BUHAY SA AMERIKA: Can I afford a health insurance in the Philippines? My health insurance research.

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  • Опубліковано 7 лис 2024

КОМЕНТАРІ • 494

  • @Kuya_Gil
    @Kuya_Gil 5 місяців тому +40

    My cheap advice.
    Be healthy and be positive about retirement in Philippines.
    Get your yearly general check up in States or in Canada.
    Have an exit plan for emergency health issues. Don't get stuck in the Philippines if your sick.

    • @Rofeal-f9o
      @Rofeal-f9o 5 місяців тому +5

      Tama po. Prevention is better than medication. O regular check up para pag may major health issue balik US at ipagamot doon.

    • @JunRoss-pp3mv
      @JunRoss-pp3mv 5 місяців тому +6

      You can be healthy & get in an accident. You can have yearly checkup in the US but what happens if your cancer started when you fly back in Pinas. 😄

    • @Kuya_Gil
      @Kuya_Gil 5 місяців тому +2

      @JunRoss-pp3mv God forbid this happens to you. But, You might as well buy a lottery if you know your fate!

    • @Darwin-dm7dx
      @Darwin-dm7dx 5 місяців тому +7

      I think the yearly check up in the Philippines is fine for now. I am still working here in the US but when I visit the Philippines I asked doctors there to do a general check up. Same cost here even with the insurance plus you get better service. People there are more caring

    • @RayMorales-k5v
      @RayMorales-k5v 5 місяців тому +1

      COVER all the bases as suggested exactly and plan ahead

  • @baikokointheuk
    @baikokointheuk 3 місяці тому +7

    We need more content like this❤ thank you so much for sharing ate G!

  • @lillyofthevalley7937
    @lillyofthevalley7937 5 місяців тому +8

    What a very thorough and impressive content you made !!!!
    Much appreciated and all the best.

  • @rhodalyncastro6434
    @rhodalyncastro6434 5 місяців тому +11

    Ms G! thank you for your hard work to share this very informative and very important vid. I have to save this one for my future reference.

  • @TheNYCexpat
    @TheNYCexpat 5 місяців тому +17

    health insurance here in The Philippines is hit or miss, I just made a video about it. cash is king here, because the insurances rarely cover entire costs and if you don’t have the cash sometimes they wont even take care of you

    • @friedapplepie1872
      @friedapplepie1872 3 місяці тому +1

      This is so true. My friend's father died because they did not have cash on hand for downpayment at the hospital and they would not take her credit card info. it was so sad.

    • @TheNYCexpat
      @TheNYCexpat 3 місяці тому

      @@friedapplepie1872 yea they need to do better with that. It certainly depends on the place and the doctor, but come on they shouldn't put money over people

  • @SharpWhite-b9l
    @SharpWhite-b9l 5 місяців тому +5

    This is a very important topic for pinoys who thought of retiring in the Philippines. Thank you for this video. 10 more years for me to do this.

  • @emiliecalleja9101
    @emiliecalleja9101 5 місяців тому +11

    Thank you so much ate Gi!!
    Been waiting for your latest vlog.
    This is so informative. May 10 years pa kami ng hubby ko to retire pero preparing and getting all information we can get thru online, people we know and helpful people like you.
    Thank you so much!!❤

  • @FreestyleTravelerz
    @FreestyleTravelerz 3 місяці тому +1

    As a seasoned FILAM finally embracing my Filipino roots & researching pre-retiring data such as health insurance in PH - this content is 100% of the data options I was looking for - I even forwarded to my family/friends. I'm glad I stumbled across your channel & will be checking out the rest of your videos. Salamat Ate Gi 🙂

  • @Jestpaxt
    @Jestpaxt 5 місяців тому +4

    This a very comprehensive video. You have done many a favor. Thank you.

  • @LAXAMAND
    @LAXAMAND 5 місяців тому +4

    Great info for those who need it! This was one of our biggest concerns as we plan to retire in PI for good in 4 years. Fortunately for my wife & I, I'm retired USAF & can use TRICARE Overseas Program with preferred/certified providers in PI. Our co-pay if it doesn't change is currently at 25% & our annual cost currently stands at $726.00/year.

    • @official_ate_gi_channel
      @official_ate_gi_channel  5 місяців тому

      thank you for your service po! you deserve all that care. thanks for watching!

  • @Jaycee3
    @Jaycee3 5 місяців тому +3

    Love the edits and your voiceovers, Ate. Can't wait to see the content when you guys are back home. We're in our 30s in Los Angeles but want to settle in the Philippines in our 40s. Recently came back from PI visiting white sand beaches and BGC, and we were blown away by the modernities, excellent restaurants/beautiful malls and obviously the beautiful beaches. We really do not have those things here in the US especially with the rising cost of everything (who's going to build beautiful and modern shops in this economy?), and maybe the closest white sand beach is Mexico, the other Hawaii which does not even compare to Palawan.
    All the best. Hope you all pull the trigger sooner than later. Time is short. You guys should just let that compound interest work since you guys invested, your upcoming SS and sale of the house/savings. Just pull the trigger!

