We also have a work medical aid, effectively underwritten by Medscheme. Or we can go on a Spouse's medical aid.
Well, for now medical aid is paying for your meds, and that's half the battle won. Diarise a week before your meds run out and ensure the courier is sending your next month's script - you DO NOT want to run out.
A 40% co-payment is ridiculous - we just pay a co-payment if the medes here are more than at a registered provider.

Why not open a 32 day call account? Work out how much money you NEED, an a bit for luxuries, and put the rest into a 32 days call account. That way it'll help you to manage your finances, and you cannot just buy the "crap" - you will need to wait the 32 days and can think about if you really need.

Hey, I'm here to help you with whatever you need - and I understand the South African red-tape and crap!