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.

[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? ...

[ti8245]

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.

Okay naman Philamcare, wala pa akong naexperience na sablay..Daming Doctor esp sa Asian Hospital...

[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]

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.

[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.

[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)..

[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.

[CaMoTe!!!]

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.

boss anong card ito???

imo, mas importante maginvest ka na lang sa annual check up... sa halagang 7k-8k annual check up, malalaman mo agad kung may sakit ka, di yung sa healthcard na antayin mo pa maospital ka... not unless may annual check up din siguro yung card mo, ok...

[j_avonni]

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

[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).

[totoybato]

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).

na shock ako bossing sa taas ng triglycerides mo. yung sa akin 230 lang pinangaralan na ako ng cardiologist ko. Anyway, maganda ang may heatlh card, pag may naramdaman ka, takbo agad sa emergency, okay na. May dental coverage din na kasama, pwede ang isang root canal every year, yung prophylaxis, pwede twice a year pati na rin yung tooth filling hanggang dalawa di. Philamcare ang aming insurer. Kasama nga pala ang lahat ng blood test at ang pinakamaganda, naka waive ang restriction sa pre-existing condition.

[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.

[banaweonline]

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.

sir niwde11,
hehe.. di po ako agent. extension lang ang gamit ko. main ang wife ko. she works at an embassy here in manila.

eto konti pang details.

philam health card
room rate 2.5th/ day
max limit 300,000.00
(includes dentist, cardio, ob-gyn, pedia, surgeon, anastesiologist, etc...)

she pays around 2-3th per month for her, mine and our 2 kids.

everytime may check up ang mga kids sa pedia, free. we pay for the injections lang.

she got free ob-gyn free check up nung pregnant sya with both kids.

anytime may problem with health, go agad kami st. lukes e.r., free (pati medicines).

last year, general check up ako (blood test, ecg, 2d echo, treadmill, ultasound, x-ray, etc.), free. (saw the bill, 12,000.00 lahat)

kaya i suggest check mo muna sa hmo kung ano ang benefits nila before you make a decision...

sir kimpoy,
may ibang hmo ganyan talaga. style lang dyan awayin mo para mabilis. hehe...
so far, sa st. lukes kami, no problem.