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Masakit sa bulsa ang magkasakit. Agree?
This painful reality is felt all the more by freelancers, self-employed, unemployed, and anyone with limited upkeep in the Philippines.
Without an employer who takes intendance of your health insurance, you lot'll have to pay for medical bills out of your pocket. Ouch. Merely you can minimize your healthcare costs through an HMO.
Empathize everything well-nigh HMO in the Philippines, so you can cull the right healthcare program for you and become the virtually out of it.
What is HMO?
HMO stands for Health Maintenance Organization.
Republic Act 7875 (National Health Insurance Act of 1995) defines it as an "entity that provides, offers, or arranges for coverage of designated health services needed by programme members for a fixed prepaid premium."
Past themselves, HMOs are not healthcare providers. Rather, they're the middlemen between healthcare providers and patients.
How Does HMO Work?
An HMO gives members access to its network of healthcare providers—including doctors, dentists, hospitals, and clinics—through prepaid wellness products for a monthly, quarterly, semi-annual, or annual fee.
Standard HMO Benefits in the Philippines
You can go these standard benefits through an HMO company:
- Out-patient care (consultations, laboratory and diagnostic tests, etc.)
- In-patient care (hospitalization, operating room and recovery room, professional fees, etc.)
- Emergency care (professional fees, infirmary bills, emergency room, medicines for treatments, etc.)
- Preventive care (almanac physical exam, immunizations, etc.)
ii Types of HMO Plans
HMO providers in the Philippines offering two kinds of healthcare plans:
1. Comprehensive HMO Plans
These are traditional HMO products roofing a wide range of healthcare benefits, with annual premiums ranging from Php iv,000 to Php sixty,000.
ii. Prepaid Wellness Cards
Prepaid cards are a more affordable choice for low-income to centre-income earners in the Philippines. They're considered HMO plans in tingi or "sachet" amounts, much like buying a shampoo sachet if y'all can't afford the more expensive bottle.
For a minimal i-time payment of around Php 100 to Php 5,000, yous get an HMO coverage (usually for single-utilize) in a year.
Other Crucial Info Nearly HMO
Other important things you need to know about how HMO providers work:
ane. Membership
Although near HMO companies in the Philippines cater to employees, some of them are open to individuals (freelancers, cocky-employed, etc.) and families. Members can exist newborns (as young as fifteen days old), children, and adults up to 60 years sometime.
2. Coverage
HMO plans accept a 1-twelvemonth coverage. They're renewable yearly, depending on a member'due south historic period, wellness status, and amount of claims filed within a year.
3. Accredited vs. Not-Accredited Healthcare Providers
Members don't demand to pay for healthcare services if they avail of them inside the HMO's network.
Medical services outside the HMO's network aren't covered, so members take to pay their bill in full. An exception is emergency care availment in non-accredited facilities, in which an HMO may reimburse lxxx% to 100% of hospitalization and professional fees.
iv. Maximum Benefit Limit
The maximum do good limit—the maximum amount an HMO can cover in a year—varies from one HMO plan to another. If you lot exceed this coverage limit in a twelvemonth, you'll have to pay for your succeeding medical bills on your own.
v. Integration with PhilHealth Benefits
Patients can use their HMO plan in add-on to PhilHealth benefits during hospitalization. PhilHealth covers 15% to xxx% of hospital expenses of its members. The HMO pays for the remaining costs up to the do good limit.
How is HMO Unlike from PhilHealth and Health Insurance?
HMOs, PhilHealth, and health insurance plans provide healthcare benefits to Filipinos. All the same, they aren't 1 and the same.
Here are the major differences betwixt the three types of health insurance in the Philippines:
| HMO | PhilHealth | Health Insurance | |
| Service provider | HMO companies (Maxicare, Intellicare, MediCard, etc.) | National government | Life insurance companies (Sunlife, Manulife, AXA Life, PruLife, etc.) |
| Regulating government agency | Insurance Commission | Department of Health | Insurance Commission |
| Price per year (for cocky-employed members) | Php 100 to Php threescore,000+ | Php 2,400 to Php three,600 | Starts at Php forty,000 |
| Standard benefits |
|
|
|
| Benefit availment |
|
| Reimbursement |
Pros and Cons of Having an HMO?
It's of import to know the advantages and disadvantages of HMO plans before yous avail of one.
4 Advantages of Getting an HMO
i. Affordable Cost
HMOs offering lower premiums than almost health insurance plans. For as low as Php 100, y'all can receive basic healthcare within a year.
Also, having an HMO plan means you won't take to pay upfront earlier you can avail of a medical service in an HMO-accredited facility.
ii. Ability to Choose Your Coverage
If y'all're paying for an HMO plan as an private member, you can customize your plan based on your healthcare needs.
This is an advantage cocky-employed people have over employed members. Employees are tied to the HMO programme chosen past their employers, and changing HMO coverage for corporate accounts isn't possible.
Employees tin only add together dependents (subject field to certain restrictions) and pay for their coverage out of pocket.
three. Wide Range of Loftier-Quality Healthcare Providers
HMO companies, especially the almost established ones, have large networks of medical specialists and facilities in the Philippines.
This means members enjoy coverage for a broad range of healthcare services through HMOs than other types of wellness insurance.
Healthcare providers undergo an HMO's accreditation process and must run across certain qualifications.
So yous can be sure that yous'll go not only affordable just also high-quality services.
iv. Peace of Mind
Having an HMO plan gives you a sense of security that any fourth dimension an illness or blow strikes, you won't need to worry about how to fund your medical expenses.
3 Disadvantages of Getting an HMO
1. Not-Coverage for Out-of-Network Healthcare
With an HMO plan, you lot tin can enjoy benefits only within the HMO's network of specialists and facilities.
This means if y'all avail of a service in a non-accredited facility, your HMO provider won't cover it, and you lot'll accept to pay for your medical bills on your own.
The only exception is emergency care.
For example, if you become an emergency treatment in a non-accredited infirmary, some HMOs allow yous to reimburse 80% to 100% of the total cost.
two. Restrictions on Healthcare Providers
Despite having a large network of providers, HMO companies usually set many limits on the physicians patients tin visit and healthcare facilities they tin can use.
Do you lot prefer a specific dr. or hospital?
Your choice may not be included in your HMO's network.
For instance, if you lot want to be confined in one of the major hospitals in the Philippines, your options will exist limited to plans that offer this feature, typically at higher costs.
iii. Benefit Exclusions
HMOs generally cater to those who need basic healthcare services such as consultations and annual concrete exams—and nothing more.
Almost HMO plans exclude pre-existing conditions (cancer, stroke, diabetes, etc.), maternity benefits, and dental care.
Others offer them equally optional benefits for an additional premium.
Why Should You Get an HMO?
