HMO FOR BEGINNERS | HEALTH MAINTENANCE ORGANIZATION 101 PHILIPPINES | What you need to know
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- Опубліковано 19 чер 2024
- We’re finally talking about HMOs! The basics, why it’s important, the difference between Health insurance and HMO, How to get one, requirements, and many more!
Dealing with personal finances, especially since it’s not taught in school can be quite hard and confusing. I hope this video and this channel will help you out in the challenges we are facing right now with personal finance, entrepreneurship and adulting in general.
►Outline :
0:00 - Intro
1:00 - What is an HMO
1:25 - Terms to Note
4:14 - HMO Coverages
5:33 - HMO vs Health Insurance
6:24 - Types of HMO
9:07 - Why one should get an HMO
11:29 - Requirements
11:48 - PROS
14:19 - CONS
16:47 - Final Thoughts
►Sources/Links
► www.maxicare.com.ph/
► hrnation.ph/philippine-hmo-fa...
► grit.ph/hmo/
► www.bworldonline.com/what-you...
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Disclaimer:
This video and description contains affiliate links where I may or may not receive a commission. This helps support the channel and allows me to continue to make videos such as this. I am not a financial advisor. Always do your due diligence.
KEYWORDS:
HMO Philippines, HMO 101, HMO for beginners, Adulting 101, How to Adult, Personal Finance, HMO ph, Maxicare, MyMaxicare, HMO, Individual HMO plan, HMO for self employed, affordable HMO, health insurance vs HMO, health insurance, health card, prepaid health card, Health Maintenance Organization, PhilHealth, Insurance Philippines, ready2adult ph, charm de leon
Learn more on how you can start investing on you and your loved ones' worry-free lifestyle by clicking this link: www.maxicare.com.ph/healthcare-program-for-me-and-my-family/my-maxicare/
Wow thank you for the wonderful infos. Thank you po 🥰
Hi Ms charm. I'm interested to take a HMO but may tanong lang ako pwede mag apply ng HMO kahit ung philhealth ay NHT's meaning philhealth ng Masa which is free from government and renewable yearly. And also dependent lang ako dahil sa asawa ko naka name ung philhealth. Thank you po
Thanks so much for providing much needed information! Much appreciated.
THANK YOU THANK YOU for thinking of us self-employed people ❤️
Of course! We’re on the same boat! Hehe
Well explained! Thanks, Charm! ♥♥♥
I want to say thank you. You are amazing. I appreciate all your knowledge and thank you for sharing it. It has helped me a lot. I am an advocate in the healthcare insurance field for HMOs. You’ve made things more understandable for me as I learn this new industry.
I wish you much success and all you choose to do .
I really love the way how you discuss it 🥰🥰
Super helpful. Thank you for this vid
Thank you Charm, very well explained . I like how you covered each section so clearly. Keep it up with the great content!
Getting individual hmo plans could could get tricky, they said that there's a lot of common diseases(Pre-existing conditions) that aren't covered with using the HMO for an individual plan unlike with HMO when you're employed where there's no limit to which diseases are covered. Hoping for a next video on how you chose your HMO and what were your choices
update about this please
Yes po, update this please
Yes script nila yun kapag nakita nila individual ka agad nila sasabihin pre-existing condtion. Pero pwede siya ilaban magaask sila ng mga bloodchem, etc to prove na hindi siya pre existing
wow! super great content!! kakatuwa. can you please do a review/comparison din po of medical insurances like pacific cross or kaiser? or what medical insurances/hmo we can look for our senior parents. thank you! more power to your channel!
yeyyyyyy new videooo 😊😍 Thank you for thisss 😊
thank you Ms. Charm
THANK YOU AND GOD BLESS
Thanks , I love your video❤❤
Love love ur videos. Thank yuo
Very Informative! Thank you
Glad it was helpful!
Hello Charm!
Wowww My Maxicare covers pre-existing?? 😮
Ms. charm , ur video is great..wats ur take with Caritas ?
greatly explained! ^_^
I am self employed thank you
can you talk about hospital stocks? and where to invest? thanks!