    • @official_ate_gi_channel
      @official_ate_gi_channel  5 місяців тому

      💛💜 wow! retiring in your 40's! that's great!!! naguumpisa pa lang kami nung 40's kami eh kaya ngayon pa lang namin kayang mag-retire. in fact in a few years pa. enjoy your US journey and keep the dream alive! thanks for watching!

  • @alwaysInMotion001
    @alwaysInMotion001 5 місяців тому +5

    Thanks for this info - yes, it's true - health coverage is the biggest hindrance to folks in the US who want to retire. But there are options in the Philippines kung dual citizen ka.

  • @efrenpascual2256
    @efrenpascual2256 5 місяців тому +2

    Thorough research ang ginawa mo, ang galing. I am sure a lot people benefited from this research. Thanks for posting.

  • @Proserpina858
    @Proserpina858 5 місяців тому +9

    i appreciate the detailed research on costs. mas maigi na gamitan ng ibang criteria like in real life, how well do these insurance companies process claims.kasi all look good on paper. but kahit sa US, maraming horror stories pagdating sa bayad ng claims. also compared to other western countries, US does not have univ healthcare and is profit driven. if you're indigent then it is free but if no, then it is expensive. my sense is dealing with health insurance cos. in pinas is going to be more challenging compared to US and you have to be prepared to pay out of pocket. that is the trade off for attempting to have a robust quality of life in your remaining years. aanhin naman if relatively healthy but without a sense of community and fulfillment. that is not living. so be proactive in your diet and exercise and things within your control but ultimately take calculated risks in health arrangements. nothing is ever guaranteed anyway. think of many expats doing well there, walang roots, iba walang local spouse and on a budget and okay naman. have faith.

  • @tukmol1589
    @tukmol1589 5 місяців тому +20

    Due to insurance fraud, you still have to come up with cash up front, then claim after the services were rendered. This could take time due to documentation requirements. Make sure you have a lot of cash to cover your hospital bills because the insurance will not pay up front. Especially, when your provider is overseas.

  • @glyndapfundston6050
    @glyndapfundston6050 5 місяців тому +3

    I’ve been retired for 18 months now been traveling around and prior retirement I’m already eligible for Medicare part A and also elected to get part B. Aside having Medicare I also kept my health insurance from my previous employment where I retired from which was J&J. So I have a very good, if not best medical coverage I can get here in the USA with very affordable co-pay for hospitalization etc. I walked 4 miles every day around my neighborhood when weather permits and currently in the best of health no prescription medication of any kind whatsoever thank the lord🙏🏻Lately, I’ve been thinking about going back in the Philippines and live there as I have everything I needed, We have a beautiful home and transportation that are paid off in the province 🙏🏻 still what worries me is health insurance in the Philippines. I will do more research on pros and cons before deciding whether to move forward. Appreciated all the info and thanks for your hard work🙏🏻

    • @peter-pg5yc
      @peter-pg5yc 13 днів тому

      OK reality 80% of men get prostate cancer.. my treatment was well over 100k. 80% is a terrible number

  • @magdalenabasconcillo7807
    @magdalenabasconcillo7807 5 місяців тому +12

    Dito nalang ako sa USA. 81 yrs.old na ako at maganda ang health insurance. Nandito ang mga anakko. Wala akong anak sa Pilipinas.

    • @JunRoss-pp3mv
      @JunRoss-pp3mv 5 місяців тому +4

      We're lucky cuz all immediate family on both sides are in the US. Left Pinas when I was 15 yrs old. Been here for 58 years. We still visit Pinas every 3 or 4 years for vacation but not to retire.

    • @Pinipina
      @Pinipina 5 місяців тому +4

      Smartest way my friend, I am the same 😊

  • @ChiefTonyQB
    @ChiefTonyQB 5 місяців тому +2

    THANK YOU! I subscribed and shared your video to my HS classmates who are now FilAm here. Very informative and awesome research! You are AWESOOME "kabayan!"

  • @khakikyan5818
    @khakikyan5818 5 місяців тому +7

    Totoo yang sinabi niyo. Malayo pa ako sa retirement, iniisip ko na mas gusto ko umuwi sa Pinas pag panahon para mag retire. The best nga yung mag stock member, pero specific lang na mahospitalize ka most likely dun sa hospital na may stock ka. Kaya dapat dun ka din malapit nakatira in case of emergency. Marami na bang mga hospital sa Pinas na may stock option? Hopefully you can make a video about hospitals with stock options.

