Benefit Summary 2019 PACE1 - CMAC Klerksdorp

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Benefit Summary 2019 PACE1 - CMAC Klerksdorp
PACE1

Benefit
Summary
2019
Benefit Summary 2019 PACE1 - CMAC Klerksdorp
Method of benefit payment
                                                                                      On the Pace1 option in-hospital services are paid from the Scheme risk. Some             MEDICAL EVENT                     SCHEME BENEFIT
                                                                                      out-of-hospital services are paid from the annual savings first and once depleted
                                                                                                                                                                               Major medical maxillo-facial      100% Scheme tariff.
                                                                                      will be paid from the day-to-day benefit. Once the day-to-day benefit is depleted,       surgery strictly related to       Limited to R11 825 per family.
                                                                PACE1                 services can be paid from the available vested savings. Some preventative care           certain conditions
                                                                                      services are available from the Scheme risk benefit.
                                                                                                                                                                               Dental and oral surgery           Limited to R7 310 per family.

                                                                                                                                                                               Prosthesis                        100% Scheme tariff.
                                                                                           In-hospital benefits                                                                (Subject to preferred provider,   Limited to R81 700 per family.
                                                                                                                                                                               otherwise limits and co-
                                                                                      Note:                                                                                    payments apply)
                                                                                      • All in-hospital benefits referred to in the section below require pre-authorisation.
                                                                                        Please contact 080 022 0106 or e-mail authorisations@bestmed.co.za to obtain a
                           COMPREHENSIVE COVER                                          pre-authorisation number.
    PACE1 OPTION
                           (IN- AND OUT-OF-HOSPITAL)                                  • Clinical protocols, preferred providers, designated service providers (DSPs),
    Recommended for?       You are a healthy, growing family and require excellent      formularies, funding guidelines and the Mediscor Reference Price (MRP) may apply.
                           hospital benefits with extensive day-to-day cover. Pace1
                           is perfect for families who want quality benefits at        MEDICAL EVENT                          SCHEME BENEFIT
                           affordable prices.
                                                                                       Accommodation (hospital stay)          100% Scheme tariff.
    Contribution range     R3 609 - Principal member                                   and theatre fees
                           R2 534 - Adult dependant
                           R 911 - Child dependant                                     Take-home medicine                     100% Scheme tariff.
                                                                                                                              Limited to 7 days’ medicine.                                                       We are a Scheme
    Savings account/Day-   Savings account available.
    to-day benefits        Day-to-day benefits are available.                          Treatment in mental health
                                                                                       clinics
                                                                                                                              100% Scheme tariff.
                                                                                                                              Limited to 21 days per beneficiary.                                                managed by members,
    Value benefits         No co-payment or automatic self-payment gaps.
                           FP and Specialist consultations.                            Treatment of chemical and              100% Scheme tariff.                                                                for members and will
                           Optometry.                                                  substance abuse                        Limited to 21 days or R29 240 per
                           Dentistry.                                                                                         beneficiary. Subject to network facilities.                                        never compromise
                           Maternity benefits.
                                                                                       Consultations and procedures           100% Scheme tariff.
    Over-the-counter       Available.                                                                                                                                                                            on quality service
                                                                                       Surgical procedures and                100% Scheme tariff.
    medicine
                                                                                       anaesthetics                                                                                                              to you.
    Not recommended for?   Families looking for more comprehensive and speciality
                                                                                       Organ transplants                      100% Scheme tariff (only PMBs).
                           cover. Pace3 and 4 are the ideal options for you.

