PMB claims: try, try again


PF IOL 10Nov PMBs update2

Colin Daniel

You may have to struggle to get your medical scheme to pay a claim for a prescribed minimum benefit.

Medical schemes are obliged to pay for treatments defined as prescribed minimum benefits (PMBs) to ensure that you will always have cover for essential health care.

But the system isn’t perfect, and your medical scheme may reject a PMB claim that it should pay or it may dispute a claim for an alternative treatment for a PMB condition when the standard treatment fails or is unsuitable for you.

If you want to avoid out-of-pocket medical expenses or being denied treatment, make sure you know your rights when it comes to PMB claims.

PMBs – benefits that schemes are obliged by law to provide – cover all life-threatening emergencies, 270 conditions that, if left untreated, would severely affect your quality of life, and 25 common chronic conditions.

The first of the three case studies on this page highlights a problem at least one scheme member has encountered with enforcing her rights to PMB benefits, and emphasises your right to alternative treatment if the treatment provided by your scheme fails or is not suitable for you.

The lesson in the second case study is that if you or a family member have any kind of life-threatening emergency, your medical treatment should be covered by the PMBs, regardless of which doctors or hospitals you use.

If doctors charge more than the scheme rates, remember that your medical scheme is obliged to pay these bills in full if they relate to a life-threatening emergency.

If your scheme does not pay any of the bills in full, query these with your scheme’s administrator. If you do not receive a satisfactory response from the call centre, address your query to the principal officer of the scheme.

When it comes to healthcare services for PMB conditions that are not emergencies, remember that your scheme may have entered into payment arrangements with various doctors and hospitals, and your PMB treatment will be covered in full only if you use the provider with whom your scheme has contracted.

Both the second case study and the third one reveal that claims that should be paid may initially be rejected by your scheme, and it is up to you to query them with the administrator of your scheme.

The third case study highlights how claims for pathology tests may be paid incorrectly from your medical savings account because your medical scheme is unable to identify them as PMB claims.

CASE 1. SCHEME WON’T PAY FOR ALTERNATIVE TREATMENT

Disputes can arise over your scheme’s obligation to pay claims, even when they are for conditions that it is required by law to cover, and resolving these disputes can take a very long time. In the interim, you may be left with inadequate treatment. This is the painful lesson a Discovery Health Medical Scheme (DHMS) member says she has learnt.

Sheila van Straten has rheumatoid arthritis, an auto-immune disease that leads to painful inflammation of the joints and surrounding tissues.

Rheumatoid arthritis is a prescribed minimum benefit (PMB) condition, and DHMS initially paid for Van Straten’s treatment, but when the so-called baseline treatment failed, her doctor recommended a biologic, Enbrel, that costs R10 000 a month. (A biologic is a genetically engineered medicine.)

DHMS refused to pay, saying the biologic is not included in the treatment provided for rheumatoid arthritis in the PMB regulations, despite the fact that her doctor wrote a motivation for the biologic, saying conservative treatments were not helping and Van Straten could not tolerate other medicines.

Van Straten’s doctor made the recommendation in January this year, and in September she obtained a ruling from the Council for Medical Schemes ordering the scheme to pay for biologic.

However, DHMS is still not paying for the Enbrel and plans to appeal against the council’s ruling.

The Council for Medical Schemes says the appeal will be heard next month.

In the meantime, to manage the cost of her treatment, Van Straten is taking a lower dose of Enbrel than her doctor recommends. She says this has left her in constant chronic pain, fatigued and struggling to work.

While the lengthy dispute plays out, the regulations that are designed to protect Van Straten by ensuring her scheme is obliged to pay for certain conditions appear to have failed her.

Dr Jonathan Broomberg, chief executive officer of Discovery Health, the administrator of DHMS, says the scheme disagrees with the council’s ruling and believes it cannot be expected to pay for the biologic, because it is expensive. DHMS will consider funding an alternative treatment that is cost-effective, but the scheme cannot recommend such treatment, he says.