    • @abbies569
      @abbies569 5 місяців тому +1

      I will wait for video on hospitals with said option and how to avail. Thank you.

    • @ngajr7185
      @ngajr7185 5 місяців тому

      As I know stock options are for practising doctors. But for public, the Securities and Exchange Commission stopped one hospital from soliciting from public, stock membership without SEC-registration.

  • @mayangdee697
    @mayangdee697 5 місяців тому +1

    Thanks, Ate Gi! I finally decided to go with Pacific Cross because of your video. I also got Blue Royale B ☺

  • @mariapug
    @mariapug 5 місяців тому +4

    Thank you for doing the hard work in researching health insurance. My husband and I are in Texas, and we plan to go back to the Philippines. We are in our 60’s. Now I know about hospital stocks option which I plan to pursue. Salamat!

  • @theskinnypot
    @theskinnypot 5 місяців тому +10

    Eto rin concern namin sa retirement. Thanks for the info.

  • @LCTalens1
    @LCTalens1 21 день тому

    An eye opener for all, not just when one is about to retire, whether here or there because there is this wellness-illness continuum from the womb-to-tomb that partakes cost and expenses, then financial planning is one key to add in taking care of one’s health, be it in promoting health, preventing illness, treating a medical issue or concern, recuperating from hospitalization, or rehabilitating from a recent health challenges, on top of the possibility of getting hit, accidentally. Having a strong support system that are as equally as health conscious as all family members alike is highly encouraged.
    God bless for being so kind in sharing this video.

  • @evelynmead598
    @evelynmead598 5 місяців тому +5

    No matter what Insurance you choose just be careful because once you already confine dame ng mga charges minsan kahit di nila ginawa ang procedures meron naka charge so please read the bills at isulat lahat ang mga tinutusok sa Inyo pati mga ekg, ecg etc. so just be very careful

  • @leeanreyes1111
    @leeanreyes1111 5 місяців тому +2

    Can't wait to go back to the Philippines! 2&1/2 yrs more until my early retirement! Thanks for sharing this important information! 😊

  • @SheilaAA
    @SheilaAA 5 місяців тому +3

    Very informative. Thank you!
    This is definitely a deciding factor whether or not to retire in the Philippines

  • @eileenvergara4420
    @eileenvergara4420 5 місяців тому +2

    Thanks Gi! Another important and informative vlog which tackles the utmost concerns of retiring back home. Thank you for your advanced research. Kudos to another well made vlog!

  • @GioRoyale
    @GioRoyale 5 місяців тому +4

    Thank you for this very vital info. Everyone who's thinking or planning on retiring in the motherland is grapples with the reality that Pi could use some improvement on so many areas and this is on top of them. I myself am putting away money just for health care for when I move back. I wish you happiness on your journey back. Be well. 🤗

  • @loraqgui
    @loraqgui 5 місяців тому +2

    Thanks for sharing this info and your spreadsheet! Very much appreciated. I still would like to retire in the Philippines.

  • @bachpregil5902
    @bachpregil5902 5 місяців тому +1

    This deserves an award! Super informative. Thank you so much. Respect to you po. Stay safe.

    • @official_ate_gi_channel
      @official_ate_gi_channel  5 місяців тому

      awww..! salamat po. Famas ba? lol! i only want to help. thanks for watching!

  • @tomasitacubelo1030
    @tomasitacubelo1030 3 місяці тому +3

    Even without health insurance, I think the hospitalization in the Philippines is still a lot cheaper than in the US. My brother was hospitalized at the Lung Center in QC for more than 2 weeks and his payment upon his discharge came out to only about 100,000 pesos (private room) This is the total with SC and PhilHealth discounts. I went to an EENT and their fee was 1000 pesos and with SC discount, I just paid 750 pesos. So, just set aside extra money when you are there just in case you get hospitalized. It is cheaper than paying some insurance company. Also, Medicare will cover if it is an Emergency. Pay your bill first and Medicare will reimburse you.

    • @peter-pg5yc
      @peter-pg5yc 13 днів тому

      NO medicare will not go read. dont lie to peoples.

  • @bettybush8806
    @bettybush8806 5 місяців тому +3

    You absolutely, right?It's so hard to make a decision if we don't have insurance to go back home.That's something we have to think about ithank you👍🙏🙏

  • @tjcben1
    @tjcben1 5 місяців тому +1

    Thanks for a very well researched and detailed presentation. We are also considering repatriating in a couple of years. This should really help us plan and prepare.

  • @JunRoss-pp3mv
    @JunRoss-pp3mv 5 місяців тому +5

    The problem with health insurance in the Philippines is as you aged only few companies will cover you & if they do, the premium is sky high with limited coverage. As you aged you need medical insurance more cuz you'll have more health issues. The best medical knowledge, most up to date treatment & newly FDA approved medication are not available in Philippines.

