Spectramed Medical Aid
Spectramed Medical Aid has been around since 1957, but originally it was a company that served only those working in the printing industry in South Africa. In 1997 they went 'public' however bringing their somewhat unique medical aid plans within the reach of the general public.
We say somewhat unique as any of the plans on offer via the company are a hybrid of traditional medical coverage and a more flexible medical savings account which allows subscribers to 'personalize' their coverage in ways that some other medical aid plans offered by other companies do not. And as a member owned, member organization shareholders have a say in the way the company will continue to develop in the future.
Medical Aid Basics
Spectramed Medical Aid offers five basic plan choices; Spectra Aqua, Spectra Cyan, Spectra Capri, Spectra Azul and Spectra Cobalt. Despite the rather fancy names all of the plans offer some solid coverages to suit personal needs and budgets.
The lowest level plan, the Spectra Cyan, is for those looking for hospital only cover, usually younger, healthy folks who don't want to overspend on coverage for services they might never use. The highest level plan, the Spectra Cobalt, is, on the other hand a very comprehensive set of coverages designed for those who make frequent use of medical services and among the most popular choices of families who choose Spectramed.
The other available plans fall somewhere in between and the good news is that the on website comparison tools are clear and easy to use, allowing people to make an informed choice about just which plan might be right for them.
All of the plans with the exception of the hospital cover only Spectra Aqua give their members access to the 'My Saver' programme. This is a Personal Medical Savings Account as defined under Regulation 10 of the Medical Schemes Act 131 of 1998 and can be used on the approved, day to day medical expenses of the member's choice. Such expenses might include OTC medicines, home health care items etc. With the highest level plans - Spectra Azul and Cobalt there is also a 'Benefit Booster' that allows for things like upgraded frames for prescription eyeglasses and certain cosmetic dental procedures.
Any Spectra medical aid plan member can access what the company refers to as 'value added services'. These include Spectra Assist, a comprehensive 24 hour a day service that offers assistance to those involved in some kind of trauma, including follow up physiological counseling if needed.
Spectra SOS on the other hand is designed to assist in any type of emergency and can be a help with anything from basic medical advice while waiting for an ambulance to arrive to arranging care for children or aging relatives who would otherwise be alone while the affected person is at the hospital.
Finally there is Spectra Care, a specialist staffed helpline that offers help and advice on a huge range of topics, everything from what to do when a baby won't stop crying to confidential teen counseling to general advice about diet and exercise and even things like stress management. Spectramed Medical Aid offers lots of choice however we always advise you speak to a specialist consultant to get the right advice for your circumstances.