The Medical Schemes Act allows schemes to develop treatment plans for a PMB as long as that treatment is equal to or better than the minimum treatment standards for each PMB condition as provided for in the law. Frequently, reference is made to the treatment provided in state healthcare facilities.

However, the ruling that ordered DHMS to pay for Van Straten’s Enbrel points out that the regulations also state that if you have a poor response to, or will come to harm following, the treatment plan a scheme provides for a PMB condition, the scheme is obliged to provide an appropriate exception.

The ruling issued by the Registrar of Medical Schemes, Dr Monwabisi Gantsho, says DHMS was asked to explain its clinical protocol where the standard treatment plan is ineffective.

The registrar’s office had, however, not received a response and DHMS is therefore obliged to make an exception for Van Straten, the ruling says.

Broomberg says the council’s ruling has not taken into account the extremely high cost of the drugs, that they are demonstrably not cost-effective, and that funding these drugs for members on all DHMS’s plans would be financially unsustainable for any medical scheme.

He says making all biologics available to members on all plans would cost DHMS about R60 million a year.

When Van Straten’s doctor recommended the biologic on January 24 this year, Van Straten asked DHMS if she could upgrade from her Coastal Core option to an option that has a benefit for specialty medicines. The scheme declined permission.

Van Straten then applied to the scheme for an ex gratia payment for her treatment until the end of this year, but this was also denied.

Broomberg says because a ruling by the council is suspended while it is under appeal, it would not be appropriate for DHMS to fund biologics for Van Straten while the matter remains under appeal.

Van Straten says she is disgusted by Discovery’s actions, because while “they are prolonging the process, I am living in constant chronic pain and agony, and they simply do not care”.

CASE 2. EMERGENCY EXPENSES UNDER-PAID

Mrs D, a pensioner, was grateful that her husband’s scheme paid many of his substantial medical bills when he collapsed from internal bleeding, suffered two cardiac arrests and was admitted to intensive care.

Mr D was in an intensive care unit (ICU) for a week before he passed away from organ failure. The medical bills were numerous and high, including one for more than R121 000 for the hospital.

The scheme settled many of them, but Mrs D was alarmed that there were still thousands of rands outstanding on some of the bills.

* The doctor who treated Mr D in ICU, for example, charged R26 794. Mr D’s scheme, LA Health, initially paid R13 199.

* The anaesthetist charged R8 050. The scheme initially paid R3 358.

* The radiologists charged R11 138. The scheme initially paid none of this bill.

* The suppliers of blood charged R4 379. The scheme initially rejected this claim.

* The paramedics charged R2 684. The scheme initially rejected this claim.

Fortunately, the treating doctor attached a note to Mr D’s claim stating that his treatment fell within the prescribed minimum benefits (PMBs) and that his scheme should pay his claims in full.

Mrs D’s family queried the claims with LA Health, and eventually all the outstanding amounts were settled, sometimes after further information was obtained from the doctors or healthcare providers and sometimes after the diagnostic codes (ICD10 codes) were amended. Had Mrs D not queried the claims, the outstanding bills could have ended up as claims against Mr D’s estate and ultimately reduced Mrs D’s inheritance.

Mrs D’s case illustrates how you, as a member of a medical scheme, need to be informed about your PMB rights, and must insist that your rights are enforced. You should not assume that your medical scheme will recognise claims as PMBs, even when it appears obvious that the claims are all related to an emergency.

Dr Jonathan Broomberg, chief executive of Discovery Health, which administers LA Health, says, in many cases, claims submitted by healthcare providers to schemes do not contain the correct diagnostic information required to recognise the relevant PMB condition, and schemes’ automated payment systems therefore cannot recognise these claims as PMBs.

Broomberg says claims from multiple providers – including hospitals, doctors and pathology laboratories – are each read as a separate claim, and if the procedure codes and diagnostic (or ICD10) codes are incomplete, the claims cannot be identified as PMBs and paid as such.

