How To Choose a Hospital Plan
Choosing a hospital plan is often an ideal option for healthier people who do not require day-to-day medical cover for things such as medicine and GP visits and those who do not need chronic medical cover.
Hospital plans are also more affordable medical care solutions for many people. Have you considered how to choose a hospital plan?
Hospital plans via medial aid South Africa essentially cover hospitalization costs for emergency procedures as well as for the treatment of serious illnesses.
Cover is usually also included for pre-authorized medical procedures and treatments. The plans are a chosen alternative to comprehensive cover or medical insurance.
Deciding on a hospital plan
Choosing a hospital plan means taking a number of elements into consideration including your age, lifestyle, current health situation and your family’s needs as well as your budget and medical requirements.
If you are young, healthy and don’t require chronic care then having a hospital plan will help you with
the possibility of immense medical bills in the case of hospitalization. These days some form of medical cover is a necessity and there are a number of medical schemes to choose from such as Discovery medical aid.
Hospital plans usually offer a good amount of in-hospital cover at affordable monthly rates and usually the type of cover is unlimited provided that members have received pre-authorization from their scheme.
What is and is not included
Something else to consider when looking at how to choose a hospital plan is what is and is not included and what amount of cover is provided. A number of schemes place certain rules on their plans such as which hospitals and healthcare providers members may use.
Schemes often have a network of providers and hospitals for members and should those within the network be utilized the scheme covers 100% of the costs. Should members choose to use a hospital or provider outside of the scheme’s network then they will be accountable for additional costs.
In some instances a scheme such as Discovery Health may only cover a percentage of costs incurred outside of their network.
There are a variety of in-hospitalization costs included in hospital plans such as your stay, theatre procedures, materials and medication. Other items covered comprise blood transfusions, ambulance services, gastro-intestinal endoscopies and MRI and CT Scans. All of these expenses need to be taken into account when choosing a hospital plan.
There are a number of websites that aim to help South Africans find the best possible healthcare options for their needs. By taking your lifestyle and particulars into consideration as well as your budget, such sites produce a comparison of schemes and plans from which you can request quotations.
Hospital plans afford members the flexibility to manage their own day-to-day medical expenses like doctor’s visits and medicine that may be required outside of hospital. When looking into how to choose a hospital plan, take your budget and medical needs into careful consideration.