AQUARIUM SCHEDULE - POLMED
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
AQUARIUM AQUARIUM ANNEXURE B1 Reference in this Annexure and the following Annexures to the term: PREVIOUSLY KNOWN AS THE LOWER PLAN E ‘Polmed rate’ shall mean: 2006 NHRPL + inflationary figure (i.e. the 2006 base tariff increased by the inflationary amounts); and E ‘Agreed tariff’ shall mean: The rate negotiated by and on behalf of the Scheme with one or more providers/groups. AQUARIUM SCHEDULE Benefits for services outside the Republic of South Africa (RSA) SCHEDULE OF BENEFITS WITH EFFECT FROM 1 JANUARY 2016 Subject to the provisions contained in these Rules, The Scheme does not grant benefits for services rendered outside the including all Annexures, members making monthly borders of the RSA. A claim for such services will, however, be considered if the benefit category and limitations applicable in the RSA can be contributions at the rates specified in Annexure B3 shall be determined. The benefit will be paid according to the Polmed rate. entitled to the benefits as set out below, with due regard However, it remains the responsibility of the member to acquire insurance to the provisions in the Act and Regulations in respect of cover when travelling outside the borders of the RSA. prescribed minimum benefits (PMBs).
GENERAL RULES countries. (Travel documents must be any claims reviewed will not be paid AQUARIUM AQUARIUM submitted as proof.) from the chronic medicine benefit, Payment in respect of over-the-counter but from the acute medicine benefit In hospital 90 days from birth, Scheme Rule 7.1.2 (OTC), acute and chronic medicine will if benefits exist. This only applies to shall apply. All admissions (hospitals and day clinics) be limited to the medicine reference authorisations that are not on-going must be pre-authorised; otherwise a price. This is the maximum allowed cost and have an expiry date. Benefits shall also be granted if the penalty of R5 000 may be imposed if no and may be based on either generic child is stillborn. pre-authorisation is obtained. or ‘formulary’ reference pricing. The The Scheme shall only consider claims balance of the cost needs to be funded for medicines prescribed by a person In the case of emergency, the Scheme Dental procedures by the member. legally entitled to prescribe medicine must be notified within 48 hours or on All dental procedures performed in and which is dispensed by such a the first working day after admission. hospital require pre-authorisation. Pre-authorisation is required for items person or a registered pharmacist. The dentist’s costs for procedures funded from the chronic medication Pre-authorisation will be managed that are normally done in a doctor’s benefit. Pre-authorisation is based Flu vaccines and vaccines for children under the auspices of managed rooms, when performed in hospital, on evidence-based medicine (EBM) under six years of age are obtainable healthcare. The appropriate facility has shall be reimbursed from the out-of- principles and the funding guidelines without prescription. to be used to perform a procedure, hospital (OOH) benefit, subject to the of the Scheme. Once predefined based on the clinical requirements, availability of funds. The hospital and criteria are met, an authorisation will be Specialist referral as well as the expertise of the doctor anaesthetist’s costs for non-PMB dental granted for the diagnosed conditions. All Polmed beneficiaries need to be doing the procedure. procedures performed in hospital will Beneficiaries will have access to referred to specialists by a general be reimbursed from the overall non- a group (’basket’) of medicines practitioner (GP). The beneficiary or Benefits for private or semi-private PMB benefit, subject to the availability appropriate for the management of the referring GP is required to obtain a rooms are excluded unless they are of funds. their particular conditions/diseases referral number, which can be obtained motivated and approved prior to for which they are registered. There is from the Scheme. The Scheme will admission upon the basis of clinical Specialised radiology no need for a beneficiary to apply for impose a co-payment of up to R1 000 need. a new authorisation if the treatment Pre-authorisation is required for all if the member consults a specialist prescribed by the doctor changes scans, failing which the Scheme may without the referral. The co-payment Medicine prescribed during and the medicines are included impose a co-payment up to R1 000 per will be payable by the member to the hospitalisation forms part of the in the condition-specific medicine procedure. In the case