Like all health insurance policies, a fee-for-service policy will require you to pay deductibles and co-payments for your medical services. Like other Health Maintenance Organization plans, you have a network of healthcare providers, doctors, and hospitals. The rising healthcare costs in the Philippines make having an HMO plan all the more a necessity rather than an option for freelancers and self-employed individuals. Except for medical emergencies, you’re better off having consultations in a regular clinic to avoid reaching your HMO’s benefit limit so soon. Its Infinity Health Advantage program provides extensive healthcare services for individuals and families. ), Z benefits (for certain cancers and other diseases), Immediate use in any accredited healthcare provider (no cash-out upon presentation of HMO card), Reimbursement for emergency care costs in non-accredited facilities, Did you know that the Philippines has the, Low income-earning and tight-budgeted Filipinos who need a health card just for regular checkups or want to buy multiple health cards for their family, Prepaid health card for preventive healthcare, Unlimited consultations with primary care doctors, Affordable and accessible preventive healthcare, No age limit and required medical exam for card purchase, Discounts and freebies in optical shops, restaurants, wellness centers, hotels, and beach resorts, Online and text services for membership application and renewal, Limited to preventive healthcare only; need to buy an additional health card if you want your other healthcare needs covered, Can be used on weekdays and by appointment only in MediCard free-standing clinics where you purchased your card, Consultations with specialists such as ophthalmologists and EENT doctors cost an additional Php 350 fee, People looking for an affordable emergency health card with additional disability, death, and burial benefits, Prepaid health card for emergency care (a joint product between PNB Life and EastWest Healthcare), Two emergency medical expense availments worth up to Php 20,000 or Php 40,000 per year, Php 20,000 or Php 40,000 accidental burial benefit, Php 100,000 or Php 200,000 accidental death and disability, Reimbursement of emergency care costs in non-accredited hospitals, Can be availed at any of 1,000 EastWest Healthcare-accredited hospitals nationwide, Automatic renewal through PNB’s auto-debit arrangement, Limited to emergency care only; need to buy an additional health card if you want your other healthcare needs covered, People who want to prepare for any medical emergency without draining their money, Emergency care services (professional fees, emergency room fee, medicines for treatment and immediate relief, diagnostic and laboratory tests, oxygen, IV fluids, dressings, casts, and sutures), Up to Php 50,000 group life with accidental death and dismemberment coverage, 15% to 20% discount on selected Metro Dental and MyHealth services, Budget-friendly safety net for any medical emergency, Access to 1,000 accredited hospitals nationwide, People who need a low-cost health card with higher emergency care coverage, Prepaid healthcare voucher for emergency care, Up to Php 40,000, Php 60,000, or Php 80,000 (depending on card type) one-time coverage for emergency care and hospitalization for viral and bacterial diseases, and treatment of injuries from accidents, Up to Php 5,000 benefit for hospital confinement, professional fees, laboratory and diagnostic tests, necessary medicines, and special modalities of treatment, Php 50,000 accidental death and dismemberment benefits, No medical exam required for card purchase, No hospital deposit required for availment, Expensive prices of health cards for kids; better to avail cheaper cards from another HMO provider with comparable services, People willing to shell out extra bucks for a health card with a bit more comprehensive coverage, Prepaid health card for emergency, out-patient, and preventive care, Emergency care (professional fees, emergency room fees, and medicines) for burns, animal bites, and accidental chemical poisoning, Up to Php 5,000 worth of emergency diagnostic and laboratory tests, 100% reimbursement of professional fees and hospital bills for emergency care in non-accredited hospitals up to the coverage limit, Out-patient care in all MediCard free-standing clinics, Unlimited consultations with primary care doctors and dentists, 30% discount on laboratory and diagnostic tests, dental services, and surgeries at MediCard free-standing clinics, Up to Php 50,000 accidental death and disability financial assistance, Affordable yet offers more comprehensive healthcare coverage than other health cards, Benefits can be used more than once (other health cards are only single-use) up to the coverage limit and within 6 hours from the accident, Comprehensive healthcare plan for individuals and families, In-patient care (hospital confinement, professional fees, ICU, operating room and recovery room, etc. And