CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service...

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CAPE MEDICAL PLAN We Care 31 October 2014 De Tijger Park Office Block 2 Mclnt-yre Street. Parow. 7500 P.O. Box 966, Parow, 7499 Tel: 021 937-8300 Fox: 021 937-8498/9 E-Mail: mailtScmD.co.za Website: www.cmD.co.zo Mr C Oellermonn Competition Commission Private Bag x23 Lynwood Ridge 0040 Dear Mr Oellermonn HEALTH INQUIRY PANEL APPOINTED BY THE COMPETITION COMMISSION OF SOUTH AFRICA TO CONDUCT AN INQUIRY INTO THE PRIVATE HEALTH CARE SECTOR Attached please find submissions of Cape Medical Plan to the Health Inquiry Panel appointed by the Competition Commission of South Africa to conduct an inquiry into the Private Health Care Sector. It has been written from the perspective and experience of a non-profit, self-administered medical scheme. Our document is not exhaustive, but includes examples that we trust will encourage investigation, which would result in a fair outcome for all parties. We would be privileged to appear before the panel, if so required, to answer ony questions, give clarity to, or elaborate on any matter. Yours faithfully Derek Shardlow Principal Officer

Transcript of CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service...

Page 1: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,

CAPE MEDICAL PLAN We Care

31 October 2014 De Tijger Park Off ice Block 2 Mclnt-yre Street. Parow. 7500

P.O. Box 966, Parow, 7499 Tel: 021 937-8300

Fox: 021 937-8498/9 E-Mail: mailtScmD.co.za

Website: www.cmD.co.zo Mr C Oellermonn Competi t ion Commission Private Bag x23 Lynwood Ridge 0040

Dear Mr Oellermonn

HEALTH INQUIRY PANEL APPOINTED BY THE COMPETITION C O M M I S S I O N OF SOUTH AFRICA TO C O N D U C T A N INQUIRY INTO THE PRIVATE HEALTH CARE SECTOR

At tached please find submissions of Cape Medical Plan to the Health Inquiry Panel appoin ted by the Competit ion Commission of South Africa to conduct an inquiry into the Private Health Care Sector. It has been written from the perspective and experience of a non-profit, self-administered medical scheme.

Our document is not exhaustive, but includes examples that w e trust will encourage investigation, which would result in a fair ou tcome for all parties. We would be privileged to appear before the panel, if so required, to answer ony questions, give clarity to, or elaborate on any matter.

Yours faithfully

D e r e k S h a r d l o w Principal Officer

Page 2: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 3: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 4: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 5: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 6: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 7: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 8: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 9: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 10: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 11: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 12: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 13: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 14: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 15: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 16: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 17: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 18: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 19: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 20: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 21: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 22: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 23: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 24: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 25: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 26: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 27: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 28: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 29: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 30: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 31: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 32: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 33: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 34: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 35: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 36: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 37: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 38: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 39: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 40: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 41: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 42: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 43: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 44: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 45: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 46: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 47: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 48: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 49: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 50: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 51: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 52: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,
Page 53: CAPE MEDICAL PLAN...Whereas PMB's are designed to secure necessary medial treatment, service providers often motivate non-PMB's as PMB's. This is achieved by submitting incorrect codes,