HMO Maternity Coverage

[hun_nie08]

NUng nasa BDO ako nun - Maxicare ang HMO namin covered ang checkups, labtest pati yung delivery kahit yung 2mos ML mo ay bayad. KUng alam ko lang sana di na muna ako umalis.. LOL

[mildreese]

Hello mga sis  I'm new here sa thread pero Yes depende sa company.

Our company do cover maternity up to 4 deliveries and up to maximum benefit limit but it doesn't mean na you have to maximize the benefit kasi mahirap manganak kahit libre pa!

[_AiaH_]

@hun_nie08

ay talaga sis. i was offered a job at BDO noon, di ko tinanggap. sayang lol. better kasi pay dun sa work ko ngayon, pero hindi covered maternity. haha.

[outandaboutph]

Depende kasi iyan kung anong package ang kinuha ng company. Ang mga agent kasi magdedepende din sa gusto ng company, pwede sila mag adjust like kung gusto ng office ninyo eh hindi kasama iyong mga 5 star hospitals pwede, mas bababa ang premium kapag ganon.

[sexydee]

Dependent lang ako ni hubby pero covered yung maternity ko. 300K ata MBL for that. Basta as far as I can remember, 91.5K yung bill namin (CS ako) pero 1.5K lang cash out namin. Sa taytay ako nanganak since yun pinakamalapit na accredited hospital sa amin dati. Pero pwede naman sa big hospitals.

[twelvth_goddess]

Our HMO in our company only covers pre and post natal consultations without lab tests pa. However, as a company given benefit, we still get paid in full even if we're on maternity leave unlike in most companies na sss lang nakukuha. Good deal na din, it's nice to just stay at home but still get paid

[lakwatsa]

Intellicare sa min and covered ang maternity. Kaya yun mga pre, post natal check ups, lab tests and delivery e walang cash out as long as di mo namaximize yun HMO limit mo for the year.

pero aware ba kayo na yun mga ibang doc pag alam nilang covered ng HMO ang delivery mo e nanghihingi sila ng additional PF directly na ibibigay sa kanila? 

[Pretty_aye]

Sa company that I work in. Covered lang ng intelicare pre and post check up. But we are paid during ML aside sa SSS. Good thing sa husband ko as his dependent under Philcare with maternity assistance up to 50k daw sa accredited hospital so okey na rin

[zira]

hi mga sis. sa company din namin pre and post natal checkup lang ang libre but we do get paid kahit naka ML as in normal salary and iba pa yung sa SSS. dati parang hindi okay sakin pero based dun sa mga nabasa ko okay na din pala kesa sa wala.

[MedChic]

Hi. Just in case na maliit or walang coverage ang mga HMOs, make sure maayos ang PHIC and SSS. Malaking help sila. :-)

Btw, depende sa hulog ang coverage. Choose the ones na may pinakamalaking contribution pra covered lahat. :-) hindi pareparehas ang mga HMOs. Madaming mas maliit ang covered kaysa sa malaki. You know, your health is their business. 😚

[khriseeee]

My company switched to Intellicare - still same benefits though, I think delivery coverage is up to 200K na. Thank goodness Intellicare is accredited with Cardinal

We also get paid full salary for the duration of maternity leave. Best of both worlds

[+arte20+]

^Ang swerte mo sis! Saan yang company mo makapagapply nga... Haha.

[_AiaH_]

^ oo nga sis, hehe. saan yan? ang laki ng coverage nyo.

[polka08]

I'm a dependent of my husband. HMO nila is Philcare. Covered basic labtest, pre/post natal check ups, nsd covered til P100k cs covered til P150k. You can use it sa Asian, St Luke's and Makati med also

[sexydee]

Anyone here na Flexicare yung HMO?

[ficklemind]

Medicard sakin, dependent ako ni hubby, covered ang checkups but not lab test & ultrasound.
For delivery NSD 50k, CS 70k. ok na din.

Probi pa ako sa work ko, pag naregular I will have my own hmo which is maxicare but wala ako pa idea sa coverage niya.

may additional pa lang 50k if may complication yung sa medicard namin.
Baby also will have his separate HMO immediately after birth (coverage will be the same ata sa normal coverage ko which is 500k), ok pero I wish hinde kailanganin.

[baby_gab]

hello mga sis. Intellicare ang hubby ko and dependent nya ako. i've read sa downloadable FAQs nila na covered naman ang prenatal check-ups pero sa case namin, nothing related to pregnancy is covered. as in wala. ni isang check-up.  nag expect pa naman ako kahit pano. nagtanong ako sa intellicare, nirefer ako sa broker. me agreement yata ang company and ang broker. pagkakaintindi ko, saka pa magagrant ang maternity benefits pag tumagal pa sya sa company. pero yung iba ngang kumpanya, baguhan ka palang meron na agad. malaki nga lang ang coverage for sudden onset illnesses. sayang, malapit pa naman ako manganak na. oh well. i guess this is better kesa wala talaga.

[sparklingjewel]

Hi has anyone here availed of a healthcard after getting pregnant? Sinong ok na HMO in terms of health benefits / inclusions vs. Cost of premium? Mababawi ba or better not to get nalang? I lost my coverage kasi after leaving my job.
I need one who's accredited by Medical City though. TiA!