CASE 3. CLAIMS PAID FROM SAVINGS ACCOUNT

A member of Momentum Health, Mr E, noticed that his claim for a consultation, and blood and urine tests for hypertension (high blood pressure) and high cholesterol were not paid by his scheme but from his medical savings account.

Both these conditions are prescribed minimum benefits (PMBs), and claims for PMB conditions may, by law, not be paid from your medical savings account.

Mr E had registered his conditions with Momentum Health. He received a chronic condition treatment plan that outlined the various consultations and tests to which he was entitled.

On querying how the claim had been paid, Mr E received a reply from the scheme to the effect that “the tests done do not form part of the chronic treatment plan”.

When Personal Finance took up Mr E’s case with Momentum Health, the scheme said it would reprocess the claims.

Damian McHugh, Momentum Health’s head of marketing and sales, says pathology laboratories do not include diagnostic codes (ICD10 codes) on their claims, and they are not obliged to do so in terms of the Medical Schemes Act.

As a result, McHugh says, the scheme cannot automatically identify that a pathology claim is linked to a member’s registered chronic condition.

Only if a member queries the non-payment of the claim, or the payment of the claim from a medical savings account, can the claim be reprocessed and paid as a PMB, McHugh says.

Momentum Health said Mr E’s initial query was “not dealt with appropriately”.

McHugh also pointed out that a consultation Mr E had with his general practitioner had been assigned the incorrect ICD10 code and was therefore also incorrectly paid from Mr E’s savings account.

FUNDING HIGH-COST MEDICINES ‘IS A CHALLENGE’

Managing expenditure on speciality and high-cost drugs is a challenge facing medical schemes worldwide, Dr Jonathan Broomberg, chief executive of Discovery Health, says.

The rate at which these high-cost drugs are being developed and the increase in the number of medical scheme members being treated with them are contributing to the high costs schemes are experiencing, he says.

In 2010, Discovery Health Medical Scheme (DHMS) spent a total of R23.3 billion on health care, of which 20.6 percent, or R4.8 billion, was on medicines, Broomberg says. Of the R4.8 billion, R603.1 million went towards 210 high-cost drugs (five percent of all drugs funded by DHMS for 0.6 percent of the scheme’s membership).

Projections show that, by 2016, DHMS will spend about R6.3 billion on drugs, of which just under half, R3 billion, will be on providing high-cost drugs for 1.5 percent of the scheme’s total membership, Broomberg says.

Funding high-cost drugs, therefore, has a significant financial impact on medical schemes. This has potentially far-reaching consequences for not only the medical schemes industry, but the South African healthcare system in general, he says.

HELP WITH YOUR COMPLAINTS

If you have a complaint about your medical scheme not paying for a prescribed minimum benefit (PMB), you can call the Council for Medical Schemes at 0861 123 267. Fax complaints to 012 431 0608 or email to complaints@medicalschemes.com

