I Am Forced To Be On Medical Aid That Has Done Nothing For Me But Cause Me Stress And Add To My Deteriorating Health Issues

I am with BankMed by force. The past year with BankMed has been the worst experience of my life.

Prior to BankMed I was on discovery Key Care Plus since around 2005. This plan worked for me up until last year when i started working for a bank and was forced to change to Bankmed. When i joined i was on the Saver plan. Because of my sinus problem i have to see the doctor maybe more often than most. I also have problems with my joints and i've had an op each of my hands. Most of all the treatment i required was paid for out of my savings plan so there was no time to accumulate savings and soon enough i had no cover because savings was depleted. After this experience i decided to go with the Bankmed Basic Plan assuming it would not much different than Discovery Key Care Plus. Boy was i wrong. This plan could be worse and more expensive than the others above it. This plan basically left me broke. All it does for me is pay for the GP other than that i have had to dish out money constantly. If i had the cash to spare don't you think i would have been on a plan with better coverage?

I have a chronic Sinus problem. That has been an issue for years and it just gets worse. So for this year i've spent more than R3000 on sinus meds. I had an operation 2 years ago but the condition is not better but worse. The last time i was at my ENT he requested that i go for a SINUS CT SCAN. BankMed rejected the claim and i am still stuck with a constant ear and sinus infection STILL because BankMed does feel i need this treatment/help from the doctor. Since the rejection my condition has become worse. If its not treated it could affect my hearing perminantly but these are all not good enough reason to assist the doctor with trying to find the root cause of my problem. So i wonder when i go deaf will Bankmed cover my hearing aid?

A few weeks ago i was in a motor vehicle accident. I was taken to beloved Unitas Hospital because that EXPENSIVE hospital is on BankMed's preferred List. I was charged "New And Established Patient:Consultation/Visit R406.00 (what does even mean? i am surely not a new patient to this hospital) and For An Unscheduled Emergency Consultantation/Visit R480.90 (who the hell schedules emergencies?). And i had to pay all this CASH upfront. I say again if i could afford to dish out all this CASH would i really be on a BASIC PLAN??? Today i get an email from BankMed (after asking 2 times for a response) to say that they will only be reimbursing me R489.00 of the R886.90 i had to pop out because of the following reason, Reason code 45: This claim exceeds the maximum amount payable by the Scheme. Apart from having to pop out almost R1000 after having an accident, i had to buy AGAIN meds with R650. So this unfortunate day cost me R1536.90 in total. Almost the same amount of the installment. What is the point of having medical aid if i have to spend so much cash? Why would i be on basic plans if i had the cash to spend? Would it make more sense for me to rather not have medical aid at all and just keep the month installment for treatments when necessary? I OBVIOUSLY had to have xrays taken as i WAS IN A MOTOR VEHICLE ACCIDENT AFTER ALL. For what ever reason BANKMED will not pay for the xrays i had taken on the 26th September (2 DAYS AFTER THE MOTOR VEHICLE ACCIDENT) which was done to check for blood clots because my legs were bruised badly because of airbags. So no i owe the Radiologist money as if i am not broke enough thanks to this good for nothing medical aid. Now i need physio. Will i ever get it.

Thanks to work life stress and BankMed, i have been suffering from anxiety. The gp prescribed meds for me but i have never went to get them because i'll have to pay for it out of my empty pocket.

CAN SOME TELL ME WHY I HAVE TO STAY ON THIS BAD MEDICAL AID. ALL I WANT IS TO GO BACK TO DISCOVERY KEYCARE PLUS BECAUSE I WAS PROPERLY COVERED AND I HARDLY HAD TO POP OUT CASH FOR MUCH OF ANYTHING AND I DID ON THE RARE OCCASION I DID NOT MIND. IT DOES NOT EVEN MAKE SENSE THAT I AM FORCED TO BE ON THIS MEDICAL AID THAT IS GIVING NOTHING FOR THE SAME AMOUNT DISCOVERY WAS GIVING ME EVERYTHING I NEED.... AND BANKMED IS UNDERWRITTEN BY DISCOVERY.

Thanks to BankMed i am going to become deaf (am i covered for hearing aid?), i'm going to be addicted to cheap over the counter meds because my sinus issue will never be sorted (am i covered for rehab?), in a loony bin (and it seems when you off your head that's when you going to see your money's worth) and last but not least cripple (am i covered for wheel chair?).

I hate this medical aid. Its ****ing me. I'm in tears honest. I hate it!