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Choosing a Medical Aid |
Peter J Pyburn Approved Financial Planner
Fax:
0866 688 122
Cell:
083 377 88 93
Postal:
P.O Box 1068
Four Ways, 2055
Email: pyburn@peterpyburn.co.za
License # 2995
Become one of them too!
" My interest is in the future, because I am going to spend the rest of my life there." Charles Kettering.
2012 Medical Aid and Quote
Medical aid is not a simple purchase!
You need to investigate a number of facts before you get a quote and decide on a scheme, so take a look at this guide on HOW TO CHOOSE YOUR MEDICAL AID. It will help you.You need medical aid - to make sure that any emergency treatment, hospitalisation and high out of hospital costs can be paid for. Medical care is something we will all need at some time.
The type of plan for you, best depends upon what you can afford to pay.Medical aid is like car insurance - you need insurance for major medical costs such as
PRIVATE HOSPITALISATION, not really the minor costs - like day-to-day costs.
FEDHEALTH is an example of a good scheme.
It is as important to know what you are NOT covered for, so please read the plan brochures for the benefits and limits.
Major Medical Expenses
Your greatest financial threat lies with hospitalisation. Unexpected trauma or elective surgery can cost a fortune. You don't know when it may happen or how much it will cost.
- Do you want private or medical aid rate cover in hospital? Medical aid rate cover costs less, but will only pay around 70% of your private hospital costs!
- Will you accept an overall annual limit on hospital cover? Again, it costs less, but remember that if your family are hospitalised together, you could be in serious financial trouble!
- Would you be happy being treated only by a network of the scheme's hospitals?
This is a very affordable way to buy medical aid!You can have only in-hospital cover where you are responsible for your out of hospital costs.
This type of plan is recommended where you may not be able to afford a full medical aid.
Day-to-day costs
Most medical aids have a savings account, from which all your out of hospital costs are paid.
Some offer set treatments per provider. Others offer a Debit Card as a way to help you pay these costs. BUT, it is always YOUR SAVINGS that are used!
You can get a safety net if you feel you may use your savings up.THE HEALTH DEBIT CARD IS A POPULAR WAY TO SAVE FOR THESE OUT OF HOSPITAL COSTS.
It can be added to any medical aid.
Chronic medicines
By law, schemes have to pay medication for at least 25 conditions (Prescribed Minimum Benefits).
However, they can still control the type of medicine and only pay medicines that fall within their lists (formulary). Medicines for other conditions may be covered by the scheme or paid from your savings.
Compare your scheme to these ones!
Or get a quote on these schemes!
RESOLUTION - Superb benefits at a reasonable cost!FEDHEALTH - The Finest In-Hospital benefits!
DISCOVERY HEALTH - Market-Leader with the Excellent Vitality gym subsidy!
MOMENTUM HEALTH - Great rewards for Staying healthy!
MEDSHIELD
TOP UP PLAN - Buy a lower cost medical aid and Boost the Benefits!
Use my services. As an independent medical aid adviser. I promote many companies and can find a plan to suit your needs. I am accredited with the Council of Medical Schemes and am in a position to give you comprehensive advice.
Is This Really the Best Medical Aid?
Do You want a TOP UP?The last thing you need is a financial shortfall when you are trying to recover!
If you have a MEDICAL AID concern, please contact me today.
Make sure your are FULLY covered!Cell: 083 377 8893
Especially if you are considering buying Medical Aid.
