Our expert says:
Pleased to hear this. It goes to show that it is always worthwhile for the therapist / doc to submit a well-written motivation, rather than just giving up, as some of them seem to do too easily.
I do so agree that people should be much more assertive in asking for proper and sensible value from their medical aids.
Coincidentally, from pals who are good and caring GPs, I hear stories of personal distress, as some medical aids apparently now insist on paying the patient directly, even if the patient, having already received the doctor's care, then choose to keep the cash and spend it on themselves, rather than paying the doctor.
I like your idea of a guide to what to expect and demand, thouh there may be major differences between medical aids, and it'd need frequent updating.
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