Top 10 Tips to Help You
Find More Affordable Medical Aid
We all struggle everyday to make financial ends meet, one of the main goals we
strive to find is an affordable medical aid. With so many options available it is essential that you consider
all the aspects of the possible funds you are evaluating in order to find the
best medical scheme.
Medical aids in South Africa are in a constant battle to
provide better premiums, and even if you do find the cheapest medical aid available, it might not be the best
option. Cheaper medical aids offer less cover and do not always pay the full fees suggested. If it is possible
rather acquire a fund that is a little more expensive but provides you with better
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plan quote by email Click
Ten tips to have a more affordable medical
- Do not always go for the first available
option. Employ a medical broker and evaluate several medical aid quotes to ensure the plan you choose fits your
budget and your individual needs.
- Consider medical aid schemes that have an
additional savings plan. Even though you pay for the savings the whole year, the full amount is available at
the start of the year.
- Consider all the rules and regulations of the
schemes and avoid paying penalties by adhering to these rules.
- Some private practitioners and specialists
charge up to 200% more than the suggested medical aid rates, some of these are however willing to negotiate
these fees to charge in accordance to the rates your medical aid pays. Discuss this with the practitioner
before you make an appointment or schedule surgery. The same goes for the
- When you are in hospital stay in a general
room, not a private one, though some medical aids do pay for private rooms this will cost you more and as a
result will deplete your available funds sooner.
- Try not to use the funds available in your
savings account for over the counter medication. Rather keep it at hand to cover possible deposits and
co-payments on procedures. Another option is considering a fund that has an
additional over the counter benefit.
- Ask for generic medicine where possible, they
have the same active ingredients and costs a lot less than some of the original medication. Your medicine
benefit will last longer this way.
- Acquiring hospital insurance in addition to
your medical aid can help relieve the financial burden a hospital stay puts on you. These hospital insurance
plans pay out a certain amount per day you spend in hospital. These funds can be
used to cover the costs your medical aid does not cover.
- Some of the medical aid plans have clinics
available for certain illnesses such as diabetes.The funds usually receive
discounted fees for these. Use these clinics to your financial advantage. They sometimes even provide the
medication at a lowered cost.
- If you realise something is wrong, go
and see your doctor before it gets too serious, a faster diagnosis will mean less costs
Following these simple tips will help you save
money and you can have a more affordable medical
aid. © Medical Aid Plan.
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