Feeling the pinch
parents would agree that they only want the best for their children, including
making sure that they receive access to quality healthcare. As the year
progresses, many medical scheme members start feeling the pinch of depleted
medical savings and exhausted day-to-day benefits, which ultimately impacts on
providing their children with the level of care that they would like.
can be a big part of your budget and it is important to use your available
medical aid benefits in the best way possible,” says Varsha Vala, Health
Specialist at Momentum Health. “We often see members going straight to a
specialist before consulting their local healthcare practitioner. In the long
run, visiting your GP first can save you money and still provide you with the
same health outcomes.”
medical specialists do play an important role, most of your daily health needs
and routine check-ups can be provided by your local GP or clinic sister.
Similarly, GPs are equally equipped to administer baby immunisations at a
fraction of the cost that a paediatrician would charge.
Practitioners are trained to take care of your general healthcare needs and
will refer you to a medical specialist, such as a paediatrician, dermatologist
or ophthalmologist, in cases where a greater level of expertise is required.
Specialist visits come at a higher price than GP consultations due to their
specialised expertise in a particular field, which means that they may charge
more per consultation than what is covered by your medical aid.
Excellent medical advice
medical care for everyone is as much about preventing illness as it is about
treating it and that requires careful observation over time, usually conducted
or coordinated by your GP. Besides your GP and medical specialist, your local
clinic sister and pharmacist are also able to provide you with excellent
open relationship with your local GP or healthcare practitioner is vital to
ensuring that your health is maintained, diseases are detected early and
treated, which ultimately may help to keep you at an optimal state of wellness
and reduce your healthcare expenses,” says Vala.
out the following additional ways to help you save on your medical aid:
- Make use
of your wellness benefits: Wellness Programmes added onto your medical aid
cover can support your wellness and health goals by offering you reduced gym
membership rates and even give you money back.
your medical aid to your needs: If you are a healthy young professional, you
may not need the same type of cover that a family would. Make sure that you
understand the various types of options your medical scheme has to offer and
which of them best suits your lifestyle and health needs. If you are not sure,
your financial adviser will be able to help you to determine the type of cover
that best suits your health requirements and pocket.
yourself checked out regularly: By going for regular medical checkups, certain
conditions can be diagnosed early on, resulting in treatment that is often for
a shorter duration and more effective. The less time on treatment, the more
money you will save.
your pharmacist: Chat to your pharmacist about generic medicines. Generic
medicines are just as effective as brand names and often work out much cheaper.
- Know your
network: Your medical scheme may specify a partner network of hospitals and
GP’s – be sure to use them. Using a doctor outside of your medical scheme's
specified partner network could mean that your claim is only partly reimbursed,
or rejected altogether.