(Written by Elmarie Jensen, Marketing Manager at Genesis Medical Scheme and published here with her kind permission)
Medical Scheme Service blues on Hello Peter
The customer is unhappy. Something went wrong and s/he is complaining. Loudly. Publicly. And s/he is adamant it is the scheme’s fault…
Customers can report on both good and bad service from any supplier on the well known Hello Peter website. The aim of this site is stated to increase service levels that companies profess to provide. Whilst this objective may well be achieved across many industries in South Africa, the two questions that should be asked in the medical scheme industry specifically should be
01 Is the complaint always justified?
02 Do these complaints lead to increased levels of service delivery?
Whilst the answer to question 01 may either be Yes or No ‘the jury is still out’ on question 02.
Is the complaint always justified?
Medical aid related complaints on Hellopeter can, generally speaking, be channeled in two main categories, i.e. benefits related complaints and service related complaints. Roughly 20% of complaints are “benefits” related, whereas by far the majority of complaints, roughly 80%, are service related.
Popular perception is that the medical scheme is always at fault. Medical aid cover is a grudge purchase, mainly because people have it as a result of some kind of fear of loss. Compounding the issue is the fact that they often have “nothing” to show for the monthly outlay.
But in having a closer look at benefits related complaints, it soon becomes evident that more than a staggering 90% of these complaints were actually not due to any fault of the respondent (medical scheme). Medical schemes are constantly accused of being a rip-off when they refuse to settle a claim in full or at all, however, members’ claims are settled in terms of the contract (benefits) set out in its rules. If a claim is rejected, or only settled in part, it is normally because there are no benefit in the rules to which the member is entitled to. In most instances, people complain about benefits and demand that these are paid, but actually, they need to read their medical scheme rules and familiarise themselves with their particular benefits.
Evaluating benefit related complaints on Hellopeter, it is clear that most complaints stem from benefits not being understood by members.
These complaints are often related to
01 cover for chronic conditions
02 not understanding medical savings accounts
03 benefits and limits on certain types of procedures
06 visits to an emergency unit not covered under hospitalisation
07 why PMB claims are not settled in full.
People cry foul when they discover that they don’t have the cover that they thought they had. Whose fault is this…? Not the medical schemes’!
According to Len Deacon, CEO of Len Deacon & Associates, most people pay proportionally more attention to their DStv subscription than their medical aid and are then surprised when things go wrong. As adults, we all need to take responsibility for our level of cover and make sure that we understand exactly what benefits we have / don’t have. We cannot plead ignorance; nor can we blame the broker that sold us the product. Like it or not, it is our responsibility!
The opposite scenario shouts out so loudly that one wonders how it could at all be possible for medical schemes to keep on getting it wrong on complaints that are absolutely fair and valid.
Approximately 80% of complaints on Hellopeter are service related claims. So let’s face it. Why do humans complain…? In most instances, especially when they feel that they have been mistreated, they complain because they are seeking attention, approval, or someone to actually just care. All too often all they want to do, is vent.
When we complain about service, we complain about the way in which we feel about a certain aspect of the service delivery; an expectation that was not met.
Service related complaints that appear most often on Hellopeter are
01 slow, really slow, feedback from the scheme, or no feedback at all
02 promises of getting back to members not being kept;
03 incorrect, inaccurate or conflicting information
04 having to deal with various (often incompetent) scheme employees;
05 sloppy admin, sloppy follow-up, sloppy feedback;
06 members treated rudely or disrespectfully;
07 having to wait in long telephone queues, at the member’s expense
08 having to listen to a machine, just for the call to be dropped
09 admin / IT problems resulting in service/claims related problems
These type of complaints relate mostly to claims and benefits queries, or queries relating to the use and delivery of chronic medication and make up about 95% of all service related complaints.
Who is to blame…? Service Call Centres!
Good service is about how someone makes you feel; so even though you may not understand a benefit and query that, the fact that you are ignored, mistreated or misinformed is probably one of the worst service sins any company can commit. When dealing with medical aid and claims that you have to fund from your own pocket, or being devastated about your chronic medication that is not delivered, one touches on very deep emotional responses and triggers.
Even though your claim or demand may not be a valid one, it is an unforgivable sin for any medical scheme to ignore or mistreat you. The issue for many people is often not NOT having a benefit, but in the way (the how) they are treated when questioning a benefit not understood.
Do complaints lead to increased levels of service delivery?
Not necessarily always the case in the medical scheme industry.
Measuring service quality is intangible. Unsatisfactory service cannot be replaced or repaired. Four major service quality components according to the very popular SERVQUAL service model include
01 Reliability — The consistency and dependability of service delivery
02 Responsiveness — The willingness of employees to provide a service
03 Assurance — The knowledge, competence and courtesy of employees
04 Empathy — The caring and attention provided to a customer
For medical schemes, it seems as if the above gaps in the actual delivery of service quality are constant and guaranteed factors. It doesn’t seem as if members’ complaints are invalid. All they want, is to be heard, to be given timeous feedback, to understand the why’s and the why not’s and to rely on accurate and consistent feedback.
Why then can one almost conclude that medical schemes in South Africa, generally speaking, don’t pay more attention to the heart of their business; the call centers that interact with members on a daily basis?
Is it because the Medical Schemes Act ranks second to the Constitution in South Africa and there is an element of arrogance as to what their powers may be, or is it that certain medical schemes have grown so big that it has become impossible to maintain a personal and human touch in the way they interact with their members? Do member numbers drive arrogance but at the same time alienate the individual?
Bigger not always better
Perhaps the answer lies not so much in selecting a specific benefit option, but in the selection of a specific medical scheme.
Most benefit options on medical schemes will normally settle hospital and related accounts in full, but not all medical schemes are equally passionate about providing the best possible service to their members. Perhaps bigger is not always better if it deprives the member of personal contact with the scheme and its employees. Right or wrong, we all want to be heard. We don’t want to talk to machines, we don’t want to be ignored and we don’t want to be treated as stupid.
These attributes, it seem, may still be found in small and medium sized medical schemes. Most of them have been around for decades and their decision not to become the biggest, may well be because they chose to maintain service levels and not to lose personal touch with their members. With the complexities of the industry and the high staff turnover generally experienced in call centers, it would be impossible to maintain optimal service levels to hundreds of thousands; even a few million, members of one specific scheme.
It is also useful to remember that hospitals are very much like hotels – they provide a bed and services but they do not treat you – doctors diagnose and treat you. Hospital beds are not reserved for members of any particular medical scheme. They are available to anyone that can pay for them, whether you are on a comprehensive or a hospital option.
So ask yourself – why should you pay more to belong to a particular big medical scheme when you are going to lie in the same bed as a members from another (smaller) medical scheme?
From the editor: It is clear from the above that when joining a medical scheme, you must keep in mind that service levels are just as important as benefits and contributions.
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