Should you have no cover at all, the cost of an emergency surgery or injury could be crippling. While there are many government hospitals that offer excellent services and facilities, there are plenty that don’t. Paying for a private hospital out of your own pocket will then cost you the same as buying a good second-hand car. But, only if the operation is small and you know how much it cost.

Medical Aid Schemes In South Africa Cost Reducing Tips.

1. Stick To The Well Known Medical Aid Schemes. This will be cheaper than going for an open-market medical scheme where you’ll have little bargaining power. Also, take note, closed schemes often charge you based on your income so it’s good for low or middle-income earners.
2. Let’s say you have 2 children. It will be cheaper for you and your spouse to have one medical aid scheme.

2. Should you work for a company that follows their own medical aid, it will be best to take their medical aid as companies usually pay for a percentage of the medical aid. Which means you save money.
3. Some medical aid schemes in South Africa have very high premiums. So if you don’t get ill often, don’t take the most expensive medical aid. Pick something that suits you and has the right benefits for you.
4. Chronic conditions or prescribed minimum benefits indicates which conditions medical schemes have to continue treating, even if an individual member’s benefits have run out. Should you suffer from one of these conditions, ask your GP whether there is a suitable generic for the medication prescribed for you. This way you can keep the costs down.
5. If you have an over the counter facility on your medical scheme, use it. Always use the benefits your medical aid scheme provides.
6. Get a hospital plan with medical aid benefits like Day1health. Why pay so much for a medical aid when you can get all the benefits of one, in a hospital plan.
7. Unless there’s a medical emergency, don’t be shy to ask your medical aid exactly what you will be covered for before you’re admitted to a private hospital.
8. Many OTC medications are available at supermarkets. Things such as headache tablets, vitamin pills and antacids are generally much cheaper at the supermarket than they are in the chemist, as the supermarket buys these things in bulk.
9. Get your medical scheme to help you audit your medical bill. If there are inconsistencies, a complaint from them will probably have more clout than a complaint from a single individual. Schemes are usually helpful in this regard, because ultimately they are the ones footing the bill.

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