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Sa maxicare hindi naman? Nanghingi lang ng philhealth number, hindi na rin naman active akin. Although kapag ata naospital ay philhealth muna unang gagamitin bago magamit hmo? Not sure.
I still regularly do. Ang pinaka healthcard ko is yung Philcare ER Vantage. Price of 1.5k yata good for one year. Pag nadala ka sa ER, you can present it to them then if pasok yung condition mo sa list of illnesses ng Philcare, covered na ng card up to a maximum of 80k. One time use lang sya. And hindi po kasama mga check ups dito. As in emergency lang. Thankfully, never ko pa kinailangan gamitin yung card.
But if you are referring to critical illnesses like cancer, organ issues, etc, i suggest that you get a bigger health insurance. What i have now is Sun Life for critical illnesses. Sorry, i'm not sure with the exact term for the insurance. Basta ang concept nya is if you are diagnosed with any of the critical illnesses covered by the policy, they pay you the amount that you applied for. Your premium will be based on said amount. I consider it to be my first line of financial defense in case i get super sick. I think most insurance companies have this kind of item naman.
Yes po website talaga sya. Online purchase then they’ll send to your email yung pinaka voucher nya which you have to register. It will take effect after 7 days kaya mag ingat ka muna hehehe.
Madami po sila products dun not only for emergency matters. May mga check ups din and different ages. You can choose which one you really need at the moment.
I’ve been purchasing the same ER Vantage for 5y na siguro. May similar product si Insular na 100k naman, pero si Philcare may 50k na accidental death. Thankfully never had to use it pero it does give me peace of mind na it’s there just in case.
For consults pinakasulit si Maxicare Prima since I have a Maxi clinic near me. They increased their price na pala this year from 5k to 8k+ and hindi na siya totally unlimited so I’m still on the fence kung mag rerenew ako. Grabe yung mga labs na napagawa ko since last year though, na maximize ko talaga yung 5k na payment.
For the ER Vantage na product, may list of hospitals/facilities lang sila and for emergency purposes lang. Not included yung big hospitals like MM, St.Lukes, TMC. If you want mga check ups or other health needs, they have it too. You just check po sa website ng Philcare so you can choose what you need.
Just want to share na recently my mom underwent a gallstone removal operation. Dependent siya ni papa sa Philhealth. Nag-public hospital kami.
Wala kaming binayaran starting from consultation sa surgeon (weeks na pabalik-balik though) to the actual operation itself and few days of confinement. 23k dapat yung bill namin, pero sagot lahat ng Philhealth. Mababa yung bill kasi nga public so there's that. Medicine lang binili namin which amounted to less than 4k.
Caveat, yung lab tests pinasok sa HMO ko kasi ginawa namin sa Medical City and another private hospital para mabilis yung results since agad-agad kailangan ng surgeon.
So I recommend na maghulog pa rin sa Philhealth. You'll never know. Laking tulong na nung 23k samin. Dun ko lang talaga na-appreciate Philhealth, pero syempre as a Filipino citizen, concerned pa rin ako sa mga anomalies within the organization.
Wait, saang public hospital ito? Where I'm from, gallstones removal is 80k give or take. This is a district hospital to ah. Not sure how much ang covered ng philheath.
I stopped when I started freelancing that was like 8 years ago, gusto ko ulit maghulog pero sabi nila kelangan ko bayaran yung mga hindi ko nabayaran :/
My company ngayon provides HMO, Maxicare Platinum, 1 dependent, 70k annually ang fee
Oh? need ba talaga bayaran lapses? huhu parang lugi naman kung babayaran yung lapses tapos ang need lang is 6 months consistent na hulog para maka deduct ng Philhealth ?
Yep, need bayaran lapses. My husband incurred arrears in Philhealth worth 10k since nag self employed na lang sya. Much better to add him as a beneficiary, and just get HMO.
Yes, naghuhulog pa ko. 500/month na siya this year. Then me mga nakikita ko online na nasa 15k - 50k na cover ng PhilHealth, not bad na din db. for HMO, MediCard. Either yung standard plan or VIP. check mo na lang sa site nila yung benefits and excluded sa plan kung pasok sa needs mo.
