Healthcards

[hunny_ally]

  Okay lang ba anak ko lang ikuha ko ng invidual account sa maxicare? 5 years old na po sya.

ako di mapakali if walang health cards kids ko. kids are more susceptible to get sick plus those little accidents (mauntog, madulas, etc). mas kampante ako if they have one. once i lost my daughter's health card and it took ages for my husband's company to follow it up with maxicare. then by murphy's law, nag-fever din si daughter. hay todo dasal na hindi ma-hospital kasi ayoko gumastos ng malaki. lol

i had an officemate naman before who did not get a healthcard for her daughter kasi nanghihinayang with the Php 6k premium we have to pay. take note this was discounted na since our company shoulders a portion of the premium for our dependents. tapos payable pa in 1 year. ayaw niya talaga. ayun na-emergency daughter niya. balikan niya sa Cardinal hospital ER reached to php 30k++.

just think of the health card like car insurance. you wouldnt want to drive your car without one. siyempre ayaw mo din maaksidente. pero mas kampante that you have one.

[stormy]

^3yrs na kami sa maxicare na family acct sis, kasi yaan din iniisip ko na mas magastos if maospital ng walang healthcard.

Problema ko lang yun doctor ng anak ko d maxicare, plus dahil family acct kami d kami pupwede sa slmc-global. Pag may emergency ang funny if sa malayong hospital dalhin kasi emergency nga

Kaya pinag-iisipan ko na mabuti if kukuha pa kami next year every oct ang renewal namin d rin biro ang almost 54k tapos d namin nagagamit.

Na-er at nagkasakit anak ko mid december 11k pa rin ginastos ko kasi sa slmc-global ko dinala. Nagsusuka kasi, d ko na ibabyahe pa-TMC mas concern ko ang kalagayan nya kaysa sa panghihinayang sa babayaran.


Pero pag tapos na ang lahat, napapaisip ako talaga if worth it ba na magrenew pa. Sabagay kakarenew lang naman namin. Matagal pa pwedeng mag-isip.

[marose17]

@thebratinella, I used both Medicard and Maxicare before.  Same lang naman sila, I guess.  Now, our health card is Intellicare kasi lumipat ng office ang husband ko this year.  Gusto ko ang Intellicare office sa TMC kasi kokonti lang ang tao sa pila, unlike sa Medicard.

Pero ang main pedia ng kids ko, hindi accredited.   Mabuti na lang hindi sila sakitin and we visited the pedia only once this year.  Ayoko naman magpalit ng pedia.

For me, pang-ER, confinement at labs ang silbi ng health card.  For consultations, I prefer yung doctor na kilala ko or referred by another doctor, kahit na hindi siya accredited ng health card.

@stormy, ang mahal ng premium na binabayaran mo! Calculate mo na lang ulit if worth it.  Puwedeng magtago ka na lang ng slush fund for medical emergencies. 

[sarahsensible]

we are blessed na sa company nila hubby walang rule kung hanggang ilang kids ang covered ng maxicare. So far sya ang may pinakamaraming anak, we will have our 4th baby sa april so buti na lang lahat naman covered.

Problema ko lang sa maxicare ang bagal ng pila kasi di-swipe yung card tapos mag pprint pa sila.. ang dami tinitignan sa PC. Sa medicard nung last time na yun ang gamit namin, yung staff memorize nila ang sched ng doctors then pipirmahan lang nila okay na. Mas efficient yung staff ng medicard. -- sa SLMC, QC ito ha.

Sa SLMC global malayo kasi kami dun kaya hindi pa namin na try service nila, pero pwede naman kami dun.

[sarahsensible]

pag hindi na covered ng maxicare yung doc, pinapa reimburse sa company. Buti yung pinaka pedia naman namin covered thank God. Pero yung iba like pedia-nuero hindi covered kaya reimburse na lang ng company ni hubby

[stormy]

^^family acct kaya mahal marose, yaan din plano ko itabi na lang as separate fund para in case magkasakit yun ang gamitin. Ako rin kasi ubo2x xray at puros check up sa doc nitong dec e slmc-global rin doc ko. 

[hunny_ally]

^mahal nga ng premium mo. kami by next year hindi na covered ng company ni hubby yung premiums ng dependent (now it's at a discounted rate). so for my 2 kids plus for me, Php 36k. ang laki but payable naman for a year. di ko tuloy alam if kukuha ako for all 3 of us. baka sa kids na lang. my bunso nasulit yung card niya last year. his 2 hospitalizations alone almost 100k. our healthcard talaga is primarily for ER and hospitalization since the kids' pedia though maxicare accredited, relative namin so libre ang PF.

