About Us
Your contact at Medical Aid Hub
Charles Steffen is a Healthcare Advisor and representative of Manage All (Pty) Ltd. Medical Aid Hub provides medical aid management guidance and administrative support for South African medical aid members.
Manage All (Pty) Ltd: FSP 14445 · CMS organisation 113. Representative reference displayed on this site: Br 52200.
Call 082 698 4950 · WhatsApp Charles · Request a conversation
Ask about the scope of advice, the schemes available for comparison and how remuneration or any separately agreed service fees work.
Where It All Started
Here is the first thing you need to know about me: I never wanted to be a broker.
To be completely honest, I used to view brokers as people who just take advantage of you—they sell you a product, collect their check, and disappear into thin air, never to be heard from again.
That all changed because of my mother. She’s been a healthcare advisor since around 2012. Back in 2022, her brokerage was facing a severe staff shortage and desperately needed someone to jump in and assist in client services. I needed the extra money, so I volunteered to step up and help out.
Keep in mind, I had zero background in the medical aid industry. I didn’t know A from B.
I will never forget Day 1. I was completely lost. It’s an incredibly high-pressure environment where mistakes aren’t an option and everything needs to be done fast, precisely, and thoroughly. I vividly remember going home that night and telling my mother, “I will never, EVER do this full-time.”
Fast forward a year... and not only was I still there, but I had fallen in love with the work.
In client services, you are thrown straight into the deep end: authorizations, chronic approvals, claim disputes, clinical reviews, oncology registrations—you name it. Some cases get resolved in 30 minutes; others take an entire year of fighting. It’s intense, to say the least.
So, where did the turning point happen for me?
It was a call from a single mother. She reached out to our team in tears, desperate for help with a claim. She was raising an 11-year-old daughter and barely scraping by financially. Her daughter urgently needed a heart scan to check if a new medication was working or putting her life at risk.
The scan alone was R5,000—and that didn’t even include the doctor’s consultation fee.
My heart sank when I had to tell her that her benefits didn’t cover the scan in the doctor's rooms. I called the practice directly, but the receptionist gave me a firm refusal: payment was required upfront, no exceptions.
Refusing to give up, I decided to email the specialist directly. The receptionist replied again, insisting there was no way around the upfront payment. But thankfully, the doctor himself actually read my email. Touched by the situation, he personally stepped in and told us to bring the young girl in—he would perform the scan and consultation completely free of charge.
That was the exact moment everything changed for me.
I realized just how much people truly need help navigating the massive, confusing rabbit hole that is medical aid. I’ve accumulated so many stories like this since then, and each one reminds me what it feels like to be part of something bigger than myself—to stand by people when they are at their most vulnerable.
It’s a tough industry, and the truth is, the financial margins aren't high—which is why so many brokers don't bother managing medical aids.
That’s why I am genuinely proud to call myself a Healthcare Advisor. For me, it’s not about selling a plan; it’s about giving people peace of mind, solving their hardest problems, and being the partner they can actually rely on when it matters most.