What is Health Security?

Health Security is all that you have in place to ensure that you and your dependents can access healthcare even under the most adverse conditions.

What makes the MEDISERV Plan effective in providing Health Security?

Mediserv Medical Plan is the only plan that truly considers the cycle of illness. The Cycle of illness gives a general picture of the various stages one passes from good health; to sickness; then recovery.

Good Health Phase :

Now is the time to put in place those things that only you can do and those things that can best be done by others, example medical coverage. This Cycle recognizes that while you are in good health, you have the best opportunity to prepare for the misfortune of ill health, by putting coverage in place.

Emergency Phase

In this phase you have symptoms. You have not yet accessed a competent healthcare professional to diagnose your condition. This phase can be extremely passive, dramatic or fleeting. The GEMS Card is the best devise to provide admittance. Blood is something required and obtainable via the Blood for Life Program.

Diagnostic Phase

In this phase you have the attention of a competent healthcare professional who diagnoses your illness. The GEMS Card can be useful to cover extra expenses due to the various diagnostic tests which you may be required to perform. This card can be obtained from the medical fund contract.

Treatment Phase

This is the phase where you have a definite diagnosis and a treatment is prescribed. This is where you can suffer cost escalation, recovery or death. The medical fund contract provides medical coverage optional up to $1,000,000 to pay for cost escalation that may arise.

What do I look for in a Medical Plan?

• Viability – Adequate Rates and rules designed to protect the plan from abuse and thus ensuring long-term viability.
• Reasonableness – All rules must be reasonable and be supportable with reasonable explanations
• Fairness – Any benefit given to one member must be available to any other member in the same circumstance; also when any benefit, if given to all members who qualify, will cause the plan to go into decline, shall not be available to anyone.
• Ability to provide access to medical care when needed.
• Plan designed to survive over long term.
• Covers widest range of ailments.
• No restrictive definition of what is an ailment.

How can I continue to keep my contributions affordable?

• Purchasing plan which covers only expenses and circumstances which I cannot afford to bear
• Avoiding fraudulent claims practices and discouraging others from the practice
• Encouraging others to participate in the plan, which will to increase group size and stabilize rates
• Purchase a plan with the greatest potential for growth in membership; this stabilizes rates.
• Encourage younger persons to participate in the plan; young members stabilizers rates