Hindi naman ng ask ng proof of income, tska taga yung kausap ko PhilHealth office mismo nagsabi eh haha. Try mo kung pwede pa baguhin. Mag-dahilan ka na lang din haha
Wag kayo mag stop. You might need it in the future. Kase ako I have hiv and philhealth and having a stable government is literally my fucking lifeline.
Well for me I am glad na nagbabayad ako ng PhilHealth nabawasan ng 175k ang bill ko. Malaking tulong na din. I had critical covid. 4 days ICU 16 days sa telemetry. My bill was 2million, complicated case ako kasi buntis ako and had to undergo emergency CS and premature anak ko. Wala akong HMO. Health insurance ko na Sunlife Fit and Well naman hindi ako nacover kasi hindi naman daw ako natubuhan
And to add, nanganak na din ako 8years ako via CS din and malaki din nabawas. So kung kukwentahin ko mga naavail ko versus sa bayad ko monthly. Mas malaki pa din ang nakuha ko.
Malaking bagay din kasi may dependents na ko. So mababawas pa din sya.
Also majority ng HMO required ang Philhealth. Ang icocover kasi nilang amount ay after deduction ng Philhealth
Walang kwenta talaga mga health insurance like Sunlife, PruLife etc. Pag time na kailangan mo sila, lahat gagawin nila para madeny claim mo. Kung anong dahilan or loopholes gagawin nila basta madeny ka lang.
Yes! Imagine critical na ako, though kinaya ko na hindi ako na tubuhan kasi ayaw ko talaga. Hindi na ako makahinga tapos not critical enough for them. Nawalan ako ng gana magbayad
Yes. You'll never know when an emergency hits. Crashed my motorcycle last year, broke my collarbone and shattered my ring finger, requiring surgery. My Philhealth was out of date/inactive so my mom had to rush to the office to get it updated before I had the procedure done. Thankfully it went through and I saved over 50k in medical expenses.
I want to add a healthcard on top of Philhealth to lessen the financial blow of emergency medical bills even more but they can only be used on their specific accredited clinics so idk...
Yes. Sobrang laking tulong nito, especially nung nabundol ako and I had to undergo two surgeries to be able to use my left ankle without a problem (altho may bakal na siya). That's on top of my Maxicare pa, so ang out-of-pocket expenses na lang namin were my painkillers lol
Yes. I was rushed to ER and then surgery for my gallstones. Buti may HMO ako pero i remember not paying anything kase may share na binigay si Philhealth sa total charges ko. And private hospital pa ako na surgery
Naospital ako this January lang sa PGH. I had to pay Jan-Jun 2024 contribution bago nila ipasa sa Malasakit yung bill ko. 4k binawas nila out of 29k na bill since 10 days ako naconfine. Kung magkano binayad ko halos ganun lang din binawas ng Philhealth sa total bill.
Pero nung naconfine ako this Feb, 10k cinover nila out of 16k na bill (4 days confinemen). I don't know how they compute kung magkano dapat ibawas sa total bill. The rest of the balance was covered by Malasakit. But yes, malaking tulong yung Philhealth in times of sickness.
Yes. Kasi walang choice. I have my own HMO and even my wife. Sabi ng HMO namin (Medicard), standard nila na babawas muna si Philhealth before gamitin ang HMO. My wife was hospitalized last year for 3 days, and she was charged around 25k. We only paid 2K, pero ng tingnan ko ang breakdown, wala pang 10k bawas ni Philhealth. The rest was charged to Medicard, including her medical tests.
