Have you ever been put on hold for querying a medical aid claim? Have you spent hours trying to get authorisation for a medical procedure? If you have answered ‘yes’ to any of these questions, you will understand why many people feel that medical aids are responsible for more headaches than cheap red box-wine.
One would expect your medical aid to reduce and relieve headaches, but often dealing with medical scheme call centres will leave you feeling angry and frustrated. Adding insult to injury, you might further feel confused and exasperated, because you are unsure if your current benefit option is comprehensive enough to cover your healthcare needs. Or perhaps your medical aid premium is “burning” a hole in your pocket and you are unsure as to what to do about it!
Contrary to popular belief, medical aid schemes are not run by thieves whose sole purpose is to separate people from their hard-earned money. The medical aid industry is very strictly controlled by the Council for Medical Schemes to ensure that all registered medical aids adhere to the rules and regulations as set out in the Medical Schemes Act.
The possibility that you might not fully understand how medical schemes function and that you have been victim to obnoxious and uncaring call centre agents, might be a more plausible reason for your feelings. It could also explain why you are filled to the brim with a sea of questions that seemingly have no answers.
- How do medical schemes construct their benefit options and how do they decide which medical procedures they are willing to pay for?
- Why do they differentiate between out-of-hospital and in-hospital benefits?
- When and what are my medical savings used for?
- Why is my “self-payment gap” so big, and when does any above threshold benefit come into play?
If you are beginning to question your own ability to make informed decisions pertaining to your healthcare cover, there is no need to fret, because the solution is simpler than you might think. There is an easy way in which you can empower yourself to fully understand the intricacies surrounding medical schemes, while getting the peace of mind you deserve.
By appointing a qualified and experienced healthcare broker, you will have access to years of industry knowledge and insights that will equip you to make the best decisions. A specialised healthcare broker knows how medical schemes think and function, understands those impossible benefit brochures and comprehends the tricky point systems relating to reward programmes.
The best part is that the qualified medical aid brokers fees are already included in your monthly premium, as regulated by the Council of Medical Schemes. This means that if your current medical aid premium is R1000,00 per month and you decide to appoint a healthcare broker, you will keep on paying R1000,00 per month.
You never have to hold for call centre agent, you never have to decipher a benefit brochure and you never have to worry about getting authorisations from your medical aid ever again – we will do all of that on your behalf at no extra cost.
For being the cure to the headache that comes with managing your own medical aid, a healthcare broker will most definitely improve your quality of life. It is one of the first steps on the road to financial wellness and growth.
Isn’t it time that you took that first step? Get in touch with us today and let’s embark on that journey together, starting with your healthcare needs.