2                                                                             PACE1     PACE1                                                                                                                                                     3
Benefit Summary 2019 PACE1 - CMAC Klerksdorp
MEDICAL EVENT                    SCHEME BENEFIT                              MEDICAL EVENT                     SCHEME BENEFIT
    Prosthesis – Internal            Sub-limits per beneficiary:                 Confinements                      100% Scheme tariff.
    Note: Sub-limit subject to the   • *Functional limited to R14 674
    above prosthesis limit.          • Vascular R29 777                          Refractive surgery and all        100% Scheme tariff.
    *Functional: Items utilised      • Pacemaker (dual chamber)                  types of procedures to improve    Limited to R8 127 per eye.
    towards treating or supporting     R50 848                                   or stabilise vision (excluding
    a bodily function.               • Endovascular and catheter-based           cataracts)
                                       procedures – no benefit
                                                                                 Midwife-assisted births           100% Scheme tariff.
                                     • Spinal R29 777
                                     • Artificial disc - no benefit              Supplementary services            100% Scheme tariff.
                                     • Drug-eluting stents - DSP
                                       products only                             Alternatives to hospitalisation   100% Scheme tariff.
                                     • Mesh R11 180
                                     • Gynaecology/Urology R8 063                Emergency evacuation              Services rendered by ER24.
                                     • Lens implants R6 128 per lens per eye

    Prosthesis – External            Limited to R20 748 per family.

    Exclusions                       Joint replacement surgery (except for
    Limits and co-payments           PMBs). PMBs subject to prosthesis limits:
    applicable.                      • Hip replacement and other major joints
    Preferred provider network          R30 315
    available.                       • Knee replacement R40 313
                                     • Minor joints R12 524

    Orthopaedic and medical          100% Scheme tariff.
    appliances

    Pathology                        100% Scheme tariff.

    Diagnostic imaging               100% Scheme tariff.

    Specialised diagnostic imaging   100% Scheme tariff.                                                                        We always
    Oncology                         Oncology programme - PMBs only, make
                                     use of Independent Clinical Oncology                                                       strive to
                                     Network (ICON) as the DSP.

    Peritoneal dialysis and          PMBs only at DSPs.
                                                                                                                                exceed your
    haemodialysis
                                                                                                                                expectations.

4                                                                                                                                               PACE1   PACE1   5
Benefit Summary 2019 PACE1 - CMAC Klerksdorp
Out-of-hospital benefits                                                                                    MEDICAL EVENT                     SCHEME BENEFIT
                                                                                                                   Basic and specialised dentistry   Savings first.
Note:                                                                                                                                                Basic: Preventative benefit or savings account.
• Some indicated benefits are paid from the annual savings at 100% Scheme tariff.                                                                    Limit once savings exceeded.
                                                                                                                                                     Specialised: Savings account then limit.
• Once the annual savings account is depleted benefits will be paid from Scheme risk                                                                 Orthodontic: Subject to pre-authorisation.
  at 100% Scheme tariff (limits apply).                                                                                                              Limited to M = R3 740, M1+ = R7 590.
                                                                                                                                                     (Subject to overall day-to-day limit)
• Should you not use all of the funds available in your medical savings account these funds
  will be transferred into a vested medical savings account at the beginning of the following                      Medical aids, apparatus           100% Scheme tariff.
  financial year.                                                                                                  and appliances including          Savings first.
                                                                                                                   wheelchairs and hearing aids      Limited to R10 428 per family.
• Any vested credit in your vested medical savings account may be used for out-of-hospital                                                           (Subject to overall day-to-day limit and hearing
  expenses that are not covered by the Scheme, or should you, for instance, have reached                                                             aid every 24 months)
  your out-of-hospital/day-to-day overall annual limit or the sub-limits as indicated in your
  benefit guide.                                                                                                   Supplementary services            Savings first.
                                                                                                                                                     Limited to M = R3 988, M1+ = R8 278.
• Unused funds in your vested medical savings account at the end of the financial year will                                                          (Subject to overall day-to-day limit)
  be carried over to the credit of your vested medical savings account for the next year.
                                                                                                                   Wound care benefit                100% Scheme tariff.
• Clinical funding protocols, preferred providers, designated service providers (DSPs),                            (incl. dressings, negative        Savings first.
  formularies, funding guidelines and the Mediscor Reference Price (MRP) may apply.                                pressure wound therapy            Limited to R3 279 per family.
                                                                                                                   treatment and related nursing     (Subject to overall day-to-day limit)
• If you have a treatment plan for a registered Chronic Disease List (CDL) and/or Prescribed                       services - out-of-hospital)
  Minimum Benefit (PMB) condition/s, the services in the treatment plan will pay from the
  applicable day-to-day limit first. Once the limit is depleted, claims will continue to be paid                   Optometry benefit                 Benefits available every 24 months from date
  from Scheme risk, up to the maximum quantity specified in the treatment plan.                                    (PPN capitation provider)         of service.
                                                                                                                                                     Network Provider (PPN)
                                                                                                                                                     • Consultation - 1 free per beneficiary every
    MEDICAL EVENT                       SCHEME BENEFIT                                                                                                  24 months.
                                                                                                                                                     • Frame = R825 covered AND
    Overall day-to-day limit            M = R9 868, M1+ = R19 737.                                                                                   • 100% of cost of standard lenses. (single vision/
                                                                                                                                                        bifocal/multifocal/contact lenses).
    FP and specialist consultations     Savings first.                                                                                               OR
                                        Limited to M = R2 032, M1+ = R4 085.                                                                         Non-network Provider
                                        (Subject to overall day-to-day limit)                                                                        • Consultation - R300 fee at non-network provider
                                                                                                                                                     • Frame = R550 AND
                                                                                                                                                     • Single vision lenses = R175 OR
                                                                                                                                                     • Bifocal lenses = R410 OR
                                                                                                                                                     • Multifocal lenses = R710 OR
                                                                                                                                                     • Contact lenses = R1 435

