No one wants to have a disability with movement or speech. Find out which HMOs for stroke can give better health insurance benefits for patients.
Medicard
Medicard has various hospital coverage and packages that may serve stroke patients. Individual plans include Standard and VIP depending on your needs.
| Plan | Coverage |
| Standard | ER procedures, in-patient services, consultations, CT Scan (subject to pre-existing coverage) |
| VIP | Healthcare services for the family, travel protection |
Maxicare
| Plan | Coverage |
| Silver (Individuals) | Emergency room, speech therapy (stroke) |
| Maxicare Prima Silver | Best for follow up consultations, diagnostic tests, lab tests |
| Maxicare Eready Advanced (Prepaid) | Suitable for emergency coverage, confinement if necessary |
Many HMOs consider stroke as a critical illness or dreaded disease. Because of that, they have limited coverage for members. See health card prices and choose the one with optimum benefit for stroke patients.
A Philippine News Agency article reports that stroke is the second leading cause of death in the country with a prevalence rate of 0.9%.* This goes to show that treatment cost will become the primary concern for those afflicted by the condition.
Stroke patients usually need to go to an emergency room to seek immediate treatment.
- Medication: Medicines and food supplements for stroke patients is usually given in an emergency room setting.
- Rehabilitation: Rehab sessions are important if movement and speech were affected by stroke. Physical therapy is also an essential treatment.
- Surgery: Those who may have a ruptured artery in the brain may require immediate surgery.
- Coverage of Health Card
- Not all health cards cover stroke expenses. However, the most common coverage includes emergency room procedures, ER medication, doctor’s fees (surgeon, anesthesiologist, nurse care) and rehab therapies.
When it comes to critical illness like stroke, health insurance shines because of the comprehensive coverage and benefits. Hospitalization until full recovery is covered by most insurance policies.
Moreover, additional cash benefits for hospitalization, income loss and disability benefit are included in these plans. However, the payment rates are usually higher than HMO.
Which Health Cards Is the Best For Stroke? The ideal HMO plan should have coverage for emergency care and in-patient services. For the most part, a room for confinement is included in comprehensive plans. Moreover, it is best to get a package that covers physical therapy and occupational therapy sessions.
Some health cards include disability coverage within the maximum benefit limit amount. This is also a good feature for those who may experience disability.
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