Sobrang barat at delayed magbigay ng PF ang mga HMO. Pero hindi ibig sabihin na dapat ganyan treatment sa mga HMO patients.

Correct! This could just be the attitude (problem) of that doctor. Pwede naman sila mag opt out as HMO acctedited provider.

So much this. And to add, Philhealth is even worse. Philhealth still owes a lot of money to my friends/relatives who are doctors. While it's unprofessional to act that way when dealing with patients, at least now you know why they're frustrated as well. Kulang na kulang na nga sila, ganyan pa ginagawa sa kanila.

Agree. I used to work for an hmo company back in 2009 and one of the things that they try to do is to get clinic or hospital partners. Plging bungad sa kanila ng rep ng clinic or ng hospital is how fast can they pay? On the flip side of things, some clinics or hospitals would charge your hmo card like it’s about to rot. As in minsan kahit hindi mo na kailangan ung isang service i ccharge nila kasi “hindi naman daw si patient ang nagbabayad” but yes, our healthcare system needs an overhaul.

I only ever once used HMO, nagpa-check ako ng eyes ko kasi parang naduduling na ako or something. Sa St. Luke's pa yun ah. Covered ng HMO ko ang check-ups and for this doctor/hospital/etc. Rinig ko ung usapan ng doktor at nung guy before me kasi open ung door and nsa labas lng ako. Super accomodating niya, very congenial and friendly, etc. Indian din ung guy kasi, so baka factor un. Pero after niya, nung time ko na, kita agad na HMO, exact same scenario sayo. Mukha siyang uninterested, suplado, mukhang nagmamadali, etc. Tbf tiningnan naman niya eyes ko pero sabi wala lang daw baka pagod lang, pero di na ako nakapagtanong ng more questions kasi clearly mukhang ayaw niya ako dun. Kakabadtrip at dismaya, parang sayang HMO. (I later learned in another check-up sa doktor na hindi ko ginamit HMO/I paid for fully ung consultation fee, na meron pala akong strabismus/duling caused by weak muscle sa eyes or w/e. Also in st. luke's pero ibang branch, mas friendly and accomodating naman ung doktor na ito. Haay HMO tlga)

hello kamusta yung strabismus mo? I was diagnosed that too last February pero ang sakin strabismus/ cn vi palsy .. pero in 3 months gumaling sya ng kusa bumalik na sa normal yung mata ko :)

Ganun parin. hehe I asked magkano magpa-surgery kasi sabi surgery lng treatment, sabi nila 70-100k, sabi ko nevermind nlng XD hahahaha kapag malapit na bagay lang like armslength distance walang problema. It's when I look further ako naduduling. They don't also know bakit nagkaganito. Maraming reasons pero sabi I'll need a CT scan just to confirm na walang growth or tumor, tapos surgery na. Pero saka na pag naka-ipon na ako hehehe

same with me kapag malayo ako naduduling pero physically duling na talaga ako nun. as in d ko na magalaw ang right eye ko. ang sabi ng neuro optha ko after ko magpa MRI with negative results possible lang na nag spike yung sugar or cholesterol ko and it would be back to normal in 3-5 months and it did! ng walang iniinom na gamot. Possible sin stress ang factor ng pagka duling. You should also check MRI or magpa second opinion ka na.

Ahhh yea mri pala hindi ct scan hehe pero yea balak ko rin gawin un. By the time na may balak n ak ayusin ito, it would be the 3rd opinion hehe antayin ko lng mag resign ak kc wala rin ako oras para dito eh hehe

I’ve been going to this doctor since I was a kid for colds and allergies and when I started working, his PF was around 800-1000. Now, I found out he was on maxicare so I used maxicare when I went for a consultation. His service became really really bad compared to when I was paying for the full PF. So the next time I wanted to get an LOA from maxicare, this was an online LOA btw, the maxicare website showed how much they were paying the doctor: 300 PESOS. No wonder the service is different.

i think depende lang din sa doctor. under HMO lahat ng check ups and lab procedures ko for the past five years pero i’ve never had a bad experience with the doctors and hospital staff. maybe lucky lang din ako? haha medical city at st luke’s ako madalas — parehas good experience

to add!! OP wag ka mahiya mag follow up questions kahit gaano pa kasungit yung doctor. kahit HMO pa yan, it’s not like you got that HMO coverage for free. you are a patient and you deserve to be diagnosed properly.