6                                                                                                  PACE1   PACE1                                                                                          7
Benefit Summary 2019 PACE1 - CMAC Klerksdorp
MEDICAL EVENT                    SCHEME BENEFIT                                                  Medicine                                                                                              Chronic Conditions List
    Diagnostic imaging and           100% Scheme tariff.                                                                                                                                                CDL
                                                                                                Note:
    pathology                        Savings first.
                                     Limited to M = R2 956, M1+ = R5 913.                       Benefits below may be subject to pre-authorisation, clinical protocols, formularies,                    CDL 1      Addison's disease
                                     (Subject to overall day-to-day limit)                      funding guidelines and the Mediscor Reference Price (MRP).
                                                                                                                                                                                                        CDL 2      Asthma
    Maternity benefits               100% Scheme tariff.
                                                                                                *Please note that the approved CDL, PMB and non-CDL chronic medicine costs will be paid from the
                                     • 9 x antenatal consultations at either FP/                                                                                                                        CDL 3      Bipolar mood disorder
                                                                                                non-CDL limit first. Thereafter, approved CDL and PMB chronic medicine costs will continue to be paid
    These benefits are unlocked        Gynaecologist/Midwife.                                   (unlimited) from Scheme risk.
                                                                                                                                                                                                        CDL 4      Bronchiectasis
    by completing a Health Risk      • 1x 2D ultrasound nuchal translucency scan at
    Assessment at a contracted         10-12 weeks at Gynaecologist.                                                                                                                                    CDL 5      Cardiomyopathy
    pharmacy.                        • 1x 2D ultrasound scan at 20-24 weeks at
                                                                                                  BENEFIT DESCRIPTION                          SCHEME BENEFIT
                                       Gynaecologist.                                             CDL and PMB chronic medicine*                100% Scheme tariff. Co-payment of 35%                    CDL 6      Chronic renal disease
                                     • 1x 2D ultrasound scan first trimester at                                                                for non-formulary medicine.
                                       radiologist.                                                                                                                                                     CDL 7      Chronic obstructive pulmonary disease (COPD)
                                     • 1x 2D ultrasound scan second trimester at                  Non-CDL chronic medicine*                    7 conditions. 85% Scheme tariff.
                                                                                                                                                                                                        CDL 8      Cardiac failure
                                       radiologist.                                                                                            Limited to M = R6 020,
                                     • Antenatal iron supplements (9 fills).                                                                   M1+ = R12 040. Co-payment of 35% for                     CDL 9      Coronary artery disease
                                     • Antenatal folic acid (9 fills).                                                                         non-formulary medicine.
                                     • Please ensure that tests you undergo are                                                                                                                         CDL 10     Crohn's disease
                                       covered. Tests, including urine dipstick tests             Biologicals and other high-cost              No benefit.
                                                                                                  medicine                                                                                              CDL 11     Diabetes insipidus
                                       and other tests are covered.
                                     • 1x post-natal consultation at FP/                          Acute medicine                               Savings first.                                           CDL 12     Diabetes mellitus type 1
                                       Gynaecologist/Midwife.                                                                                  Limited to M = R2 129, M1 + = R4 408.
                                                                                                                                               (Subject to overall day-to-day limit)                    CDL 13     Diabetes mellitus type 2
    Specialised diagnostic imaging   100% Scheme tariff.
                                     Limited to R13 223 per family.                               Over-the-counter (OTC)                       *Member choice: 1. R550 OTC limit OR                     CDL 14     Dysrhythmias

