Some individuals are independent enough to raise a child without a spouse. A single parent can still provide for the children as long as financial resources are enough. But what if you get sick, how will the family budget be affected?
Maxicare Eready Platinum
This prepaid health card can protect you against costs incurred during ER visits. Perfect for single parents since it can cover up to ₱25,000 emergency bill. Use it in all accredited hospitals including St. Luke’s, Makati Medical Center and Medical City
Price: ₱1,500
Medicard RxER
The prepaid card from Medicard takes care of your Annual Physical Exam including x-ray, CBC, urinalysis and fecalysis. This is a good choice for preventive care so you can attend to your child with good health.
Price: ₱1,998
Philcare ER Vantage Plus 60 for Adults
With one time coverage amount up to ₱60,000 for illnesses related to bacteria, virus or injuries from accidents. Included in your benefit are room and board, diagnostic tests and doctor’s fee.
Price: ₱1,350
Being a single parent should not be as stressful as some claim to be. While it may involve some financial dilemma, your health should not be one of them. Choose an HMO plan that best suits your needs and budget.
What options do I have?
Even if you are a single mom or a single dad, it does not matter because your health is as important as everyone else. In order to help you choose, consider first some factors.
- Budget
Being a single parent could mean limited budget. The most common expenses include housing, food, clothing, utility bills, work related expenses and education of a child.
Take time to carefully analyze which health card will suit your budget so your monthly expenses will not be compromised.
2. Coverage
Depending on your lifestyle, you should consider the features of a health plan that will match your daily routine. For example, if you are a stay at home parent, you may consider a plan with preventive care.
On the other hand, if you are always traveling, commuting or working in the field, a prepaid health card with Emergency features will be ideal.
3. Duration
Choose a health benefit with a long duration of coverage. Ideally, you should be covered for one whole year upon activation of the account. This will optimize your health investment so you can continue nurturing your family.
Being a single parent, do I need an HMO?
While it may be an option, practicality tells that you should have one. The benefits of having a health card on your side will be enough to provide you a safety net against unwanted expenses.
All people are bound to get sick one day. Sometimes, an accident or even death can happen without warning. With a health card, you can at least have peace of mind knowing that some parts of medical bills are covered.
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