Considering the pros and cons of HMO, is information technology worth signing up with one?
The short reply: Of course!
Hither are the biggest reasons why HMO is important for self-earning people in the Philippines:
i. Get affordable healthcare when y'all need it
Being a freelancer or self-employed means nobody will take care of your hospital bills—except yourself.
Getting an HMO gives your much-needed safety cyberspace for any medical need.
Tin you instantly fork out Php 50,000 for infirmary bills?
Losing income due to hospitalization drains your income already, and information technology hurts more to be burdened with expensive medical bills.
With an HMO plan, you can rest assured that after a trip to the hospital, your income and savings won't be wiped out, and you won't accept to infringe coin from anyone.
ii. You can't rely solely on your PhilHealth benefits
While PhilHealth benefits are helpful in reducing your infirmary bills, they aren't enough to encompass all your medical expenses.
Too, PhilHealth doesn't cover many healthcare services such as bank check-ups and annual physical test.
This is where HMO providers span the gap. By getting an HMO, you'll get a wider coverage for dissimilar medical services in the Philippines.
3. Healthcare costs in the Philippines keep rising
Did you know that the Philippines has the highest medical inflation rate in Asia?
Based on the survey of global Hour consultancy Mercer Marsh Benefits, the projected Philippine medical inflation rate is xiii.1% in 2018—way higher than the vi.vii% consumer cost aggrandizement rate in September 2018.
The ascent healthcare costs in the Philippines make having an HMO program all the more than a necessity rather than an choice for freelancers and cocky-employed individuals.
Top 10 HMO & Wellness Cards in the Philippines
The following list of HMO providers is ranked based on the membership/enrollment fees they collected in 2018.
Below is our list of the top ten HMO providers in the country (based on membership fees data).
1. Maxicare HealthCare
Maxicare services more than 1 one thousand thousand members across the land and has partnered with over 1,000 hospitals and 56,000 affiliate doctors and specialists. It is considered one of the largest and premier providers of HMO services in the Philippines.
- Maximum do good limit – P200,000
- Monthly premiums – starts at Php18,000 (based on annual payment amount)
- Features/benefits
- In-Patient Care
- Out-Patient Care
- Preventive Intendance
- Emergency Care
- Annual Check-Up (ACU) – Applicative to all programme types
- Dental Care (Optional)
- Maxicare's International Help Programme
- Dreaded Disease/Status
- Additional benefits roofing lab tests and other similar procedures
- Best for: Individual and family plans, corporate HMO sponsorship
2. Intellicare
I of the pioneering HMO companies in the Philippines, Intellicare'south focus is providing companies and business owners with a reasonable HMO plan for its employees.
- Maximum benefit limit – Varies depending on the HMO package selected past your company
- Monthly premiums – Varies depending on the HMO package selected by your company
- Features and benefits
- Annual Physical Exam (APE)
- In-Patient Care
- Out-Patient Care
- Emergency Care/Solitude
- Additional benefits covering lab tests and other like procedures
- Dental Care (optional)
- All-time for: SME Owners and Corporate Accounts
iii. Medicard Philippines
With almost four decades of experience in providing healthcare services, Medicard has established itself every bit one of the most recognized names when it comes to HMO. They have multiple plans that cater to various needs (OFW, family, corporate, etc.,) and members only pay for what is used up as unused funds will be returned.
- Maximum benefit limit – Upwardly to P95,000 for Medicard Select, P150,000 for Medicard Kabayan (OFW plan)
- Monthly premiums – Starts at P3,000 per twelvemonth
- Features and benefits:
- Hospitalization
- Outpatient services
- Preventive care services
- Almanac Physical Exam
- Lab test for blood chemistries
- Optional dental services
- All-time for: Individuals and OFWs
4. Caritas Wellness Shield
Established in 1995, Caritas Wellness Shield has been operating for over 20 years with 76 branches and 15 Clinica Caritas all across the country. With a network of fourteen,000 doctors, they have served more than 800,000 members.
- Maximum do good limit – A fellow member's MBL will be provided by a service rep from Caritas Health Shield (varies based on computation)
- Monthly premiums – Visit their website to get a quote
- Features and benefits:
- Special Diagnostic Procedures
- Hospitalization Benefits
- Medical Expense Benefit Outpatient Services
- Emergency Intendance
- Annual Physical Examination
- Preventive Health Care
- Dental Intendance
- Membership Privileges Outpatient Services
- 4-Way Insurance Benefits:
- Credit Life
- Term Life
- Accidental Decease
- Waiver of Installment due to Disability
- All-time for: Individuals looking for vi or 10-year HMO coverage. They also have a Kiddie Health Programme which provides coverage for 10 years
v. Philhealth Care (PhilCare)
PhilCare was established in 1982 as Philippine Health Systems, recognized to be one of the first HMO providers in the country. In 2019, it launched DigiMed, a service that allows members to consult with doctors via telephone and video.
- Maximum Benefit Limit: Upwards to 300,000 (Health Luxe programme)
- Monthly premiums: Pricing depends on age bracket, please contact PhilCare directly for a quote
- Features and benefits:
- Preventive care
- Outpatient care
- Emergency room care
- Hospitalization
- PhilCare Travel help
- PhilCare Lifestyle Concierge
- Pre-existing atmospheric condition coverage
- Exclusive perks from lifestyle partners
- Fiscal assistance and protection
- Best for: Individuals looking for a comprehensive health program that promotes overall wellness and a good for you lifestyle.
6. ValuCare Health System
ValuCare is a Managed Intendance Visitor founded in 1997 past a grouping of medical practitioners.
With more than than i,300 accredited hospitals and clinics, 990 dental clinics, and 19,000+ medical specialists, their goal is to "provide affordable quality health intendance and promote the well-being of our plan members".
- Maximum do good limit – MBL info to be provided by a service rep from ValuCare (visit their website to inquire)
- Monthly premiums – Visit their website to get a quote
- Features and benefits:
- Out-Patient Services
- In-Patient Services
- Emergency Services
- Preventive Health Services
- Dental Benefits
- Valu+Features
- Fiscal Assistance (for principals)
- Special Modalities
- Best for: Family unit accounts. They also offer corporate accounts with at least 20 regular employees
7. Eastwest Health Care
Established in 2002, EastWest Healthcare aims to provide people with efficient wellness intendance options with applied coverage at fair prices. They have more 100,000 members from 500 multinational and local conglomerate companies under total HMO & TPA programs.
- Maximum benefit limit – P200,000
- Monthly premiums – starts at Php8,371 (based on annual payment amount)
- Features/benefits
- In-Patient Intendance
- Out-Patient Care
- Life insurance upward to Php250,000
- Best for: Individual and families looking for a upkeep-friendly HMO plan
eight. Avega Managed Intendance
An offshoot of Intellicare, Avega is a managed-intendance company that provides medical services to client-companies that need health plans for their workforce. They have piece of work with 800 hospitals and take 12,000 doctors/medical specialists in their network.