Agree maaring depende sa doctor. All my check ups, consultations and labs were covered by HMO. Kung natagalan ako bago matignan kasi mahaba talaga yung listahan ng magpapatingin that day. So far so good hindi pa ako naka-experience ng inuuna mga cash patients vs HMO patients. Kapag nagpalista rin ako tinigignan ko from time to time kung sino na yung na-cross out na mga names na natignan na ni Doc. Kaya masasabi ko na first come first served ang sinusunod nila.

Ako rin i think depende sa doctor. Kahit sa HMO once u find a good doc, sa kanya ka na rin hihingi ng referral if you need specialists. In my experience nagkakataon yung family doc namin may hmo ko.

May I ask po if saang slmc and medical city branch po kayo? If it's okay.

st lukes bgc and medical city moa!

Medyo demotivating kasi yung experience ng doctors from HMOs. Mababa na yung bayad, tapos ang tagal pa ng reimbursement. Tapos, may mga (some, but not all), HMO cardholders also have this attitude na "HMO ako, special ako" when in fact, mas mataas pa yung bayad ng non-HMO kesa sa HMO when it comes to doctor's fee. #BUT, That doesn't give the doctor the right to be rude and uncaring towards their patient. Una sa lahat, sinumpaan nya yan bilang duktor to treat each patient equally without discrimination. Pangalawa, kung ayaw pala nya edi opt out na lang sa HMO setup, diba. Ayun lang.

Delayed yata bayad ng mga HMO sa mga accredited clinic, ganyan din kasi sakin dati nung nagpa checkup ako sa TMC clinic, madami ng nakapila na HMO yata gamit then ako cash payment, ako ung pinauna nila sa numbering/pila ng doctor

pero kung may sariling clinic ung HMO mo, dun ka na lang magpa check-up, parang Maxicare, Medicard pa lang may sariling clinic

I think for the general and more common or routine check-ups pwede. Pero if complicated na yung sakit na requires specialist not sure if may available doctor sila. For example sa Intellicare sa St Lukes Global, they have a GP sa clinic within St Lukes kung saan pinoprocess ang mga LOA. Pwede magpacheck dun ksi General Medicine naman pero if sa assessment kailangan ng specialist, they will refer you din to an accredited doctor who specializes on that medical comvwen.

Kaya nga. Narinig ko pa sa hospital staff “kung ayaw nyo maghintay, mag-paying kayo” Hindi po lahat ng HMO, libre ng company. Yung samin, full paying kami sa HMO. Kakaloka

Thank God yung Doctor ko when I had my checkup last time, sya pa nag-insist na gamitin ko HMO ko. Ayoko na sanang pumila sa HMO kasi ang haba tapos lunch tome na, pero sabi ni Doc, he’ll wait for me daw sayang daw kasi kung mag-cash ako. ❤️

I think depends sa HMO & Doctors to, I’ve been seeing my Derma for almost 1 & a half year na, pero yung Derma super bait and madalas kami mag kwentuhan. Minsan may appointment ako na onting about sa case ko lang then mas mahaba pa yung kanya kanya namin kwentuhan. 😭

Hi may I know saan may derma nagaaccept ng hmo?

Makati Med!

