21 Feb Medical Shortfalls Demystified: Why Your Medical Scheme Isn’t Always Enough
Healthcare costs are a major concern for many South Africans. Medical schemes offer great benefits, but they still require out-of-pocket payments for many expenses. For instance, patients might have to pay bills after in-hospital procedures, which could put a strain on their finances. This is where GapCover comes in: bridging the gap between what is payable by your medical scheme and what you owe.
In this blog, we’ll explore common gaps in medical scheme coverage and how GapCover and its tailored options can safeguard your financial health.
Understanding Medical Shortfalls
Typically, medical schemes cover hospitalisation and procedures done in a hospital according to set tariffs. However, medical practitioners, including the surgeon, anaesthetist, or specialist, may charge amounts that exceed such tariffs, thus resulting in medical shortfall.
Here are a few examples of expenses that medical schemes may not fully cover:
- Specialist fees exceeding the scheme’s rate.
- Co-payments for certain procedures or tests.
- Deductibles for advanced imaging like MRIs or CT scans.
- Additional fees for consumables or equipment used during your procedure.
Without additional cover, these out-of-pocket costs can add up quickly.
Enter GapCover: Your Financial Safety Net
GapCover takes care of all shortfalls and ensures that you are not left with a financial gap. Whether you have planned a procedure or face an emergency, GapCover provides peace of mind by absorbing the unexpected costs.
GapCover Plans: Tailored for Every Need
To make GapCover accessible and effective, different plans are available to suit various lifestyles, family sizes, and budgets. Let’s look at these options:
1. GapCover
GapCover is the perfect starting point for individuals or families seeking essential shortfall protection.
- Covers medical shortfalls during in-hospital procedures.
- Affordable pricing: R234 for individuals and R267 per family per month.
2. Combined cover
For those seeking a comprehensive solution, Combined Cover includes GapCover and CoPay Cover in one convenient policy.
- Covers in-hospital shortfalls and co-payments.
- deal for families, covering up to six members under one policy.
- Cost-effective rates: R318 for individuals and R370 per family per month.
3. Elite Cover
Looking for top-tier protection with extra perks? GapCover Elite offers unparalleled benefits, including a cash-back bonus for claims-free years.
- Premium coverage for all medical shortfalls.
- Pricing starts at R220 for individuals and R338 for families per month.
4. Gapcover Primary
This budget-friendly option is tailored for first-time clients or those needing to scale down. It mirrors the popular Combined Cover but at a lower cost with streamlined benefits.
- Provides 300% coverage of in-hospital shortfalls.
- Affordable rates: R130 for individuals and R190 per family per month.
Why choose GapCover
- Financial Security: Protect yourself from high, unexpected medical bills.
- Affordable Options: Choose a plan that fits your budget without compromising on coverage.
- Family-Friendly: GapCover policies extend to your loved ones, ensuring everyone is protected.
- Peace of Mind: Whether planned or unexpected, you can focus on recovery, not finances.
How to Get Started
GapCover applications are very simple. Choose a plan that’s right for you, fill out a brief application, and experience the peace of mind comprehensive financial protection can offer.
Visit GapCover’s website to explore your options and secure your cover today.
The Bottom Line
A medical scheme is a critical pillar for health care costs but is almost never sufficient to pay them all. GapCover provides this additional layer of cover you need to protect your finances in medical emergencies. With affordable flexible plans that cater to your individual needs there is no reason to delay, level up your medical cover with GapCover.
For more details or to sign up, visit GapCover.co.za.