The Role of a Medical Aid Consultant is very important and many people do not know that they have free access to their services, often saving you money and keeping you healthy. Choosing the right medical aid scheme for you and then narrowing that choice down to pick a plan level within that scheme is not easy. And with more and more offerings hitting the open market all the time, these choices are only getting harder. In order to ensure that you are getting the best coverage at the best price you should really check out every option out there, including all of the fine print and ‘legalese’. But who actually has the time to do that? Well, although it is highly unlikely that you do, which is perfectly understandable, there are people who do; medical aid consultants.
What is a Medical Aid Consultant?
A medical aid consultant does not – despite the implication of the title – work for any one medical scheme. That is because their role is to provide consumers with a fair and impartial overview of the medical aid schemes and plans available to them and assist them in choosing, and then obtaining, the right one for them. And they could hardly do that if they were in the employ of one of the companies consumers are considering!
Medical aid consultants are not just people who have some serious Google skills and the patience to wade through reams and reams of yawn-inducing fine print, though. Most medical aid consultants have a medical background that allows them to understand a client’s current and possible future medical needs with both an administrative and a clinical eye.
Why Should I Use a Medical Consultant?
Every medical scheme in South Africa has a website and usually a rather extensive one. And every medical aid scheme also employs a great many customer care representatives who they offer as available to answer all of your questions about their offerings. So, as we implied earlier, choosing a medical aid scheme is certainly something that you can do by yourself. The time issue is a problem, but maybe you could set aside a week’s worth of evenings to do the comparison shopping. However there are several other reasons why you should consider enlisting the assistance of a medical aid consultant when choosing a medical aid plan:
They Understand the Rules and How to Play the Game
There are a lot of rules and regulations attached to any medical scheme plan and even the most intellectual of people can end up rather confused by them. There are, for example, a number of set in stone laws that mandate that a medical scheme cover certain conditions – something called Prescribed Minimum Benefits – but there are exceptions and loopholes that can, and are, used in some cases that result in less coverage than one might have expected.
Because it is their job, medical aid consultants are more than aware of what these are and which medical aid schemes have a tendency to do what.
They Often Have an In
Because they do spend day in and day out speaking to and dealing with the staffs of the various medical aid schemes a medical aid consultant will often have an ‘in’ that a regular consumer does not. Sometimes that means being able to negotiate an extra discount and sometimes it means being able to help a consumer access benefits that, while are technically available to all, are so under advertised that many people don’t take advantage of them. And sometimes they can just get their ‘people’ in the office to process things a little faster, which can be a big help for you.
They’ll Still Be There Once You Make a Choice
You don’t have to choose a medical aid plan and then wave goodbye to your helpful medical aid consultant once all the paperwork is signed. Everybody can – and should – review their medical aid plan once a year, usually in January, to make sure it is still right for them. Your medical aid consultant can help you with that too, so keeping in touch with them is certainly something you should do too.
The Role of a Medical Aid Consultant ensures that you as the client and consumer are protected and provided with the best advice to suit your budget and your circumstances.