$Medic and $MPI have some exposure in medical industry.
Hi Ms. Charm thank you for the video, just to confirm much better to purchase HMO even were self-employed right? Thank you for the answer
It really depends on your needs but generally yes kasi it serves a different purpose from health/life insurance din.
how do u apply for medical bill reimbursement? where can i get the form?
Mag vlogmas ka rin ba Charm? Hahah exciting 🤗
Haha! I don’t know what/how to vlogmas 😅😂
Teka lang. Pa drop naman ng skincare. :D
😂😂 only Kiehl’s touches my skin haha
How much the membership fee ? Is it renewable every year? You only mention the coverage.
Can you talk about group life insurance provided by employer
Ahso pag na stroke or nagka cancer hndi ma ccovered? Kuha sana ako maxicare pero kung d pwede sa dalawang yan maghahanap nlang me ibang private insurances
For individual HMO plan, best is Pacific Cross.
Better po than maxicare? Covered po ba pre existing conditions?
@@Ian-sj7up Pacific Cross doesn’t cover Pre-existing conditions. And this is permanent exclusion from your coverage. Hope this helps.
hi.can i enroll my self in hmo even i im employed?i mean for my self that not going to my company?
Why would you get an HMO limited to 200k when you could get health cards that give higher coverages at almost same rate? and diba Avega and Intellicare has the highest network? not sure, nabasa ko lang somewhere
Covered din po ba ng hmo ang raspa?
Gusto ko mg pa labtest using HMO ? Can you advise where?
Hello. Does philhealth share the cost with HMO for outpatient transactions?
Hello, Philhealth only covers emergency and in-patient / confinement charges of active members.
Hi, Philhealth only covers emergency and in-patient confinement of active members.Hope this helps!
Can you share your HMO products? Please 🙏
Hello po, im about to finish my life insurance payments and next target ko is on health naman..which is better to prioritize between hmo and health insurance? Unless my income increases, I can only afford one right now unfortunately huhu. Thank you 😊
It is really depends on ano ang mas important sayo, Critical Illness ba or preventive health care lang like lab costs consultations and emergencies.
Start your health insurance then maybe for HMO, bili ka nung affordable lang around 3-6k sa lazada (maxicare, etc.)for emergencies,
Miss charm pls give link for maxicare. Thnx
www.maxicare.com.ph/healthcare-program-for-me-and-my-family/my-maxicare/
ask lang, worth it pa ba mag activate ng Maxicare HMO if malapit na ko mag resign sa company?
I'm curious if Maxicare is still considered a good option in 2024.
Kailangan ko parin bang kumuha ng Life insurance, Health insurance, SSS, Pag-ibig if ever sundalo ako. Kasi meron naman ganyan ang mga sundalo diba?
Only pre natal and post natal consultations are covered in HMO. Laboratories for pregnant women are not covered.
Why
If over 65...can we enroll HMO, maxicare?
Hello po. My father is currently unemployed and he is a dependent of my mom sa philhealth. Will maxicare accept it in case he gets hospitalized or need talag mag open ng philhealth volunteer account for him?
Pwede dependent if married 🙂
So you can’t apply for hmo without philhealth?
Does my children also get the same benefits as mine?
You can choose which package you will get for them
how to apply
Samin kasii walang fill Up .
Bigay lang tapos Kaltas
Ang matindi po samin
Eyy company den po namin
Ang may Hawak nang Aming
HMO .
Pag kakaalam kopo kasii
Sa ibang Company po kukunin
Po yan ehh . At may exp po
Saken po kasii
5years na pero hindi pa
Na expired .
At hindi po sila
Nag cocovered nang Laboratory
Like MRI .
Need pa daw EMERGENCY at hindi
Daw pwede Out Patient
Pano po yun may case po ba
You mentioned PhilHealth, I'm not paying my contributions for PhilHealth but I'm planning to buy an HMO insurance. Does it mean that I need to pay my PhilHealth contributions first before buying an HMO insurance?
