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” s all about hm poor young health maintenance organizations. I never buy you and know know what is each mo well an hmo is normally a investor based business entity well organized within in accordance with the corporate code at the philippines now additionally for hmos. It is regulated by an appropriate government regulatory body in turn it offers a prepaid prepaid membership 12 it offers hospitalization and other health care benefits and hmo plan is useful for a 1 year period it has a fixed prepaid membership fee sorry to you ma are looking at a book now in local foreign land some parent made the card no and your manga manga health card. The bd beginner ma and lia admin are employers on empleado medic card is is one of the hmos in the philippines.
Medi card philippines. Yes. So if a pre need putana insurance. You could say that but it s not the pre need company okay.
It s an hmo maintenance organization. So i know you man on purpose ninh is an hmo or coupon is an employer and no services for an hmo and a polio parent. Quite a dilemma game from getting that well one of which would be health maintenance. Okay.
We all said that one should maintain good health throughout ones lifetime. Now. It s also good for plant holder to prepare for event wallabies contingencies in life if you get sick. Then you have a an hmo card and you go to the hospital for that matter any hospital opened or any any of the affiliated hospital affiliated hospitals nationwide.
He showed him the card and you can get services within the confines of your hmo park mm hmm dependable unions amount no no good nicole vanilla. Most hmo heart should have a maximum benefit limit per illness or injury per year. All right example yeah pretty honest or injury per year. Example if it s a wardroom accommodation that could start from fifty to seventy five semi private seventy five thousand per year for illness or injury per year up private room would be a hundred thousand which would be something like 125 150 thousand or even more.
What is a payment scheme for for each. I modi have debate and will be quarterly well it s always best to pay it on the annual mode. Because it s cheaper when you pay on the more frequent modes like semi annual quarterly and especially for monthly. There is a modal factor that is tucked in into the membership fees.
It s more expensive. We all know that kapaa glue gun major marrow must my personal quantum is much mahalo. So i don t put you i don t know you. By buying in abundance.
Afield health. Cassie. Psilocybin. Elena.
Baron. Oh. Me feel hurt. Enough.
When tico nevada. An hmo card. No photo poobah enormous maganda purina may fill health care plus. Me hmo card definitely much more medical hmo card in addition to your field health benefits to begin with number one everybody has feel help it s little and on how they feel help although i m go beer now and marathon kalugin.
Pamela hatton program or universal health care. Which encourages everybody everybody yeah to become members of phil phil health. Okay now assuming that you have been helpful ready. Everybody knows that phil health based on a case rates if they don t pay for the entire hospitalization.
There s a case rate. So most hmos will have their plans integrated with feel health isn t meaning to say when you go to the hospital for a confinement. And you re discharged. The first peso comes from good health may be simply greater beauty real health.
But it is not really that big especially now. It s case rate yeah so an example would be show you balance a poem a coupon. Important an hmo card on my locking balancing of welcome balances as a feel health portion is mini mind yeah something like that but very substantial already since the nucleus rates hmm came into play mmm hmm but see no boy you mama. Pima cotton and each time you employed or by everybody practically everybody we have any bid war plan.
Mm hmm hmm hmm. The man in the street. As long as you re able to pay the membership fees. Why not which is how much well an estimate would be something like eighteen to twenty thousand for somebody who is something like i nobody know like 35 years old it really depends on the obtained age of the person same age.
I don t need its annual animal. Even yes so once you be the annual fee automatic and you can use the card are you ready theoretically speaking. Yes. The moment you have your carter you you pay you pay for it you re giving the card and by all means.
If something happens you can put the hospital. Sir thomas. What you read unit alarm by erin good monami. Existing or pre existing socket rio.
Maga. Playa. Choukaku berger. Plato basilica on and poppin.
He made the pairing general checkup scylla parroting the new status eleven again and sir hm. Okay is a salon one hopper but not a play come got a man sama hmos in didn t well on a medical ok check out checkup okay and then reason that s the reason why most hmos do not cover for individual accounts for individual accounts. Do not cover preaches the conditions on the first year of coverage. Because the hmo does not know your health profile.
Ok. It accepts you so it does not cover pre existing conditions on the first year in turn upon renewal. They already know your health profile. So most hmos are going to cover your pre existing conditions provided.
It is very important provided. It is not part of the hmos executions because you can have a health condition that is an exclusion its pre existing. But it s an exclusions it s not also covered so important embossing and in palaemon. Okay what are producing conditions maybe.
This is something important registry conditions are number one you already know about it you re already getting medical care for it. Example example. Yeah. History is one of them example would be hypertension you know about it and you re now taking maintenance medicine.
You re taking for that for it maybe for the past five years so it s pre existing the other one would be you already it s evident to you already example would be lets say a chew more or a. You know bhopal you can see it in the mirror. As you look into the mirror every day. It s there already so that s number two the other the third one would be the pathogenesis of the disease has already started even before you bought the policy now example would be if you buy the policy.
Today. And we don t have any medical in examination of you and you don t know it much importance you genuinely do not know about it and say maybe waiting from now or a month from now you have stomachache and it when we you get examined it turns out to you you have gallbladder stones or your kidney stones. You genuinely do not know about it. But the pathogenesis of the disease.
Says that you already had that before you apply reason why at least for individual accounts. The hmo will not cover pre existing conditions on the first year of covering. Yeah. This is a verse this is different for corporate accounts because for corporate accounts.
The rule of the meeting. The rule of numbers. Play yeah. Meant.
Rasmus mara mica. Oh okay. Nice spread me new and racist. Not health.
So say some company. A let us say 100 or 200 kite na bang boom bang boom possible on ko and produced in condition spreading my over. I say nice spread more on risk he did a mallet and powder maybe you have bladder stones mykonos yep. So seguro is a or the lava or that no you get back very healthy.
So you know that s how it works yes. That s a good question yes for individuals even even em baby that s three months old mother. I m sorry yeah. A mother can they can enroll the child three months old four individuals up to age 60 60.
60 yes for corporate accounts. It s of course corporate. These employees yes. So i would imagine you get employed at 18 19.
20. From 20 years old to 865. Normally the retirement age. I m sorry.
Yeah yeah um. Before we let you go we would like to ask also i see you if you buy the policy for this year. And then you weren t able to use it except on the amount transfer. Me dependent dependent by own well hmos would offer coverages for principal members.
But of course you can also enroll your dependents for four individual accounts. It s called family account. Okay that the husband can buy and then this pendant would be the spouse and the children okay for corporate accounts is the same the employee is enrolled by the employer. Okay and the dependents the relatives of the employee becomes dependent.
But you know this is what i say all the time some people say for the person sent on hindi cumin on the gum. It i don t think it telling them assalamu yeah let s repair depending on contingency for executive check up it s funny well it s fine. I call. It s not called an executive check up under for individual accounts.
It s called physical annual physical examination but for corporate accounts there could be a system whereby an executive check up can be integrated into the plant. Yes. Thank you mr. Carlos lee.
The silvassa for an executive director. In an hmo association association of hm or in ” ..
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