    Rehabilitation services after    Vested savings.                                              medicine                                     2. Access to full PMSA for OTC purchases                 CDL 15     Epilepsy - severe
    trauma                                                                                        See benefit option rules                     (after R550 limit) = self-payment gap
                                                                                                                                               accumulation.                                            CDL 16     Glaucoma
    Oncology                         Oncology programme - PMBs only, make use of
                                     Independent Clinical Oncology Network (ICON) as                                                                                                                    CDL 17     Haemophilia
                                                                                                *The default OTC choice is 1. R550 OTC limit. Members wishing to choose the other option are
                                     the DSP.
                                                                                                welcome to contact Bestmed.                                                                             CDL 18     Hyperlipidaemia
    Peritoneal dialysis and          Subject to pre-authorisation and DSPs.
                                                                                                                                                                                                        CDL 19     Hypertension
    haemodialysis
                                                                                                                                                                                                        CDL 20     Hypothyroidism

                                                                                                                                                                                                        CDL 21     Multiple sclerosis

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Benefit Summary 2019 PACE1 - CMAC Klerksdorp
CDL                                                                      PMB                                                            Preventative Care benefits
 CDL 22      Parkinson’s disease                                          PMB 7    Female menopause
                                                                                                                                 Note:
 CDL 23      Rheumatoid arthritis                                         PMB 8    Fibrosing alveolitis
                                                                                                                                 Benefits mentioned below may be subject to pre-authorisation, clinical protocols, formularies, funding guidelines and the Mediscor Reference Price (MRP).
 CDL 24      Schizophrenia                                                PMB 9    Graves’ disease

 CDL 25      Systemic lupus erythematosus (SLE)                           PMB 10   Hyperthyroidism
                                                                                                                                  PREVENTATIVE CARE BENEFIT                    GENDER AND AGE GROUP                          QUANTITY AND FREQUENCY                    BENEFIT CRITERIA
                                                                                                                                  Flu vaccines                                 All ages.                                     1 per beneficiary per year.               Applicable to all active members
 CDL 26      Ulcerative colitis                                           PMB 11   Hypophyseal adenoma
                                                                                                                                                                                                                                                                       and beneficiaries.
                                                                          PMB 12   Idiopathic thrombocytopenic purpura
 NON-CDL                                                                                                                          Pneumonia vaccines                           Children
Benefit Summary 2019 PACE1 - CMAC Klerksdorp
PREVENTATIVE CARE BENEFIT                              GENDER AND AGE GROUP                                   QUANTITY AND FREQUENCY            BENEFIT CRITERIA
  Mammogram                                              Females 40 years and older.                            Once every 24 months.             Scheme tariff is applicable.

  HPV vaccinations                                       Females of 9-26 years old.                             3 vaccinations per beneficiary.   Vaccinations will be funded at MRP.

  Pap smear                                              Females 18 years and older.                            Once every 24 months.             Can be done at a gynaecologist
                                                                                                                                                  or FP. Consultation paid from the
                                                                                                                                                  available savings/consultation
                                                                                                                                                  benefit.

