We’ve all been there, found ourselves a couple months into the year wondering where our medical savings went. But it doesn’t have to be that way. Truth is, there are easy-to-action ways to save on your medical bills and keep your medical savings available to you when you need them most.
THE EARLIER, THE BETTER.
Early detection not only improves outcomes, it improves bottom lines. Bestmed offers Health Risk Assessments (HRA) and preventative care benefits in every single medical aid option. These include vaccines, pap smears, contraceptives, etc. This means that you can prevent ailments and detect diseases early so you spent less of you savings on the treatment and, better yet, less time being sick.
PICK UP THE PHONE
Consultation fees are costly. Next time you’re feeling unwell and weighing up whether to go see the Doc or not, give them a call. Tell them how you’re feeling and decide whether seeing them in-person is really necessary or if a trip to the pharmacy and binge-watching series in bed could do the trick.
With medicine becoming more and more expensive every year, generic medicines can really help you stretch your savings. Generic drugs are copies of brand-name drugs that have exactly the same dosage, intended use, effects, side effects, route of administration, risks, safety, and strength as the original drug but they cost much less. So, next time you have to pop by the pharmacy to pick up your prescription, ask the pharmacist for the generic versions of your medications. You’ll be surprised how big the price difference is, and it will also reduce you chances of having a co-payment.
WORK THE NETWORK
Not all doctors’ rooms are created equal. Use the Bestmed App to find healthcare providers contracted with your medical scheme. The app will help you find the closest provider to your desired location and all network providers charge lower rates as per their contract with Bestmed. Not only so in-network health care providers give you the best treatment, but they also reduce your chances of needing to pay a co-payment. Hopefully that will reduce the nagging feeling that you’re paying for your GP’s annual waiting room décor makeover.
Also keep in mind that most pharmacies have trained nurses that can perform various tests, provide vaccinations and give injections – so you may not even need to go to your GP.
READ BETWEEN THE LINE ITEMS
Don’t be shy to ask for an itemised statement and give it a thorough interrogation. Your medical scheme will happily assist you evaluating of the bill – possibly picking up inconsistencies or unnecessary charges that could translate to savings on your side.
ASK FOR AN EXTENTION
When your doctor prescribes you medication that you will have to use consistently over a long period of time, make sure to ask him for a once-off script or, better yet, a recurring script that calls for regular refills. This will mean that you don’t have to visit the doctor and pay a consultation fee every time you need a refill for your prescription.
BENEFIT FROM BUYING POWER
Large pharmacy chains are usually cheaper, as they can negotiate lower prices on bulk purchases. Make use of seasonal specials and stock up on the basics. Because, to quote a popular TV series, “Winter is coming”.