Healthcard Inquiry

[niwde11]

Guys, me nag-offer sakin ng "Caritas" healtcard(hospital insurance + life insurance). nagiisip kasi ako kumuha. baka meron sa inyo dyan pwede magshare ng experiences with caritas and other healthcard, i wil appreciate it a lot.

[OTEP]

Tumatanggap ang UST niyan. Pero siyempre, hindi ka pwede pumili ng doctor. Yung doctor lang ng card mo ang pwede. And sa private division lang halos nagagamit kasi cash basis ang clinical division ng UST.

And huwag ka masilaw sa laki ng coverage nila. Sobrang mahal magpa-ospital. Sandali din lang kahit Php100,000.00++. Sa ICU, umaabot ng million plus ang bill ng pasyente. Wala pa PF ng doctors.

[niwde11]

oo nga doc e. kaaadmit ko lang sa hospital 2 weeks ago. 22thou yung hospital for two days. wala pa run yung procedure na ginawa sakin. sa fatima, di naman namimili ng doctor yung mga me healthcard. more info please.
btw, ibig mo sabihin otep me sariling mga doctor ang mga healthcard? kung wala yung doctor nila wait pa nila dating yung doctor?

[j_avonni]

Our current healthcard is Medicard. It's better than Philamcare. We have no experience with Caritas yet. There are other healthcard companies. Shop around and compare.

[OTEP]

May mga hindi kasi covered ng health card na doctor. Usually, the card will have a doctor that acts as 'coordinator' for that hospital. If you get admitted, dapat sa doctor ng Caritas or sa napili ng coordinator. Of course, this varies from institution to institution. May mga sariling in house policies din sila.

May sarili silang doctor for admissions. Kung sa ER, siyempre kung sino ang duty sa ER. Emergency iyon, eh. O kung dis-oras ka ng gabi na-admit and hindi naman emergency, yung duty resident/intern/medical clerk ang maaring tumingin muna sa iyo. Pero they will inform your attending so he can attend to you sa umaga. And if the attending thinks that you are an emergency case (e.g. AP), kailangan niya talagang gumising at pumunta sa ospital.

Ano ba ginawa sa iyo? Sa Fatima? Diyan nagtatrabaho father ko. hehehe.

[niwde11]

kaya nga ako start ng thread j-avonni para macompare yung iba. care to PM me how much premium mo and corresponding coverages. tia.

[niwde11]

tep, it has something to do with uric acid in my body. ER ako nung july 21 sa sobrang sakit ng right side of my body. under observation ako for 2 days. but the final procedure was done at manila doctors after a week kasi walang facilities ang fatima.

[oldblue]

health cards are very useful. I got hospitalized 3 times since I graduated. if not for these, baka baon na ako sa utang. first time was 1997, umabot almost 100k bill ko, medicines, room and 2 weeks stay sa medical city. the last time, I was hospitalized for 3 days and nearing the amount I incurred last 97. (around 70k) grabe! pati ospital may inflation.

I never paid a single cent coz it was an executive health card of my dad extended to family members.

plus you get free 2 propylaxis treatments each year, a free full health check-up every year din. and if you're in an accident kahit na unconscious ka, they'll admit you right away, no questions asked, basta card nasa wallet mo. at least that's how it was explained to me by the emergency doctor.

[oldblue]

tep, it has something to do with uric acid in my body. ER ako nung july 21 sa sobrang sakit ng right side of my body. under observation ako for 2 days. but the final procedure was done at manila doctors after a week kasi walang facilities ang fatima.

we had the same problem. mahilig ka ba uminom, mahilig ka kumain ng taba o matataba pagkain at mas gusto mo nestea kaysa water. I got confined for a week bec. of that. a week later eto na naman ako inom, suka, spicy food sa isang birthday. then back to the hospital for the third week.

for 6 years, endure ko yan kahit napagaling ako ng doctor noon. kasi from time to time, sumasakit pag nakaaiinom o napapadami kain.

I finally eliminated the pain when I accidentally joined a gym for another reason and started running the 30-minutes threadmill non-stop 6 days a week for more than a year. lahat ata ng dapat ilabas sa body nailabas ko na noon, pati cancer cells na din siguro hehehe.

you'll know pag naglalabas ka na toxins, parati ka uhaw and hindi mo kelangan pwersahin sarili mo to follow the eight glasses of water each day.

[Elroi]

based on our experience, okay naman caritas... so far...

they have good (accredited) doctors and hospitals nationwide na pwede mo pagpilian in non-emergency cases.. free annual exam, dental and eye care. though may limitations din depende sa plan mo..

meron din caritas kasambahay namin at naoperahan sya last year.. wala kami binayaran hospital bills (except 3k difference ng room rate from double to solo)..