The list of PMBs is available on the council’s website, www.medicalschemes.com


sign up
 
Bebe1000
I'm a 53 year old woman looking to meet men between the ages of 49 and 57.
View Profile
capenewbie
I'm a 33 year old woman looking to meet men between the ages of 25 and 45.
View Profile
ContagiousLaughter
I'm a 41 year old woman looking to meet men between the ages of 36 and 44.
View Profile
Liena
I'm a 26 year old woman looking to meet men between the ages of 26 and 33.
View Profile
Mickey101
I'm a 25 year old woman looking to meet men between the ages of 25 and 30.
View Profile
Blu
I'm a 28 year old woman looking to meet men between the ages of 27 and 33.
View Profile
EMT2014
I'm a 30 year old woman looking to meet men between the ages of 30 and 40.
View Profile
JanieL
I'm a 24 year old woman looking to meet men between the ages of 25 and 32.
View Profile
LielaZ
I'm a 27 year old woman looking to meet men between the ages of 28 and 35.
View Profile
Paws56
I'm a 58 year old woman looking to meet men between the ages of 57 and 62.
View Profile
Cathwhite
I'm a 29 year old woman looking to meet men between the ages of 25 and 45.
View Profile
Foreverinhope
I'm a 48 year old woman looking to meet men between the ages of 45 and 56.
View Profile
ChooseToLoveLife
I'm a 27 year old woman looking to meet men between the ages of 28 and 35.
View Profile
Gemima
I'm a 38 year old woman looking to meet men between the ages of 40 and 50.
View Profile
Maybe70
I'm a 44 year old woman looking to meet men between the ages of 40 and 50.
View Profile
Moze008
I'm a 57 year old woman looking to meet men between the ages of 55 and 70.
View Profile
Isabel_33
I'm a 34 year old woman looking to meet men between the ages of 33 and 42.
View Profile
dragonfly86
I'm a 28 year old woman looking to meet men between the ages of 28 and 35.
View Profile
esk123
I'm a 36 year old woman looking to meet men between the ages of 37 and 45.
View Profile
JayAnne
I'm a 56 year old woman looking to meet men between the ages of 56 and 70.
View Profile
Lesel
I'm a 46 year old woman looking to meet men between the ages of 45 and 55.
View Profile
optimistic_36
I'm a 37 year old woman looking to meet men between the ages of 32 and 46.
View Profile
Kelbels0201
I'm a 34 year old woman looking to meet men between the ages of 34 and 42.
View Profile
GypseyTraveller
I'm a 54 year old woman looking to meet men between the ages of 50 and 58.
View Profile
Judith78
I'm a 36 year old woman looking to meet men between the ages of 38 and 48.
View Profile
Okidoki_63
I'm a 51 year old woman looking to meet men between the ages of 45 and 60.
View Profile
meraai_32
I'm a 32 year old woman looking to meet men between the ages of 32 and 45.
View Profile
BMull08
I'm a 19 year old woman looking to meet men between the ages of 19 and 30.
View Profile
sexyhair
I'm a 42 year old woman looking to meet men between the ages of 35 and 50.
View Profile
FootballCrazy
I'm a 42 year old woman looking to meet men between the ages of 39 and 50.
View Profile
Minky3001
I'm a 30 year old woman looking to meet men between the ages of 32 and 40.
View Profile
Infin8
I'm a 36 year old woman looking to meet men between the ages of 35 and 42.
View Profile
FaiRy9
I'm a 26 year old woman looking to meet men between the ages of 27 and 36.
View Profile
WandaLove
I'm a 19 year old woman looking to meet men between the ages of 22 and 26.
View Profile
Lady_101
I'm a 31 year old woman looking to meet men between the ages of 28 and 38.
View Profile
nirina
I'm a 37 year old woman looking to meet men between the ages of 35 and 50.
View Profile
Dollie81
I'm a 33 year old woman looking to meet men between the ages of 25 and 49.
View Profile
Unicorn17
I'm a 21 year old woman looking to meet men between the ages of 23 and 26.
View Profile
0044MJM
I'm a 49 year old woman looking to meet men between the ages of 48 and 61.
