Some women may need to have their reproductive organs removed. Cancer is the primary cause and removing the organs could be a life saver. If you have a health card, does it mean your expenses are covered? Let’s find out.
HMO Coverage for Hysterectomy
Since the medical procedure is an actual surgery, you will need enough budget to pay for it. Hysterectomy coverage of HMO in the Philippines include surgery cost and room and board with a limit based on MBL.
We have prepared a list of covered expenses by health cards for hysterectomy:
- Surgeons fee
- Operating room fee
- Medicines and supplies
- Room and board
- Attending physician fee
Best HMO for Hysterectomy
We cannot suggest the “best” health card for surgery but there are many options for you. For example, the Platinum plan of Maxicare has a wide coverage of medical services and high MBL. Meanwhile, Medicard’s VIP can also be used for surgery, especially those that require a recovery period.
Why Hysterectomy?
Why would a woman need to undergo hysterectomy? For most people, the term is unknown and unfamiliar. Basically, it means surgery to remove the uterus. According to Johns Hopkins Medicine, fibroids and abnormal bleeding are some of the causes for uterus removal. PJOG’s report indicated that hysterectomy provides better outcomes to reduce the recurrence of cervical cancer.
Can I Get Full Coverage?
Initially, you will benefit from Philhealth which means a portion of the expenses will be covered. This is true for the doctor’s fees starting from Php 20,000. HMOs may only cover a part of the expenses especially if you have an individual plan worth up to Php 250,000 only.
Other Options
To reduce your bill, we suggest that you exhaust all discount privileges available. For example, Philhealth is automatic but you can still bargain using your senior ID. Note that some seniors may need to undergo the surgery if there is abnormal bleeding after menopause.
Is health insurance better? In terms of coverage, health insurance is extensive. You can use it in any way to cover medical bills. Usually, there is a dreaded disease clause which relates to why hysterectomy is necessary. For example, since cervical cancer is the concern, then health insurance will be useful for this type of surgery.
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