Surgery can be very expensive especially if it involves organ diseases or injuries that may lead to disability. Hospitals have the experts and facilities to help a patient but the cost may become a problem. That’s why getting an HMO could be a good decision to make.
While there are different types of surgeries, it is ideal to get a health card with the optimum amount of maximum benefit limit. Note that surgical procedures are expensive and having a higher MBL will prove to be convenient. Here is a list of HMOs with surgery benefits.
1. Maxicare
Maxicare’s Platinum plan is ideal for surgery since it has a Php 250,000 MBL (Maximum Benefit Limit). This ensures that you can optimize your stay at the hospital while recovering from a surgery.
2. Medicard
Medicard Select is a good choice for surgery as it offers no deposit upon admission. In the fine print, even robotic surgery is covered as long as an accredited doctor prescribed the procedure.
3. Valucare
Valucare has specific limits on surgery coverage. For example, open heart surgery is covered up to 50% of MBL. On the other hand, prostate surgery is covered up the maximum amount limit of the account.
4. Etiqa
Etiqa’s MyLife+ has a maximum benefit limit of Php 200,000. This is useful for most types of surgeries as well as after care services. Room and board and accredited doctor’s fees will be covered.
5. Philcare
Philcares Health Luxe has one of the highest MBLs in the market. The benefit limit of Php 300,000 will be ideal for major surgeries that may require more than 3 days of confinement.
There are various surgery types that a hospital may perform. Depending on the patient’s need and condition, a health card can help with the expenses in terms of actual procedure and recovery phase. The following are the most common surgeries covered by HMO.
- Angioplasty
- Appendectomy (removal of appendix)
- Cataract Surgery
- Hysterectomy (removal of uterus)
- Thyroidectomy (removal of thyroid)
- Open Heart Surgery
Choosing an HMO for surgery is a lot easier if you consider the maximum benefit limit. Undergoing a medical operation has unpredictable costs. That’s why getting the health card with a reasonable maximum limit will be ideal.
Does HMO cover surgery procedures?
Yes, as long as the hospital and doctor is accredited, you can use your health card for surgical procedures of any type.
What medical services are covered?
The two types of surgeries are minor and the one that requires confinement. The one that requires hospital admission will consume the health card limit more in terms of coverage.
For surgeries with confinement, an HMO will cover room and board, operating room fees, doctor’s fees and some diagnostic tests before the operation. However, the total coverage will depend on the maximum benefit limit of the account.
You will have to pay the exceeding amount after the health coverage is consumed for the procedure.
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