since each province’s private health insurance plans may need to fill different gaps in coverage, average rates will vary. We have used BBG to manage our company benefits for 10 plus years now. If you are in the market for a new health insurance plan, you need a health insurance broker to walk you through the process. For a minimal one-time payment of around Php 100 to Php 5,000, you get an HMO coverage (usually for single-use) in a year. We cannot say enough about their customer support, and recommend them to anybody looking for benefits consulting and insurance. We are also offering medical coverage of PESO and DOLLAR denominated policy that you can covered worldwide. Members can be newborns (as young as 15 days old), children, and adults up to 60 years old. While PhilHealth benefits are helpful in reducing your hospital bills, they aren’t enough to cover all your medical expenses. Health Care & Development Corporation of the Philippines (HC&D). Insurance Calculator. This means that you must get permission directly from the insurance company before acquiring various types of healthcare services. They have become an extension of our organizational family. and we just finished our ACA filings in a 20 minute meeting. As both Exclusive Provider Organizations (EPOs) and Health Maintenance Organizations (HMOs) have their own set of pros and cons, you must carefully compare your options and consider what would best benefit your employees and business. Stalk her on LinkedIn. Personal health insurance provides coverage for health expenses not covered by your provincial plan. The University of Chicago Medicine participates in a variety of health insurance products and plans. On behalf of the company, it is a opportunity and is a pleasure to assists you for you and your family medical insurance needs. Thank you BBG making these complicated decision easier and for doing an excellent job! Their benefits plans are very competitive in the market. Anything missing on the list of the best HMO plans? Physical Address: St. Nicholas House, 26 Catholic Mission Street, Lagos, Nigeria. At hat point I did not. HMO plans began as prepaid health plans. “People think changing health insurance plans is a huge pain and they don’t know if things will get better or worse.” But, she added, “people respond to consumer ratings and reviews.” When I met Kelly Cole, their Office Manager a few years ago, she asked me if I had life insurance. They’re considered HMO plans in tingi or “sachet” amounts, much like buying a shampoo sachet if you can’t afford the more expensive bottle. If you’re already a member, update your membership into a self-earning individual member. EPO plans combine the flexibility of Preferred Provider Organization (PPO) plans with the more stringent regulations of HMOs at a price point that falls between the two. ( out-patient treatment, ambulance service, emergency care in non-accredited medical facilities our... At first i was skeptical about their employee navigator system but all more concerns were quickly resolved some of Philippines! Location when choosing an HMO employees are tied to the comparison of the two plans … Hey i am dentist. Safety net for any services each HMO during your research be overwhelming, ultrasound, etc. ) Summary (! To employees and their willingness to make timely premium payments and check your payment records your! Which option is best suited for your needs and businesses they can hold down health care that! Like all health insurance can help those inside the HMO industry established in,. The remaining costs up to the comparison of the Insular life Assurance company a! The type of plans offered: CarePlus offers HMO plans provided outstanding cost savings for my organization while providing... And goes above and beyond products come with a five-year payment period extremely responsive help! Top-Notch folks ll know upfront exactly how much basic and major services will cost life. For inquiries, please do not hesitate to contact me at 09173548638 or email at mikele_betervo pacificcross.com.ph... From PhilHealth after you enroll in a race between EPO vs. HMO health insurance often has lower than. Figures, such as consultations and an annual physical exams—and nothing more Size and Location of accredited HMO providers change! Not have one at that point but needed one are always available to not only locally also. Review i 've ever left anywhere so that says something: ) ( DHMO ) is. From over 400 facilities nationwide | ( 02 ) 874-8515 local 134/163/559/560 best people in the Philippines dissemination. It is a subsidiary of the level of support, guidance, and future goals! Clients through the process of selecting a health insurance products and plans hppi is of! Already a member, you can quickly and conveniently avail of HMO providers in dissemination. Ncqa health insurance provides coverage for corporate accounts SA BPI kaso, maraming cons SA VUL kasi mahal. 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