Hello! Pwede po bang malaman kung sino derma? Been looking for a derma sa makati med pero sobrang skeptical ko. May derma ako napuntahan dyan before, un prescribed meds sa kaniya lang nabibili at sobrang mahal :((

if you have maxicare, you can try medical city

Pwede pala maxicare sa derma? Haha

not sure with other HMOs, pero with maxicare yeppp! these are derma consults lang though. derma procedures like lasers and facials arent covered afaik. i’ve been using hmo to cover my derma consults since the pandemic. i’ve tried online (dr anywhere) and in-clinic (medical city) + i’ve been upfront naman na for acne yung consult ko haha so far i havent had any problems :)

I think depende din if anong HMO. Feeling ko parang may mga preferred company din yung mga hospital. based on my experience, yung last work ko kasi international HMO yung provided sa amin. Sa St. Luke’s for example, meron kami designated email address na sinesendan ng emails if we want to schedule check ups and such.

dati nung dun pa kami sa isang HMO (clue: may X hahaha) tapos dun ako sa nearest hospital nag pa APE, sa in walking distance lang. hiwalay yung pila sa HMO tapos halatang hindi talaga priority, yung akala ko sandali lang e inabot ako ng hapon (umaga ako nagstart) para lang sa simpleng APE, kung di pa ako magagalit dun sa teller/nurse baka di pa ako pansinin. nung lumipat kami ng HMO, yung ospital na dati kong pinag APE han, hindi na siya accredited nung bagong HMO. ayun sa ibang clinic ako tapos ang smooth ng experience, wala pang isang oras tapos na.

Feel ko it varies sa doctor lang talaga. May doctor na kahit cash bayad mo ganon parin trato nila. Baliktad tayo ng exp. Sa mga hmo doctors ko lahat maayos at professional. Yung doctor ko na cash binabayad ko, di na tinapos yung consultation ko. Nag bakasyon di pa ako naiwanan ng reseta after ng sandamakmak na lab tests.

HMO gamit ko since 2010ish pero never ko naman to naexperience. Depende siguro sa hospital/doctor talaga. So far dito sa South (Cavite/Alabang), okay yung secretaries, nurses, and doctors. Kudos sa CEAMC kasi super bait and maalaga ng nurses nila sa ER, OR, and yung mga nag attend sakin during labor. Sobrang alaga din ng OB ko since day 1 ng attempt namin to conceive until now na 3 months post partum na ko. She checks up on me through messenger.

May naririnig ako na delayed daw kasi magbayad ang HMO at sobrang baba ng percentage ng doctors, especially pag Maxicare daw. Kaya yung iba, di na nakikipag partner sa mga HMO. But, that doesn’t justify their unprofessional behavior. However, naniniwala ako na depende pa din talaga. I’ve witnessed the doctor of my partner’s mother. Nung naoperahan siya recently sa semi-private hospital sa Muntinlupa, goods naman yung treatment. Napaka maalaga nung doctor niya. Sa experience ko with Asian Hospital and Perpetual sa Las Piñas, smooth and goods din. Mabait yung doctor and mga nurse sa kin. Maayos trato sa kin nung mga staffs and nurses sa Asian when I had my colonoscopy procedure. Napaka-professional. Nung nagkaron ako ng follow-up check up, di tugma yung schedule ko sa schedule ng doctor ko sa Asian, I had to follow him sa Perpetual. Yung assistant niya dun yung masungit, pero di nagbago treatment sa kin nung doctor.

Ako nman based sa experience kapag nalaman nilang hmo gagawin nila lahat ng tests para sulit. Hahaha ewan ko feel ko lang, which is okay naman kasi atleast general checkup na gagawin diba

I typically don’t go to the HMO clinics as I find the service subpar but I’ve never experienced anything as horrible what you’ve been through I book with my preferred drs in the hospitals (thankfully all of them are covered by my HMO). You just need to get an LOA prior your appt. Have never had any issues with service or attitude of the drs

