Come January every year, you should have a to-do list of quick and easy tasks to tick off for the year. From making sure that your insurer reduces your premiums in line with the drop in your car’s value, to going for your free preventative healthcare check-ups.
On Momentum Health for instance, you get to go for a free health assessment that takes less than 15 minutes, but checks and informs you on your blood pressure, cholesterol, waist circumference and weight. Most members also use this opportunity, while visiting the friendly nurse at Clicks, Dis-Chem or their local qualifying pharmacy, to check their HIV status (the medical aid will pay for this test once every five years).
If you are registered for and earning HealthReturns from Momentum, you can earn between 1 (Custom Option) and 4 (Summit Option) free GP visits. Of course, if there is no need to visit the GP, that’s great, but these free visits come in really handy for most families when, for instance, dad had the flu, then mom stubbed her toe the next week and also had to go, and then little Jimmy got sick again later in the year.
One of the best ways to get the most out of your medical aid is to understand your benefits. For instance, if you are paying a discounted contribution because you selected to use doctors or hospitals from a specific list (often referred to as a network), you can minimise additional out-of-pocket expenses by making sure that you do use these providers. Similarly, when you visit a doctor or specialist, discuss their charges with them, and ask them not to charge above the rate covered on your option. If you are visiting a network doctor, this is usually not required, as they will generally charge at network rates. Again, if you are earning HealthReturns, you can also earn an increase in your Momentum Health Rate for in-hospital specialist treatment.
Click here to download a guide on how to save on your medical expenses.