of emergency specialist and is not refundable by the hospital benefits. basket. Updates to the authorisation the Scheme must be notified within Scheme. will be required for newly diagnosed 48 hours or on the first working day of Medicine prescribed during conditions for the beneficiary. the treatment of the patient. (This co-payment is not applicable to hospitalisation to take out (TTO) will Medication that is not included in the the following specialities/disciplines: be paid to a maximum of seven days’ baskets may be available through an supply or a rand value equivalent Medication exception management process, for Gynaecologists, psychiatrists, oncologists, ophthalmologists, to it per beneficiary per admission, The chronic medication benefit shall be which a medicine-specific authorisation nephrologists [chronic dialysis], dental except for anticoagulants post-surgery subject to registration on the Chronic may be granted; this process requires specialists, pathology, radiology and and oncology medication, which will Medicine Management Programme for motivation from the treating service supplementary/allied health services.) be subject to the relevant managed those conditions which are managed provider and will be reviewed based The Scheme will allow two specialist healthcare programme. and chronic medication rules will apply. on the exceptional needs of the visits per beneficiary per year without Payment will be restricted to one beneficiary. the requirement of a GP referral to cater Maternity: The costs incurred in respect month’s supply in all cases for acute for those who clinically require annual of a new-born baby shall be regarded and chronic medicine, except where the The member needs to re-apply for and/or bi-annual specialist visits. as part of the mother’s cost for the member submits proof that more than an authorisation at least one month first 90 days after birth. If the child one month’s supply is necessary, e.g. prior to expiry of an existing chronic However, the Scheme will not cover is registered on the Scheme within due to travel arrangements to foreign medicine authorisation, failing which the cost of the hearing aid if there is
no referral from one of the following DEFINITION OF TERMS AQUARIUM AQUARIUM providers: GP, ear, nose and throat Examples of designated service (ENT) specialist, paediatrician, physician providers (where applicable) are: or neurologist. E cancer (oncology) network Co-payment orthodontic treatment, removal of impacted teeth, and maxillofacial E general practitioner (GP) A co-payment is an amount payable Ex gratia benefit surgery. All specialised dentistry network by the member to the service services and procedures must be The Scheme may, at the discretion E hospital network provider at the point of service. This pre-authorised, failing which the of the Board of Trustees, grant an ex E optometrist (visual) network includes all the costs in excess of Scheme will impose a co-payment gratia payment upon written application E psycho-social network those agreed upon with the service of R500. from members as per the Rules of the E renal (kidney) network provider or in excess of what would Scheme. E specialist network. be paid according to approved treatments. A co-payment would not Registration for chronic Pro rata benefits be applicable in the event of a life- medication threatening injury or an emergency. Polmed provides for a specific The maximum annual benefits referred Designated GP provider list of chronic conditions that are to in this schedule shall be calculated from 1 January to 31 December each (network GP) Medicine reference price funded from the chronic medicine Members are allowed two visits to a This is the reference pricing system benefit (i.e. through a benefit that is year, based on the services rendered GP who is not part of the network per applied by the Scheme; it may be separate from the acute medication during that year and shall be subject to beneficiary per annum for emergency derived based on either generic benefit). Polmed requires members pro rata apportionment calculated from or out-of-town situations. Co-payments or ‘formulary’ reference pricing. to apply for authorisation via the the member’s date of admission to the shall apply once the maximum out-of- This pricing system refers to the Chronic Medicine Management Scheme to the end of that financial year. network consultations are exceeded. maximum price that Polmed will pay Programme to access this chronic for a particular medication. Should a medication benefit. Members will Designated service provider receive a letter by post or e-mail (out-of-network rule) Designated pharmacy