- Maximum Do good Limit: Varies depending on the HMO parcel selected by your company
- Monthly premiums: Varies depending on the HMO packet selected by your company
- Features and benefits:
- Annual Concrete Exam (APE)
- In-Patient Care
- Out-Patient Care
- Emergency Care/Confinement
- Additional benefits covering lab tests and other like procedures
- Dental Care (optional)
- Best for: Corporate HMO services
9. Insular Health Intendance (InLife)
IHC's healthcare network is made up of more than xviii,500 accredited medical specialists with over one,200 medical facilities nationwide. They offering really affordable HMO packages that are perfect for budget-conscious individuals who want decent medical coverage.
- Maximum Do good Limit: Upward to 100,000
- Monthly premiums: Equally low as P700 (ane-fourth dimension payment merely) for a 50,000 coverage
- Features and benefits:
- Doctor's professional fee
- Laboratory and diagnostic procedures
- Emergency room care
- Regular individual room accommodations
- Medicines equally medically necessary in the emergency room and during confinement.
- Surgery and surgeon'due south fees when medically necessary
- Use of operating room, recovery room, and ICU, as medically necessary.
- Special modalities of treatment as medically required in emergency room care and confinement, and field of study to Php 5,000 standard limit.
- Hospital cash allowance of Php 1,000 when bars.
- Best for: Budget-conscious individuals looking for a per-use HMO card for emergencies
ten. Pacific Cross Health Care
Pacific Cross provides HMO, Medical, Travel, and Personal Accident Insurance. Founded in the Philippines in 1949, information technology operates with sister companies beyond Asia, with a stiff focus in the ASEAN region.
- Maximum benefit limit: Up to P250,000 per affliction per lifetime for Lifestyle Program
- Monthly premiums: starts at P23,000 annually (Lifestyle Plan)
- Features/Benefits:
- Basic infirmary benefits
- Coverage away
- Critical Intendance
- Surgical Fees
- Emergency Out-patient
- Emergency Dental services
- Emergency local ambulance service
- Daily hospital allowance
- Recreational Contact Sports Coverage
- Worldwide emergency assistance
- Best for: Frequent travelers
8 Best HMO Plans for Filipinos with a Limited Upkeep
Good news for freelancers and cocky-employed Filipinos: you won't run out of affordable, value-for-money HMO options in the Philippines.
Based on the key considerations discussed above, here are the best HMO program for anyone with a tight budget.
i. MediCard Health Cheque
Ideal For: Low income-earning and tight-budgeted Filipinos who need a wellness card just for regular checkups or want to buy multiple health cards for their family
HMO Type: Prepaid health card for preventive healthcare
Cost: Php 500
Benefits:
- Unlimited consultations with primary care doctors
- Almanac physical examination
- 20% discount on laboratory tests
Pros:
- Affordable and accessible preventive healthcare
- No age limit and required medical exam for menu purchase
- Discounts and freebies in optical shops, restaurants, health centers, hotels, and embankment resorts
- Online and text services for membership application and renewal
Cons:
- Limited to preventive healthcare only; need to buy an additional health carte du jour if you lot want your other healthcare needs covered
- Tin can be used on weekdays and past appointment only in MediCard gratuitous-continuing clinics where you purchased your card
- Consultations with specialists such every bit ophthalmologists and EENT doctors toll an additional Php 350 fee
2. Salubrious Ka Pinoy Wellness Emergency Card
Ideal For: People looking for an affordable emergency health card with additional inability, death, and burial benefits
HMO Type: Prepaid health card for emergency care (a joint product between PNB Life and EastWest Healthcare)
Prices:
- Php 720 for a maximum coverage of Php 140,000
- Php i,200 for a maximum coverage of Php 280,000
Benefits:
- 2 emergency medical expense availments worth upwards to Php xx,000 or Php 40,000 per year
- Php 20,000 or Php forty,000 accidental burial do good
- Php 100,000 or Php 200,000 accidental death and inability
- Reimbursement of emergency care costs in non-accredited hospitals
Pros:
- Can be availed at any of i,000 EastWest Healthcare-accredited hospitals nationwide
- Automated renewal through PNB'south auto-debit arrangement
Cons: Limited to emergency care only; need to buy an boosted health card if y'all want your other healthcare needs covered
3. Maxicare EReady
Ideal For: People who want to fix for any medical emergency without draining their money
HMO Blazon: Prepaid health card for emergency care
Membership Eligibility: 15 days to 65 years old
Prices: Php 549 (without major hospitals) and Php 749 (with major hospitals) for a maximum one-time coverage of Php fifteen,000
Benefits:
- 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)
- Upwardly to Php fifty,000 group life with adventitious death and dismemberment coverage
- xv% to 20% discount on selected Metro Dental and MyHealth services
Pros:
- Upkeep-friendly safe net for whatever medical emergency
- No preliminary check-upwards and paperwork
- Access to 1,000 accredited hospitals nationwide
Cons: Limited to emergency care but; need to purchase an additional health carte if you want your other healthcare needs covered
4. PhilCare ER Vantage Plus
Platonic For: People who need a low-cost health card with higher emergency intendance coverage
HMO Type: Prepaid healthcare voucher for emergency care
Membership Eligibility:
- Adults: eighteen to 64 years old
- Children: 6 months to 17 years old
Price Range:
- Adults: Php i,050 to Php 1,750
- Kids: Php 2,950 to Php 4,950
| PhilCare Health Card | Cost | Maximum Coverage |
| ER Vantage Plus 40 for Adults | Php ane,050 | Php xl,000 |
| ER Vantage Plus 60 for Adults | Php i,350 | Php threescore,000 |
| ER Vantage Plus 80 for Adults | Php one,750 | Php 80,000 |
| ER Vantage Plus xl for Kids | Php ii,950 | Php twoscore,000 |
| ER Vantage Plus lx for Kids | Php 3,950 | Php 60,000 |
| ER Vantage Plus eighty for Kids | Php 4,950 | Php lxxx,000 |
Benefits:
- Up to Php xl,000, Php lx,000, or Php 80,000 (depending on menu type) erstwhile coverage for emergency care and hospitalization for viral and bacterial diseases, and treatment of injuries from accidents
- Up to Php five,000 benefit for hospital solitude, professional fees, laboratory and diagnostic tests, necessary medicines, and special modalities of treatment
- Php 50,000 adventitious death and dismemberment benefits
Pros:
- No medical exam required for card purchase
- No hospital deposit required for availment
- Easy SMS registration
- Boosted accident insurance
Cons:
- Express to emergency intendance only; demand to buy an boosted health menu if you want your other healthcare needs covered
- Expensive prices of health cards for kids; meliorate to avail cheaper cards from another HMO provider with comparable services
- Excludes major hospitals in Metro Manila
five. MediCard RxER
Ideal For: People willing to shell out actress bucks for a health card with a fleck more comprehensive coverage
HMO Type: Prepaid health card for emergency, out-patient, and preventive intendance
Price: Php i,998 for a maximum coverage of Php 20,000
Benefits:
- Emergency care (professional fees, emergency room fees, and medicines) for burns, beast bites, and adventitious chemical poisoning
- Up to Php 5,000 worth of emergency diagnostic and laboratory tests
- Anti-rabies immunization
- Casting and splint
- 100% reimbursement of professional person fees and hospital bills for emergency care in non-accredited hospitals up to the coverage limit
- Out-patient intendance 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 complimentary-standing clinics
- I-fourth dimension oral prophylaxis
- Up to Php fifty,000 adventitious death and disability financial assistance
Pros:
- Affordable still offers more comprehensive healthcare coverage than other wellness cards
- No age limit and required medical exam for card buy
- Benefits can exist used more than once (other wellness cards are only single-utilize) upwards to the coverage limit and within vi hours from the accident
- Discounts and freebies in optical shops, restaurants, health centers, hotels, and beach resorts
- Online and text services for membership application and renewal
Cons: Consultations with specialists such as ophthalmologists and EENT doctors cost an boosted Php 350 fee
6. Pacific Cross Select
Ideal For: People who often travel abroad and demand a comprehensive HMO plan at a minimal cost
HMO Blazon: Comprehensive healthcare programme for individuals and families
Membership Eligibility: fifteen days to 65 years quondam
Price Range: Php 4,482 to Php 58,995 annually (for a maximum coverage of Php 500,000 to Php 1.5 million), depending on historic period and hospital blazon
Benefits:
- In-patient care (hospital confinement, professional fees, ICU, operating room and recovery room, etc.)
