{"id":3538,"date":"2023-06-08T09:18:49","date_gmt":"2023-06-08T09:18:49","guid":{"rendered":"https:\/\/rmanam.com\/?p=3538"},"modified":"2023-06-08T09:18:51","modified_gmt":"2023-06-08T09:18:51","slug":"top-tips-to-stretch-your-benefits-further","status":"publish","type":"post","link":"https:\/\/rmanam.com\/index.php\/2023\/06\/08\/top-tips-to-stretch-your-benefits-further\/","title":{"rendered":"Top tips to stretch your benefits further\u200b"},"content":{"rendered":"\n<p>As healthcare costs continue to rise, it has become increasingly important to take charge of your\u00a0medical expenses. Knowing how to get the best cover from your medical aid is crucial. By\u00a0making the most of what your medical aid has to offer, you help yourself in determining how you\u00a0can get the best out of your cover and preserve your benefits. Using your medical aid well,\u00a0means you\u00a0won\u2019t\u00a0have to pay many medical expenses out of your own pocket.\u00a0We\u2019ve\u00a0made up a\u00a0list of tips you can use to make sure you stretch your medical benefits even further and have\u00a0sufficient cover at all times.\u200b<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Be Doctor Wise<\/strong>\u200b<\/h3>\n\n\n\n<p>Always go to your General Practitioner (G.P) to get an initial diagnosis.\u00a0You have\u00a0limited\u00a0benefits for consultation, so make sure the time is well spent so that you\u00a0don\u2019t\u00a0have to keep\u00a0going back to the doctor. Be clear and honest with your GP about your symptoms &amp; concerns.\u00a0Your doctor can only diagnose you properly if you thoroughly explain your symptoms. Let your\u00a0GP be your first point of reference before approaching a specialist.\u00a0\u200b<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Watch for billing errors<\/strong>\u200b<\/h3>\n\n\n\n<p>Human error is a factor everywhere \u2013 even when it comes to medical bills.\u00a0It\u2019s\u00a0always worth\u00a0double checking your bills to make sure no accidental charges have crept in. Ask for itemised\u00a0bills, check for accidental double bills, and if you pick up a mistake, ask.\u00a0\u200b<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Discussing&nbsp; pricing<\/strong>\u200b<\/h3>\n\n\n\n<p>Don\u2019t\u00a0be embarrassed to discuss cost with your doctor, pharmacist or healthcare provider. When you make an appointment, ask what rate your doctor charges. When\u00a0your doctor is writing you a prescription,\u00a0don\u2019t\u00a0be afraid to ask for the generic version of the medicine that is being prescribed. Ask your pharmacist about their\u00a0administration fees (if they have any). Make informed decisions about how\u00a0you\u2019re\u00a0using your benefits.\u00a0\u200b<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Know your plan<\/strong>\u200b<\/h3>\n\n\n\n<p>Get to know your medical aid scheme. Read through all the information you receive from your medical aid scheme, from their quarterly newsletters to all their emailers,\u00a0SMS notifications and online communication. Use their website and social media pages to speak to their consultants on what\u00a0you are\u00a0covered for. Ask your medical aid\u00a0for your particular plans&#8217; medical details, and\/or ask for help in understanding your plan. When you know what\u00a0you are\u00a0covered for, you can start using your medical aid\u00a0efficiently to\u00a0minimise\u00a0your out-of-pocket expenses.\u200b<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Don\u2019t&nbsp;wait<\/strong>\u200b<\/h3>\n\n\n\n<p>If\u00a0you\u2019re\u00a0starting to feel ill enough to call in sick, go to the doctor. If you notice a chronic pain, a strange mole or any health change that is causing worry, go to the doctor.\u00a0Catching illness early \u2013 from the flu to cancer \u2013 makes it quicker, easier and cheaper to heal.\u00a0\u200b<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Take care of yourself<\/strong>\u200b<\/h3>\n\n\n\n<p>Take steps to remain healthy to avoid costs that are associated with chronic diseases. Preventable diseases such as diabetes, heart disease, lung cancer and\u00a0hypertension can be avoided by maintaining a healthy lifestyle. If you already have a chronic condition, work with your doctor to manage it effectively. This can help\u00a0prevent complications and reduce the need for expensive medical care. When you Invest in your own health you\u00a0minimise\u00a0your doctor&#8217;s visits ensuring you save your\u00a0benefits for when you absolutely need it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Generic Medication<\/strong>\u200b<\/h3>\n\n\n\n<p>Medical aids are more likely to pay in full for a generic medicine. This is because generic medication costs up to 80% less than the original brand and has little to no co-payment levies. Generics medicines are the exact copies of original brand medicines. They have the same medical benefits and use the same active ingredient, strength\u00a0and dosage as the original. Always ask your pharmacist if there is a generic option for your medicine as substituting with generics is a very effective way of reducing\u00a0costs.\u200b<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Co-payments<\/strong>\u200b<\/h3>\n\n\n\n<p>Some procedures cost more than the tariff covered by medical aids. Members may have co-payments from their own pocket to cover the above tariff rate that\u00a0 a medical\u00a0aid does not cover. Ask your medical provider about their NAMAF tariff rate, and negotiate.\u00a0Or investigate gap cover that will be there when you need the boost.\u00a0\u200b<\/p>\n\n\n\n<p>We hope these tips help you unlock additional value from your medical aid so that you can make the most of your medical cover.\u200b<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Source:\u200b<\/h3>\n\n\n\n<p><a href=\"https:\/\/truthaboutmoney.co.za\/use-medical-aid-effectively\/\u200b\">https:\/\/truthaboutmoney.co.za\/use-medical-aid-effectively\/\u200b<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/youve-earned-it.co.za\/healthcare\/stretch-medical-aid-benefits\u200b\">https:\/\/youve-earned-it.co.za\/healthcare\/stretch-medical-aid-benefits\u200b<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/rehealth.co.za\/10-real-ways-to-save-money-on-your-medical-aid\/\u200b\">https:\/\/rehealth.co.za\/10-real-ways-to-save-money-on-your-medical-aid\/\u200b<\/a><\/p>\n\n\n\n<p>\u200b<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As healthcare costs continue to rise, it has become increasingly important to take charge of your\u00a0medical expenses. Knowing how to get the best cover from your medical aid is crucial. [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":3540,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3538","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Top tips to stretch your benefits further\u200b - RMA<\/title>\n<meta name=\"description\" content=\"Knowing how to get the best cover from your medical aid is crucial. 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