Help with your medical aid starts here.
We specialize in providing comprehensive financial services tailored to support our clients with all aspects of Discovery Health, at no cost to you. From managing and submitting health claims to assistance with gap cover, we simplify the complexities of medical aid to ensure you get the benefits you deserve.
LifewithLee
What do you need help with?
LifewithLee was created to assist people with medical aid queries, especially related to Discovery Health, and aims to grow into a platform where individuals can share and learn from real experiences with serious health conditions like cancer and diabetes. It is built on the belief in sharing knowledge to support others, a philosophy that also led to the founding of Platinum Benefit Solutions in 2000. The team provides expert guidance on navigating medical aid complexities, including choosing plans, maximizing claims, understanding PMBs, managing chronic medication, and handling cancer and mental health claims. They also help clients with declined claims, gap cover, and claim processes. The platform features informative videos, including personal health journeys like Carmen’s stage 4 colon cancer story and expert discussions such as one with Dr. Wayne May on diabetes care.
Our Focus
Discovery Health
Over the years, we have found that many clients struggle to navigate the complexities of their medical aid, particularly when it comes to understanding how to maximise their plans. Clients are often frustrated when chronic medication is paid from savings or when they are unsure whether a condition qualifies as a Prescribed Minimum Benefit (PMB).
Our focus is to help clients navigate these complexities and ensure they receive the full value of their benefits. This service is provided at no additional cost to our clients.
Our Services
Medical claims Management
• Claims submissions • ICD10 code integration • Oncology claims:including assistance with access to innovative treatment options such as immunotherapy in Germany, Raversus, bio-resonance, and other emerging treatments. • Guidance on choosing the right plan and understanding exclusions • Plan upgrades and downgrades
Prescribed Minimum Benefits (PMB) & Chronic Benefits
• Application assistance • Claims submissions and management thereof
Disability & Illness Cover
At 18 my child had a life policy and my friends would ask me: “How can you take a life policy out on your son, he's only 18?” My answer was simple. My child is driving a car, the car is insured against accidents, is my child not worth more than the car? So at 18 my child had Disability and Illness cover as I have learnt that illness or disability does not care what age one is. With 30 years of experience, we guide clients through every life stage by: • Structuring life, disability, illness, and income protection appropriately • Reviewing policies to ensure effective cover (especially critical fine print) • Identifying gaps where premiums are high but protection is inadequate • Assisting with claims and adjusting benefits as needed
Discovery Life
Helping clients understand policy structures, terminology, and how these impact claims at the time they are needed most. A well-structured policy can make a significant difference, particularly when accessing international cancer treatment options that may ultimately make the difference in treatment outcomes.
Additional Services
• Vitality: Guidance on how to achieve and maintain Gold status. • Discovery Insure: We can often secure better rates for our clients than going through Discovery Direct, using our discounts to reduce or remove excess. Contact us for a comparison. • Discovery Bank: Assistance in selecting the right card and maximising available discounts and rewards.
Oncology Plan Management
We understand the physical and emotional challenges faced by individuals & families. Our team supports all aspects of oncology plan management through Discovery, including: • Upgrading only the affected member to a higher-benefit plan • Ensuring correct ICD-10 coding so treatment is covered by Oncology Benefits, not savings • Handling pre-authorisations and Chronic/PMB applications • Managing medical aid and call centre issues • Providing treatment protocols and guidance on supportive care and international options
Investing
We like to keep it simple with no fancy terminology . Contact us to find out how you can invest comfortably, be it conservatively or aggressively at very low fees whether for yourself or your loved ones.
Carmen Poultney
Thank you so much for being there to process my claims and help me upgrade my Discovery Health plan to receive broader treatment for my cancer claims. Your guidance towards local and international holistic treatment has also given me so much hope. Thank you for your caring approach. Watch her moving story here.
Sindile Mpele
Lee and his team have been instrumental in helping me with my Chronic claims. I was having such a headache with going back and forth between the medical provider and the medical scheme and not getting anywhere. Lee managed to resolve the issue and have my claim settled.
Barry Gray
Many thanks for all your help in having my initially declined Discovery Health scan claim re-processed and paid in full. Your services are much appreciated.
Samantha Prinsloo
Thank you for the years of assistance in managing all our health claims so efficiently and especially during our time of difficulty related to Cancer claims . Your assistance in claiming multiple times on our life policy is much appreciated by our family.
The Importance
of Gap Cover
We do not charge broker fees
Gap has become a great necessity nowadays with very few specialists charging the medical aid rate for hospital procedures. Yet not all gap covers are the same and cheaper does not mean better.
Shortfalls
When we look at gap cover we want to make sure they cover as much as possible of the shortfalls . In this regard it’s important to remember that standard oncology treatment cover does not necessarily include Biological Cancer drugs.
Protects Against Co-payments
Some gap cover providers don’t contribute to CT or MRI scan co-payments unless you’re on a plan with medical savings. Our chosen gap cover, however, includes cover for these scans, provides benefits for using a non-designated hospital, and allows claims for ER visits during specific hours.
Join Our Team
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Data Scientist
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