Medical aids rely on one thing: that you don't know your rights. Every year, South Africans pay thousands in medical aid contributions — only to be told, at their most vulnerable moment, that treatment is "not covered," "out of network," or "subject to a co-payment." What most members don't realise is that the law already protects them. Prescribed Minimum Benefits (PMBs) are not optional. They are legal obligations that require medical schemes to pay in full for life-saving emergencies, chronic conditions, and essential treatments — regardless of plan type or benefit limits. In this clear, practical guide, healthcare veteran Roger Wolfson — with over 40 years of clinical experience — breaks down the PMB system in plain language and shows you how to enforce your rights: • How to identify a PMB in under 30 seconds • What medical schemes are legally required to pay • The most common PMB excuses — and how to answer them • How to respond to delays, rejections, and administrative hurdles • When and how to escalate a complaint to the Council for Medical Schemes • Essential guidance for healthcare providers on coding, billing, and patient advocacy This is not a legal textbook. It is a survival manual. For healthcare providers: this book equips you with the coding knowledge, clinical motivation letter templates, and billing strategies to help your patients receive the PMB funding they are entitled to — while protecting your practice from unnecessary disputes and bad debt. Know Your Rights. Protect Your Health. Fight Back — Legally. About Roger Wolfson — The PMB Coach Roger Wolfson is a medical prosthetist and orthotist with over 40 years of clinical experience, working extensively with trauma patients, amputees, and individuals navigating complex medical aid disputes. Known as The PMB Coach, he has dedicated his career to empowering South African medical aid members and healthcare providers with the knowledge to enforce Prescribed Minimum Benefits.