Don’t fall short on your medical aid maternity benefits

by MedXpert
Maternity benefits are crucial for expectant moms to receive the treatment they require during their pregnancy and delivery. Yet, many moms-to-be find it difficult to navigate the ins and outs of their medical aid plans. Our goal today is to provide you with some of the information you need to better understand the maternity benefits offered by your medical scheme.
Reading Time: 3 minutes

Maternity benefits are crucial for expectant moms to receive the treatment they require during their pregnancy and delivery. Yet, many moms-to-be find it difficult to navigate the ins and outs of their medical aid plans. We give you some important information you need to better understand the maternity benefits offered by your medical scheme.

Firstly, a variety of benefits are usually included in your medical aid plan for maternity, for both mom and baby. For you, these could include prenatal and postnatal appointments such as visits to a general practitioner, gynaecologist, or midwife. Plus, participating in antenatal classes and getting access to nutritionist or lactation consultants. 

For your baby, benefits may extend to registrations in baby programs, 2D sonars for tracking growth, consultations with specialists, and vaccination programs.

As a member of a medical aid, you can usually select your gynaecologist, but be aware of additional costs if you are on a network plan and your doctor is not part of your schemes network. Antenatal classes (if available) play a role in offering you important information on available options and your rights during birth. These classes may also cover topics such as nutrition, exercise, and hypotension.

During gynae visits and antenatal classes, you should ask as many questions as you can, and then discuss your choices with your partner. Even better, take your partner with you to be part of the process.

Then, in order to track your baby’s growth, identify anomalies, and ascertain the baby’s position for birth, 2D scans are frequently performed throughout pregnancy as part of routine prenatal screenings and diagnostic exams. These are usually paid for by your maternity benefits, but you should check to avoid unexpected costs. Options for 3D or 4D scans may also be available through certain medical plans, but with others these will come at an extra cost to you.

Postnatal care is equally important and may include routine clinical examinations and observations for both you and your baby. Your medical scheme may offer postnatal consultations for lactation specialists and support for postnatal depression. By understanding available benefits and support before you give birth will help you to make informed decisions should an emergency situation arise.

In addition to basic maternity benefits, some medical schemes provide baby wellness programs, doula support, 24-hour nurse lines, telephonic triage, and mental health support for postnatal depression. These benefits contribute to the overall health and well-being of both you and your baby.

MedXpert is known for assisting their clients’ with getting the most out of their health cover plans and can help you as a soon-to-be mom to register and access the maternity benefits offered by your medical scheme. Are you a soon-to-be mom with a Discovery or Momentum medical plan?

Some benefits you could enjoy as part of your maternity benefits (dependent on the specific plan that you are on): 

 Discovery offers comprehensive maternity and early childhood benefits like:

  • Antenatal consultations
  • Ultrasound scans and prenatal screening
  • Blood tests
  • Antenatal classes with a nurse
  • Essential registered devices like breast pumps and smart thermometers
  • Point-of-care devices like TytoHome, a remote monitoring medical examination device
  • Cover for your hospital stay
  • Private ward cover
  • Home births
  • Doula visits
  • GP and specialist visits
  • Breastfeeding consultations
  • Nutrition assessments

Momentum offers maternity and early childhood benefits like:

  • Antenatal visits
  • Online antenatal and postnatal classes
  • Dipstick urine tests
  • Pathology tests
  • Scans
  • Doula visits
  • Nurse home visits
  • Paediatrician visits

Accessing maternity benefits usually involves registering for specific programs offered by your medical scheme. You will need to follow a registration process to ensure seamless access to these maternity benefits and in many cases, you will need to contact your scheme for hospital authorisation. This is where it may feel overwhelming, but this is where MedXpert comes in.

MedXpert is known for assisting their clients’ with getting the most out of their health cover plans and can help you as a soon-to-be mom to register and access the maternity benefits offered by your medical scheme. 

A friendly MedXpert consultant will also help you to understand any limitations, co-payments or network restrictions.

Maternity benefits are designed to support and care for both the mother and baby during this special time. Medical schemes are there to assist during the entire pregnancy journey, providing resources, support, and care. Prospective parents and medical scheme members should be informed, proactive, and aware of the available benefits and support provided by their medical scheme. MedXpert is available, an independent advisor, to help you through your pregnancy journey. The best part, is that it’s a free service to anyone that is a member of a registered Medical Scheme.

Unlock your options now!

Related Articles

Leave a Comment