2021 is fast approaching, and before you know it, it is the end of the month and that to-do list with “find medical aid” is still stuck on the fridge, taunting you every time you walk by. Let us put an end to that. Finding the right medical aid can feel overwhelming and time-consuming, and as soon as you begin to do your research, you realise that it is like opening a can of worms filled with difficult jargon, complicated terms, and empty promises. Everything you really don’t want to deal with after what has been a difficult and emotionally draining year.
Once you first dive into the depth of medical aid options for the new year, it can be difficult to keep your head above water. With over 20 open plans to choose from in South Africa, it is nearly impossible to compare all the different aspects of every single option. But, with 2021 fast approaching, it is crucial to start the process of finding the right medical aid to cover you throughout the year. To help you take on the task of comparing your options, we have compiled a list of top things to keep in mind when you are making your comparisons for the new year.
Now, if this is all already feeling like you bit off more than you can chew, no worries. KeyHealth is here to help you every step of the way. Don’t hesitate to contact us for some expert advice or recommendations. But, in the meantime, please read the information below.
Pinpoint the Plans That Are Not Going to Work for You
Now, although it may feel like you are working slightly backwards, knowing what you don’t want is just as important as knowing what you do want. Browse through your 2021 Medical Aid options and make note of those you feel will not work for you. Regardless of the reason, be sure to take note of the plan and the reason why you are not interested. It may seem redundant at the moment, but as soon as you start delving into more and more options, it is easy to forget those key details and before you know it, you find yourself reading the same brochure twice and only later remembering why you didn’t choose that specific option.
Hospital Plans vs Day to Day Benefits
A key element that you need to look out for when comparing medical aid options is their hospital plan and emergency accident cover. When it comes down to it, these are the two most crucial things that your medical aid should cover. Before even going too deep into the other benefits and cost of the plan, ask whether or not they cover hospitalisation and emergencies and to what extent. Many medical aid plans cover various day-to-day benefits but may set limits to the amount they pay for hospitalisation, or they may even require a separate premium for your hospital plan.
Be sure to set a budget and how much wiggle room you are allowing yourself. It can be easy to get sucked into the benefits and promises of medical aid schemes. Although you may tell yourself it is okay that you are somewhat over budget, you must assess your finances and determine whether or not you will be able to sustain and afford the monthly premium for the entire year. Some plans may offer you free GP visits, however, the premium per month may be more than you will spend in general if you add up all your doctors’ visits for the year. This is completely up to you and should depend on which benefits you feel are worth paying a little bit more for. If you are looking for affordable medical aid options for 2021, be sure to have a look at our article on Affordable Medical Aid Options for 2021.
Communication and Understanding Your Chosen Plan
There is no point in committing to something you don’t understand. Not only is it super risky, but it will leave you feeling anxious and will ultimately result in you having to pay way more than you initially bargained for. Worst case, you may discover that you were never covered for something you thought you were in the first place.
When comparing your options, it is important to go with one that is clear and concise about what they offer and how you can benefit from the plan. If you feel like you are stuck in a game of Cluedo, looking for some sort of clues as to what would happen in a specific scenario, it is best to go with another option. At KeyHealth, we understand the importance of keeping things simple. That’s why we stay away from jargon and complicated terms.
KeyHealth Options for 2021
KeyHealth offers an extensive range of affordable options for the new year. No need to go back and forth deciding which option is best for you. At KeyHealth, we compare our own options on your behalf and present you with a plan that is tailored and designed to fit your specific needs.
But in order for us to do this properly, we will need you to provide us with your details, which will allow us to get a better understanding of your budget and which plans will work for you. But it is very important that all prospective members disclose their own current and previous medical symptoms, as well as those of their dependants. All our 2021 plans also include a variety of free benefits to ensure an easy new year. The free plans include our Health Booster, Smart Baby Program, and Easy-ER. The latter is the first-of-its-kind initiative.
If you found this article to be helpful and you have managed to pinpoint a few options that are in the running for next year, be sure to contact us about how to get started and find the perfect option for you and your family members. Alternatively, give us a call so we can help make the process a bit easier and compare your options for you. We’d love to help!