Filipinos are becoming more practical by looking for an HMO company to reduce medical expenses. The yearly price of health card coverage starts from Php 11,000 to Php 45,000 and above depending on plan features.
What Hmo Type Is Right For You?
Select one of the following options:
The MBL (Maximum Benefit Limit), hospital room type for confinement and age of the member are factors in the total annual price.
Here are some of the HMOs in the country and their annual fee prices.
Etiqa
| Plan Type | Annual Fee | Basic Benefits |
|---|---|---|
| MyLife+ (ward) | ₱ 9,037.31 | ₱ 25,000 coverage, nursing services, outpatient and ambulance service |
| MyLife+ (semi private) | ₱ 16,954.34 | ₱ 100,000 coverage, nursing services, outpatient and ambulance service |
| MyLife+ (regular private) | ₱ 24,773.66 | ₱ 150,000 coverage, nursing services, outpatient and ambulance service |
*Estimated price for a 30 year old member with normal BMI (body mass index)
Maxicare
| Plan Type | Annual Fee (Estimates) | Basic Benefits |
|---|---|---|
| Silver | ₱20,233 | MBL ₱ 100,000 Semi Private Room |
| Gold | ₱ 25,278 | MBL ₱ 15,000 Regular Private Room |
| Platinum | ₱ 27,764 | MBL ₱ 200,000 Regular Private Room |
| Platinum Plus | ₱ 46,526 | MBL ₱ 250,000 Large Private Room |
| Maxicare Prima Gold | ₱ 16,888 | Unlimited consultations Emergency coverage ₱ 20,000 |
| ₱ 8,888 | Unlimited consultations Unlimited 200 medical tests | |
| ₱ 4,999 | ₱ 50,000 coverage for emergency With pre-existing condition | |
| ₱ 5,999 | Includes top 6 major hospitals ₱ 50,000 coverage for emergency With pre-existing condition |
*Estimated price for a 30 year old individual account without dental coverage
Medicard
| Plan Type | Annual Fee | Basic Benefits |
|---|---|---|
| Medicard Standard (without top 6 hospitals) | ₱ 10,739.00 (ward) ₱ 12,049.00 (semi private room) | No Deposit upon admission Room and board CT scan, ultrasound, MRI (₱ 5,000), dental care, emergency care |
| Medicard Standard (with top 6 hospitals) | ₱ 18,850.00 (semi private without Asian Hospital) ₱ 21,908.00 (small private with Asian Hospital) | No Deposit upon admission Room and board CT scan, ultrasound, MRI (₱ 5,000), dental care, emergency care |
| Medicard Health Plus | ₱ 1,100 | Unlimited out patient consultation (Medicard clinics only) Annual Physical Exam |
ValueCare
| Plan Type (Below 40 years old) | Annual Fee | Basic Benefits |
|---|---|---|
| Ward | 9,769 | Php 60,000 coverage per illness per year. Unlimited consultations and treatment during clinic hours |
| Semi Private | 10,855 | Php 70,000 coverage per illness per year. Emergency and doctors services |
| Regular Private | 13,886 | Php 80,000 coverage per illness per year. Room and board accommodations based on member’s plan |
Note: The company’s basic benefits are the same for most room types. They only differ on the coverage amount. Each age category has a different rate.
Video About HMO Options
HMO companies usually charge on a yearly basis. This setup ensures that the individual member will get the optimum benefit within the covered time frame without worrying about missed payments.
Where can I use my health card?
One thing that we noticed among HMOs is that annual rates are also based on the hospitals they are partnered with. If your preferred plan included the “top 6” hospitals, then you have better options on where to get medical service from. In most HMO companies, the top 6 hospitals include:
- St. Luke’s Medical Center QC
- St. Luke’s Medical Center BGC
- Cardinal Santos Medical Center
- Asian Hospital in Muntinlupa
- Makati Medical Center
- Medical City
The inclusion of these hospitals in any health plan will result in a higher price per year of coverage. For some HMOs, the hospitals are included in their network by default.
Does age affect the price of HMO plans?
We also see many companies divide their categories of fees according to the age of the member/applicant. The older the person is, the higher the yearly membership fee. This is understandable since they are more prone to having health problems.
It is advisable that you consider an HMO with accredited hospitals within your place of residence or work to avail medical service conveniently.
Will I get dental cleaning coverage?
Moreover, having an option for dental coverage will also increase your yearly rate. If you think you will benefit from oral prophylaxis and dental filling, then you may select the option upon applying.
Don’t have the budget for an annual payment? Look for a prepaid health card. Just like your phone load, you can actually buy prepaid coverage according to your preferred benefits. Most of the companies presented here have their prepaid plans available for the budget conscious.
If you are not yet ready to get an HMO, I suggest that you first compare the price for each plan that suits you. This way, you can maximize your money and get the best benefits.
It took me about 2 months to decide which health card is the best for my needs. I considered my age, budget and nearby accredited hospitals to maximize the product just in case.
Since most plans involve an annual fee, the companies have designated payment channels for convenience. You may pay through e-wallet, credit card or cash at any of the HMO offices of your choice. We understand that annual rates more than Php 20,000 can be too expensive for a regular employee.
The good news is that you can actually apply for installment payment plans. Using your credit card, simply convert the straight payment amount into monthly rates. Of course, there is a minimum add on interest but it would be more convenient.
Images and videos are copyrighted by their owners.
Leave a Reply