[msals2007]

i'm thinking what to get for my kids. gusto ko lang kasi may healthcard for emergency purposes lang. sa check up and vaccine naman sa pedia lang kami inside our village. sa medicard ang cheapest nila is plan 500 ata yun, P50k coverage per illness per year. nasa 18k per annum lang principal + 2 dependents na. opero di kasama mga leading hospitals like st. lukes, asian, medical city and cardinal. sa maxicare naman they have the silver na P60k naman ang coverage, semi private room lang, i think nasa 14k naman ang annual pwede pa quarterly.

[stormy]

^mas nagmamahal pag quarterly kaya I always opt for annual payment sis, d rin pwede sa amin na d kasali mga hosp na namention mo na excluded sis. Kaya tiis sa pagbabayad na lang.

^^yaan nga rin isip ko na pang hospitalization lang talaga health card

[msals2007]

sa maxicare ata kasama ang st. lukes and other hospitals na mahal though havent confirmed yet. baka kasi mahirapan kami pag annual payment kasi dalawa yung dependents kaya mas okay na siguro quarterly payments sa amin. though mas mahal talaga ng konti. mas magaan naman for us na bayaran.

[swt_fem]

Maxicare ang health card ko pero covered yun ng company. As per the package, hindi covered samin ang SLMC and Asian Hospital. Hindi rin kami pwede sa Healthway. Mas convenient sana kung pwede sa SLMC kasi mas malapit yun samin kesa MMC. We live in Taguig.

[stormy]

^Yun ibang hmo accepted naman sa slmc global bakit kaya hindi maicover ng maxicare kahit sana magkaroon pa ng additional premium.

^^yup kami rin 3 kaya tiis sa pagbabayad

[swt_fem]

yung sa son ko intellicare, hindi rin pwede sa slmc.

[sarahsensible]

^company ba ang nagsasabi sa healthcards kung ano ano ang hospital na pwede?

[thebratinella]

marose- thanks! i'll check both cards. hindi din kasi ako kampante na walang healthcard. like you, more of ER and confinement iniisip namin kasi yung pedia niya naman hindi covered ng healthcard before. mas maganda lang na whatever happens, hindi magpapanic dahil sa gastos.

[swt_fem]

^company ba ang nagsasabi sa healthcards kung ano ano ang hospital na pwede?

Dapat may orientation kayo with your HMO tsaka bibigyan din kayo ng list of accredited clinics and hospitals

[khriseeee]

What health card to you have? Maxicare Platinum

1. Covered ba pregnancy/delivery nyo? Yes. If I go to a primary care facility (TMC, MMC, etc) delivery charges are fully covered. But since I'll be giving birth at Cardinal I think Maxoicare will cover 80%
2. How much ang covered? 80% of most expenses, up to PHP2,000/room/night and a certain amount of non-accredited professional fees depending on CS or normal.
3. Did you use your health card? Yea I use it for all lab tests, ultrasounds, prescriptions, etc
4. Is it health card + philhealth? Hmm Philhealth is offered separately right? In my case, yes I also have Philhealth
5. Direct by-card payment or thru reimbursement? If primary care facility, direct by card. I need to confirm for delivery. Last time I went to Cardinal's ER for a fracture I didn't shell out any money at all.

[kiz_me1109]

^^ Sis, from what Company are you sis? I'm also Maxicare Platinum. Pero hindi ganyan yung benefits na covered niya. :-(

[hunny_ally]

^it depends kasi sa agreement between your company and the healthcard company. Ako as a dependent, my maxi care platinum covered my delivery but not that big. Reimbursible up to 20k for normal and 30k if CS (these amount I still have to verify). Then if you're the primary, Iba din ang coverage for delivery. Lumalabas nga parang I didn't pay anything when I gave birth since the PF of my OB and pedia are waived. Whatever we paid for the room were covered by our reimbursement.

^Yun ibang hmo accepted naman sa slmc global bakit kaya hindi maicover ng maxicare kahit sana magkaroon pa ng additional premium.

 My husband works in fort and he said their HR daw is pressuring maxicare to make arrangements with SLMC to accept maxicare or else the company will cease their contract with them. Eh medyo malaki-laking account sila (primary + dependents are into the thousands). Makes sense naman kasi if they have emergencies in the office alangan naman they bring them pa to makati med or medical city.

[snowyice]

mga sis diba kapag personal kang kumuha ng health card mo may bayad for every check up?