Heart Attack Coverage by HMO for Emergency Expenses

Heart attack can be scary and may lead to enormous medical expenses. As the leading cause of death in the Philippines according do PSA’s report, no one can deny the importance of a back up plan from HMO. Let’s find out what you can do with your health card in a heart attack case.

List of Coverage

Here’s the list of heart attack coverage and benefits by HMOs in the Philippines:

• Emergency room fees
• Doctor or attending physician fees in the ER
• Immediate medication to control heart attack
• Confinement rooms when necessary, prescribe by the doctor
• Operating room for heart surgery
• Consultation fee with a cardiologist

Best HMO

Different HMO companies in the country offer various types of coverage for heart attack. However, comprehensive health plans tend to be more flexible because you can expect higher amount of coverage. For prepaid health card holders, the benefits may only be within the ER services plus a few days of confinement.

Here is a list of HMO companies suitable for those with heart disease:

Maxicare – cardiologist consultation in PCCs, ER coverage, confinement up to MBL

Valucare – annual physical exam including ECG for the heart, emergency room coverage, confinement, room and board

Philcare – offers unli consult to monitor your heart health for prepaid card users

Medicard – has standard package for preventive services including heart health, covers ER fees and room and board up to MBL

Do HMOs in the Philippine cover heart attack? Yes, you can rely on your health card during cases of emergency like cardiac arrest or heart failure. We have good news for you, most emergency care expenses are covered by HMO since it is included already in your plan.

For the most part, even prepaid health cards have a defined coverage for all cases of emergency room.

Medical Tests

They always say that prevention is better than cure. In this case, you may want to check out the medical tests covered by HMOs to get you started with routine exams. However, it is a good idea to also look at the free benefits offered by health cards especially those about Annual Physical Exams.

Cardiologist Consultation

As always, many of the health cards in the Philippines has a standard benefit of consultation. You may have a check up with an accredited cardiologist of your HMO for any concerns related to the heart. On the other hand, surgeons for the heart may also be covered up to MBL.