Why use a Medical Aid Broker

Frequently Asked Questions: Why use a Medical Aid Broker

1. Why should I use a medical aid broker instead of doing research on my own?
Using a medical aid broker, like Peter Pyburn, allows you to benefit from his expert guidance and advice. This simplifies your investigation and lets you fully understand the benefits, limits, and exclusions of the medical aids you are interested in. You will save precious time and be confident when making your final choice.

2. How can a medical aid broker help me save money?
A broker can identify cost-saving opportunities within different plans, resulting in you maximising the benefits on offer and minimising your cost. A broker will find you plans that meet your unique healthcare needs, making sure you get the most out of your medical aid choice, without losing any benefits.

3. What ongoing support can I expect from a broker after joining a medical aid scheme through them?
Our support continues after your application and acceptance process, free of charge. We will help you with benefit queries, administrative concerns, advice with annual plan changes, and more. We will help with your peace of mind throughout your membership.

4. Will using Peter Pyburn incur additional fees?
No, there are no extra charges. Broker fees are included in every medical aid premium, whether you use a broker or not. So, use our services!

Why using a medical aid broker in South Africa is the best way to find the right medical aid plan.

Looking for a medical aid that best for your needs and pocket - in South Africa - can be extremely difficult. Doing research on your own can create a minefield of information, that may lead to you joining a plan not suited to your needs. That exposes you to financial risk and wasting money.

To make make a correct and informed decision on which plan to join, you should use the services of a professional, qualified medical aid broker like Peter Pyburn.Use our expertise and industry knowledge, and you will simplify your process of selecting a medical aid scheme making the exercise way less stressful!

We will also help existing medical aid members fully understanding their current plan.

The Advantages of Using a Medical Aid Broker

1. Expert Guidance and Advice
South African medical aid schemes offer a wide variety of plans, each with its own "fine print".
Professional medical aid brokers, like Peter Pyburn, specialise in understanding the differences between these plans.
With over 30 years of experience and current industry knowledge, we are well-psitioned to help you understand the benefits, limits and exclusions of plans.

We will give you the expert guidance and advice, so you find a plan that meets your specific healthcare needs and budget.
Use our expertise, and you can simplify your selection process to make an informed decision when choosing a medical aid plan.

We take the time to fully understand your unique healthcare needs and budget and by using this information, we can offer personalised recommendations that will suit you. From comprehensive to in-hospital only benefits, we will help you apply for medical aid.

We will be there to assist you all the way up to acceptance and make sure you have all the necessary documentation needed as a member.

And best of all, we do not charge an additional fee for our work.
Every medical aid premium includes a broker fee, which you pay whether you use a broker or not! So, use us, as going direct is not cheaper!

2. Simplify the Process and Save Your Precious Time and Effort
Choosing and joining a medical aid, requires a good understanding of the various plan benefits and limitations.
We will simplify this process, saving you the time and stress of doing it yourself.

3. Financial Considerations and Savings
We understand the importance of your finances when looking for a medical aid. We aim to find you the best benefits at an affordable premium, to help you save money without compromising on your quality of care.
We can identify cost-saving opportunities within the different plans,making sure you get the most out of your medical aid.

4. Ongoing Support and Trust
After you join a medical aid scheme, our support will continue free of charge.
We will help with benefit queries, how to claims and advice with annual plan changes you may want to consider.

The Threats of Not Using a Medical Aid Broker

1. Limited Understanding of Options and Difficulty when Comparing Plans
Without a broker, it can be difficult comparing medical aid plans as plans have their own terms, benefits, limitations, and rules. The fine print rules are notorious, and it is easy to overlook important details resulting in inaccurate comparisons. You can easily join a plan that is not the best for your needs.

2. Evaluating Costs and Benefits
Understanding the plan benefits, costs, and limits is important when choosing a medical aid and based on your information, we will present several plans, from different medical aid scheme to you.
Do you need a comprehensive or simply in-hospital plan?
What chronic conditions do you need covered? Are they PMB conditions that all medical aids must cover?

We will explain the benefits, limitations and costs associated with each plan, helping you to fully understand your choice and see how best it meets with your budget and healthcare needs. We can help prevent unexpected out-of-pocket costs leaving you financially vulnerable during times of medical need.

3. Missed Cost-Saving Opportunities
We have the ability to identify potential cost-saving opportunities within different plans. Our experience in understanding how medical aids work, enables us to spot hidden costs or loopholes that may not be apparent to an individual doing their own research.
By not using a broker, you risk missing out on these potential savings.
And the best part is that we do not charge extra for this service!

4. Use us for your application process.
We will make sure that all the necessary paperwork is completed and submitted. We will follow you through to the issuing of the membership and deal with any concerns during that process - again free of any charge!

Don't underestimate the value of our free services—talk to us today.

Private healthcare providers can charge up to 500% of medical scheme rates.
Medical aids add procedure co-payments as well.
These are significant concerns for medical aid members.

Protect yourself against these potential threats, by joining Cura's GAP or top-up insurance plan.
OR Zest GAP or top-up insurance plan.

This separate insurance will cover most in-hospital claim shortfalls and any co-payments. It is a vital safety net, ensuring you have adequate benefits for medical treatments without bearing the full burden of unexpected costs.

Protect yourself from soaring medical expenses by bridging the gap between medical scheme rates and the charges imposed by private providers.

Specialised Dental treatments can be extremely expensive!
The costs of braces, root canal, implants and so on, can run into thousands of rand. Most treatments are done out of hospital, so are funded from your savings. That can result in less money available for other medical needs and family limits being used on one member only!

Dental treatment is something we all need and it is vital you consider the Best Dental Insurance Plan OR Most Affordable Dental Planin South Africa.

No Medical Aid or have a Hospital Plan only? This plan will help you meet the high costs of both normal and specialised dentistry!

Talk to me .... I am here to help you - at no charge!
Send me your questions and concerns. I'll answer them for you.

083 655 2164

You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.

We will offer you the best help at no cost!

Medical aid pays healthcare costs.
What if a disability stops your income?

YOUR TRUSTED, QUALIFIED ADVISOR:
Peter Pyburn - Authorised Financial Services Provider, fully licensed to render financial services since 1991. Death and Disability Planning; Retirement Planning; Investment Planning; Healthcare and Estate Planning.

Council of Medical Schemes

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Last update: January 18, 2025