Stefanie Webb at Manageall Pty. Ltd.

11/10/2024

Understanding your medical scheme benefits is crucial to avoid unexpected issues
Many South Africans are shocked when their medical scheme benefits fall short, leaving them with unexpected out-of-pocket expenses. Whether preparing for a routine check-up, planning surgery or facing an emergency, knowing the ins and outs of your medical scheme cover is essential.

Out-of-pocket expenses
Even with comprehensive medical aid, you may find that not everything is covered. Out-of-pocket expenses are those costs that your medical aid doesn't cover, such as:
• Co-payments: When one must pay a portion of the total bill directly to the service provider.
• Non-covered services: Services or treatments that fall outside your plan's coverage.
• Out-of-network doctors or hospitals: When going to a healthcare provider that is not on your specific plan's network list.

Procedural co-payments
A procedural co-payment is the amount you pay out of pocket before your medical aid covers certain healthcare services. Depending on your medical aid plan and the specific treatment or procedure, it can differ significantly. It is best to always review your benefits guide for your specific plan or contact your medical scheme before the procedure to ensure you understand the requirements.

Pre-authorisation and pre-approval
Pre-authorisation is required for planned hospital admissions, surgeries, and other high-cost treatments. It involves contacting your medical aid to confirm that it will be covered before treatment, or in case of an emergency, as soon after the event as possible. Failing to get pre-authorisation can result in significant out-of-pocket expenses. Without pre-authorisation, you could face a hefty bill. Pre-approval is more commonly required for expensive chronic medications or specialised treatments

Emergency care versus Urgent care
Emergency care refers to life-threatening situations requiring immediate treatment. South African medical schemes are required by law to cover Prescribed Minimum Benefits (PMBs) in emergencies at the nearest hospital, regardless of your plan. In true emergencies, such as heart attacks, strokes, or severe injuries, treatment will be covered, even if it's out of network. However, it's important to note that emergency cover only applies when the situation qualifies as an emergency, and non-life-threatening conditions treated as emergencies may result in additional out-of-pocket expenses. Urgent care covers conditions requiring quick attention but not life-threatening, such as minor fractures, infections, or severe flu symptoms.

Quick tips to help avoid unexpected bills
• Submit claims promptly: Ensure your healthcare provider submits the claim to your medical aid within the required timeframe.
• Understand your statement: Your medical aid will provide a detailed statement outlining what has been covered and what, if any, amount you owe. Check this carefully to understand why certain expenses were or were not covered.
• Follow up on rejected claims: If your claim is denied, follow up with your medical aid or medical scheme advisor to find out why.

While choosing the right plan for your lifestyle and healthcare requirements is vital, knowing your plan's terms can save you time, stress, and money. Always read the rules, ask questions, and stay informed to avoid unexpected costs when using your cover.

Note: Please inform family and friends about our unique and cost-effective Top-up cover, provided by Cura Administrators. Our Top-up cover can potentially save you thousands of Rand in unforeseen out-of-pocket expenses. You can read more about this cover at https://www.curaadmin.co.za/gap-cover-products.html.

Source: Bizcommunity, Medshield, 1 October 2024

25/09/2024

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28/08/2024

14/08/2024

Contact me on 082 449 0813 / [email protected]

06/08/2024

Health Minister Dr Joe Phaahla has confirmed that Monkeypox has been detected in South Africa during a recent media briefing in Pretoria, Gauteng. The disease only spreads through close contact, so you cannot get it by being in the same room with an infected person.

Anyone can contract mpox regardless of age, gender, s*xual orientation and race. Mpox is preventable and manageable, and treatment for both mild and severe cases is available. People at high risk include those living with chronic conditions such as HIV, TB and diabetes.

Mpox (monkeypox) is an infectious disease caused by the monkeypox virus. It can cause a painful rash, enlarged lymph nodes and fever. Most people fully recover, but some get very sick.

It spreads from contact with infected –

• persons, through touch, kissing, or s*x
• animals, when hunting, skinning, or cooking them
• materials, such as contaminated sheets, clothes or needles
• pregnant persons, who may pass the virus on to their unborn baby

Common symptoms of mpox are:

• rash
• fever
• sore throat
• headache
• muscle aches
• back pain
• low energy
• swollen lymph nodes

Please be aware and create awareness of this disease. The best thing we can do right now is prevent infections, isolate those that have been infected and continue contact tracing.

Source: SAnews.go.za

22/07/2024

Diabetes-related complications are the second most common form of death in South Africa. It’s estimated that about 4.5 million South Africans suffer from diabetes and South Africa is noted as having the highest number of adult diabetics on the African continent. Diabetes is a metabolic disease that causes high blood sugar. This means your body does not produce enough insulin, the hormone needed to regulate the body’s sugar levels. Insulin transfers sugars to cells in your body where it is used for energy. Without insulin, your blood sugar will continue to rise and, if left untreated, high blood sugar levels can cause damage to your organs like the eyes, kidneys, nerves, heart and/or blood vessels.

