GET MORE VALUE FROM YOUR BENEFITS
Do’s
Don’ts
Look out for benefits that are paid from risk
These benefits are in addition to your other benefits.
They give you more value for money, without using your
savings or day-to-day benefits. Bonitas pays for maternity
consultations, wellness benefits, preventative care benefits
and dentistry from risk on most plans.
Avoid asking questions
Talk to your doctor or specialist before being admitted to
hospital for a planned procedure. Check what they are
going to be charging and what your scheme will cover.
If there is a large difference, don’t be afraid to approach
your doctor to see if they are prepared to adjust their fee.
Use network GPs and specialists
We negotiate special rates with these doctors to ensure
you get quality care at lower rates. This helps you to avoid
co-payments and helps your savings and day-to-day
benefits stretch further.
Forget to pre-authorise
Pre-authorisation is required for all hospital admissions to
ensure your stay will be covered. Always ask if there are
any co-payments or sub-limits that will apply and what
you can do to avoid these. Call 0860 002 108 or email
[email protected] to get a pre-authorisation number.
Manage your chronic medicine correctly
The golden rule for chronic illness benefits is to try to use
the medication on your plan’s formulary and to obtain this
from a network pharmacy or a designated service provider.
Be uninformed
Take the time to read the information we send to you. If
you have access to information sessions at your place
of work, or have a consultant who visits your workplace,
attend the sessions to get a better understanding of how
your benefits work.
Get with the programme
Our Managed Care Programmes are available to help
members manage serious conditions such as cancer,
diabetes and HIV/AIDS.
Skip your wellness check
We offer an annual flu vaccine, HIV test and a wellness
screening check on all options. These tests help to
identify serious illnesses early.
Make use of our preferred providers
Using preferred providers and designated service
providers will help you avoid co-payments and get more
value for money.
Stick to originals
Generic medication is the same as the original brand, but
can be much cheaper.
Get a specialist referral
Make sure you have a referral from your GP to visit a
specialist. You may visit a gynaecologist, ophthalmologist
or oncologist once a year, without a referral.
Consult after hours
In an emergency one obviously has no choice, but these
consultations are very expensive.
Page 29
Bonitas Member Magazine 2016 Issue 4