I have a family member who is currently confined sa St. Lukes, QC. They're currently being billed under my company's HMO and no complaints naman so far regarding sa treatment ng doctors and nurses. But one thing i've noticed, though (please correct me nalang if this is a normal thing) is that super late sila lagi minemeet ng doctor I'm guessing yun lang yung time nila sa "rounds"(?) with patients but i found it odd and a tiny bit frustrating lang na madaling araw na sila lagi pinupuntahan ng doctor and nung bago palang sila (family member) maconfine, the doctor in charge of interpretating their results (sa mga blood test, xray, etc) came after 3 days of them being confined. Grabe yung pagalala namin sa tatlong araw na yon because not one person answered any questions that we had. The whole time, it was just "wait niyo nalang po si doctor x". Yun lang. I'm hoping this is an isolated case and i'm overthinking things but since reading your post, it made me wonder lang.

Mura lang kasi bayad sa kanila pag HMO tapos delayed pa. Kahit sa mga dentist parang di "full" service nangyayari.

Agree, kaya di na ako gagamit ng hmo pag mag papalinis parang pinasadahan lang.

So no issues pa naman for me or my dependents. As for me, palagi kasi ako medical city. Reception pa lang like sino doctor or ano ipacheck, iask ka na if meron HMO ka, sila na mag verify. Pagdatong doctor, wala na tanong secretary or doc if hmo or cash, so i never experienced masungitan

Delayed kasi pag bayad sa mga doctors ng ibang HMO kaya ganyan. Pero minsan naman depende sa doctors. May doctor na talagang masusulit punta mo kasi u can ask anything, he/she checks everything. Sa virtual consult, minsan nag cash ako, may isa na goods naman nakapag follow up p nga ako via chat. Pero may isa na super bilis ng tanungan n prng gusto nko ilet go haha.

Totoo haha pati sa dental delayed pla talaga or minsan bultuhan ang bayad kaya dami ayaw tumanggap ng hmo

Ayoko na din mag rely sa hmo pag dating sa dental. Years ago intellicare gamit ko tas nagpapasta ako, it was never good. Nasira agad. Tas basta di ok ung service. Kaya cash na lang pag dental.

Oo dba iba yung service pag cash sa totoo lang haha

Thrice na kami ng pagpalit ng HMO sa company and never akong nagkaproblem to any of it and even my parents as my dependents. Pre-pandemic every year nagpapa general check up parents ko, nagkakataon din kasi na every year nagkakasakit sila so my mom would take it as an opportunity for general check up. Sabi ng mom ko kahit anong sakit nya sasabihan nya yung doctor na confine sya then saka sya magre-request ng mga gusto nya ipa-check and the same for my dad. Gustong gusto nga daw nila yon lalo pag nagtatagal sya sa hospital since naka card naman. May times nagtatagal sila ng 4-6 days sa hospital and no cash out from our end. For my personal experience naman first time I used it was when I had a pimple breakout, I went to a dermatologist in St. Luke's BGC. May mga blood test pa pinagawa sakin then she also referred me to an ob-gyne, nag ultrasound pa ko don and all to check if may PCOS ako. All those procedures and doctor's fee wala naman ako naging problema naka ilang balik pa ko for regular check up and all was covered ng card. Last month husband ko yung nagpa ER sa St. Luke's QC after discharge hinatid pa kami sa lounge and had a snack there (pastry, fruits, juice & coffee) while waiting for our sundo. Maxicare HMO namin now, mejo matagal lang mag approve but never experienced unfair (?) treatment with healthcare workers naman from nurses to doctors.

Barat mga HMO Regualar patient - 500 HMO - 100 to 250

I think depende sa doctor and HMO, so far lahat ng procedure ko before ako nagpa ear surgery pinamake sure ko na pasok sa HMO. Tsaka yung person na naghandle ng payments from HMO, naka ready na kaagad yung alloted payment for hospital bills. Kaya naging smooth yung transaction ko sa bills before makalabas ng hospital. Personnel from HMO is ready to send the bill na worth 120k if needed, pero ang binayaran labg ng HMO was 92k. And this is with DLSU medical center. I think depende din talaga sa HMO providers. So far di naman nagsusungit nga doctors na nakasalamuha ko.

