Appendectomy Coverage of HMO

Sudden pain in the abdomen could be a warning sign of appendicitis. Most of the time, such condition will call for appendectomy. You might ask, will my HMO cover the surgery? Let’s find out how your health card will become useful for appendix removal

What is the Coverage of HMO for Appendectomy?

Here is the list of expenses where you can have coverage by your plan.

ER Costs

Appendicitis involves sudden pain and you may need to proceed to the emergency room if it becomes intolerable. Your health card can cover the ER costs up to Php 20,000 and above depending on your plan. Medication like pain reliever may also be covered.

Surgical procedure

Health cards can cover up to your account’s MBL for the surgery cost itself. This service may already include the operating room and other instrument costs.

Surgeon’s fee

As always, the professional fees of doctors will be covered by the health card up to a range of Php 10,000 to Php 20,000.

Room and board

Appendectomy will involve recovery time so your room cost will be covered by your HMO. Depending on your plan, you will not need to pay anything for the accommodation.

Best HMO for Appendectomy

While it is not possible to identify the “best” since we all have our preferences, we’ve listed some of the top HMO choices when it comes to appendectomy surgery.

Maxicare – In patient care is covered, room and board accommodation, operating room and professional fees of doctors are covered.

Medicard Select – Comprehensive coverage including ER for immediate pain relief, no deposit required, operating room and room and board are covered.

InLife ER Care – Offering ER coverage especially for pain related to appendicitis, coverage for confinement if needed.

Is Surgery Needed?

For patients with a higher risk of infection from appendicitis, the doctor may recommend appendectomy. According to Johns Hopkins, appendectomy will relieve the symptoms of appendicitis once the surgery is done.

Appendectomy Price

The cost of appendectomy may start from Php 50,000 to Php 95,000. Of this amount, you can get deductions which the HMO will cover.

Knowing that your health card can cover your medical expenses can be a relief. You can maximize your HMO plans and be free from the pain of appendicitis at the same time.