  Bestmed Wellness Programme                             Health Risk Assessment (biometric screening) at contracted pharmacy.
                                                         1 per beneficiary per year (age 21+).
  Note: Completing your Health Risk                      • Fitness assessment at a contracted biokineticist: 1 per beneficiary per year (age 13+), thereafter 3 biokineticist
  Assessment unlocks the other Wellness                    consultations per beneficiary per year. Pre-approval required.
  Programme benefits.                                    • Nutritional assessment: 1 per beneficiary per year (age 18+), thereafter 3 dietician consultations per beneficiary
                                                           per year. Pre-approval required.
                                                         • Occupational therapy assessment: 1 per beneficiary per year (ages 3-13 years).
                                                         • Baby growth assessment: At a contracted pharmacy clinic, 3 per beneficiary per year (ages 0-35 months).

Disclaimer: General and option-specific exclusions apply. Please refer to www.bestmed.co.za for more details.

                                                                                                                                                                                                 Midwife-assisted
                                                                                                                                                                                                 births are covered
                                                                                                                                                                                                 at 100% of
                                                                                                                                                                                                 Scheme tariff on
                                                                                                                                                                                                 all Pace options.

12                                                                                                                                                                               PACE1   PACE1                        13
Benefit Summary 2019 PACE1 - CMAC Klerksdorp
Maternity Care programme                                                                            Preventative dentistry                                                                 Contributions
Finding out you are pregnant comes with a whole lot of emotions, questions and                      Note:                                                                                                              PRINCIPAL              ADULT                      CHILD
information. Sometimes just knowing where to start and which information you                        Services mentioned below may be subject to pre-authorisation, clinical protocols                                   MEMBER                 DEPENDANT                  DEPENDANT*
can trust can be a challenge.                                                                       and funding guidelines.                                                                  Risk amount              R2 923                  R2 053                    R738
Pregnant members and dependants have access to the Maternity Care programme.
The programme provides comprehensive information and services and was                                 DESCRIPTION                                                                            Savings amount           R686                    R481                      R173
                                                                                                                                          AGE                    FREQUENCY
designed with the needs of expectant parents and their support network in                             OF SERVICE                                                                             Total monthly
mind. We aim to give you support, education and advice through all stages of your                                                                                                                                     R3 609                  R2 534                    R911
                                                                                                                                                                                             contribution
                                                                                                      General full-mouth                  Above 12 years.        Once a year.
pregnancy, the confinement and postnatal (after birth) period.
                                                                                                      examination by a                    Under 12 years.        Twice a year.
After registering on this programme and going for a Health Risk                                       general dentist                                                                      * You only pay for a maximum of four children. All other children can join as beneficiaries of the Scheme
Assessment (HRA) you will receive:                                                                    (incl. gloves and use                                                                free of charge.
                                                                                                      of sterile equipment
• A welcome pack containing an informative pregnancy book about the stages
                                                                                                      for the visit)
  of pregnancy.
                                                                                                      Full-mouth intra-oral               All ages.              Once every
• Discount vouchers.
                                                                                                      radiographs                                                36 months.
• A beautiful baby bag. (Sent by month 5 of your pregnancy. You will receive an SMS.)
                                                                                                      Intra-oral radiograph               All ages.              2 photos per year.
• Various baby items.
                                                                                                      Scaling and/or polishing            All ages.              Twice a year.
• Access to a 24-hour medical advice line.
                                                                                                      Fluoride treatment                  All ages.              Twice a year.
• Benefits through each phase of your pregnancy.
                                                                                                      Fissure sealing                     Up to and including    In accordance with
How to register:                                                                                                                          21 years.              accepted protocol.              For a more detailed
                                                                                                      Space maintainers                   During primary and     Once per space.
Send an e-mail to maternity@bestmed.co.za or call us on 012 472 6243.
Please include your contact details (postal/delivery addresses), your medical                                                             mixed denture stage.                                   overview of your
scheme number and your expected delivery date in the e-mail.
Go for a Health Risk Assessment (HRA) at any network pharmacy to finalise                           Disclaimer: General and option-specific exclusions apply.
                                                                                                                                                                                                 benefit option and to
your registration.                                                                                  Please refer to www.bestmed.co.za for more detail.
                                                                                                                                                                                                 receive a membership
                                                                                                                                                                                                 guide please contact
Abbreviations
CDL = Chronic Disease List; DBC = Documentation Based Care (back rehabilitation programme);
                                                                                                                                                                                                 service@bestmed.co.za
FP = Family Practitioner or Doctor; HPV = Human Papilloma Virus; M = Member; M1+ = Member and
family; MRP = Mediscor Reference Price; NPWT = Negative Pressure Wound Therapy; PMSA = Personal
Medical Savings Account; PMB = Prescribed Minimum Benefits; PPN = Preferred Provider Negotiators.
14                                                                                                                                                                                 PACE1      PACE1                                                                                                    15
086 000 2378

