How to make your day-to-day benefits last longer

Day-to-day benefits are often depleted before the year ends. This means you have to pay out of pocket for certain services. Financial pressure may also cause you to skip care altogether, which could lead to more serious health issues down the line.

With a few simple strategies, healthcare costs can be managed more effectively, helping your available benefits last longer.

What you can do

• Use designated service providers (DSPs)
  Always check if there are DSPs near you. These providers charge medical scheme rates, which means the Scheme pays them directly. To find a DSP, logon to the website and select 'Find a healthcare professional'.
• Ask for generic medicine
  Ask your doctor to prescribe generic alternatives where possible. These are just as effective as brand-name medicines, and are more affordable, helping your day-to-day benefits last longer.
• Join a chronic condition management programme
  Register to have your PMB chronic condition approved. Once approved, you'll be enrolled in a support programme. Call 0860 103 933 if you need more details.
• Buy affordable over-the-counter medicine
  When possible, buy affordable over-the-counter medicine out of your own pocket to preserve your available benefits for more costly treatments.
• Speak to a pharmacist for minor illnesses
  For everyday health issues like colds or flu, talk to a pharmacist first for quick, expert advice and treatment.
• Get pre-authorisation for hospital stays
  Always get approval before going to hospital to make sure your stay is covered. Call 0860 103 933 to arrange pre-authorisation before you are admitted

Understanding how your benefits work and making informed choices can help you protect your health - and your wallet. Ask your BC or broker to explain any benefits or processes that you don't understand.