View Profile
JustChat76
I'm a 38 year old woman looking to meet men between the ages of 35 and 45.
View Profile
Kay_722
I'm a 29 year old woman looking to meet men between the ages of 30 and 40.
View Profile
your_wildest_dreams
I'm a 36 year old woman looking to meet men between the ages of 40 and 55.
View Profile
Dee37
I'm a 38 year old woman looking to meet men between the ages of 38 and 45.
View Profile
OneSingleLifeTime
I'm a 36 year old woman looking to meet men between the ages of 36 and 45.
View Profile
MissMoneypenny_13
I'm a 28 year old woman looking to meet men between the ages of 30 and 42.
View Profile
sonskyn27
I'm a 56 year old woman looking to meet men between the ages of 45 and 55.
View Profile
FoXyLaDy444
I'm a 56 year old woman looking to meet men between the ages of 50 and 65.
View Profile
Smileawhile
I'm a 45 year old woman looking to meet men between the ages of 40 and 52.
View Profile
Bluebell531
I'm a 46 year old woman looking to meet men between the ages of 40 and 60.
View Profile
Bastet_11
I'm a 43 year old woman looking to meet men between the ages of 45 and 48.
View Profile
RobzMolecule
I'm a 24 year old woman looking to meet men between the ages of 22 and 30.
View Profile
JillieB
I'm a 61 year old woman looking to meet men between the ages of 55 and 70.
View Profile
Denie_28
I'm a 50 year old woman looking to meet men between the ages of 45 and 53.
View Profile
HenrietteF
I'm a 32 year old woman looking to meet men between the ages of 30 and 42.
View Profile
Artistixoxo
I'm a 23 year old woman looking to meet men between the ages of 23 and 28.
View Profile
Jenny84
I'm a 30 year old woman looking to meet men between the ages of 33 and 40.
View Profile
Jobaby10
I'm a 36 year old woman looking to meet men between the ages of 38 and 45.
View Profile
Butterfly_effect
I'm a 38 year old woman looking to meet men between the ages of 36 and 48.
View Profile
Apple_853
I'm a 35 year old woman looking to meet men between the ages of 35 and 45.
View Profile
ShanJo
I'm a 35 year old woman looking to meet men between the ages of 30 and 42.
View Profile
Vredelief
I'm a 26 year old woman looking to meet men between the ages of 25 and 34.
View Profile
PowerPrincess
I'm a 41 year old woman looking to meet men between the ages of 38 and 47.
View Profile
liefilyf
I'm a 42 year old woman looking to meet men between the ages of 38 and 48.
View Profile
Warmsmilewarmheart
I'm a 47 year old woman looking to meet men between the ages of 45 and 55.
View Profile
Authenticity1425
I'm a 39 year old woman looking to meet men between the ages of 34 and 47.
View Profile
sweets1987
I'm a 27 year old woman looking to meet men between the ages of 32 and 42.
View Profile
Pussycat69
I'm a 42 year old woman looking to meet men between the ages of 40 and 50.
View Profile
Smurfette
I'm a 36 year old woman looking to meet men between the ages of 25 and 45.
View Profile
LimitlessSoul
I'm a 45 year old woman looking to meet men between the ages of 40 and 50.
View Profile
KW82
I'm a 32 year old woman looking to meet men between the ages of 29 and 40.
View Profile
jinxie_007
I'm a 32 year old woman looking to meet men between the ages of 28 and 38.
View Profile
Vuurvliegie1974
I'm a 40 year old woman looking to meet men between the ages of 39 and 47.
View Profile
Rarefind
I'm a 55 year old woman looking to meet men between the ages of 52 and 63.
View Profile
Liefieling86
I'm a 28 year old woman looking to meet men between the ages of 29 and 32.
View Profile
Hopeful_dreamer
I'm a 37 year old woman looking to meet men between the ages of 33 and 45.
View Profile
klouise
I'm a 32 year old woman looking to meet men between the ages of 31 and 39.
View Profile
fabstanious
I'm a 29 year old woman looking to meet men between the ages of 30 and 40.
View Profile
Doeksa
I'm a 33 year old woman looking to meet men between the ages of 33 and 39.