network reference price be set for a generic or therapeutic class of medication, indicating whether their application Polmed has appointed healthcare Polmed has appointed service was successful or not. If successful, patients are entitled to make use of providers (or a group of providers) as providers for the provision of chronic the beneficiary will be issued with any medication within this pricing designated service providers (DSPs) for medication. The Scheme utilises the a disease-specific authorisation, limit, but will be required to make a diagnosis, treatment and care in respect courier pharmacies as the primary which will allow access to a range of co-payment on medication priced of one or more prescribed minimum service provider, with retail pharmacies medicines that are referred to as the above the reference pricing limit. benefit (PMB) conditions. Where the providing secondary support for disease authorisation basket. The fundamental principle of any Scheme has appointed a DSP and the those members who prefer personal reference pricing system is that it interaction. Where the member member voluntarily chooses to use an chooses to use an alternative provider, does not restrict a member’s choice Enrolment on the Disease alternative provider, all costs in excess of medicine, but instead limits Management Programme of the agreed rate will be for the cost of the member shall be liable for a co- the amount that will be paid for it. Members will be identified and the member and must be paid directly payment of 20% of the costs that must Accessibility of products within the contacted in order to enrol on the to the provider by the member. be paid directly to the provider by the reference price groups is taken into Disease Management Programme. member. account when defining the group. The Disease Management You can access the list of providers at You can access the list of providers at Programme aims to ensure that www.polmed.co.za, on your cell phone www.polmed.co.za, on your cell phone Specialised dentistry members receive health information, via the mobile site or request it via the via the mobile site or request it via the Specialised dentistry refers to guidance and management of Client Service Department. Client Service Department. services that are not defined as basic their conditions, at the same E Pharmacy (medicine) DSP dentistry. These include periodontal time improving compliance to surgery, crowns and bridges, implant treatment prescribed by the medical procedures, inlays, indirect veneers, practitioner. Members who are
AQUARIUM BENEFIT SCHEDULE AQUARIUM AQUARIUM registered on the programme Basic dentistry receive a treatment plan (care plan) Basic dentistry refers to procedures which lists authorised medical that are used mainly for the Benefit design This option provides for benefits services, such as consultations, blood detection, prevention and treatment to be provided only in appointed tests and radiological tests related to of oral diseases of the teeth designated service provider (DSP) the management of their conditions. and gums. These include the hospitals alleviation of pain and sepsis, the The claims data for chronic repair of tooth structures by direct It also provides a reasonable level medication, consultations and restorations/fillings and replacement of out-of-hospital (day-to-day) care hospital admissions is used to of missing teeth by plastic dentures. identify the members that are This option is intended to provide eligible for enrolment on the Other procedures that fall under the for the needs of families who have programme. Members are also category are: little healthcare needs or whose encouraged to register themselves chronic conditions are under control on the programme. E consultations This option is not intended for E fluoride treatment and fissure GENERAL BENEFIT RULES members who require medical sealants assistance on a regular basis, or E non-surgical removal of teeth who are concerned about having E cleaning of teeth, including extensive access to health benefits non-surgical management of gum disease Pre-authorisation, Where the benefit is subject to E root canal treatment. referrals, protocols pre-authorisation, referral by and management by a designated service provider programmes (DSP) or general practitioner (GP), adherence to established protocols or enrolment upon a managed care Disclaimer: In the programme, members’ attention is event of a dispute drawn to the fact that there may be the registered rules no benefit at all or a much reduced of POLMED will benefit if the pre-authorisation, apply. referral by a DSP or GP, adherence to established protocols or enrolment upon a managed care programme is not complied with (a co-payment may be applied) The pre-authorisation, referral by a DSP or GP, adherence to established protocols or enrolment upon a managed care programme is stipulated in order to best care for the member and his/her family and to protect the funds of the Scheme