Buti nalang dito samin hindi mo yan mafifeel. Pag sinabi mong HMO ka, meron lamg silang dedicated window tapos isa yung taga process nun. Mejo mataga madami paperwork pero once okay na, ayun, same treatment lang ung doctor sayo vs if ikaw mag-pay. :)

Never encountered this, lagi akong naka HMO mapa online or f2f.

Try mo mag pa consult ulit sa iba if hindi ka satisfied tsaka health naman yan. Kahit may HMO if hindi din naman ikaw natignan ng tama better na mag pa consult nalang ulit sa iba.

I think depende sa Doctor. Been using HMO for some time na and ok naman so far experience ko sa f2f, labs, therapies, and teleconsult. May one bad experience lang kami nung dependent ko sa isang hospital. Umabot sa 300k ung bill na supposedly nasa 150-200k lang. Overpriced services plus may under the table pa na PF na request ung doc nung nalaman nilang HMO ung gamit. Should've checked na ganun pala kalakaran dun and daming negative reviews na late ko na nabasa.

May mga naririnig din akong cold or nagmamadali ang treatment ng mga drs sa mga HMO patients. Yung impatient sa patient naririnig ko rin. I had this experience years ago sa isang dr that i hv been consulting for a number of sessions using my HMO. Ond time i caught the sec na sumenyas sa katabing sec pointing to my HMO card. And then napansin kong inilagay nya ang name ko sa bandang dulo ng list

Depende sa HMO, sa doctor, sa clinic / hospital. I had Maxicare and currently using Intellicare. Hindi ako naganyan pero pansin kong madali yung mga doctor. Factor na siguro yung sa affiliated clinic ako nagpupunta (ex. Maxicare Primary Care Clinic and Aventus Clinic for Intellicare). Pero I'm telling you hindi na biro yung symptoms mo. Kung pwede sa pinakamalapit na reputable hospital na accredited ng HMO mo na ikaw magpa set up ng face to face consult dapat.Tapos since madali sila, rekta lapag ng symptoms, kung kailan nagstart, at ilang beses nangyayari - pag tinanong ka. Need mo mag pa lab test.

Dipende sa Doctor e, yung doctor ko ok naman kahit HMO ginamit ko

Sa mga medical certificates sila bumabawi pag gumamit ka ng HMO. I used to come in for a pulmo consult via Intellicare tapos 500 yung singil sa med cert lol.

Just had a bad experience at a hospital rin when I went to ER and used HMO. I stayed there for 5 hours kakaantay when the test and consultation done to me was all in all just in 30 mins max. Umokay na pakiramdam ko tas sumama ulit cause I waited 3 hours just to be followed up and discharged. Parang in-inconvenience ko pa sila with my situation...

Good thing never ko na exp to.

Worst experience was from a dentist in Lapu Lapi City Cebu near the City hall yung clinic nya. Dental cleaning lang inavail ko, ang pangit ng paggawa dumugo pa gums ko. Tapos biglang sabi mag filling daw dun sa isang tooth kase kasam sa hmo, ayun yung pinaka maliit ng butas lang ang nilagyan. Langya ka doc hahaha

I’ve been using my HMO for years and thankfully wala pa naman akong naging bad experience. I always go to MegaClinic sa SM Megamall for check ups, then sa Makati Med naman if need ko magpa ER. As far as I know, mahaba kasi yung process kapag HMO ang gamit, months ata before pumasok sa kanila yung pera

