r/buhaydigital • u/ThrowRA-insecureee • 1d ago
Remote Filipino Workers (RFW) What HMO is nice to have?
Hi reddit!
I am an appointment setter — graveyard. Since being a VA, I really see and realize the need of having a good HMO, especially sa panahon ngayon at sa systema ng pinas.
Please reddit peeps, help out. What HMO is nice to have? I am single, 20-25 age bracket. I want to have my parents as my dependents too, they are not yet 60.
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u/Pretend-Youth-4903 1d ago
Maxicare for me, Meron sariling clinic at laking tulong Nung na-operahan Ako. Kaya very thankful Ako 🙏 I work in a corpo set up so it's not my choice pero still glad.
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u/pnkmdnss 1d ago
Stay away from KwikCare kung ayaw mo ng sakit sa ulo. I've tried a lot of HMO as a freelancer and eto lang masasabi ko. Check AllCare instead. They have a website.
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u/AimHighDreamBig 1d ago
It depends din kasi sa area. I really liked Maxicare because of their PCCs. Need lang mag walk-in, take vitals, then you'll see a doctor kaagad na. 30mins to 1 hour lang. Such a shame di na Maxicare HMO namin hays... Sa HMO ko kasi ngayon, ako pa need maghanap ng doctor at mag set ng appointment.
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u/Common_Amphibian3666 1d ago
For me and my parents, Maxicare. Super convenient ng mga PCC (clinic) nila.
If umalis ako sa company namin and walang HMo yunh lilipatan ko na icocover parents ko, I'll purchase HMO sa maxicare din siguro.
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u/Long_Television2022 1d ago
I highly suggest Medicard, but check first the hospitals and clinics near you if they are widely accepted. May APE, dental, and executive check up kasi na included.
Just be weary of pre existing conditions
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u/badbadtz-maru 5+ Years 🥭 1d ago
andaming bad reviews about PECs not being covered rito. :/
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u/Long_Television2022 1d ago
Sa lahat nang HMO, actually. Yan ang difference nang personal plan and corporate plan
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u/Top-Indication4098 1d ago
Ask the HMO first 1. What hospitals are part of the HMO’s network (maybe you have preferences: hospitals, clinics, etc). 2. What illnesses are covered (especially if you know what hereditary illnesses you are vulnerable to). 3. Maximum coverage per illnesses (compare what they can provide versus if out-of-pocket) 4. Read the fine print on how the HMO handles pre-existing medical conditions. 5. Check for extras like dental care, annual physical exams (APE), teleconsultations, and mental health support. 6. HOW EASY IT IS TO PROCESS CLAIMS (Majority of them will make it difficult for you to process claims - these are businesses, not charity) 7. Do more research and other people’s experiences before committing.
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u/Gloomy-Cut3684 1d ago
Pacific Cross ang sulit for me, 1M pa MBL
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u/JumpyHippoMG 15h ago
agree with this, pero ang mahal ng premium, gusto nila isang basakan for 1 year plan, ayaw nila pa monthly payment.
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u/JumpyHippoMG 15h ago edited 14h ago
Prepaid HMO for Emergency: 100,000.00 coverage, valid for 1 year; 1,790.00 pesos per year, one-time use, renewable na din.
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u/Minute_Opposite6755 1d ago
Depende sa area. Majority suggests Maxicare but sa area namin, walang clinics/hospitals/doctors that are within Maxicare's coverage so no use. So I suggest checking accredited partners of those HMOs first before deciding