There are 6 very important things you need to know about medical aid schemes so that you can get the best coverage for an affordable price. The good news is that there are plenty of options. However, some people are overwhelmed by those choices. They don’t know what to look at. These 6 things will get you pointed in the right direction to make sense of it all.
Every medical aid plan out there has different coverage. Some of them will pay more for doctor visits and the hospital than others. Some of them have co-pays and deductibles you are responsible for. There are plans that cover pregnancy and those that won’t. There are also those coverage plans that are limited in terms of the doctors that you can use as providers. You have to look through such coverage to find what is a good plan for your needs. If you plan on having a family soon, then coverage for pregnancy is very important.
Some of the medical aid schemes will pay the providers directly. You will only be responsible to pay your deductible or co-pay. Then the provider will bill the rest to the medical aid program. With others though you have to pay the entire bill first out of your own pocket. Then you have to submit a claim for and get reimbursed. It can take up to 30 days for you to get that money back.
You definitely need to be aware of how much the medical aid is going to cost you per month. You need to look at your budget to see what will be a good match for you. Don’t get involved with coverage you can’t afford the pay for. If you don’t stay current on payments you will be dropped from the aid.
Take your own health and that of your family into consideration. If you have chronic health problems or you take ongoing medicine you need more coverage. That way you can have what you need all the time. There are some plans that won’t cover any pre-existing conditions either. You need to find out if you already have some health concerns so that it will be covered.
#5 In Hospital Care
Not all medical aid programs cover in hospital care. You should get a plan that does if you can afford it. You never know when an emergency will result in you staying there or taking a trip to the ER.
#6 Learn about the Provider
Not all of the providers out there offer you a good overall quality of service. You should take some time to find out what you can about the different providers. By doing so, you will be able to find one that has a very good reputation. Find out about them before you need them to pay for any of your medical services. This will save you expenses and frustration.