Be Smart. Stretch Your Benefits

There are several effective ways to make your medical benefits last longer. You can take your health into your own hands by managing your medical expenses smartly if you want to save on costs or run out of benefits too early.

NHP will gladly assist in helping you to choose the right option that works best for you and your family. We also offer comprehensive chronic lifestyle disease programmes that will stretch your benefits even further. Contact an NHP office near you to find out how you can manage your benefits smartly.

Choose the right benefit option

Choosing the wrong option can be an unnecessary monthly financial burden. Choose according to your and your family’s medical needs. Take into consideration the size and age of your family. How frequently do you see a doctor? Do you need chronic medication? How much are you prepared to pay out of the pocket? Read and understand your medical aid plan, especially when diagnosed with chronic conditions such as high blood pressure, high cholesterol, or diabetes. NHP sales consultants will help you to make an informed decision regarding your benefit option based on your needs. Be smart. Stretch your benefits.

Generic vs Brand-name medications

Did you know that you can save up to 80% replacing brand-name medications with generic meds helping you to save substantially on your benefits? Generic medications work as effectively and provide the same active ingredients as brand-name medications. Ask your pharmacist for generic options, especially if you are on chronic medication. Be smart. Stretch your benefits.

Consult your pharmacy

Did you know that you can consult a pharmacist directly for many health issues, such as the flu injection, blood pressure tests, HIV tests, Health Risk Assessment, certain vaccinations and over the counter medications. By taking advantage of general primary health care services offered at a pharmacy, it allows you to avoid the cost of a doctor’s consultation fee, yet getting professional and efficient assistance. Be smart. Stretch your benefits.

Prevention is better than cure

Did you know that you can take advantage of preventative care and lifestyle benefits, provided by NHP? A designated Wellness Programme helps members to detect and manage preventable chronic lifestyle diseases and conditions with effective treatment guidelines. By making use of NHP’s Health Risk Assessment Initiative you are empowered to take responsibility for your health avoiding long-term high medical costs and even possible hospital expenses. Be smart. Stretch your benefits.

Make use of the Managed Care Programme

Did you know that NHP offers its members active management of their health-related conditions – free of charge? The programme assists members with identified lifestyle diseases and medical conditions to manage their health status with appropriate treatment. By providing information and advice relating to nutrition, exercise and the importance of sticking to treatment guidelines and medication, the programme helps to manage these conditions effectively. Don’t let early detected medical conditions become a costly serious future health risk. Be smart. Stretch your benefits.

False claims and errors

Did you know that up to 15% of your total medical costs can be attributed to claim handling errors? You, the member, have the power to counteract by carefully checking your monthly remittance statement, comparing the statement or claim correspond with the actual service or medication received. Is there an unusual high amount claimed? Are there duplications of claims? Are there possible false claims? By identifying false claims and errors you will be actively reverting and managing your medical expenses. Be smart. Stretch your benefits.

Ask for pre-authorisation

Members should always ensure to obtain a pre-authorisation from NHP before any medical procedures is performed, such as such as planned or emergency hospital admission, specialised treatment, or surgeries. Obtain a quote from the practitioner or health care provider and only proceed upon NHP approval.

Contact NHP to find out more about requirements and how to obtain a pre-authorisation.

Be smart. Stretch your benefits.