- Emergency care (out-patient handling, ambulance service, emergency dental services, overseas solitude, worldwide assistance, etc.)
- Annual physical exam
- In-patient benefits for a female person insured's newborn from 15th day old up to the policy renewal
- Accidental death coverage
Pros:
- Comprehensive in-patient and emergency intendance coverage at reasonable rates
- Highest maximum coverage at Php ane.5 million among the best HMO plans on this listing
- Offers flexibility, with your ain choice of medico, specialist, or hospital
- Coverage for confinement due to emergencies and accidents and 24/7 assistance anywhere in the world
Cons: Out-patient and dental care benefits are only optional and can be availed for additional costs
7. ValuCare Individual and Family Plans
Platonic For: Married couples (peculiarly self-employed) who need toll-constructive healthcare coverage for their family
HMO Type: Comprehensive healthcare program for individuals and families
Membership Eligibility:
- Chief: 18 to lx years old
- Dependents:
- Legal spouse from xviii to 60 years old
- Children/Siblings: from ninety days one-time to twenty years onetime
- Parents beneath lx years sometime
Price Range:
- Quarterly: Php 2,186 to Php vii,203
- Semi-annual: Php iv,137 to Php 13,634
- Almanac: Php 7,806 to Php 25,725
*Without access to major hospitals
*With access to major hospitals
Benefits:
- Preventive care (immunizations, almanac physical examination, etc.)
- Out-patient intendance (unlimited consultations, treatments, laboratory tests, diagnostic procedures, 10 prenatal or postnatal consultations with accredited obstetricians, etc.)
- In-patient care (hospital confinement, ICU/CCU solitude, operating room and recovery room, professional person fees, blood transfusions, etc.)
- Emergency care (doctor and hospital services, oxygen, IV fluids, laboratory and diagnostic tests, 100% professional fee reimbursement and eighty% hospitalization reimbursement in not-accredited hospitals, etc.)
- Coverage for pre-existing weather just after the first year of membership (no coverage for dreaded diseases such as stroke, cancer, diabetes, bronchitis, etc.)
- Medical procedures (dialysis, angioplasty, CT scan, chemotherapy, etc.)
- Dental care (unlimited consultations, annual oral prophylaxis, temporary fillings, uncomplicated tooth extraction, annual dental test, etc.)
- Financial assistance ranging from Php 5,000 to Php 20,000 in instance of principal's death or dismemberment
- Motor vehicular accident insurance
- Ambulance service
Pros:
- Comprehensive healthcare coverage at relatively cheaper rates than most HMOs
- Coverage limit is on per-illness basis instead of total availment per year
- May conduct simple laboratory tests such as urinalysis, fecalysis, and blood test at the member's dwelling house (Metro Manila only)
Cons:
- Coverage priority for dependents based on hierarchy (parents start for single principals; legal spouse first for married principals)
- No access to Asian Hospital and Medical Center (one of the major hospitals in the Philippines)
- Requires PhilHealth membership
8. PhilCare Health360
Ideal For: Young, starting families of freelancers and self-employed Filipinos
HMO Type: Comprehensive healthcare program for individuals and families
Membership Eligibility: 6 months to 60 years quondam
Price Range:
- Quarterly: Php 2,201 to Php 16,606
- Semi-annual: Php iv,281 to Php 32,306
- Annual: Php viii,002 to Php sixty,385
Benefits:
- Out-patient care at PhilCare-owned clinics and over 400 accredited clinics
- In-patient care at over 500 hospitals nationwide, including major hospitals
- Emergency care (with 100% hospitalization and professional fee reimbursement at non-accredited hospitals)
- Annual physical exam
- Ambulance service
- Special modalities of treatment and diagnostic procedures (MRI, sleep written report, etc.)
- Php 100,000 term life insurance
- Php 100,000 adventitious death and dismemberment benefits
Pros:
- High annual benefit limit ranging from Php 100,000 to Php 500,000
- 100% emergency care reimbursement for hospital bills and doctor's services at non-accredited facilities
Cons:
- Dental care services are optional benefits only at an additional fee
- Charges PhilHealth fees (Php 2,688 annually, Php ane,439 semi-annually, or Php 740 quarterly)
Consummate List of HMO Providers in the Philippines
Presently, 30 HMOs in the Philippines are licensed by the Insurance Commission .
Some of them cater to individuals such as freelancers and self-employed professionals, while others serve only corporate accounts.
Hither is the full listing of authorized HMO companies for the license year 2017-2019 (in alphabetical order).
1. Asalus Corporation (Intellicare)
Hotlines: (02) 789-4000 | (02) 902-3400
Intellicare (formerly Asalus Corporation) serve only corporate accounts and small and medium enterprises (SMEs). It doesn't offer individual HMO plans nonetheless.