View Profile
Angdt
I'm a 21 year old woman looking to meet men between the ages of 23 and 30.
View Profile
tigerlady28
I'm a 30 year old woman looking to meet men between the ages of 22 and 34.
View Profile
Sonskyn83
I'm a 31 year old woman looking to meet men between the ages of 30 and 45.
View Profile
Persephone101
I'm a 31 year old woman looking to meet men between the ages of 25 and 45.
View Profile
Bienkie01
I'm a 35 year old woman looking to meet men between the ages of 34 and 48.
View Profile
miesies
I'm a 29 year old woman looking to meet men between the ages of 29 and 40.
View Profile
Leigh1979
I'm a 35 year old woman looking to meet men between the ages of 29 and 40.
View Profile
TuffLove
I'm a 34 year old woman looking to meet men between the ages of 35 and 45.
View Profile
GlasswingButterfly
I'm a 35 year old woman looking to meet men between the ages of 33 and 55.
View Profile
Chriz_1985
I'm a 29 year old woman looking to meet men between the ages of 18 and 100.
View Profile
AgentI
I'm a 39 year old woman looking to meet men between the ages of 35 and 45.
View Profile
LeilaM
I'm a 40 year old woman looking to meet men between the ages of 40 and 55.
View Profile
Enkellopende
I'm a 42 year old woman looking to meet men between the ages of 35 and 43.
View Profile
Fire_and_Ice81
I'm a 33 year old woman looking to meet men between the ages of 25 and 45.
View Profile
Lala8610
I'm a 28 year old woman looking to meet men between the ages of 27 and 32.
View Profile
Plattelandsenooi3
I'm a 32 year old woman looking to meet men between the ages of 33 and 45.
View Profile
Mo1979
I'm a 35 year old woman looking to meet men between the ages of 29 and 43.
View Profile
CTBLONDE
I'm a 38 year old woman looking to meet men and women between the ages of 40 and 50.
View Profile
Crispy990
I'm a 24 year old woman looking to meet men between the ages of 24 and 35.
View Profile
CL4ptp
I'm a 28 year old man looking to meet women between the ages of 22 and 28.
View Profile
Gaultier2014
I'm a 31 year old man looking to meet women between the ages of 30 and 59.
View Profile
JustCallMeBwana
I'm a 47 year old man looking to meet women between the ages of 28 and 45.
View Profile
OohCharles
I'm a 53 year old man looking to meet women between the ages of 25 and 45.
View Profile
cccdovy
I'm a 56 year old man looking to meet women between the ages of 48 and 56.
View Profile
gavinzn
I'm a 57 year old man looking to meet women between the ages of 50 and 57.
View Profile
ekke_706
I'm a 50 year old man looking to meet women between the ages of 40 and 55.
View Profile
versl_550
I'm a 55 year old man looking to meet women between the ages of 45 and 60.
View Profile
DutchDelight_
I'm a 45 year old man looking to meet women between the ages of 30 and 46.
View Profile
5star
I'm a 57 year old man looking to meet women between the ages of 40 and 55.
View Profile
virgo5
I'm a 62 year old man looking to meet women between the ages of 45 and 65.
View Profile
Gambino_Family
I'm a 59 year old man looking to meet women between the ages of 42 and 70.
View Profile
Fred58
I'm a 56 year old man looking to meet women between the ages of 18 and 100.
View Profile
dinnerfortwo
I'm a 54 year old man looking to meet women between the ages of 40 and 50.
View Profile
Lastgreatwhite
I'm a 56 year old man looking to meet women between the ages of 40 and 50.
View Profile
Suidwester27
I'm a 53 year old man looking to meet women between the ages of 35 and 50.
View Profile
wiedahunk
I'm a 57 year old man looking to meet women between the ages of 50 and 70.
View Profile
Guardian_24
I'm a 41 year old man looking to meet women between the ages of 37 and 43.
View Profile
Propriety
I'm a 56 year old man looking to meet women between the ages of 35 and 45.
View Profile
Natureboykie
I'm a 60 year old man looking to meet women between the ages of 43 and 64.
