Your Benefits Schemes are how your Benefits are organised within your Mednefits account. Your Benefits Schemes indicate the type of coverage, access, and entitlement amount you have.
Your Benefits Scheme will include:
- Categories: Panel Providers or Non-Panel Providers you have access to.
- Panel Providers: providers that are Mednefits Partners (and can be located within the Mednefits App).
- Non-Panel Providers: all other providers.
- Your Benefits Amount:
- Balance: Your current balance remaining in your account
- Spent: Your usage
- Rollover: Balance from your previous scheme and it allows you to submit your past claim if only your company has enabled it
- Cap per Visit: An amount that is capped on your visit
- (Example: You have a $30 cap per visit. You visit a Mednefits Panel GP and you pay $45 in services and medication. The Mednefits App will automatically deduct $30 from your Benefits Balance. You pay for the remaining $15 via out of pocket).
Here's how you can view your Benefits and Benefits Schemes in the Mednefits App:
Step 1: On the Mednefits App Homepage, select My Benefits:
Step 2: Here is where you may view your personal Benefits, or scroll to see other Dependents (if any) attached to your account. You should have a minimum of 1 Benefits Scheme. Below, for example, are two Benefits Schemes: one "Flexible Executives Scheme + Rollover" and one "Dental Scheme". Please note that your Benefits Schemes may be titled differently, so click through to see the categories of benefits that apply.
- The rollover benefits allow you to submit your past claim if only your company has enabled it.
- The rollover indicator will only be shown when the scheme is still within the rollover period.
- The rollover balance will be utilized by the respective period.
- The balance will always be used only for Panel Transactions/ Non-Panel Claims from the Current/New Benefits Period.
Step 3: Select one of your Benefits Schemes to see more detail.
For example, this Benefits Scheme indicates a total annual entitlement of $4,400 and a rollover of $50.
The category is for Preventative Vaccinations, Pap Smear, Chiropractic, Insurance, and Optical. It has a category cap of $1,000. For non-panel visits, there is a $200 monthly cap and a $30 cap per visit.
Step 4: You may also view the scheme history by selecting the icon below located at the top right of the page.
Step 5: If your Benefits Scheme has a Rollover Balance with Delayed Claim Submission, you may click on it to know more.
- Delayed Claim Submission allows you to submit claims for the previous benefits period. Delayed claims are capped accordingly to the previous benefits period and deducted from the rollover balance.
- If the receipt amount you have entered exceeds the remaining amount in your account, your claim amount will be revised down to the amount remaining in your account.
- Example: Jenny has $20 remaining in her account. She files a claim with a receipt amount of $30. The claim amount will be $20.
- If your claim’s visit date falls in your company’s previous term, the claim amount will be deducted from your account balance in the previous term.
- Example 1: On 31 December, James has $50. That day, he falls ill and visits a non-panel clinic, where he pays $30 out of pocket. On 1 January, his credits are reset to $500. On 2 January, James files a claim for his 31 December visit. His claim is approved. $30 will be deducted from his previous term balance of $50. His current term balance will remain $500.
- Example 2: On 31 December, John has $20. That day, he falls ill and visits a non-panel clinic, where he pays $30 out of pocket. On 1 January, his credits are reset to $500. On 2 January, James files a claim for his 31 December visit. His claim is approved. $20 will be deducted from his previous term balance of $20. His current term balance will remain $500.
Alternatively, your Benefits may look like the following, where there are a number of visits displayed instead (pictured below). This example shows that you have a balance of 18 remaining visits.
Uh oh! If you don't see any Benefits Schemes tied to your account, please reach out to your company HR directly.