What are the best HMO companies for virtual assistants like me? If you are on the search for useful health cards for VAs, you are in the right place.
How to select a health card for virtual assistants?
Affordable
Some online workers may not have a fixed salary. Others may be employed on a freelancer basis even if they work from home. It is therefore ideal that you choose the most affordable card but can still cover your work related health conditions.
Easy to Pay
Of course, virtual workers are using the internet to do transactions on their jobs. A health card should therefore be easy to pay through fund transfers, credit card or e-wallets.
Covers Job Related Illness
Since VAs work at home in front of a computer, some of the health risks that they may face are obesity, stroke, psychological conditions and even stress and depression. A good HMO that covers these potential health concerns can make a difference.
Best HMO for VAs
I have created here a list of health cards that are compatible with your type of job.
- Maxicare Prima Gold
Maxicare’s e-ready has always been among the top choices when it comes to prepaid health cards. The main advantage of this plan is you can easily buy it online, no check up required.
If you are the type who is health conscious, you will love its benefit of unlimited diagnostic procedures for 800 prescribed tests. There is also an ER coverage amounting to Php 20,000.
2. Medicard Select
It is among the more straightforward plan that the HMO offers. As a VA, you need protection against medical bills beyond your household budget. That is why this plan is ideal for those newly hired virtual assistants.
You can expect to be covered for CT scan, endoscopy, MRI and x-ray and lab tests when doctor prescribed. You get to have a revolving fund so you can use it if the time comes for you to avail medical services.
3. Valucare plan
This HMO has an ideal APE benefit especially if your employer does not cover your health. You can expect to receive services like x-ray, urinalysis, ECG and pap smear.
If you are a work from home mom, you will also like the 10 post natal benefit for Obstetrician consultation.
What if my employer gives me HMO benefit?
Good for you. Usually, online employers include health card benefits for their workers. You can still get prepaid health cards for ER purposes or as riders to your existing plans.
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