2. Asiancare Health Systems, Inc.
Contact Information:
- Hotlines: (02) 519-8751 | (02) 925-5298
- Mobile: (0917) 531-5008 | (0918) 951-9576
- Email: info@asiancare.ph
Catering to individuals, families, SMEs, and corporations, Asiancare has only two accredited healthcare providers: Abella Midway Hospital in Bukidnon and Accumed Diagnostic Center in Pampanga.
However, the HMO reimburses costs of emergency care in non-accredited medical facilities.
iii. Avega Managed Care, Inc.
Contact Information:
- Hotlines: (02) 902-3430 | (02) 789-4030
- Email: info@AVEGA.com.ph
Avega's HMO plans are for corporate accounts only. It doesn't offer HMO plans for individuals and families.
4. CareHealth Plus Systems International, Inc.
Contact Information:
- 24/7 hotline: (02) 208-4611
- Phone: (02) 247-1878 | (02) 521-8752
- Mobile: (0977) 804-2137 | (0925) 652-1927
- Email: carehealthplus@gmail.com
HMO Rate: Starts at Php 1,807 monthly
For individuals and families, CareHealth Plus offers two plans: the ValuePlus and OptimumCare healthcare programs. ValuePlus is the affordable bundle with a two-twelvemonth payment period. OptimumCare has a more comprehensive coverage with a five-year payment period.
v. Carewell Health Systems, Inc.
Contact Data:
- Hotlines: (02) 355-5771 | (02) 434-4868 | (02) 935-1237 | (02) 871-5586
- Mobile: (0917) 538-7499 | (0998) 988-4692 | (0925) 720-4819
HMO Rate: Starts at Php 555 monthly
The Carewell wellness bill of fare tin can be used for unlimited consultations, preventive healthcare, and emergency care, amid other HMO benefits in accredited hospitals and clinics.
vi. Caritas Health Shield, Inc.
Contact Information:
- 24/7 hotline: (02) 868-7000
- Trunkline: (02) 635-7100
- Mobile: (0917) 873-3882 | (0917) 310-3327 | (0917) 508-1023 | (0998) 579-5518 | (0922) 897-8635 | (0922) 897-8680
- E-mail: memb_rels@caritasshield.com.ph
HMO Rate: Starts at Php 5,390 quarterly
Caritas Health Shield has one of the about extensive medical networks in the Philippines, with over 15,300 accredited doctors and dentists, and around 700 healthcare facilities nationwide.
7. Cooperative Wellness Management Federation (CHMF)
Contact Data:
- Hotlines: (02) 899-7663 | (02) 899-7667 | (02) 931-0387 | (02) 283-2321
- Toll-free: 180010-9310387
- Mobile: (0917) 506-7809 | (0998) 966-8501 | (0943) 132-7628
CHMF or Ane Coop Health is the first cooperative HMO in the Philippines. CHMF offers low-toll medical services to cooperatives, federations, and NGOs with cooperative-related programs. It serves individual members of its member-cooperatives.
8. Dynamic Intendance Corporation (DCC)
Contact Information:
- Hotlines: (049) 576-0915 | (049) 576-0913
- Mobile: (0927) 391-4023 | (0939) 891-0315 | (0932) 879-8747 to 49
- Electronic mail: info@dynamiccare.com.ph
Based in Sta. Rosa City, Laguna, Dynamic Care serves the Calabarzon region (Cavite, Laguna, Batangas, Rizal, and Quezon). Its accredited healthcare facilities are located in Cavite. DCC provides HMO plans to individuals, families, and corporate accounts.
nine. EastWest Healthcare, Inc.
Contact Information:
- Hotlines: (02) 556-7885 | (02) 751-3004 | (02) 751-3005
- Mobile: (0917) 839-4979 | (0998) 964-9678 | (0932) 883-8454
HMO Rate: Starts at Php 720 annually
Established in 2006, EastWest has thirteen,000 doctors and over one,000 medical facilities in its network nationwide.
Its Infinity Wellness Advantage plan provides extensive healthcare services for individuals and families. The HMO package covers pre-existing conditions, emergency care, out-patient and in-patient intendance, hospital income benefit, and life insurance.
10. Fortune Medicare, Inc.
Contact Information:
- 24/7 hotlines: (02) 857-5499 | one-800-ten-633-8888
- Telephone: (02) 857-5400
HMO Charge per unit: Starts at Php 250 annually
This HMO is better known as FortuneCare, one of the pioneers in the HMO industry established in 1985. Its network of 9,000 medical specialists and 400 healthcare facilities in the Philippines serve the needs of individuals, families, and corporate entities.
11. Getwell Health Systems, Inc.
Contact Information:
- 24/7 hotline: (02) 644-2580
- Trunkline: (02) 913-8893 | (02) 912-4196 | (02) 912-4132
- Mobile: (0916) 260-6241 | (0917) 526-0465 | (0929) 161-9274 | (0946) 133-9790 | (0932) 988-3252 | (0922) 388-4953
- Email: getwell_adm@yahoo.com | getwell_availments@yahoo.com
Getwell membership is exclusive to private companies, every bit it doesn't offer HMO plans to individuals similar freelancers and self-employed Filipinos.
12. Health Intendance & Development Corporation of the Philippines (HC&D)
Trunklines: (02) 801-30141 | (02) 874-8515 local 134/163/559/560
A licensed HMO based in Pamplona, Las Piñas Urban center, HC&D was founded in 1980 to provide HMO plans to individuals, families, students, and employees at budget-friendly costs.
xiii. Health Maintenance, Inc. (HMI)
Contact Information:
- 24/seven mobile: (0917) 811-1313 | (0917) 812-8806 | (0917) 811-1653 | (0917) 821-3266 | (0920) 286-1102 | (0922) 343-0575 | (0933) 352-0346
- Trunklines: (02) 865-3728 | (02) 811-1313 local 451/453/455/456
- Mobile: (0917) 853-3705 | (0998) 964-9792 | (0943) 136-5772 | (0943) 136-5773
HMO Charge per unit: Starts at Php 1,810 monthly
HMI is the kickoff HMO in the Philippines, founded in 1981. Membership is open to individuals at least three months up to 59 years onetime.
14. Health Plan Philippines, Inc. (HPPI)
Contact Data:
- 24/7 hotlines: (02) 984-5065 | (0917) 826-9693 | (0922) 808-9897 | (0922) 809-0010
- Trunklines: (02) 477-4758 to 60
- Mobile: (0917) 879-6031
HPPI is one of the more technologically avant-garde in the country, with its own mobile app for finding accredited healthcare providers. However, this HMO is available merely to employees.
15. IMS Wellth Care, Inc. (IWC)
Contact Data:
- 24/7 hotline: (02) 528-0480 | (02) 525-3129
- Mobile: (0917) 851-8645 | (0922) 822-1033 to 35
HMO Rates:
- Prepaid health menu: Php 100 annually
- Comprehensive healthcare program: Starts at US$ xxx (approximately Php 1,617) monthly
IWC caters by and large to overseas Filipino workers (OFWs) and their families. Its network includes viii,000 medical specialists from over 400 facilities nationwide.
