best health card in terms of service and payments

[ikaela]

^Okay, thanks for getting that info. Now alam ko na rin

[izzybaby]

i'm also looking for good health card. I will inquire at Philcare.

[zaji731]

I've only had both Intellicare and Maxicare so i can only comment on those 2.
Between them, i like Maxicare better in terms of customer care and over all inclusions sa package.

[eischied_21]

Planning to get either HMO or Health Insurance from Sunlife/Philam, etc. Still doing my research.

For Health Insurance, I will get the critical illness plan and for HMO the most basic plan lang for consultations and lab test lang sana. I'm based overseas and pag umuuwi kasi ako parati ako nagpapacheck up din.

[ycel0612]

^^Hirap kasi sa ating mga self-employed, sis, hindi sulit ang ibabayad natin for HMOs. Premiums are too high for such small coverage, and if you do end up using it, chances are your premiums next year will dramatically increase. The risk for individual accounts like ours is not spread out like in group accounts.

There are inexpensive annually renewable HMOs (like Medicard), but personally, I find the 50-60k coverage they offer to be low. Yung ibabayad ko sa kanila na 20-30k/year for my family, ipunin ko lang for 2 years, yun na din yung coverage. Hindi pa kami limited sa accredited network nila.

ganito rin ang nasa isip ko about HMO kaya di ako kumukuha. Good thing may HMO sa office at may free HMO for 1 dependent. Ang wala lang HMO sa amin ay yung mother ko.

Aside sa limited ng accredited network nila, limited ka rin sa illnesses na sasagutin nila. Kung babasahin ang fine print ng HMO, super dami ng exclusions at syempre nandyan ang pre existing conditions. Pati rooms mo limited rin, if you like to be upgraded sa room babayaran mo yung incremental charges.

Sa mga HMO naman na low ang premium but high coverage, parang pahirapan ang pag claim based sa mga nababasa ko at experience na rin. Yung outpatient na nga lang ng Valucare ( our company's HMO) kailangan dumaan ka muna sa resident physician ng Valucare kung gagamitin mo sa Makati Med. Lalabas ka pa ng Makati Med since andun yung Valucare clinic nila. Hassle.

What I did 3 years ago, ayun super ipon ng emergency fund para di kami vulnerable in case may ma hospitalized. Ang exit plan ko naman noon in case may magkasakit sa amin during the time that I am building my emergency fund is to use my credit cards to pay hospital bills ( of course dun ko sila dadalhin sa nag aacept ng ccc ) and to transfer balance to my other card para konti lang magagalaw sa emergency fund ko. Kung magkaroon ng panibagong aberya, I still have some funds for it.

Bottom line, I don't believe in HMO if I will shoulder the premium myself.

[trizh]

I have Medicard ngayon kasi from company naman. Di ko siya macompare sa iba since ito pa lang yung nagagamit ko, pero so far, okay naman siya. 250,000 limit per disease yata kami.

[msr_llb]

okay nga daw medicard. sana yan yung kunin ng company namin this year.

may personal HMO kA na kinuha naming ng family yung MEDOCARE sorbing pant ng service eh. parang tinitipid. hirap mag approve ng procedures. kaht yung accredited doctors na rin nila nagsasabi. kaya nga if praning ka sa sakit mo magbabayad ka na lang ng personal na pera mo kesa umasa na iapprove yung procedure na gusto mo. plus ang panget pa ng home base medical facility nila.

yung CARITAS rin sobrang panget. heard so much horror stories about them even sa mag close friends ko nagulat nga ko na same imi ng bad experiences sa CARITAS.

So far pink best malaga manicure, even my mom na breast cancer survivor wala naming problem with them worth every penny. yung MEDICARD rin daw ok di ba? sana malaga yun kunin ng office

[stars01]

I browsed through the thread and read about Philcare's IPER offer. Sadly, wala na raw ganun ngayon sa Philcare when I inquired yesterday. They are offering yung HealthVantage cards nila instead. Bale, sa Healthvantage ER and inpatient lang ang cover niya walang OPD benefits. Pero so far, siya yung pinakamura sa lahat ng HMO na tiningnan ko. Yung pinakamahal nila na 13,000 na card ay may MBL na 80,000 per year and may access sa Top 5 hospitals including SLMC-GC. Yun nga lang compared sa ibang nakita ko, Philcare yung pinakamaliit ang coverage na nakita ko.

Here's their link for those who are interested.

http://www.philcare.com.ph/product-list/health-vantage-card/

[j.adore]

Wala naman yata mura package na super Ok service?

Maxicare and Philcare same lang para sa akin. Intellicare is nice but higher package kasi ito.

[JAZRINA]

Hi! Meron ba sa inyo na member ng kaiser long-term healthcare package? May nag-ooffer kasi sa akin nito pro wala kasi akong makita na review. 

[rhumbafrapp]

I have decided na to get na lang a medicare card as opposed to philcare. Hayaan mo na 10k is no small amount, pero Mas maHal magka sakit naman.

[ycel0612]

as expected, pangit na naman encounter ko sa valucare. di nila sinagot ang lab ng mom ko na required ng doctor kasi excluded daw yon sa coverage. nakaka inis.

[caterpillar-girl]

I just inquired with Blue Cross for health insurance for my husband. 37 years old, non smoker, no pre existing illnesses. Lumalabas 25K a year. 1.5M coverage. Whoa. I thought it would only be less than 10K or so. That's yearly annual premium. So if I want him covered for at least another 30 years, we would be paying 750K. That's an angioplasty right there lol (although maybe in 30 years, who knows how much an angioplasty would be).  Does that sound like a good deal, or maybe I should just continue investing in our investment vehicles and use what we would earn there to pay for whatever health needs in the future?

[drowningpanda]

^Malaki kasi yung coverage. Nung nagpa-quote ako sa eastwest, for 80 thou na maximum benefit limit, wala pa sa 9,000 ang annual premium pag age 21-35 ka. And ang 56-60 yrs old eh 23,000 lang.
Yun lang lumalaki sya habang tumatanda ka pero mas mura sya kesa sa ibang napagtanungan ko.

Pero ang kukunin ko lang eh yung one time use card ng philcare kasi mura lang sya. Ang 900 pesos ko ay may 40,000 coverage na for a year. Kaya nga lang masyado marami restrictions. Pero pwede na din.

[komodojo]

Does anyone know an agent for Blue Cross? Pahingi po contact details I want to inquire about health card for my senior citizen parents eh.  Thanks in advance!

Aside from Blue Cross, ano pa ba health card na pwede for senior citizens? Malaking tulong talaga siya eh.

[ieiky]

Hello mga sis,

Sino naka experience na gumamit ng CIGNA card sa pinas?

[krnmprl]

IMHO un eastwest healthcare is best value for money.

[PetiksPinayInvestor]

^ Sis, some pointers naman...

Bakit niyo po nasabi (IYHO) na best value for money ang eastwest healthcare?

[kobekitten]

I had Medicard with the company I used to work for in 2007-2008. I was allowed to list two dependents. Then my youngest brother had to undergo a spine surgery. Luckily, I listed him as a dependent (and either my mom or dad as the other one).

We spent a lot on that, but thankfully, Medicard handled P330,000.00 of the cost. I was able to maximize the limit.

[ellabear]

Hello. I have my Intellicare right now from my current company. Unfortunately, hindi covered or walang coverage for maternal delivery. Prenatal and post natal na 14 visits lang covered per year. Im looking for an HMO na magcocover ng maternal delivery and i want to know the eligibility na rin kasi im currently on my 30th week na. Thanks!