Yes po 💯
You can avail of HMO plan even if you’re not a Philhealth member. However in the event that you get hospitalized, the supposed Philhealth share in your charges will be covered by you as an out-of-pocket expense. Your HMO provider will only cover the charges net of Philhealth share. Hope this helps.
Hi Ms. Dependent ako sa husband ko ng philhealth nya pero ang philhealth nya ay NHT'S provided by the government renewable annually. Is there a chance I can apply HMO pa din?
Okay lang bang mag apply ng HMO if yung asawa ko lang naghuhulog ng PhilHealth then sa akin lang yung HMO?
mam employee po ako may maxicare po ako galing sa company
sakop po ba nito ang varicose veins?
Yes. Schelotherapy is part of the benefits but on a certain limit. Consult your HR.
I mam how about Kaiser its good hmo provider ?
Yes, it's a good HMO provider, ma'am.
Pwedi sa sunod Tagalog😁
Miss charm, do HMO have maternity benefits?
Yes, but usually for pre natal lang
@@CharmdeLeon miss charm, can I use my HMO like maxicare for my wife or parents and also to my siblings?
For individual, NOPE but for company, they can add it to their benefits. Individual plan is non comparable with corporate plan.
Hi, Ms. Charm! Ilang months po after approval of membership pwede na magamit ang HMO?
Depends but usually 3-6 months
@@CharmdeLeon correction from the first day of membership you use your HMO.
Charmsendmo yung order ko ha kc kailangan ko yun paspasyal kami sa 17 thank
Ung panganganak po covered po ba?
Depende po sa policy ninyo. But usually pregnancy related is not covered..
ung company hmo namin half binabayaran ng company tapos ung half kinakaltas sa sahod namin tama lng ba un??
Depende sa policy ninyo. Usually may counterpart ang employer at employee..
Can you please a video for senior citizen HMO po? meron po ba?
What umalis kana sa company pwede pa Rin ba magamit Ang hm0?
Nope, since your HMO is corporate-based, once aalis ka sa company surrender mo rin ang HMO mo..
I love your videos but the thumbnails are distracting. Maybe you can try one without your mouth wide open
Pwede tgalog?
Mas maganda po ang longterm healthcare (HMO) kasi hindi kna po magrenew every year, tsaka life time napo yung coverage.
Hello po, like anong Hmo? Plan to get po. Thank you po
That's true. Meron na ako nyan.
@@pepaymayoh5317 hello po. I can give you details about a longterm healthcare. Pm me nalang po thru fb.
@@dorissam5833 what company po? Planning to purchase a plan po kasiako.
@@paulinecustodio367 HMO is not for long term. The plan is only good for one year. Then kanilang mong kukuha ulit ng HMO para covered ka pa rin for the next year. Though meron naman pong Health insurance na with HMO benefits po sa AIA.
Im covered hmo by the company pwede ko sya gamitin pang pa braces?
You should ask your HMO company or even the dental clinic if included ba yan sa plan mo. Usually kasi hindi yan covered nila.
Braces aren’t considered medical treatment. By usual standards kasi, for aesthetic purposes kaya nagpapabrace. So hindi po magagamit ang HMO sa pagpapacheckup or pagpapa-adjust ng braces. If you’re enrolled in a corporate account, check with your HR for your coverage details. Hope this helps!
So disappointed with my HMO, me and my business partners got our personal MEDICARD paid annually but here in Bataan they do not honour this HMO, we should pay the service first (Annual physical exam, dental check, etc) before we can use it and just file a refund to reimburse such a BIG hassle. 😩
Usually, it’s by reimbursement unless you have an LOA (letter of authority).
Good day!
If you want to change your HMO provide, I’m HMO HealthCare consultant 🙋🏻♀️
Hi. Also from Bataan. I want to get an HMO but there are limited/ no accredited clinics here. I'm curious, did you change your HMO?
@@crisdevilla6056 hello can i get hmo for my daugther in ph? Im ofw po
@@crisdevilla6056 hi details im interested