AQUARIUM AQUARIUM Dentistry (conservative and 100% of Polmed rate restorative) Limits are per annum Unless there is a specific indication Dentist’s costs for all non-PMB GENERAL BENEFIT RULES to the contrary, all benefit amounts procedures will be reimbursed from and limits are annual the out-of-hospital (OOH) benefit Statutory prescribed There is no overall annual limit for minimum benefits PMBs/life-threatening emergencies The hospital and anaesthetist’s costs (PMBs) will be reimbursed from the overall non-PMB limit Tariff 100% of Polmed rate or agreed tariff or at cost for involuntary Emergency medical assistance 100% of agreed tariff access to PMBs Netcare 911 (082 911) is the DSP Chronic kidney dialysis 100% of agreed tariff at DSP National Renal Care (NRC) and Fresenius Medical Care are preferred providers IN-HOSPITAL BENEFITS Mental health 100% of Polmed rate or at cost for PMBs Annual overall in-hospital limit Non-PMB admissions will be subject Annual limit of 21 days per In-hospital benefits are subject to to an overall limit of R200 000 per beneficiary the Scheme’s relevant managed family healthcare programmes and Limited to a maximum of three days’ includes the application of R8 000 co-payment for admission to hospitalisation for beneficiaries treatment protocols, case a non-DSP hospital admitted by a GP or a specialist management and pre-authorisation; physician IN-HOSPITAL BENEFITS a R5 000 penalty may be imposed if No co-payment if the procedure is no pre-authorisation is obtained performed in a DSP and/or a day Additional hospitalisation to clinic be motivated by the medical Subject to PMBs, i.e. no limit in case practitioner of life-threatening emergencies or Medication: Non-PMB 100% of Polmed rate for PMB conditions specialist drug limit, Pre-authorisation required e.g. biologicals Subject to applicable tariff, i.e. 100% Specialised medicine sub-limit of of Polmed rate or agreed tariff or at R69 430 per family cost for involuntary access to PMBs Oncology (chemotherapy and 100% of agreed tariff at DSP radiotherapy) Limited to R231 578 per beneficiary Independent Clinical Oncology per annum; includes MRI/CT or PET Network (ICON) is the DSP scans related to oncology
AQUARIUM AQUARIUM Organ and tissue transplants 100% of agreed tariff at DSP or at Annual overall out-of-hospital M0 – R7 865 cost for PMBs (OOH) limit M1 – R9 529 M2 – R11 575 Subject to clinical guidelines used in Benefits shall not exceed the M3 – R12 349 State facilities amount set out in the table M4 + – R14 151 Unlimited radiology and PMBs shall first accrue towards the pathology for organ transplant and total benefit, but are not subject to immunosuppressants limit Pathology Service will be linked to hospital In appropriate cases the limit for pre-authorisation medical appliances shall not accrue Physiotherapy Service will be linked to hospital towards this limit OVERALL OUT-OF-HOSPITAL BENEFITS pre-authorisation Out-of-hospital benefits are subject Prostheses (internal and 100% of Polmed rate to: external) • protocols and clinical guidelines IN-HOSPITAL BENEFITS Subject to pre-authorisation and • PMBs approved product list • the applicable tariff, i.e. 100% of Polmed rate or agreed tariff or at Limited to R57 240 per beneficiary cost for involuntary PMB access Refractive surgery No benefit Dentistry (conservative and 100% of Polmed rate restorative) Subject to the OOH limit and General practitioners (GPs) 100% of agreed tariff at DSP, 100% includes dentist’s costs for in- of Polmed rate at non-DSP or at hospital, non-PMB procedures cost for involuntary PMB access Specialists 100% of agreed tariff at DSP, 100% Routine consultation, scale and of Polmed rate for non-DSP or at polish are limited to two annual cost for involuntary PMB access check-ups per beneficiary Anaesthetists 150% of Polmed rate or at cost for Oral hygiene instructions are limited PMBs to once in 12 months per beneficiary