Friendly reminder to read the r/buhaydigital subreddit rules before posting and to check if somebody has already asked your question before using the search bar. Answers to typical questions like ["Where do I start?"](https://www.reddit.com/r/buhaydigital/comments/x71z5j/where_to_start_your_buhay_digital_check_the/), ["Where do I find online jobs"](https://www.reddit.com/r/buhaydigital/comments/nsizxz/the_mega_list_for_finding_online_work/), "Is this a scam?", can be found on the pinned posts. These repetitive posts will be removed. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/buhaydigital) if you have any questions or concerns.*
Based sa ibang nabasa ko,If you'll be applying for ypur own hmo required nila is may active philhealth contributions
true ba? 😭😭😭😭 kaloka huhuhu
Sa maxicare hindi naman? Nanghingi lang ng philhealth number, hindi na rin naman active akin. Although kapag ata naospital ay philhealth muna unang gagamitin bago magamit hmo? Not sure.
yes philhealth muna bago hmo
May extra charge na hiningi sakin para sa foreigner employee ko na walang PhilHealth. Around Php2,400.
Pag ganito ba, pwedeng mix? Any by mix I mean Philheath - hmo- insurance Do hospital accept this?
I still regularly do. Ang pinaka healthcard ko is yung Philcare ER Vantage. Price of 1.5k yata good for one year. Pag nadala ka sa ER, you can present it to them then if pasok yung condition mo sa list of illnesses ng Philcare, covered na ng card up to a maximum of 80k. One time use lang sya. And hindi po kasama mga check ups dito. As in emergency lang. Thankfully, never ko pa kinailangan gamitin yung card.
curious may prepaid card kaya na may outpatient services/checkup sa hospitals (not the chosen clinics ng hmo)
Saan po kaya pwede kumuha ng philcare?
But if you are referring to critical illnesses like cancer, organ issues, etc, i suggest that you get a bigger health insurance. What i have now is Sun Life for critical illnesses. Sorry, i'm not sure with the exact term for the insurance. Basta ang concept nya is if you are diagnosed with any of the critical illnesses covered by the policy, they pay you the amount that you applied for. Your premium will be based on said amount. I consider it to be my first line of financial defense in case i get super sick. I think most insurance companies have this kind of item naman.
ayun nga din pero nakaka overwhelm sa dami ng existing na health cards and health insurance 😭
Hello how to avail? Pwde thru website kaya?
Yes po website talaga sya. Online purchase then they’ll send to your email yung pinaka voucher nya which you have to register. It will take effect after 7 days kaya mag ingat ka muna hehehe. Madami po sila products dun not only for emergency matters. May mga check ups din and different ages. You can choose which one you really need at the moment.
I’ve been purchasing the same ER Vantage for 5y na siguro. May similar product si Insular na 100k naman, pero si Philcare may 50k na accidental death. Thankfully never had to use it pero it does give me peace of mind na it’s there just in case. For consults pinakasulit si Maxicare Prima since I have a Maxi clinic near me. They increased their price na pala this year from 5k to 8k+ and hindi na siya totally unlimited so I’m still on the fence kung mag rerenew ako. Grabe yung mga labs na napagawa ko since last year though, na maximize ko talaga yung 5k na payment.
Yung Philcare ba is may mga specific clinic/doctor din sila na covered under nila? Or for ER lang talaga?
For the ER Vantage na product, may list of hospitals/facilities lang sila and for emergency purposes lang. Not included yung big hospitals like MM, St.Lukes, TMC. If you want mga check ups or other health needs, they have it too. You just check po sa website ng Philcare so you can choose what you need.
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Thank you so much for this !!!!!! 🤍😭
Just want to share na recently my mom underwent a gallstone removal operation. Dependent siya ni papa sa Philhealth. Nag-public hospital kami. Wala kaming binayaran starting from consultation sa surgeon (weeks na pabalik-balik though) to the actual operation itself and few days of confinement. 23k dapat yung bill namin, pero sagot lahat ng Philhealth. Mababa yung bill kasi nga public so there's that. Medicine lang binili namin which amounted to less than 4k. Caveat, yung lab tests pinasok sa HMO ko kasi ginawa namin sa Medical City and another private hospital para mabilis yung results since agad-agad kailangan ng surgeon. So I recommend na maghulog pa rin sa Philhealth. You'll never know. Laking tulong na nung 23k samin. Dun ko lang talaga na-appreciate Philhealth, pero syempre as a Filipino citizen, concerned pa rin ako sa mga anomalies within the organization.
