Discovery scheme torment for Joburg woman

LazyLion

King of de Jungle
Joined
Mar 17, 2005
Messages
105,605
Rules are rules and you get what you pay for.
If she had been previously aware of her spinal condition she should have moved up to a more comprehensive plan.
Not all plans cover everything.
The Medical Aids have to stay liquid as well.
 

ryu

Expert Member
Joined
Aug 27, 2009
Messages
2,775
Rules are rules and you get what you pay for.
If she had been previously aware of her spinal condition she should have moved up to a more comprehensive plan.
Not all plans cover everything.
The Medical Aids have to stay liquid as well.

looks like the condition was covered and the issue was around the device that was to be used in the operation, red tape IMHO and the lack or communication to the client is just plain shocking and very bad service, anyway seems the second opinion was accepted which rules out the condition not being covered in the policy.
 

grim

Expert Member
Joined
Jan 6, 2006
Messages
3,733
Most certainly serious. If Discovery did nothing wrong they should provide an explanation of the situation and why they took the action they took. By remaining deadly quiet they are looking more and more like the bad guys that we often hear they are.

In my experience you need to have a doctors degree or tons and tons of free time to even begin to grasp which conditions are not covered by the medical schemes.

Try reading the entire article:

In a statement received from Discovery, Dr Jonathan Broomberg (CEO Discovery Health Medical Scheme) said that the scheme “provides cover for spinal surgery according to the benefits of a member’s specific plan type. As spinal surgery carries significant risks and should only be done where appropriate, these benefits are also subject to defined clinical guidelines, which are developed in consultation with leading spinal surgeons in South Africa. This ensures that the guidelines take into account the latest available published evidence and the best available local and international expertise, including the risks and benefits for patients from this type of surgery.”

With regard to the Smith’s case he said, “The initial request for funding for the spinal surgery using the interspinous device was declined, as Mrs Smith did not meet the criteria as per the Spine Society Guidelines. This does not imply that any spinal surgery was declined, but only the use of this specific device.

Subsequently Mrs Smith consulted a new doctor to obtain a second opinion, and late last week, Discovery Health received further detailed clinical information. This updated information was submitted to the SA Spine Society, which confirmed that the patient will benefit from spinal surgery in terms of the Society Guidelines.

This was not the case based on the prior information. Based on this updated information, we have indicated to the member that the spinal surgery will be authorised immediately.”

It was initially declined :

Mrs Smith did not meet the criteria as per the Spine Society Guidelines.

Then after another assessment based on other info it was approved:

This was not the case based on the prior information. Based on this updated information, we have indicated to the member that the spinal surgery will be authorised immediately.”

Discovery followed their procedures, just because you feel or one doctor feels you should have some or other surgery doesn't mean your medical aid has to jump and pay up. There will be far more fraud going on than there already is with medical aid schemes.

Doctors aren't gods, they are human they make mistakes, they make incorrect diagnoses it happens. Discovery felt that the original assessment didn't warrant the requested operation and after receiving more information they approved it. Nothing wrong with that.
 

Wyzak

Expert Member
Joined
Mar 12, 2007
Messages
4,034
Rules are rules and you get what you pay for.
If she had been previously aware of her spinal condition she should have moved up to a more comprehensive plan.
Not all plans cover everything.
The Medical Aids have to stay liquid as well.

You have do disclose a pre-existing condition and they will in all likelihood have excluded cover for it.

Besides, as I mentioned above: Do you have the required medical expertise to understand all the medical jargon? I don't.
 

SirFooK'nG

Executive Member
Joined
Feb 13, 2009
Messages
8,502
Discovery will try its utmost to worm out of paying. Took 2 months to get my cancer plan approved... so for two months I sat in limbo with stage 3 cancer while oncologists / surgeons submitted and re-submitted documentation & arguments for approval...
 

Wyzak

Expert Member
Joined
Mar 12, 2007
Messages
4,034
Discovery followed their procedures, just because you feel or one doctor feels you should have some or other surgery doesn't mean your medical aid has to jump and pay up. There will be far more fraud going on than there already is with medical aid schemes.

Doctors aren't gods, they are human they make mistakes, they make incorrect diagnoses it happens. Discovery felt that the original assessment didn't warrant the requested operation and after receiving more information they approved it. Nothing wrong with that.

And why does that excuse them from explaining this high-profile situation to their other members?
 

LazyLion

King of de Jungle
Joined
Mar 17, 2005
Messages
105,605
You have do disclose a pre-existing condition and they will in all likelihood have excluded cover for it.

