The Bestmed Beat series of plans comprise of four medical aid plans the Beat 1, Beat 2, Beat 3 and the Beat 4 option. The Bestmed Beat plan category best suits young individuals who are looking for an extensive in-hospital cover with fringe benefits.
In this overview, we will look closely at the Bestmed’s Beat scheme category. We will shed to light the attributes of each plan in the category so that you get a better understanding before signing up.
The BestMed Beat plan 1 hospital plan is designed to suit mid-income earners who need extensive individual hospital cover.
Even though it’s not the cheapest entry-level plan around, it is no brainer that Beat 1 is among the best medical cover plans available. This is because it offers more in-hospital benefits and a few out of hospital benefits you can’t get in other schemes.
The Bestmed Beat 1 plan has two options; the standard plan which does not have a hospitals network and the network option.
The standard plan allows you to receive care from any medical institution of your choice.
The following is Beat 1 member contributions:
Though the network plan locks you to a preset range of medical care providers (hospitals), it lowers your monthly premiums.
Here are the Beat 1 network option 2020 rates:
Every time you exceed the scheme tariff’s limit, you will be liable for copayments which you will have to pay from your pocket.
The following has coverage at the 100% scheme tariff rate:
Out-of-hospital benefits such as a Family Practitioner (FP) or Specialist visits are paid in full by you, directly to the service provider.
The plan covers 43 chronic conditions, provides yearly flu vaccines, biometric screening and spinal/back rehabilitation cover.
All benefits are subject to pre-authorization, clinical protocols, demands of preferred providers or designated service providers (DSPs), formularies, funding guidelines and the Mediscor Reference Price (MRP).
The following is 100% covered on scheme’s tariff:
The Bestmed Beat plan 2 option is ideal for a young couple that is looking for extensive hospital cover with day to day medical benefits. If you choose this option, it will allow you to secure your health by getting adequate preventative measures even though you might not necessarily have health complications yet.
The beat 2 provides extensive hospital cover and a medical savings account. The savings account allows you to take care of your day to day medical bills like pharmacy bills.
Just like the Beat 1 category, Bestmed Beat 2 also has two options; the standard plan and Network option.
The Beat 2 standard plan contributions are as follows;
While the network option has following discounted contributions;
Pre-authorization, clinical protocols, designated service providers (DSPs) and formularies may apply. Members (Network option) who decide to use a hospital not part of Beat 2 hospital network may pay up to R11 309 in co-payments.
The following has coverage at the 100% scheme tariff rate:
Most out-of-hospital expenses, such as visits to a Family Practitioner (FP) or Specialist, are paid from your medical savings account.
In an event that you don’t exhaust your savings account funds, the balance is then carried forward to the following financial year.
The following are benefits in the Bestmed Beat 2 option
Bestmed Beat plan 3 value-for-money prime option, best designed for young individuals and new families. Since the family is still growing, Beat 3 offers substantial maternity benefits, extensive in-hospital cover at private hospitals and chronic benefits.
The plan also offers some preventative care benefits that are meant to ensure that you are well taken care of.
There is a standard Beat 3 plan that does not restrict you from choosing a service provider and also the network option which has recommended service providers.
The Beat 3 standard option has following contributions;
While the Beat 3 network option is as follows;
All in-hospital benefits referred to in the section below require pre-authorisation.
Clinical protocols, demands from the preferred providers and designated service providers (DSPs), formularies, funding guidelines and the Mediscor Reference Price (MRP) may apply.
The following has coverage at the 100% scheme tariff rate:
Out of all the Beat plans, Beat 3 stands out in terms of Out of Hospital benefits as it has some services covered at 100% scheme tariff.
Members subscribed with the Network option are required to make use of the scheme contracted service providers.
The following are medical events and their respective benefits in the Bestmed Beat 3 option:
Bestmed Beat plan 4 is a superior mix option for young to middle-aged families with specific healthcare needs. It offers comprehensive in-hospital benefits at private hospitals. There is a good amount of day-to-day medical cover for consultations, dentistry, chronic medications and a range of preventative care benefits
It is the only plan with only one standard option among the Beat category. Beat 4 does not have the Network option hence members who take up this plan have the privilege to choose any hospital of their choice.
Likewise, all in-hospital benefits in Bestmed’s Beat 4 require pre-authorisation. Clinical protocols, demands from the preferred providers, and designated service providers (DSPs), formularies, funding guidelines and the Mediscor Reference Price (MRP) may also apply.
Almost all medical events covered by the Beat 4 plan have 100% benefit in the scheme tariff. Below we list all medical events with 100% scheme tariff:
Most Beat 4 out of hospital benefits are paid from the savings account first. Once the savings account is depleted, benefits will then be paid from the Scheme’s day-to-day benefits with applicable limits.
If you have a treatment plan for a registered Chronic Disease List (CDL) or Prescribed Minimum Benefit (PMB) condition, the services in the treatment plan will be paid from the applicable day-to-day limit first.
Once the limit is depleted, claims will continue to be paid from the Scheme risk, up to the maximum quantity specified in the treatment plan.
Below are some out of hospital benefits in the Beat 4 plan:
The Beat category does not cater for older individuals and families requiring more cover for day-to-day expenses and certain diseases. The Pace range will be more beneficial to suit these needs.
Bestmed has a range of plans that can suit any member of the society looking for a medical cover. The Beat category offers entry-level schemes from Beat 1 to a superior hybrid option (Beat 4) for young to middle-aged families with specific healthcare needs.
Choosing a scheme that serves you best will require you to consider several factors like; your health and financial status. Otherwise Bestmed provides good medical cover packages.
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