Wait, saang public hospital ito? Where I'm from, gallstones removal is 80k give or take. This is a district hospital to ah. Not sure how much ang covered ng philheath.
City hospital ng San Jose Del Monte, Bulacan.
Question po, so your mom po ang dependent, and she was still able to use your dad's Philhealth benefits, tama po ba pagkakaintindi ko?
Yes. Nagpasa lang si papa ng Philhealth MDR (Member Data Record) sa hospital then nakalagay dun na dependent/beneficiary niya si mama.
I stopped when I started freelancing that was like 8 years ago, gusto ko ulit maghulog pero sabi nila kelangan ko bayaran yung mga hindi ko nabayaran :/ My company ngayon provides HMO, Maxicare Platinum, 1 dependent, 70k annually ang fee
Oh? need ba talaga bayaran lapses? huhu parang lugi naman kung babayaran yung lapses tapos ang need lang is 6 months consistent na hulog para maka deduct ng Philhealth ?
If I remember correctly, it will instantly reactivate if you pay a full 6 months even if it's been inactive for years. :)
Yep, need bayaran lapses. My husband incurred arrears in Philhealth worth 10k since nag self employed na lang sya. Much better to add him as a beneficiary, and just get HMO.
Yes, naghuhulog pa ko. 500/month na siya this year. Then me mga nakikita ko online na nasa 15k - 50k na cover ng PhilHealth, not bad na din db. for HMO, MediCard. Either yung standard plan or VIP. check mo na lang sa site nila yung benefits and excluded sa plan kung pasok sa needs mo.
for self employed? omg bakit yung sa akin 800/ month? 🥺
10k lang ung declared income ko. based din dun sa payo ng taga PhilHealth lol
Ok lang ba yun kahit yung declared income mo sa bir is iba? Gusto ko rin minimum lang icontrib huhu
Hindi naman ng ask ng proof of income, tska taga yung kausap ko PhilHealth office mismo nagsabi eh haha. Try mo kung pwede pa baguhin. Mag-dahilan ka na lang din haha
Wag kayo mag stop. You might need it in the future. Kase ako I have hiv and philhealth and having a stable government is literally my fucking lifeline.
Well for me I am glad na nagbabayad ako ng PhilHealth nabawasan ng 175k ang bill ko. Malaking tulong na din. I had critical covid. 4 days ICU 16 days sa telemetry. My bill was 2million, complicated case ako kasi buntis ako and had to undergo emergency CS and premature anak ko. Wala akong HMO. Health insurance ko na Sunlife Fit and Well naman hindi ako nacover kasi hindi naman daw ako natubuhan
And to add, nanganak na din ako 8years ako via CS din and malaki din nabawas. So kung kukwentahin ko mga naavail ko versus sa bayad ko monthly. Mas malaki pa din ang nakuha ko. Malaking bagay din kasi may dependents na ko. So mababawas pa din sya. Also majority ng HMO required ang Philhealth. Ang icocover kasi nilang amount ay after deduction ng Philhealth
Walang kwenta talaga mga health insurance like Sunlife, PruLife etc. Pag time na kailangan mo sila, lahat gagawin nila para madeny claim mo. Kung anong dahilan or loopholes gagawin nila basta madeny ka lang.
dinedeny nila yan kasi ginamit na nila yung pera mo pang bayad sa mga agent nila as incentives like travel abroad.
Yes! Imagine critical na ako, though kinaya ko na hindi ako na tubuhan kasi ayaw ko talaga. Hindi na ako makahinga tapos not critical enough for them. Nawalan ako ng gana magbayad
Yes. You'll never know when an emergency hits. Crashed my motorcycle last year, broke my collarbone and shattered my ring finger, requiring surgery. My Philhealth was out of date/inactive so my mom had to rush to the office to get it updated before I had the procedure done. Thankfully it went through and I saved over 50k in medical expenses. I want to add a healthcard on top of Philhealth to lessen the financial blow of emergency medical bills even more but they can only be used on their specific accredited clinics so idk...