16. Insular Wellness Care, Inc.
Contact Information:
- 24/7 cost-free hotline: 1-800-10-8177857
- Helpdesk: (02) 813-0131 local 0 | (02) 813-0132 to 36
HMO Charge per unit: Starts at Php 12,137 quarterly
Founded in 1991, this HMO is a subsidiary of The Insular Life Assurance Company, a leading life insurance provider in the Philippines. Membership is open to individuals xviii to 59 years onetime.
17. Kaiser International Healthgroup, Inc.
Contact Information:
- Telephone: (02) 845-0888 | (02) 845-2888 | (02) 845-3888 | (02) 504-8811 | (02) 504 8812 | (02) 504 8814 | (032) 318-9828 | (032) 318-8671 | (032) 318-0880
- Mobile: (0917) 564-2398 | (0917) 564-1498 | (0917) 564-1598 | (0998) 959-1088 | (0998) 973-0188 | (0925) 301-9888 | (0925) 305-3888 | (0925) 302-9888 | (0925) 303-7888 | (0925) 303-9888
HMO Rate: Starts at Php ten,098 annually + Php 300 i-fourth dimension membership fee
Kaiser differentiates itself from other HMO companies in the Philippines through long-term healthcare services beyond its members' employment and retirement years. It caters to private, family, group, and corporate accounts.
18. Life & Health HMP, Inc.
Contact Information:
- Telephone: (032) 384-1174 | (032) 255-0035 | (032) 254-6729
- Email: info@lifeandhealthhmp.com
This Cebu-based HMO offers healthcare services only to employees and their dependents in the Philippines.
nineteen. Marzan Health Care, Inc. (MHC)
Telephone: (02) 434-2583
Based in Quezon City, MHC is an HMO provider with diagnostic and ambulatory services.
xx. Maxicare Healthcare Corporation
Contact Data:
- 24/7 customer care hotline: (02) 582-1900 | (02) 798-7777
- Product research hotline: (02) 798-7770
- Electronic mail: customercare@maxicare.com.ph
HMO Rates:
- Prepaid health card: Starts at Php 549 annually
- Individual and family health plan: Starts at Php 14,390 annually
Built in 1987, Maxicare is a leading HMO in the Philippines with a network of 56,000+ doctors and specialists, 1,000+ medical facilities, and over one million members consisting of individuals, families, SMEs, and corporate entities.
21. MediCard Philippines, Inc.
Contact Information:
- Hotline: (02) 884-9999
- Price-free hotline: 1-800-1-888-9001
- Email: inquiry@medicardphils.com
HMO Rates:
- Prepaid health card: Starts at Php 500 annually
- Individual/Family health plan: Starts at Php x,739 annually
MediCard is an industry pioneer and one of the superlative HMO companies in the Philippines. It has almost half a million members, over 8,000 accredited medical specialists, and over 300 healthcare facilities nationwide.
Membership is open to employed and self-employed individuals. You tin can cull from its wide multifariousness of plans to suit your healthcare needs, be it unlimited checkups or a more comprehensive HMO package.
22. Medicare Plus, Inc.
Contact Information:
- 24/7 hotlines: (0917) 883-4111 | (0917) 805-0764
- Trunklines: (02) 815-3049 | (032) 254-2567 | (082) 305-1057
- Mobile: (0917) 867-4349 (Client Service) | (0927) 293-6742 / (0905) 488-4290 (Sales)
- Electronic mail: customerservice@medicareplus.com.ph
HMO Rates:
- Prepaid health carte du jour: Starts at Php 750 annually
- Individual/Family unit wellness plan: Starts at Php 11,541 annually
Medicare offers HMO plans to individuals, families, and companies in the Philippines, with over fifteen,000 accredited doctors and dentists plus 1,000 medical facilities nationwide.
23. MEDOCare Wellness Systems, Inc.
Contact Information:
- Telephone: (02) 628-9044 | (02) 628-9000 | 1-800-10-MDOCARE
- Mobile: (0915) 488-2518
MEDOCare's network consists of over 10,000 doctors and over 1,000 hospitals and clinics in the Philippines. Information technology offers healthcare programs for individuals and families.
24. Metrocare Health Systems, Inc.
Phone: (02) 519-4427 | (049) 508-6064
Based in Cabuyao, Laguna, Metrocare has no website and social media accounts, but information technology'south an Insurance Commission-accredited HMO.
25. Optimum Medical and Healthcare Services, Inc.
Telephone: (02) 215-5430 | (02) 729-7968
This HMO is accredited at hospitals similar Cardinal Santos Medical Center, De La Salle Academy Medical Center, and Mary Johnston Hospital.
26. Pacific Cantankerous Health Care, Inc. (Blue Cross Health Intendance, Inc.)
Contact Information:
- 24/vii hotline: (02) 230-8511
- E-mail: info@pacificcross.com.ph | medical_sales@pacificcross.com.ph
HMO Rate: Starts at Php 4,482 annually
Formerly Blue Cross, Pacific Cantankerous is a medical, travel, and accident insurance provider in the Philippines and Association of southeast asian nations. Its medical benefits tin can exist availed not simply locally but also overseas. The HMO also has special healthcare plans for OFWs and senior citizens.
27. Philhealth Care, Inc. (PhilCare)
Contact Information:
Telephone: (02) 802-7333 local loc 19216 or 19224 | (02) 462-1800
Electronic mail: gild@philcare.com.ph
HMO Rates:
- Prepaid wellness bill of fare: Starts at Php 499 annually
- Comprehensive health plan: Starts at Php eight,002 annually
Despite the about identical names, Philhealth Care or PhilCare is dissimilar from PhilHealth . The former is an HMO, while the latter is the government-run health insurance provider.
Founded in 1982, PhilCare has a network of over 30,000 doctors, 1,400 healthcare facilities, and 300,000 members nationwide. Its primary HMO products include individual comprehensive health programs, corporate health plans, and prepaid health cards.
28. Stotsenberg Healthcare Organization, Inc.
Telephone: (045) 499-4339
Stotsenberg Healthcare System is a licensed HMO company in Angeles Urban center, Pampanga.
29. Transnational Medical & Diagnostic Heart, Inc. (TDMC)
Contact Information:
- Telephone: (02) 908-4998 | (033) 320-8936
- E-mail: admin@tmdc.ph
Since 1989, TDMC has been providing comprehensive HMO programs, illness prevention, and diagnostics services to OFWs.
