Medical expenses are pricey. With the presence of health mishaps and rising cost of health care, it pays to have a financial solutions to help you through the process. Opting for a reputable and reliable health care provider in the Philippines that you can entrust your medical and financial needs with is a huge undertaking.

This is where HMOs (Health Maintenance Organizations) enter. They play a massive role in today’s health sector. These institutions manage healthcare for individuals/companies who are looking for self-financed health care plans. This category consists of private liaison operators who bring together a cluster of medical services and assistance to members who wish to avail the best of health care for self or employees.

HMOs can help you get the best medical care without burning a hole in your pocket. Apart from this, here are several reasons why you should settle on an HMO ASAP:

 

Direct partnership with health care providers in the Philippines

Direct partnership with health care providers such as hospitals, doctors & clinics create a network of facilities easily accessible to its members at affordable rates. This type of health insurance option is usually subscribed to by corporates and small enterprises due to its accessibility and popularity.

HMO administered programs include major medical facilities such as outpatient and inpatient services, hospitalization and surgical benefits, medication cover and laboratory tests among others.

 

Cash assistance benefits

There are a few HMOs that provide monetary aid to those who suffer from loss of income as a result of an injury, illness or accident. In case of death and disability caused by accidents, financial support is also given to the insured and the insured’s family members.

 

Stack it with PhilHealth

PhilHealth and HMO health cards are different implements. PhilHealth is a national health insurance program of the government while HMOs are pre- or post-paid health care systems that provide or arrange managed care for self-funded health care benefit plans. The good thing about these distinct health plans is that they can work hand in hand. In instances like hospital confinement, PhilHealth will partially cover your bills from anywhere to 15% and 30% if you’re a member while the remaining balance will then be paid by your HMO plan.

 

Cheaper health care plan

The financial burden of expensive health care is an issue that HMOs are trying to resolve. Hospitalization, room rent, ambulance expenses and check-ups are some services that are covered by your health card, provided that your health care provider is accredited. Although health cards usually have maximum benefit limits, you can still save up to thousands of pesos!

 

Personalized plans

HMOs understand the need to provide packages that are tailored for every Filipino’s financial capacity.  Medical care is one of the most expensive necessities in the country, a reason why certain HMOs offer flexible rates. Some even offer prepaid services, which are deemed convenient during emergencies.                

Health care providers and health maintenance organizations in the Philippines are partners in giving you proper medical attention. Given the rise in lifestyle diseases and other illnesses, preventive