                   service@bestmed.co.za

                   012 472 6500

                   www.bestmed.co.za

                   @BestmedScheme

                   www.facebook.com/
                   BestmedMedicalScheme

HOSPITAL AUTHORISATION                                                       WALK-IN FACILITY                                                                         BESTMED HOTLINE, OPERATED BY KPMG
Tel: 080 022 0106                                                            Block A, Glenfield Office Park,                                                          Should you be aware of any fraudulent, corrupt or unethical
E-mail: authorisations@bestmed.co.za                                         361 Oberon Avenue, Faerie Glen,                                                          practices involving Bestmed, members, service providers or
CHRONIC MEDICINE                                                             Pretoria, 0081, South Africa                                                             employees, please report this anonymously to KPMG.
Tel: 086 000 2378                                                            POSTAL ADDRESS
E-mail: medicine@bestmed.co.za                                               PO Box 2297, Arcadia,                                                                       Hotline:             080 111 0210 toll-free from any Telkom line
Fax: 012 472 6760                                                            Pretoria, 0001, South Africa
                                                                                                                                                                         Hotfax:              080 020 0796
CLAIMS                                                                       ER24
Tel: 086 000 2378                                                            Tel: 084 124                                                                                Hotmail:             fraud@kpmg.co.za
E-mail: service@bestmed.co.za (queries)                                      INTERNATIONAL TRAVEL INSURANCE
claims@bestmed.co.za (claim submissions)                                     (BRYTE INSURANCE)                                                                           Postal:              KPMG Hotpost, at BNT 371,
MATERNITY CARE                                                               Tel: 0860 329 329 (RSA only) during                                                                              PO Box 14671, Sinoville,
Tel: 012 472 6243                                                            office hours / 084 124 after hours                                                                               0129, South Africa
E-mail: maternity@bestmed.co.za                                              E-mail: er24@brytesa.com
                                                                             Claims: travelclaims@brytesa.com

For a more detailed overview of your benefit option and to receive a membership guide please contact service@bestmed.co.za
Disclaimer: All the 2019 product information appearing in this brochure is provided without a representation or warranty whatsoever, whether expressed or implied, and no liability pertaining
thereto will attach to Bestmed Medical Scheme. All information regarding the 2019 benefit options and accompanying services including information in respect of the terms and conditions
or any other matters is subject to prior approval of the Council for Medical Schemes (CMS) and may change without notice having due regard to the CMS’s further advices. Bestmed accepts no
liability whatsoever for any loss whether direct, indirect or consequential arising from information provided in this brochure or any actions and/or transactions resulting therefrom. Please note
that should a dispute arise, the registered Rules, as approved by the Registrar of Medical Schemes, shall prevail.
Please visit www.bestmed.co.za for the complete liability and responsibility disclaimer for Bestmed Medical Scheme as well as our terms and conditions.
Bestmed Medical Scheme is a registered medical scheme (Reg. no. 1252) and an Authorised Financial Services Provider (FSP no. 44058). ©Bestmed Medical Scheme 2018.
13267 Bestmed Brochure A5 ENG_Pace1. This brochure was printed in October 2018. For the most recent version please visit our website at www.bestmed.co.za
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