TIPS FOR USING YOUR HEALTHCARE COVER WISELY

TOP TIPS FOR MANAGING YOUR HEALTH COVER

  • Pay in cash and claim back.  Many pharmacies and providers offer a discount for cash payments which you can then simply claim back from the Scheme. This means that you effectively pay less for the same treatment, stretching your day-to-day benefits or savings to the absolute max

  • Use generics wherever possible.  Generic medicines are far more cost effective than the original branded items and equally effective. Your doctor or pharmacist will be able to give you advice on available generic options so be sure to always ask

  • Always check the pharmacy invoice.  A common mistake is to charge for the original branded medicine instead of the generic version. When you choose a generic, be sure to check the invoice and make double sure that you’re paying for the right medicine

  • Always obtain pre-authorisation when required.In many cases, pre-authorisation is essential. We always recommend that members request pre-authorisation at least 14 days before your procedure. This gives us more than enough time to request any missing information and give you comprehensive feedback about what will be covered by your option.

  • Always discuss costs before treatment.  Talk to your doctor and find out how much a treatment or procedure will cost before agreeing to it.  Once you have the cost, give us a call and we’ll confirm whether the provider charges more than what your option covers. This means you can make an educated decision to either switch to a different provider or proceed with your current doctor while having a clear indication of what the out-of-pocket amount will be