They only exclude cover for new members arriving. They would not exclude cover when migrating to a higher coverage plan within the same medical scheme.
 

Wyzak

Expert Member
Joined
Mar 12, 2007
Messages
4,034
They only exclude cover for new members arriving. They would not exclude cover when migrating to a higher coverage plan within the same medical scheme.

How sure are you about that? Doesn't that refute your argument about them having to protect themselves financially? I had to full in a several page long medical questionnaire when I just updated my salary.
 

Compton_effect

Honorary Master
Joined
Sep 7, 2006
Messages
12,292
My 2 year old has a selective antibody immune deficiency with a high suseptibility to s. pneumoniae and h. infuenzae infections.
The reason I could remember what is because I have the application for Chronic Illnes Benefits form open in front of me.
You know those bugs most kids get, have a fever the night and then is fine the next day? He gets the same bug, ends up with a contant fever and on a Rossyphin I.V. in the pediatric ward.
In his case he has to receive a low dosage of Zythromax as a prophylactic measure. 1.5 ml 3 times a week. That is according to the medical guidelines. Only if that treatment is proven innefective will he get a (very expensive) immunoglobulin replacement treatment. Which Discovery will cover.
But the weekly antibiotics. 1.5ml 3 times a week - 4.5ml. The smallest prescription of Zythromax is 15ml - for R115. And only has a shelf life of 7 days. Do the math - I spend about R500 a month on mediaction where I have to throw most away every week.
I am battling to get Discovery to pay for this - have to pay it out of my own pocket.
I have a referral from one of the top Pediatricians specialing in Internal Medicine and am about to send it through again.
 

xrapidx

Honorary Master
Joined
Feb 16, 2007
Messages
40,363
Only for a limited time.

What is that time?

I injured my back slighly (sport injury) a long time ago (say 2003) - doctor prescribed myprodol and rest, so nothing serious, yet discovery excluded my back when I joined them at that time. After a few years - I left Discovery.

Now when I joined again in May, they asked for the details of the above, which I had forgotten about, and don't have on file, so asked them to please provide the details I provided at the time, as it was just that instance, and I haven't had issues since, or even remember the exact date. Needless to say, they didnt respond, but approved my application without exclusions.

Now I'm wondering what happens if I hurt my back again.
 

FlatspinZA

Expert Member
Joined
Feb 26, 2008
Messages
1,630
Discovery will try its utmost to worm out of paying. Took 2 months to get my cancer plan approved... so for two months I sat in limbo with stage 3 cancer while oncologists / surgeons submitted and re-submitted documentation & arguments for approval...

My 2 year old has a selective antibody immune deficiency with a high suseptibility to s. pneumoniae and h. infuenzae infections.
The reason I could remember what is because I have the application for Chronic Illnes Benefits form open in front of me.
You know those bugs most kids get, have a fever the night and then is fine the next day? He gets the same bug, ends up with a contant fever and on a Rossyphin I.V. in the pediatric ward.
In his case he has to receive a low dosage of Zythromax as a prophylactic measure. 1.5 ml 3 times a week. That is according to the medical guidelines. Only if that treatment is proven innefective will he get a (very expensive) immunoglobulin replacement treatment. Which Discovery will cover.
But the weekly antibiotics. 1.5ml 3 times a week - 4.5ml. The smallest prescription of Zythromax is 15ml - for R115. And only has a shelf life of 7 days. Do the math - I spend about R500 a month on mediaction where I have to throw most away every week.
I am battling to get Discovery to pay for this - have to pay it out of my own pocket.
I have a referral from one of the top Pediatricians specialing in Internal Medicine and am about to send it through again.

Yeah, that's because they're hoping you, or your son, will kick the bucket before they have to pay out!
 

Devill

Damned
Joined
Mar 25, 2008
Messages
26,822
I am in the same boat, haven't had problems with them yet....

But I can help and wonder...what will happen the day I do need them, and then they pull a stunt like this. Doesn't instill much confidence for me at all.

If they do not deliver, give them over to your lawyer.
 

Wyzak

Expert Member
Joined
Mar 12, 2007
Messages
4,034
If they do not deliver, give them over to your lawyer.

When you actually need your medical aid to pay for surgery etc you won't have the time to wait a few years for the court case.
 

Devill

Damned
Joined
Mar 25, 2008
Messages
26,822
When you actually need your medical aid to pay for surgery etc you won't have the time to wait a few years for the court case.

If you have the right legal guy/lady they will get it done faster else they will leave your children and SO set for the rest of their lives :)
 
Top