Medical Aid & Shortfalls Explained: Your Guide to Affordable Care at Klarity

One of the most common questions our reception team receives is: "Do you accept Medical Aid?"

At Klarity Medical Group, we understand that healthcare can be expensive. That is why we strive to make our services accessible to as many Zimbabweans as possible by partnering with the country’s leading healthcare funders.

Whether you are visiting our Strathaven Dental Clinic for a check-up or our Harare Street branch for an ultrasound scan, all clarity medical group branches accept all major Medical Aids. Here is everything you need to know about using your medical aid card with us.

Which Medical Aids Do We Accept?

We are proud to accept a wide range of medical aid societies. If you are a member of any of the following, you can access our services (subject to your specific plan's limits):

• ·         PSMAS (Premier Service Medical Aid Society)

• ·        CIMAS

• ·        FML Health (First Mutual Life)

• ·        FBC Health

• ·        Fidelity Life Medical Aid

• ·        BonVie

• ·        CellMed Health

• ·        Alliance Health

What is a "Shortfall" and When Do I Pay It?

A "shortfall" (or co-payment) is the difference between the fee charged by the service provider ( Klarity Medical ) and the amount your medical aid society agrees to pay for that service.

While we try to minimize costs, shortfalls may occur in the following scenarios:

Scenario 1: Dental Limits (Dental Ceilings)

Dental procedures often have strict annual limits.

·        Example: You visit our Albion & Cameroon Street Dental Branch for a Root Canal. If your medical aid plan has a limit of $200 for dentistry per year, and you have already used $150, the medical aid will only pay the remaining $50. You would need to pay the balance (shortfall) in cash or USD.

Scenario 2: Specialized Scans vs. Plan Type

Not all plans cover advanced diagnostics.

·        Example: You visit 136 Harare Street for a 4D Obstetric Scan or a specialized Doppler Scan. If you are on a "General" or "Basic" medical aid package, the funder might only cover standard 2D scans. In this case, a shortfall would be required to cover the difference for the advanced technology.

Scenario 3: Exhausted Funds

Towards the end of the year, many patients exhaust their "Global Limit." If your funds are depleted, the medical aid will decline the transaction, and the service will need to be paid for in cash.

Where Can I Use My Medical Aid?

You can use your valid medical aid card across our entire network of branches in Harare:

1. General & Specialized Medical Center (Head Office)

·            136 Harare Street, Harare

   Services:

        GP Consultations, Medical Laboratory tests (Blood profiles, immune tests), and Radiology/Ultrasound Scans (Pregnancy, MSK, Abdominal).

2. Ashdown Park Pharmacy

·             181 Ashdown Drive, Ashdown Park, Harare

3. Strathaven Dental Clinic

·             Suite 9, Strathaven Shops, Harare

4. City Centre Dental Branch

·               Suite 14, Whitehouse Building (Cnr Cameroon & Albion Street), Harare