There are two main types of diabetes:
• Type 1 (insulin-dependent), which usually affects children
• Type 2 (non-insulin-dependent diabetes), which tends to develop gradually in adults and is much more common

Some of the signs and symptoms associated with diabetes include:
• Constant feeling of thirst
• Increased urination
• Blurry or poor vision
• Slow-healing sores or injuries
• Constant fatigue
• Frequent infections
• Weight loss

Serious diabetes complications include:
• Heart attack
• Stroke
• Nerve damage
• Blindness
• Hearing loss
• Gum disease
• Amputations

Please be aware of this health threatening disease. A health check can make available a comprehensive basket of healthcare services to help you take better care of yourself and prevent severe or chronic illnesses.

Speak to your Manage All medical scheme advisor and make sure that you are registered on your Medical Scheme Diabetes Care plan should you have diabetes.

17/07/2024

Book a no obligation appointment with a qualified and registered independent broker at Manage All today.

We help you select and manage your medical scheme and gap cover to get the benefits in private healthcare that you signed up for.

Manage All is an independent broker, that represent different Medical Schemes

Website : https://www.manageall.co.za/

17/07/2024

Health dismisses reports of new COVID-19 variant

The National Department of Health says it has noted with concern old and fake news about the COVID-19 Omicron XBB variant circulating on social media. These fake posts further advise people to wear face masks because of an allegedly “deadly and not easy-to-detect variant”. “This is a misleading message which first resurfaced during the peak of the pandemic without a traceable source.

According to the department, COVID-19 remains circulating at relatively low levels around the country just like in other parts of the world. However, it said, there is no need for the public to panic because many people have developed some level of immunity from both the vaccines and infections.

“The current strain or variant in circulation is less severe and less transmissible.” However, the department said that taking protective measures daily, including non-pharmaceutical interventions such as hand hygiene, will help to prevent the spread of other respiratory infections including influenza.

“The department will keep the public abreast as and when there is a surge in cases of illness caused by any virus of concern or outbreak of any disease.”

The department urged the public to take extra precautionary measures to protect themselves and their loved ones against respiratory infections, which are expected to increase over the winter season.

The National Institute for Communicable Diseases (NICD), which monitors the circulation of respiratory viruses throughout the country, has notified the department that it is currently the peak season of respiratory syncytial virus (RSV), which some can confuse for COVID-19 due to common symptoms. RSV causes illness mainly in young children but may also contribute to respiratory disease in older people.

The flu season is expected to start in the next few weeks and the department is advising those at high risk of contracting the virus to get the flu vaccine to prevent severe health complications.

Groups at high risk include the elderly who are over 65 years old, those with underlying illnesses such as heart and lung disease, people living with HIV and tuberculosis, as well as pregnant people.

Source: SAnews.gov.za, 30 April 2024

16/07/2024

“Do you need a new medical scheme or need help with your current medical scheme issues”

Feel free to contact me at: [email protected] or 082 449 0813.

02/07/2024

You are not immune to accidents, illness or in-hospital procedures. Are you prepared to face the well-documented horrors of a state hospital in the event of a medical crisis?

Without a medical scheme plan you may be gambling with your health.

Without gap cover you may face out-of-pocket medical expenses of up to 400% more than what your medical scheme covers for certain procedures.

Manage All is an authorised financial services provider – FSP14445. We can assist with an affordable plan for you, your family or group of people.

For advice that suits your needs and pocket, please contact me at [email protected] or 082 449 0813.

04/03/2021

With World Hearing Day being celebrated on the 3rd of March and most of us have online meetings, here are 5 Ways to Prevent Hearing Loss Caused by Headphones.

Headphone use has grown exponentially in the past decade. It’s hard to walk down the street without seeing those well-known white earbuds. With so many people working from home during the COVID-19 pandemic, headphone use has become a daily occurrence.

While headphones can be incredibly convenient, they can also cause noise-induced hearing loss.
The problem is particularly worrisome among young people—nearly 50 percent of those ages 12 to 35 could be exposed to unsafe noise levels from their devices.

It’s not practical for most of us to eliminate headphone use altogether. However, there are a handful of things you can do to use them more safely.

1. Use headphones, not earbuds. Although headphones can be cumbersome, they’re much safer than earbuds. Earbuds are worse. “If you think about it, you’re getting that earbud deeper into the ear canal, increasing the sound pressure level and subsequently increasing the volume of the sound.”
2. Lower your volume. When a personal listening device is at its maximum volume level, hearing loss can occur in less than five minutes, according to the CDC. When using headphones, it’s important to be aware of how loud your audio is. The CDC recommends listening for no more than two hours at a volume no more the half the range available in the device.
3. Limit your time. Noise-induced hearing loss doesn’t just occur from a high volume—it can also happen if you use your headphones for a prolonged period of time. “What people don’t understand is that it’s not just the loudness of what they’re listening to but the duration of time they are listening to that can cause damage.” Try to limit your headphone use to less than two hours at a time.
4. Pay attention to those around you. Having trouble discerning whether your music is too loud? A good rule of thumb is, if someone next to you can hear music coming out of your headphones, it’s too loud.
5. Invest in noise-cancelling headphones. Noise-induced hearing loss can occur when you’re in a loud environment and you’re using music to cover up the noise. This is especially true when you are working out at a fitness center. “You start to make the volume of your headset louder to overcome the volume on the treadmill.” Noise-cancelling headphones eliminate outside noise so you won’t have to turn your volume quite as high.

Source : https://www.hackensackmeridianhealth.org/HealthU/2021/02/25/5-ways-to-prevent-hearing-loss-caused-by-headphones/

https://www.healthline.com/health/do-airpods-cause-cancer