CHOOSING A MEDICAL AID WHEN YOU ARE ON BUDGET - Medshield

 

In today’s life it is necessary to have medical aid. Expenses related to doctor’s visits, hospitalization, medicine, and general healthcare are very high. Do not neglect your health because you cannot afford to pay for such expenses. Even on budget, you can have medical aid. Nobody is exempt; everybody gets sick at one or other time. Whether it is a cold, flu, or something as serious as malaria, at some stage you need medical help.

Even with a cheaper, affordable medical aid plan, you can prevent many of the serious conditions. By taking care of your health, you lower the chance of hospitalization. A condition that could have been treated with a single injection or prescription medication could easily turn into a life-threatening condition, requiring hospitalization and invasive medical procedures to address the issue. Rather than leaving a condition untreated because of the expense, you can get an affordable medical aid plan, enabling you to meet these expenses.

WHAT TO CONSIDER

It may seem like having a medical aid will only cost you money that you do not have. However, in the long term, it will save you far more than it costs you. If you make the right choice when deciding on a medical aid scheme, you will reap the rewards. The secret is to choose a medical scheme that has a range of options from affordable entry-level plans, digital plans, hospital plans to the more expensive traditional or comprehensive plans. You do not have to get the best—just something that will safeguard you. Below are some tips that will help you make the best choice.

ARE YOU GENERALLY HEALTHY OR DO YOU NEED MEDICATION TO MAKE IT THROUGH THE DAY?

If you suffer from serious conditions, such as cancer, HIV/Aids, multiple sclerosis, or heart problems, you will obviously need a more intensive medical plan, enabling you to undergo extensive treatments, get required medicine, and visit doctors frequently.

WHAT DO YOU NEED ON A REGULAR BASIS?

You are probably better off paying for one-time visits for unique conditions yourself. The more regular visits are the ones you want covered. If you have to visit medical practitioners on a regular basis for specific conditions, you want a medical plan that covers day-to-day expenses. You can save by opting for a low-cost medical plan that covers in-hospital treatments only—like a hospital plan.

IF YOU HAVE PEOPLE DEPENDING ON YOU< YOU HAVE TO CONSIDER THEIR HEALTH AS WELL AS YOUR OWN.

As such, consider each family member’s medical treatment needs before you choose a low-cost medical aid plan.

LASTLY, YOU NEED TO BE SURE THAT WHATEVER MEDICAL AID YOU CHOOSE IS AFFORDABLE

Low cost might be what you are looking for, but remember that, just because it is cheaper, does not mean it is the best for you. You have to consider what your budget is in order to know you will not struggle to pay your monthly membership contributions.

Do not compromise on your health. Make sure that you get more for less. Rather pay a bit more now and save in the future.

MEDSHIELD is a partner of the NSBC

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