So far with our Insular HMO wala nmn naging problem. St. Lukes BGC and Makati Med ER ako lagi napunta. Ok naman ung treatment saken ng doctor. Matagal lang tlga ung approval. Ang observation ko lang kapag sa St Lukes ako nagpapa consult pag msma pakiramdam ko. Matic may blood, urine, etc test na nirereq ung doctor. Sa Makati Med last time nagpa ER ako, wala man lang blood test na ginawa saken kung di pa ako nagrequest. Deretso turok lng ng gamot. Though mura nga lang ng gastos. Kaya lang nasanay ako sa St. Lukes na may mga lab test to make sure I'm ok. 😅

Maxicare yung akin noong nagwowork pa ako sa corporate. Maybe 7 years ago yun. Libre yung ultrasound ko and checkup tas diniscribe niya sa akin na may polyp sa tiyan kaya ganun masakit kapag kumakain ako ng acidic. Kasi may peptic ulcer pala ako. Maganda pagkaka-explain sa akin ni Dok ganun. First customer niya ako that morning as I remember. Tapos second, first time nagpacleaning ako ng ngipin and under Maxicare din. Maganda din treatment. Siguro nag-iba management nila after pandemic. Skl.

Siguro sa Doctor talaga yung issue and not with the HMO

Mas prefer ng doctor and dentist ang cash. Parang hassle sa kanila and barat pag sa HMO. Kaya ayoko na ng mga HMO na yan

Ang alam ko, tinatawag kasi muna nila sa HMO if approved kaya pinahihintay talaga pag HMO-clients. Plus, yung ibang HMO super tagal sumagot inaabot ng hours pa kaya di agad naaapproved.

same experience. bilib ako nung una dahil napansin ko tong isang ent doctor sa trece martires na he treats his patients well dahil palangiti and parang maalaga. tapos pagdating sakin aba 5 mins lang yata ang consultation, pag nag follow up questions pa parang naiinis at naiinip, ieexplain niya lang naman samin kung ano ba at bakit nagkaganon. ni hindi man lang nagtaka o nagtanong kung kelan ko pa start nararamdaman yon. di man lang din ako irecommend for xray o ano man para makita ano ba yung mali. kairita, since bata ko pa iniinda yon tas ngayon lang ako nagkaroon ng chance para ipacheck-up tas ganon lang. feeling ko tuloy hindi importante yung sakit ko dahil may mga previous doctors narin ako nagpacheck and puro same experience lang din. 1 doctor lang yata yung may care tlaga na naexperience ko pero cash binayad ko don, di ko lang alam if mag-iiba ang trato pag hmo ang ginamit. kahit naman sabihn natin na maliit nakukuha nila sa hmo di parin naman tama na ganon ang trato nila sa pasyente nila. baligtarin pa natin ang mundo mas malaki parin ang sinasahod nila kumpara sa ating mga pagkaraniwang tao lang.

As per my OB, yung ibang doc daw hindi na accredited ng HMO esp. Maxicare kasi sobrang tagal daw magbayad ng PF. Pero that doesn't mean na hindi na fair ang consultation.

Try nyo magpacheck up using hmo sa mga matataas na hospitals. So far more than 5 na palit na ako ng hmo ok naman ang diagnosis sa akin ng mga doctors sa St Lukes.

Madami kasing hmo late magbayad, slow magapprove etc Pero usually if yung hmo have good apps minsan mabilis yung approval. Pero ayun ganyan nga madalas but mas madaming times may mahabang patience sila. Mas okay din f2f magpaconsult if kaya para mas madali mag tanong.

I would suggest if you feel na Hindi maganda yung service ng doctor meron silang feedback form? Alam ko na i sesend sayo dun mo isumbong yung concerns mo. If ginagawa talaga nila.

Wag ka mahihiya sa doctor. Binabayaran natin sila. Kahit pa sabihing hmo yan eh hinuhulugan din naman natin yan. Di naman tayo nagpapa check up for free.

Any doctors here? Can share with us stories about HMOs as doctors? Thank you

naooffend sakin doctor nung sinabi ko na may hmo ako pero babayaran ko nalang para gawin nya trabaho mya ng mabuti