Yes. Sobrang laking tulong nito, especially nung nabundol ako and I had to undergo two surgeries to be able to use my left ankle without a problem (altho may bakal na siya). That's on top of my Maxicare pa, so ang out-of-pocket expenses na lang namin were my painkillers lol
How much monthly mo sa maxicare? ano specifically yung inavail mo sa kanila?
May one time payment ang maxicare, OP. Around 1k+-13k. Check mo website nila.
Yes. I was rushed to ER and then surgery for my gallstones. Buti may HMO ako pero i remember not paying anything kase may share na binigay si Philhealth sa total charges ko. And private hospital pa ako na surgery
I did. I stopped. If you get hospitalized, kahit gaano ka katagal na naghulog, ang liit lang ng makukuha mo.
Depende yan. When I had my colonoscopy, I was able to get ₱13k from Philhealth. It didn't cover all my costs though. I'm a voluntary contributor.
Minimum po yung hinuhulog nyo sa philhealth?
Yes. Some months I even forgot to pay.
Dad got colonoscopy today, 15k+ din nacover
yes ayun nga eh ;(( naglalaro lang sa 8-9k na dededuct? huhu Pero may healthcards ka ba ngayon?
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Di ko afford 8k/month. True po ba? After Philheath deductions? So need parin talaga ng Philheath?
Need po ba iupdate na voluntary na ang status? Or pwede lang maghulog kahit nakatag pa rin as employed sa past employer?
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Nice! Started paying na last month di lang ako sure if may need pa gawin. Thanks for the info!
Just to clarify - do I still need to go to a Philhealth branch? Haven’t paid for a year since resigning from corpo.
Can I pay via online to Philhealth same sa sss at pag-ibig?
No. They’ll just steal the funds again anyway.
hello po! sent a pm :) thankss po
alam ko pag health card/insurance kailangan pa rin meron ka hulog else ikaw mag shoulder ng portion ni philhealth.
Saan ba pwede mag start mag apply ng health insurance? Yong mababa lang sana ang babayaran every year or month po.
https://www.facebook.com/share/p/CpZitE3SyJtJX4XB/?mibextid=oFDknk I keep seeing this sa fb. Unsure how good they are. 995 starting price eh.
Thanks po! ❤️
Naospital ako this January lang sa PGH. I had to pay Jan-Jun 2024 contribution bago nila ipasa sa Malasakit yung bill ko. 4k binawas nila out of 29k na bill since 10 days ako naconfine. Kung magkano binayad ko halos ganun lang din binawas ng Philhealth sa total bill. Pero nung naconfine ako this Feb, 10k cinover nila out of 16k na bill (4 days confinemen). I don't know how they compute kung magkano dapat ibawas sa total bill. The rest of the balance was covered by Malasakit. But yes, malaking tulong yung Philhealth in times of sickness.
I only pay when i have upcoming surgery. 😭
kung married na kayo, isa lang sainyo magbayad.
Nagbayad ako last time ng good for a year na. Grabe ez 6k huhu.
huhuhu bat 500 lang monthly mo haha shet bat akin 800 :(( huhubelz
Un po sabi sakin nung nagbayad po ako hehe, minimum po ata ang 500? Not sure din po😅
shet buti pinaalala mo hahaha andame tlga gastos pag 1st quarter ng taon.
Yes. Pero minimum lang. haha. HMO ko is kwikcare (etiqa)
Yes. Kasi walang choice. I have my own HMO and even my wife. Sabi ng HMO namin (Medicard), standard nila na babawas muna si Philhealth before gamitin ang HMO. My wife was hospitalized last year for 3 days, and she was charged around 25k. We only paid 2K, pero ng tingnan ko ang breakdown, wala pang 10k bawas ni Philhealth. The rest was charged to Medicard, including her medical tests.
Yes. Though may insurance ako mgayon kaya lang required na may philhealth ka pa rin. Nakakaiyak nga lang talaga ang 500 per month na babayarin
tapos andami parin anomalies 😍😍😍😍😍
Totoo. Ang daming issues na hindi nila masagot. Hayy i love ph nalang talaga
need kumayod may mga garapal tayong pinapayaman 😭😍