View Profile
tommy351
I'm a 61 year old man looking to meet women between the ages of 48 and 59.
View Profile
LovingSerenity
I'm a 38 year old man looking to meet women between the ages of 24 and 45.
View Profile
MLACOME0147
I'm a 55 year old man looking to meet women between the ages of 49 and 79.
View Profile
daniel101
I'm a 44 year old man looking to meet women between the ages of 32 and 38.
View Profile
freddic1
I'm a 52 year old man looking to meet women between the ages of 47 and 55.
View Profile
charl1906
I'm a 57 year old man looking to meet women between the ages of 49 and 53.
View Profile
BENTLEY292
I'm a 45 year old man looking to meet men between the ages of 45 and 55.
View Profile
Stand64
I'm a 50 year old man looking to meet women between the ages of 36 and 55.
View Profile
henisright
I'm a 50 year old man looking to meet women between the ages of 37 and 53.
View Profile
Fitwithhealth
I'm a 72 year old man looking to meet women between the ages of 48 and 65.
View Profile
lvebird53
I'm a 54 year old man looking to meet women between the ages of 50 and 65.
View Profile
Smartboy_102
I'm a 60 year old man looking to meet women between the ages of 47 and 57.
View Profile
TallDreamer
I'm a 37 year old man looking to meet women between the ages of 28 and 38.
View Profile
Lonomor
I'm a 46 year old man looking to meet women between the ages of 25 and 35.
View Profile
dddmelw
I'm a 56 year old man looking to meet women between the ages of 45 and 58.
View Profile
ClassicRocker
I'm a 52 year old man looking to meet women between the ages of 42 and 52.
View Profile
Coolfun
I'm a 52 year old man looking to meet men between the ages of 35 and 55.
View Profile
brightday111
I'm a 55 year old man looking to meet women between the ages of 48 and 59.
View Profile
goldenhat
I'm a 52 year old man looking to meet women between the ages of 36 and 66.
View Profile
TheDuke_99
I'm a 36 year old man looking to meet women between the ages of 28 and 42.
View Profile
CreativeExplorer
I'm a 50 year old man looking to meet women between the ages of 18 and 100.
View Profile
Alachison
I'm a 46 year old man looking to meet women between the ages of 30 and 45.
View Profile
FamilyMan72
I'm a 42 year old man looking to meet women between the ages of 30 and 43.
View Profile
cknneth111
I'm a 46 year old man looking to meet women between the ages of 41 and 70.
View Profile
Marius_P
I'm a 40 year old man looking to meet women between the ages of 30 and 55.
View Profile
matiekat
I'm a 66 year old man looking to meet women between the ages of 50 and 68.
View Profile
HappyEnding
I'm a 49 year old man looking to meet women between the ages of 36 and 45.
View Profile
DaveB_791
I'm a 49 year old man looking to meet women between the ages of 35 and 45.
View Profile
cloudhopper
I'm a 56 year old man looking to meet women between the ages of 45 and 55.
View Profile
JPretoria
I'm a 38 year old man looking to meet women between the ages of 28 and 40.
View Profile
SingleNSearching60
I'm a 60 year old man looking to meet women between the ages of 55 and 70.
View Profile
willing_915
I'm a 54 year old man looking to meet women between the ages of 55 and 70.
View Profile
Officer_Gentleman
I'm a 46 year old man looking to meet women between the ages of 35 and 48.
View Profile
VirgoMan1970
I'm a 44 year old man looking to meet women between the ages of 30 and 50.
View Profile
Denali
I'm a 45 year old man looking to meet women between the ages of 25 and 40.
View Profile
breeze001
I'm a 49 year old man looking to meet women between the ages of 40 and 55.
View Profile
jacuwig
I'm a 25 year old man looking to meet women between the ages of 20 and 25.
View Profile
Dn212
I'm a 51 year old man looking to meet women between the ages of 45 and 60.
View Profile
pieterl
I'm a 59 year old man looking to meet women between the ages of 45 and 62.
