Affordable Medical Aid

South Africans are lucky to have access to world-class medical services. The public health system is under enormous pressure but still compares very favorably to other public systems in the world. However, for access to private specialists and treatment facilities, the public is compelled to become members of medical schemes.

There are a number of companies that offer a very wide variety of plans, and some affordable medical aid schemes, such as the Bonitas medical aid, go to great lengths to offer their members options that will suit almost any budget. Affordable medical aid does not always mean cheap, though.

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Choosing the best medical aid company requires some homework. Some of the most important considerations are as follows:

•            One of the biggest considerations would be to estimate the amount of money that is available for a medical scheme plan. Some plans are rather expensive, but many people try to save money on a vital issue such as the health of the family while indulging in luxuries such as regular holidays. Sufficient medical cover should be a high priority, even if savings must be made in other areas.
•            The needs of the family are also vital. Many schemes offer personal needs analysis, and on the basis of this, it is often possible to choose the best possible cover that will fulfill those needs.
•            It may be wise to obtain affordable medical aid quotes from several companies and to compare the results.
•           In general, hospital plans are the most affordable. These plans focus on paying for hospital costs, but some plans include a measure of day-to-day medical cover. Members must make sure that they know exactly what cover they enjoy. Many schemes say that they provide a hundred percent cover for in-hospital treatments but they neglect to point out that they only pay medical aid rates. The fact is that many doctors and hospitals charge much more than the approved medical aid rate. In such cases, the member may be held liable to pay the difference.
•            Many schemes require their members to make use of an approved network of service providers. It is the responsibility of the member to make sure that the doctor, specialist, or hospital used is part of such a network.
•           Some schemes require their members to obtain prior approval for treatment or hospitalization.
•             Most medical aid plans have limits. Once members have reached the limit of their cover, they will have to pay for treatment and medication themselves.

When it comes to affordable medical aid, South Africa certainly offers citizens many options. However, when thinking of affordable medical aid, great care should be taken to make sure that the benefits offered are not only affordable but that they will suit the needs of the family. © Medical Aid Plan

NOTES:

Your medical aid quote will include options to suit your pocket. Please ensure that the cover you select is exactly what you need and that you understand exactly what insurance you are buying. Do not hesitate to ask questions about the medical aid or hospital cover you choose.