
Breast cancer awareness: The medical aid questions worth asking now
A breast cancer diagnosis can change far more than a person’s health. Alongside treatment decisions and emotional challenges, many patients and their families are suddenly faced with questions about medical aid benefits, healthcare costs and financial planning. During Breast Cancer Awareness Month, understanding what your medical aid covers can be just as important as understanding the disease itself. Breast cancer remains the most common cancer affecting women in South Africa. According to CANSA, a woman’s lifetime risk of developing breast cancer is approximately one in 27. While Breast Cancer Awareness Month traditionally focuses on screening, early detection and treatment, it is also an opportunity to better understand your medical aid benefits and available support. Alongside the emotional and physical demands of treatment, many people find themselves having to make decisions about healthcare costs, time away from work, transport, caregiving responsibilities and household finances. “Every person’s experience with breast cancer is different, and no two treatment journeys look the same,” says Lee Callakoppen, Principal Officer at Bonitas Medical Aid. “What many people also don’t anticipate is the financial and administrative burden that can accompany a diagnosis, even when medical aid cover is already in place.” Understanding your cover Having medical aid can provide valuable support during a serious illness, but understanding exactly what your plan covers is equally important. “People often assume that every cost associated with a cancer diagnosis will automatically be covered. A serious illness can quickly highlight the difference between having cover and understanding how that cover works,” Callakoppen explains. Cancer-related treatment may involve specific funding arrangements, healthcare provider networks, treatment protocols and authorisation requirements that differ between plan options. While Prescribed Minimum Benefits (PMBs) provide important protection for eligible cancer treatment, members should understand how their plan applies this cover. Before treatment is ever needed, make sure you understand: Questions to ask now The best time to ask about cancer-related cover is before you need to access treatment. Knowing the answers in advance can reduce delays and make difficult decisions easier to navigate. Consider asking: The hidden costs of treatment A common misconception is that the financial impact of serious illness begins and ends with treatment. In reality, additional expenses can continue throughout diagnosis, treatment and recovery. Additional costs may include transport to specialist appointments, accommodation when treatment takes place away from home, nutritional support, caregiving assistance and specialised products such as mastectomy bras. Income may also be affected if patients need extended periods away from work. Family members or caregivers may likewise need to adjust their work commitments to provide supportive care. “Diagnostic procedures such as biopsies, PET scans and MRIs can also involve specific funding rules depending on a member’s option,” says Callakoppen. “Understanding these aspects of your cover can help reduce financial surprises and allow families to plan more confidently.” Support beyond treatment Following a diagnosis, engaging early with your medical scheme can help ensure treatment requirements and funding arrangements are clearly understood. Access to practical support can make a meaningful difference during treatment. For Bonitas members, this includes anOncology Management Programme that assists with oncology registration, treatment authorisation and benefit-related queries, as well as emotional support through qualified social workers. “Support during a cancer journey is about more than funding treatment,” says Callakoppen. “It is also about helping members understand the process, access available support and feel guided during a particularly difficult time.” Preparing for the unexpected Breast Cancer Awareness Month is an opportunity to think beyond screening and diagnosis and consider how preparation can help individuals and families navigate treatment and recovery. “Financial preparedness cannot prevent a diagnosis, but it can help reduce uncertainty during a difficult time. Understanding your medical aid benefits, knowing what questions to ask and planning ahead can help individuals and families navigate treatment with greater confidence and peace of mind,” concludes Callakoppen.
