View Profile
Natural123
I'm a 52 year old man looking to meet women between the ages of 35 and 45.
View Profile
BossMorne
I'm a 43 year old man looking to meet women between the ages of 25 and 45.
View Profile
ScottRanger1987
I'm a 27 year old man looking to meet women between the ages of 18 and 30.
View Profile
richy10
I'm a 57 year old man looking to meet women between the ages of 49 and 70.
View Profile
Ryno_56
I'm a 26 year old man looking to meet women between the ages of 18 and 34.
View Profile
rjscm
I'm a 48 year old man looking to meet women between the ages of 30 and 45.
View Profile
captainkid
I'm a 55 year old man looking to meet women between the ages of 47 and 56.
View Profile
Zest4Life021
I'm a 75 year old man looking to meet women between the ages of 48 and 60.
View Profile
koolstoof55
I'm a 59 year old man looking to meet women between the ages of 45 and 63.
View Profile
stumpjumper
I'm a 54 year old man looking to meet women between the ages of 40 and 50.
View Profile
LiveLifeAlways
I'm a 43 year old man looking to meet women between the ages of 33 and 41.
View Profile
Ironstein06
I'm a 36 year old man looking to meet women between the ages of 25 and 37.
View Profile
plodof
I'm a 58 year old man looking to meet women between the ages of 35 and 55.
View Profile
Banker009
I'm a 56 year old man looking to meet women between the ages of 34 and 46.
View Profile
Agent_K1
I'm a 46 year old man looking to meet women between the ages of 38 and 40.
View Profile
Stdave
I'm a 38 year old man looking to meet women between the ages of 28 and 42.
View Profile
Bruce_308
I'm a 47 year old man looking to meet women between the ages of 41 and 70.
View Profile
Dazz7605
I'm a 38 year old man looking to meet women between the ages of 25 and 44.
View Profile
pinsnow
I'm a 55 year old man looking to meet women between the ages of 45 and 65.
View Profile
Ons2alleen
I'm a 30 year old man looking to meet women between the ages of 24 and 29.
View Profile
Yvard
I'm a 46 year old man looking to meet women between the ages of 30 and 44.
View Profile
Andy_Leo
I'm a 46 year old man looking to meet women between the ages of 25 and 45.
View Profile
Lockstep
I'm a 50 year old man looking to meet women between the ages of 35 and 49.
View Profile
Jericho2010
I'm a 41 year old man looking to meet women between the ages of 25 and 49.
View Profile
KTM1190A
I'm a 59 year old man looking to meet women between the ages of 50 and 58.
View Profile
6s6s6s
I'm a 43 year old man looking to meet women between the ages of 25 and 45.
View Profile
cornrlius205
I'm a 46 year old man looking to meet women between the ages of 25 and 50.
View Profile
karooboertjie15
I'm a 40 year old man looking to meet women between the ages of 25 and 40.
View Profile
philip_unplugged514
I'm a 62 year old man looking to meet women between the ages of 50 and 68.
View Profile
naughty_sporty
I'm a 41 year old man looking to meet women between the ages of 35 and 45.
View Profile
TLS11
I'm a 53 year old man looking to meet women between the ages of 40 and 60.
View Profile
LEANMAN
I'm a 39 year old man looking to meet women between the ages of 25 and 39.
View Profile
Lovelyn111
I'm a 53 year old man looking to meet women between the ages of 51 and 63.
View Profile
gentlebutcrazy
I'm a 58 year old man looking to meet women between the ages of 35 and 55.
View Profile
jsetrader
I'm a 58 year old man looking to meet women between the ages of 30 and 45.
View Profile
TheRealMrRight
I'm a 43 year old man looking to meet women between the ages of 28 and 42.
View Profile
kannieworrynie
I'm a 56 year old man looking to meet women between the ages of 45 and 55.
View Profile
Brend86
I'm a 28 year old man looking to meet women between the ages of 24 and 32.
View Profile
Firefox_771
I'm a 63 year old man looking to meet women between the ages of 42 and 56.
View Profile