30. Value Care Health Systems, Inc. (ValuCare)
Contact Information:
- 24/7 hotlines: (0917) vii-WECARE | (02) 687-3219 | (02) 317-4310 / (02) 702-3310
- Mobile: (0917) 886-2892 | (0925) 610-0301
- Trunkline: (02) 702-3388 / (02) 317-4388
- Toll-free hotlines: one-800-1-888-1568 | 1-800-1-888-7345
- E-mail: wecare@valuecarehealth.com
HMO Charge per unit: Starts at Php vii,806 annually + Php 250 1-fourth dimension processing fee
ValuCare has been providing HMO programs to individuals, families, and employees since 1997. Its network consists of over 20,000 physicians and dentists every bit well every bit 1,300 hospitals and clinics.
How to Find the All-time HMO in the Philippines?
Overwhelmed with the vast range of HMO options in the Philippines?
Choosing the correct HMO can become very complicated. Every bit a Time article notes, a study institute that eight in every 10 workers picked healthcare plans that were more than expensive than their alternatives over time.
Nobody likes to be in a similar situation. Y'all don't desire to end upwards regretting your decision and request your HMO provider for a cancellation and refund, which could cost you more.
Then while you haven't picked 1 yet, take your time researching and comparison your options.
5 Cardinal Considerations When Choosing an HMO Provider
Before you review dissimilar healthcare packages, it helps to accept a clear idea of the things that matter to you.
HMO companies vary in their costs, coverage, and accredited medical facilities. These will be amid the factors you'll wait for when assessing HMOs to trim down your choices. This manner, choosing an HMO is easier and less overwhelming.
Consider these five factors when shopping effectually for HMO packages:
1. Fiscal Stability
It's risky to deal with an HMO company that you aren't sure would still exist by the time you need to claim your benefits.
Consider only HMOs that are financially stable, which guarantees payment for your healthcare expenses. Check the Insurance Commission's website to notice licensed HMOs that have fully complied with its standards.
Y'all may as well cheque an HMO's financial performance on its website, usually on the About Usa or FAQ page. Some HMOs provide their figures, such as paid-upwardly capital and net worth, which betoken a company's fiscal health.
An HMO's years of operation also signifies its fiscal health. Among the HMO providers that have been operating in the Philippines for the longest time are HMI, PhilCare, Maxicare, MediCard, and Insular Wellness Care.
2. Cost of Premium
While information technology's important to selection an HMO product y'all can beget, the cheapest one isn't necessarily the all-time for you. The priciest plan your budget allows may not be a applied pick, either.
Usually, the lowest-priced products come with a limited coverage. On the other hand, the expensive ones may have likewise many benefits that you don't need.
So, how do you lot strike a balance betwixt HMO cost and benefits?
When choosing an HMO plan, gear up your budget range first, request quotes from different providers, and shortlist products within your upkeep. Then expect at the benefits of your shortlisted HMO plans.
Find one that offers all the benefits you need at the lowest toll.
To lower your HMO cost, ask the provider if y'all can customize your package to remove whatsoever riders or add-ons that you lot don't need or are already included in your existing life insurance policy.
3. Your Healthcare Needs
A value-for-coin HMO plan meets all your healthcare needs without eating upwards a bulk of your upkeep.
Here'due south a listing of HMO coverage considerations to aid y'all decide which benefits you need or don't:
- Access to the five major hospitals in the Philippines (Asian Hospital and Medical Heart, Fundamental Santos Medical Heart, Makati Medical Center, St. Luke'due south Medical Center, and The Medical City)
- Access to Healthway, FortMED, and other clinics
- Coverage for pre-existing weather (PEC) such as diabetes, cancer, and hypertension
- Diagnostic and laboratory tests
- Dental care
- Maternity intendance
- Coverage for dependents and the maximum number of dependents you tin enroll
- Integration with PhilHealth benefits
- Reimbursement for services availed from a non-accredited md or clinic
- Accidental decease and dismemberment insurance
Your called HMO benefits bear on the price of your plan.
For example, PEC coverage and access to major hospitals can button the rate upwardly. So select carefully the ones you actually need.
4. Network Size and Location of Accredited Facilities
Especially if you accept preferred doctors, clinics, and hospitals, they must be office of your HMO provider'southward network.
If your favorite doc, for example, isn't among your HMO's accredited specialists, y'all'll take to pay out of your pocket and have the corporeality reimbursed later on (if the HMO allows this).
Y'all don't become an HMO just to exist hassled similar this.
That's why your HMO has to accept a wide network of medical professionals and facilities in the Philippines.
Here are the HMO providers with the widest network of medical specialists and facilities:
- PhilCare
- ValuCare
- Maxicare
- EastWest Healthcare
- Medicare
- MEDOCare
The location of an HMO's accredited specialists and facilities matters, too. During a medical emergency, you tin can chop-chop and conveniently avail of HMO benefits at the nearest accredited clinic or hospital.
Check the website of the medical facility with a branch most your home to see its list of accredited HMO providers.
v. Quality of Customer Service
Do several HMO companies tick all the boxes already? The clincher would be the quality of their service.
An HMO's attractive rates, useful coverage, and broad network will amount to nothing if its customer service sucks.
Ask your family and friends for feedback on their HMO provider.
Check online reviews, too. The best places to get customer feedback are the HMO'southward Facebook folio, also as online forums and Facebook groups of Filipino freelancers.
Consider too your interactions with each HMO during your research. How long did it have for an HMO to respond to you? Did it adequately answer your questions?
Take note of all the pros and cons of each HMO in your shortlist based on the feedback you lot've gathered.
At this indicate, y'all should be able to choose the perfect HMO provider.
4 Factors to consider in an HMO Plan
Much like getting a life insurance programme or picking the right type of investment for your current and future lifestyle, choosing an HMO requires your due diligence to ensure you lot're getting the best i for your needs.
Here are some of the things you should consider in an HMO plan.
Price
Some plans make up one's mind the premium on several things: historic period, gender, physical condition, if y'all take existing or known ailments, family history, lab results, and more. Pricing varies heavily from one person to the side by side and then getting that initial quote could be helpful in getting a quick estimate of how much you can end up paying.
Then there are HMO plans that come with fixed benefits and features so for these types of plans, pricing volition be determined by the corporeality of coverage and services offered.
These are easier to shop effectually for (since you can easily compare prices and features) so effort to expect at several plans that feature similar cost points and benefits for a more reliable comparative analysis.
Coverage
This refers to the actual benefits yous'll get from the HMO programme of your choice. Ask yourself, "What exactly practise I need/want from my HMO?".
For example, some people desire a simple and affordable HMO program for roofing accidents or emergency services just, while some may want a more than comprehensive plan which includes full hospitalization services and treatment.
Exclusions
This refers to situations wherein the HMO benefits will not be provided if certain exclusion criteria are met.
