Are you prepared to use designated hospitals?:
Hospital Rate of Payment:
Unlimited at 100% Momentum Health Rate(MHR)
Upfront Payments to hospitals:
R1 570 standard upfront payment applies per admission, except for motor vehicle accidents, maternity confinements and emergency treatment. An additional upfront payment of R3 150 may apply to admissions where specialised procedures are required. If you use a hospital outside of the Evolve Hospital Network, Momentum pays 70% of MHR and you are responsible for the other 30%
Casualty / Emergency Visits:
Subject to HealthSaver, if available
Specialists:
Full cover for Associated specialists. Other specialists at 100% of MHR
Other healthcare professionals eg. Physio, Occupational, Dietician:
Scopes (gastroscopy, colonoscopy, sigmoidoscopy and proctoscopy):
Subject to pre-authorisation. Specialised procedure co-payment of R4 720 applies if performed in-hospital. Co-payment of R1 570 if performed out-of-hospital. Anaesthetists are covered up to R480
MRI and CT scans:
Unlimited at 100% of MHR. Subject to pre-authorisation and co-payment of R2 620 per scan
Dialysis:
Limited to Prescribed Minimum Benefits(PMBs) at State facilities
Organ Transplants:
Limited to PMBs at State facilities
Oncology / Cancer:
R200 000 per beneficiary per annum, thereafter a 20% co-payment applies. You need to obtain your oncology treatment and medication from the Evolve Network of Oncologists
Neck and Back Operations:
Limited to PMBs at State facilities. Subject to prosthesis limit
Joint Replacements:
Limited to PMBs at State facilities. Subject to prosthesis limit
Medical and Surgical Appliances:
In-hospital: R5 950 per family
In Hospital Dentistry:
Maxillofacial surgery only. Limited to PMBs at State facilities
Rehabilitation, Hospice and Step-down facilities:
Treatment for Mental Health:
Limited to PMBs at State facilities. Includes psychiatry and psychology. Drug and alcohol rehabilitation sub-limited to 21 days
HIV / AIDS:
At a State provider. Anti-retroviral treatment unlimited. HIV related admissions limited to R37 900 per family
Ambulance Service:
Netcare 911 in an emergency
International Travel Benefit:
R5m emergency cover, per beneficiary per 90-day journey. Includes R15 500 each for emergency optometry and dentistry and R765 000 terrorism cover. A co-payment of R1 710 applies per out-patient claim