As 2024 comes to a close, it’s time to make important decisions about your healthcare for the year ahead. With medical scheme contribution increases averaging around 10% in 2025 – a rate significantly higher than salary inflation – many people are finding private healthcare increasingly unaffordable. This makes it more important than ever to re-assess your current plan to ensure it remains the right choice for you and your family.

Choosing the right medical scheme is about more than just finding the most affordable option. It’s about balancing your healthcare needs with your budget and making informed decisions that will protect both your health and your financial wellbeing in 2025.

Why Consulting with a Healthcare Broker is Crucial (And Doesn’t Cost You a Thing)

Navigating the ins and outs of medical schemes can be complicated. That’s why it’s crucial to consult with an expert who can assess your current situation and help guide you toward the best options. The great news is that this expert service is already included in your monthly premium – at no extra cost to you.

As independent advisors, NMG Benefits can help you explore your healthcare utilisation, needs, and budget, regardless of which medical scheme you’re with. Whether you're thinking of upgrading, switching providers, or just need a second opinion, we are here to guide you. Simply email us at healthcare@nmg.co.za to get started.

Don’t Overlook Gap Cover: A Necessity for Comprehensive Protection

In South Africa, gap cover has become an essential addition to your medical scheme. Even with a solid medical scheme, there may still be gaps in your coverage. For instance, certain medical procedures or specialists' fees might not be fully covered by your scheme, leaving you with out-of-pocket costs. That’s where gap cover comes in.

Gap cover is an additional insurance product designed to cover the difference between what your medical scheme pays and the actual costs of treatments, such as specialist fees or certain medical procedures. This can save you from having to pay the difference yourself. Employers often offer group gap cover at a significantly lower cost than if you were to sign up individually.

By signing up for gap cover through your employer, you could save up to 50% compared to signing up on your own, while ensuring you’re better protected against high medical costs.

The Importance of Affordability and Access to Healthcare

Many employers offer primary care cover, often through employer group schemes, which ensures that even employees on lower incomes can access essential healthcare services. This includes treatment for chronic conditions like hypertension or visits to general practitioners. These services are offered through a network of providers who meet strict standards and often have extended hours to fit your schedule.

Take Control of Your Healthcare and Wellbeing

Choosing the right healthcare benefits doesn’t just help protect your physical health – it can also enhance your financial wellbeing. With the right support and guidance, you can make healthcare decisions that work for you, your budget, and your future.

Remember, your employer is there to help guide you through this process. By offering access to expert advice, they ensure you can make the best decisions for your health and peace of mind. Don’t wait until the last minute – start reviewing your options today, and feel confident that you’re making the right choice for 2025.