For example, some HMO coverage may non include pre-existing weather condition or specific dreaded diseases, and then improve cheque with the HMO provider to make sure you'll get the benefits you lot specifically need from the service.
Network of hospitals and doctors
Some HMO plans but piece of work with certain clinics and hospitals and so better bank check with the provider if the hospital/clinic of your pick is included.
More comprehensive (and expensive) plans characteristic a wider network which would likely include top-rated medical institutions at the expense of a pricier plan.
It may be possible to receive medical intendance and coverage outside of your HMO'south network (under special circumstances or understanding) but to be sure, double-cheque with the provider to avert potential problems.
How to apply for an HMO in the Philippines?
The steps for applying for an HMO plan will vary from one company to the next.
Earlier you really utilize for one, however, it's a good idea to conduct a general cess start of your needs and upkeep then you can make a better decision and make the near out of your programme.
Step 1: Make up one's mind the right HMO program for your needs
You should showtime by because the services that you lot'll most likely need/want from an HMO. Do y'all demand a plan that provides comprehensive benefits which includes full hospitalization assistance and check-ups?
Peradventure yous prefer something more affordable specifically meant for certain situations or emergency services only?
The good news is in that location are enough of HMO options right at present that cater to diverse needs and so deciding which ane is the all-time will mainly brainstorm with an assessment of your personal needs/must-haves from an HMO plan.
Step 2: Research and compare plans
Narrow down your option past making a shortlist of the best HMO packages that align with what yous're looking for. From there, compare prices, features, benefits, hospital/clinic network, and exclusions list.
Step three: Consummate the application process
The concluding step is to actually submit an application for an HMO programme. Most companies nowadays allow yous employ via their website. Notation, however, that some may require you to complete a medical exam/lab test and submit personal wellness data so be set simply in case.
Read the fine print and ask questions to their representative to make certain all your expectations will be met or clarified.
How to Maximize Your HMO Benefits
Getting the most out of your healthcare program doesn't simply starting time and stop with choosing the all-time HMO. You can stretch out your HMO benefits further without increasing your premium.
Here are six ways to do that:
i. Be a PhilHealth fellow member
Existence an active PhilHealth member lowers your hospital bills because your Philhealth benefits are deducted first before the HMO pays for the remaining costs.
If yous're already a member, update your membership into a self-earning private member. Continue paying your PhilHealth contributions, too.
Too Read: Consummate Guide to Philhealth: Online Registration, Contribution & Benefits
ii. Avail of benefits at HMO-endemic clinics
Having your check-ups and treatments at expensive clinics or hospitals tin can quickly deplete your HMO programme'southward benefit limit. There may exist nothing left for you should a real emergency happen.
For your simple and minor medical needs, information technology's cheaper to go to a chief intendance clinic owned by your HMO provider than other out-patient facilities in the Philippines.
Bated from lower out-patient intendance rates, HMO-owned clinics like those of MediCard and PhilCare offer complimentary consultations for members.
Typically, primary intendance clinics provide these services:
- Consultations with chief care doctors (OB-gyne, pediatricians, family medicine, internal medicine, etc.)
- Uncomplicated laboratory tests (X-ray, urinalysis, fecalysis, blood test, ultrasound, etc.)
- Annual concrete exam
3. Avoid emergency room consultations
A consultation in an ER is convenient, equally information technology's available beyond regular clinic hours and normally has shorter lines.
However, it can cost you upwards to 5 times higher than a regular clinic.
Except for medical emergencies, you're better off having consultations in a regular dispensary to avoid reaching your HMO's do good limit so soon.
4. Maximize your consultations and almanac concrete exams
In HMO, prevention is meliorate—and less costly—than cure.
If your HMO plan includes unlimited consultations and an annual concrete exam, take reward of these benefits for early illness detection and prevention.
Doing so helps you save money on expensive medical procedures.
5. Pay your premium on fourth dimension
Failure to pay your premium may lead to cancellation of your HMO plan.
Not but does it waste the premium you've previously paid; it may also put your finances at chance when you or a family member needs to be hospitalized.
And so exist sure to make timely premium payments and check your payment records with your HMO provider from time to time.
half dozen. Review your HMO coverage before renewal
Before your HMO program expires, review your provider'due south coverage thoroughly.
HMO providers normally change their coverage, offerings, terms, and premium every twelvemonth.
Also, your own healthcare needs might change. Take them into account when deciding whether to renew your HMO plan, upgrade information technology, or switch to some other HMO.
No affair how diligent yous are in earning and saving money, all your hard work will go down the drain if you don't prepare financially for any medical emergency.
An HMO plan is an affordable way to practice that.
Got any experience with an HMO provider? Anything missing on the listing of the best HMO plans? Share your comments below!
List of HMO Accredited Hospitals in the Philippines [Table]
| LIST OF HMO ACCREDITED HOSPITALS IN THE PHILIPPINES | |
| CITIES | HOSPITALS |
| Caloocan | MCU Infirmary Due north Caloocan Doctors Hospital Our Lady of Grace Hospital Martinez Memorial Hospital |
| Las Pinas | A. Zarate General Hospital Hi Precision Branches Las Pinas Doctors Hospital Perpetual Help Medical Centre |
| Makati | Family Intendance Diagnostics Makati Medical Center St. Clares Medical Heart Hi Precision |
| Mandaluyong | VRP Medical Eye Friendly Care Foundation Nephro Systems Dialysis Manila Hearing Assist |
| Manila | Manila Doctors Hospital Qualimed PGH Metropolitan Medical Centre Medical Center Manila-Manilamed Mary Johnston Hospital UST Infirmary |
| Marikina | Marikina Valley Medical Heart SDS Medical Center St. Anthony Medical Heart of Marikina |
| Muntinlupa | Medical Center Muntinlupa Alabang Medical Center |
| Paranaque | Paranaque Doctors Infirmary Medical Heart Paranaque The Premier Medical Center Southward State highway Medical Center Unihealth Paranaque Hospital and Medical Eye |
| Pasig | Pasig Doctors Hospital The Medical Urban center |
| Quezon Urban center | ACE Diagnostics Accu Med Bernardino Full general Hospital Capitol Medical Center De Los Santos Medical Centre Diliman Doctors Hospital Fairview General Hospital Family unit Care FEU Hospital How-do-you-do Precision Manila Hearing Aid Lung Heart of the Philippines Novagen St. Luke's Medical Middle UDMC UERM Earth City Medical Center |
| San Juan | Cardinal Santos Medical Center |
| Taguig | Hi Precision Diagnostics St. Luke's Medical Center (BGC) |
| Valenzuela | Fatima Medical Heart Hi Precision Centrolineal Care Experts Medical Eye |
| Cebu | Cebu Doctors Academy Hospital Chong Hua Hospital |
Source: https://grit.ph/hmo/
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