medical aid

Do you need help with your Medical Aid year-end plan change?

As you know, Medical Aids only allow members to change plans once a year, either in November or December.
If you are a member of a medical aid scheme you should be doing your homework over the next couple of weeks so that you
are prepared for when this year-end window of opportunity opens.

There are many reasons why you may want to consider changing your plan.
You may consider upgrading if your medical needs are increasing and you have more money available to purchase better cover.
When times are tough, you may want to downgrade to a cheaper plan without giving up medical aid cover altogether.
If you have been unhappy with your medical aid over the past year, this may also be a good opportunity to compare benefits and contribution costs across schemes?

Whilst you can change medical aids at any time, the best time to join another scheme is at the beginning of the year.
However, that there are implications to changing schemes.

You need to consider a number of factors like:


peter pyburnI AM HERE TO HELP YOU AND GIVE YOU THE ADVICE YOU NEED!
AT NO ADDED COST TO YOU!

JUST APPOINT ME TO YOUR DISCOVERY HEALTH, FEDHEALTH, MOMENTUM, MEDSHIELD, COMPCARE OR RESOLUTION HEALTH PLAN.

I'll take you through the year-end renewal process, giving you an objective, non-biased evaluation of your medical aid plan and options you may wish to consider.
In simple English!
(Unfortuna, I cannot help you if you are not a member of these schemes or are a member of an employer medical aid.)


Consider which benefits you really need and then look at different options which meet those needs - but at a lower cost.

Network plans,which require the use of certain medical providers, cost less than plans with a choice of providers.
Or consider giving up day-to-day benefits and funding these yourself.
You then buy into the best hospital plan pay your own day-to-day costs.

Always compare plans and contributions across schemes to ensure that you are with a financially sound scheme, offering benefits appropriate for your needs, at a fair price.
Again, I am here to offer you advice, AT NO COST TO YOU!

Please remember that it is much more simple to change plans in your current medical aid than change schemes.

Medical aids currently guaranteed full cover for all prescribed minimum benefits, so it is only for other hospital admissions and specialist procedures and treatments where you are at risk of greater expenses.
Medical gap cover protects you from the unexpected financial burden that results when medical costs exceed the set tariff rates that your medical aid scheme pays.
The decision to buy these products will depend on the type of plan you have and the doctors you are likely to use.

Reviewing your option can seem overwhelming, but the window period (which is usually only one month long) is your opportunity to change to a more appropriate option if necessary.
As everyones needs are different, comparing costs and benefits can be very difficult, especially across schemes.
It is best to consult a trusted financial adviser accredited by the Council for Medical Schemes.

PLEASE GET HOLD OF ME. I AM HERE TO GIVE YOU ADVICE.
AND IT WILL COST YOU NOTHING EXTRA!
YOU PAY THE SAME AS YOU ARE NOW.

JUST APPOINT ME TO YOUR DISCOVERY HEALTH, FEDHEALTH, MOMENTUM, MEDSHIELD, COMPCARE OR RESOLUTION HEALTH PLAN.
It is as easy as that.
(Unfortuna, I cannot help you if you are not a member of these schemes or are a member of an employer medical aid.)

financial adviser brokerWe all know that reviewing your medical aid can seem a complex and daunting task, but I can help you through this year-end exercise.
So, download, complete and send me the form TODAY!


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2017