AQUARIUM AQUARIUM General practitioners (GPs) 100% of agreed tariff at DSP or at Pathology M0 – R2 767 POLMED has a GP network cost for involuntary PMB access M1 – R4 092 M2 – R4 950 The limit for consultations shall M3 – R6 127 accrue towards the OOH limit M4 + – R7 590 Subject to maximum numbers of The defined limit per family will visits/consultations per family per apply for any pathology service annum, as follows: done out of hospital M0 – 8 M1 – 12 Physiotherapy 100% of Polmed rate M2 – 15 M3 – 18 Annual limit of R2 141 per family OVERALL OUT-OF-HOSPITAL BENEFITS OVERALL OUT-OF-HOSPITAL BENEFITS M4 + – 22 Subject to the OOH limit Medication (acute) 100% of Polmed rate Social worker 100% of Polmed rate Annual limit of R8 544 per family Annual limit of R2 020 per family Subject to the OOH limit and the medicine reference price Subject to the OOH limit Medication (over-the-counter 100% of Polmed rate Specialists 100% of agreed tariff at DSP or at Referral is not necessary for cost for involuntary PMB access [OTC]) Annual limit of R850 per family gynaecologists, psychiatrists, oncologists, ophthalmologists, The limit for consultations shall Subject to the OOH limit; shared nephrologists (dialysis), dental accrue towards the OOH limit limit with acute medication specialists and supplementary/allied health services (excluding audiology Limited to four visits per beneficiary Audiology 100% of Polmed rate services) and eight visits per family per annum Subject to the OOH limit Subject to referral by a GP (two Subject to referral by GP, ear, specialist visits per beneficiary nose and throat (ENT) specialist, without GP referral allowed) paediatrician, physician or neurologist R1 000 co-payment if no referral is obtained Occupational and speech PMBs only therapy Benefit first accrues to the OOH limit
Allied health services and No benefit Appliances (medical and Medical Annual limit of AQUARIUM AQUARIUM alternative healthcare surgical) assistive R2 406 per family providers (continued) devices and includes Includes biokineticists, medical devices in/ chiropractors, dieticians, out of hospital homeopaths, chiropodists, podiatrists, reflexologists, Dentistry (specialised) No benefit except for PMBs naturopaths, orthoptists, osteopaths Pre-authorisation required Only covers specialised dental and therapeutic massage therapists procedures done in/out of hospital that meet PMB criteria Benefit is subject to clinically appropriate services Maternity benefits, including 100% of agreed tariff at DSP, 100% home birth of Polmed rate at non-DSP or at Appliances (medical and 100% of Polmed rate and subject to: Pre-authorisation required and cost for involuntary PMB access surgical) Blood No limit treatment protocols apply Pre-authorisation is required for the transfusions The limit for consultations shall not supply of oxygen accrue towards the OOH limit STAND- ALONE BENEFITS STAND-ALONE BENEFITS Hearing aids R10 102 per All costs for maintenance are a hearing aid or The benefit shall include three Scheme exclusion R20 076 per specialist consultations per beneficiary per set beneficiary per pregnancy Members must be referred for every three years audiology services for hearing aids Nebuliser R1 145 per family Home birth is limited to R12 868 per to be reimbursed once every four beneficiary per annum years Annual limit of R3 604 for ultrasound Glucometer R1 145 per family scans per family; limited to two 2D once every four scans per pregnancy years Benefits relating to more than two CPAP R8 183 per family antenatal ultrasound scans and machine once every four amniocenteses after 32 weeks years of pregnancy are subject to pre- Wheelchair R10 695 per authorisation (non- beneficiary once Maxillofacial No benefit except for PMBs motorised) every three years Pre-authorisation required Wheelchair R30 676 per Surgical removal of impacted teeth (motorised) beneficiary once is covered subject to overall non- every three years PMB limit Insulin Paid from the delivery hospital benefit up devices to the mean price and urine of three quotations catheters
AQUARIUM AQUARIUM Chronic medication refers to No benefit except for PMBs Optical OR CONTACT LENSES non-PMB conditions (continued) Subject to the medicine reference Contact lenses to the value of R580 Subject to prior application and/or price registration of the condition Contact lens re-examination to a maximum cost of R210 per Approved PMB-CDL conditions are consultation not subject to a limit Non-PPN provider would be: Designated service providers: Courier pharmacies: Medipost and One consultation limited to a Pharmacy Direct maximum cost of R325 Retail pharmacies: Clicks and AND EITHER SPECTACLES MediRite R580 towards a frame and/or lens Optical The benefit per beneficiary (per enhancements STAND-ALONE BENEFITS STAND-ALONE BENEFITS Includes frames, lenses and eye 24-month benefit cycle) at a PPN examinations provider would be: WITH EITHER The eye examination is per One composite consultation, One pair of clear Aquity single- beneficiary every two years (unless