[j_avonni]

You may visit Medicard Phils. at http://www.medicardphils.com/content/services/rates.asp

[putalittlemore]

Our current healthcard is Medicard. It's better than Philamcare. We have no experience with Caritas yet. There are other healthcard companies. Shop around and compare.

sir, what makes you say Medicard is better than Philamcare? coverage? premiums? ...

[niwde11]

we had the same problem. mahilig ka ba uminom, mahilig ka kumain ng taba o matataba pagkain at mas gusto mo nestea kaysa water. I got confined for a week bec. of that. a week later eto na naman ako inom, suka, spicy food sa isang birthday. then back to the hospital for the third week.

nope, i wish malakas ako uminom. kaya di ako madalas sumama pag may treat na friend. iced tea kasi ako nun since bawal soda. iwas na rin ako sa taba for the past three years. malakas ako sa seafood lalo na nung napunta ako sa US 2 years ago(potah, sarap ng sipit ng alaskan crab sa eat all you can nakaka 2 plate ako ng mga shell).

I finally eliminated the pain when I accidentally joined a gym for another reason and started running the 30-minutes threadmill non-stop 6 days a week for more than a year. lahat ata ng dapat ilabas sa body nailabas ko na noon, pati cancer cells na din siguro hehehe.

you'll know pag naglalabas ka na toxins, parati ka uhaw and hindi mo kelangan pwersahin sarili mo to follow the eight glasses of water each day.

this is what i lack. exercise. i'll try to follow tong recommend mo. yun din sabi nung nurse after my procedure. jogging daw ako para daw lumabas yung mga uric. that makes sense. thanks oldblue.

[banaweonline]

sir niwde11,

maganda magkaroon ng health card. magagamit mo everytime na gusto mo mag pa check sa hospital. and the best sa emergency cases. our family uses philam na healthcard.

ang kagandahan nito ay charge lahat ng doctors fee, check up fee, lab fee, etc sa card.

nasulit ko ito last may. daughter ko inoperahan sa appendix. bill ng st. lukes was a whopping 230,000.00, 10 days. d pa kasali doctor dito. sa hirap ng panahon ngayon, di madaling kumuha ng 230,000.00 di ba?

make sure yung kukunan mo maganda ang mga benefits....

[boybi]

covered ba ng mga healthcards ang mga blood tests (cholesterol, FBS, uric, etc.)?

edwin, anong klaseng sakit yung naramdaman mo? mataas din uric ko dati, pero ewan ko anong nangyari at bumalik na sa normal. ang mataas sa akin ngayon is triglycerides (500+, normal is 190 yata).

[niwde11]

banaweonline; ano card mo? me agent ka ba na mairerefer para madiscuss ng husto yung mga coverage. kung maganda yung agent mas ok.(j/k) for emergency purposes talaga kailangan ko. kahit wala ng life insurance. more of a hospital benefits kailangan ko.

[boybi]

also, how much ang premiums ng mga healthcards? parang sa car insurance ba yan na yearly and every year ang pagbayad ng premium?

[niwde11]

boybi, medyo above normal kasi yung uric ko last year nung nagpacheckup ako. kaso konti lang makakain ko kasi bawal na rin yung mga fat/meat. kaya madalas ko makain eh seafoods, vegtables, tofu na medyo matataas ang uric. i was rush sa hospital nung madaling araw kasi di ko na matiis yung sakit sa right side ng body ko. di na raw kaya ng oral(accdg sa doctor) kaya intravenous na pain reliever ginamit sakin. di nakuha sa isa kasi wala pang isang oras eto na naman yung sakit. nag paadmit na ko and schedule for KUB-IVP the following day. ayoko ng maging center of attraction sa ER.
yung caritas boybi covered daw yung after nung first year kasi meron ka na checkup. di ko lang alam kung gano kadalas.

[niwde11]

boybi some are yearly. (kala ko meron ka na, didnt expect na wala ka pa). meron ding babayaran mo habang buhay ka. caritas, after talking dun sa agent five years to pay lang. pwede lumpsum, annual, semi-annual or quarterly. me plan na after 6 years covered na family at meron namang after 10 years(syempre mas mababa premium). basta wag ka lang lalagpas dun sa maximum per illness. kaya nga hanap ako baka mas me ok pa.

[kimpOy]

i had that (buyt not caritas pm ko sa iyo kung gustong malaman yung insurance)

...hassle lang, lalong yatang akong nagkasakit sa kakalakad, halos yung basic hindi covered maski dental lang sana tapos sa hospital hinahanap ko pa yung doctor nila...

now for the hospital experience with a healthcard
may discrimination pa, porke alam nilang health card ka hindi ka nila asikaso...tapos ward lang bagsak namin...tapos pag lalabas na ke tagal tagal ng procedures...

imho hindi sulit for me mas ok nal ang kung magtatabi nalang ako ng pera kung sakali man ma hospital ako