inclusive of refraction, tonometry vision lenses, limited to R150 per prior approval for clinical indication and visual field screening; collection lens, or one pair of clear Aquity has been obtained) of blood pressure, glucose and bifocal lenses, limited to R325, cholesterol readings or multifocal clear Aquity lenses Benefits are not pro rata, but covered up to the value of clear calculated from the benefit service AND EITHER SPECTACLES bifocal lens limit date A PPN frame to the value of OR CONTACT LENSES Each claim for lenses or frames R150 and R430 towards lens must be submitted with the lens enhancements Contact lenses to the value of R580 prescription OR Contact lens re-examination to Benefits shall not be granted for a maximum cost of R210 per contact lenses if the beneficiary has R580 towards the cost of any consultation already received a pair of spectacles alternative frame and/or lens in a two-year benefit cycle enhancements Annual contact lens limit is specified WITH EITHER Contact lens re-examination can be One pair of clear Aquity single- claimed for in six-monthly intervals vision or clear Aquity bifocal lenses or clear Aquity multifocal lenses Preferred Provider Negotiators covered up to the value of clear (PPN) is the preferred provider bifocal lens limit network
AQUARIUM AQUARIUM Preventative care (refer to 100% of Polmed rate or agreed tariff Radiology (specialised) 100% of agreed tariff or at cost for STAND-ALONE BENEFITS Annexure E) where applicable Pre-authorisation required PMBs One wellness measure per year, including: Early detection screening limited to Limited to R34 610 per family • Blood pressure test periods specified in Annexure E • Body mass index test Includes any specialised radiology • Waist-to-hip ratio measurement Funded from the risk pool; the service done in/out of hospital • Cholesterol screening (Z13.8) benefit shall not accrue to the OOH • Glucose screening (Z13.1) limit Claims for PMBs first accrue towards • Healthy diet counselling (Z71.3) the limit • Risk assessment tests: – Baby immunisation (as per Subject to a limit of two scans per the Department of Health beneficiary per annum, except for guidelines) PMBs – Bone densitometry scan – Circumcision – Contraceptives (as per STAND-ALONE BENEFITS the Department of Health guidelines) – Dental screening (codes 8101, 8151 and 8102) – Flu vaccine – Glaucoma screening – HIV tests – Mammogram – Pap smear – Pneumococcal vaccine – Prostate screening – Psycho-social services ANNEXURE B2 Radiology (basic) 100% of agreed tariff or at cost for i.e. black and white X-rays and soft PMBs tissue ultrasounds Limited to R4 950 per family CO-PAYMENTS Includes any basic radiology done OUT OF NETWORK CO-PAYMENT in/out of hospital General practitioner (GP) Allows for two out-of-network consultations Claims for PMBs first accrue towards the limit Co-payment shall apply once maximum out- of-network consultations are exceeded Hospital R8 000 Pharmacy 20% of costs
Pulmonary diseases AQUARIUM AQUARIUM ANNEXURE B4 Asthma COPD Bronchiectasis AQUARIUM: CHRONIC CONDITIONS Cystic fibrosis Prescribed minimum benefits (PMBs), including chronic Psychiatric conditions diagnostic treatment pairs (DTPs) Affective disorders (depression and Chronic medication is payable from chronic medication benefits. Once bipolar mood disorder) the benefit limit has been reached, it will be funded from the unlimited Schizophrenic disorders PMB pool. Special category conditions Auto-immune disorder Gynaecological conditions HIV/AIDS Tuberculosis Systemic lupus erythematosis (SLE) Endometriosis Organ transplantation Menopausal treatment Cardiovascular conditions Treatable cancers Cardiac dysrhythmias Haematological conditions As per PMB guidelines Coronary artery disease Haemophilia Cardiomyopathy Anaemia Heart failure Idiopathic thrombocytopenic purpura Urological Hypertension Megaloblastic anaemia conditions Peripheral arterial disease Chronic renal failure Thromboembolic disease Metabolic condition Benign prostatic Valvular disease hypertrophy Hyperlipidaemia Nephrotic syndrome and Endocrine conditions Musculoskeletal condition glomerulonephritis Addison’s disease Renal calculi Rheumatic arthritis Diabetes mellitus type I Diabetes mellitus type II Diabetes insipidus Neurological conditions Hypo- and hyperthyroidism Epilepsy Cushing’s disease Multiple sclerosis Hyperprolactinaemia Parkinson’s disease Polycystic ovaries Cerebrovascular incident Primary hypogonadism Permanent spinal cord injuries Gastro-intestinal conditions Ophthalmic condition Crohn’s disease Glaucoma Ulcerative colitis Peptic ulcer disease (requires special motivation)
You can also read