  • @HannahMaeLicup
    @HannahMaeLicup 5 місяців тому +1

    Hello ate Gi! So thankful for the effort you put on this and for sharing them to us. I’ve been waiting for this since you mentioned it on your previous episode that you’ll be coming up with this topic about health insurance when retiring in the Philippines. I’ll be getting there soon and this is really a gem of information. All the best to you and your family!!😊

  • @charisepalomas4497
    @charisepalomas4497 5 місяців тому +2

    Hi Mam Gi 🥰 Your content is always informative… Thank you for sharing… Bless your heart! 🥰

  • @golondriz3
    @golondriz3 5 місяців тому +1

    Thank you. I needed this. You broke it down for us. Thank you.

  • @jessecortez9070
    @jessecortez9070 3 місяці тому

    Great job on this video, Gi! Very informative and helpful!

  • @FeydHarkon666
    @FeydHarkon666 13 днів тому

    Thanks for covering this ate.... Plan to come back ASAP but still investing

  • @SusanGonzales-s8t
    @SusanGonzales-s8t 5 місяців тому +2

    Thank you. This is informative specially now I will be retiring soon & been thinking of health issues.

  • @suzettearcilla8735
    @suzettearcilla8735 3 місяці тому

    Thank you for researching and sharing your wisdom!

  • @jing1528
    @jing1528 3 місяці тому

    Thank you for this info!.. I like your channel.. very informative.. keep sharing! 😊

  • @rosarioarquero-martin3461
    @rosarioarquero-martin3461 3 місяці тому

    Thank you this is very informative. I'm retiring in the Phils. for sure. I needed this bit of info. God bless.

  • @shirleyguzmanabad8707
    @shirleyguzmanabad8707 5 місяців тому +1

    Very informative po Ate Gi! The hubby and I retired early in the Philippines late 2022 and still come back to the US for preventative care but also looking for medical insurance options in the Philippines. A friend of ours there who works for a US company has Maxicare. We will look into that too aside from your options here. Thank you!!

  • @rodolfosantos1033
    @rodolfosantos1033 5 місяців тому +2

    Very helpful and informative. Thank you 👍

  • @fcsolis
    @fcsolis 5 місяців тому +2

    Do pushups and calisthenics all day. Practice strict caloric restriction. Sleep well. Bathe once a day, wash hands and face frequently. Brush after each meal. You'll be healthy as a marathoner, no sickness worries. Just me. Thank you.

    • @lzu2860
      @lzu2860 2 місяці тому

      Cancer could still strike at any time, unfortunately.

  • @rauldelossantos7700
    @rauldelossantos7700 5 місяців тому +2

    I also looked into this...since my US health insurance or medicare covers emergency...i figured i will just need air medical transport funds to be airlifted...for other services it is quite affordable...and even cheaper if you have senior discount like we do since we're dual citizens...also i continued my SSS phils which also covers some medical expenses...

  • @arlynndanao0166
    @arlynndanao0166 3 місяці тому +1

    You are right Ate Gi! Insurance are not really that dependable. If you are retiring in the Philippines, best option is Hospital Stock Option. Like Condos, Investment cost are not that expensive before hospital construction. For me its at least 2 years waiting. I'm in Quezon City. You can ask your Doctor-Friends for it. And yes the benefits you mention is almost the same with mine.

  • @AtTheIntersection
    @AtTheIntersection 5 місяців тому +2

    Thank you for your research. This is one of the deciding points for most immigrants coming back home. ❤

  • @dinoamador8682
    @dinoamador8682 3 місяці тому

    Thank you Ate Gi this is very informative.

  • @apamoleras554
    @apamoleras554 5 місяців тому +1

    Thank you so much for this!

  • @jadesantos5610
    @jadesantos5610 2 місяці тому

    I always look forward to your videos about retirement and preparing for retirement. Very well researched you did us a favor. Thank you !

    • @official_ate_gi_channel
      @official_ate_gi_channel  2 місяці тому

      I am always happy to know that people actually look forward to my videos. Thank you for always watching!

  • @cristinacasimiro624
    @cristinacasimiro624 3 місяці тому

    Thank you for your video.
    Is this Pacific Cross International
    or
    Pacific Cross Philippines ?

  • @Mariesandoval310
    @Mariesandoval310 3 місяці тому

    This is very informative. It is making me rethink about retirement altogether.
    I am 100% in agreement commenting that HEALTH is wealth. Stay healthy to avoid this astronomical cost of medical insurance. However, why it is called insurance because we never know what will happen at the end of the day, we need to love ourselves by staying HEALTHY ❤

  • @manilaloves
    @manilaloves 5 місяців тому

    Thanks, ate Gi! Matagal na ako naghahanap ng magandang video about retiring. Very helpful ❤

  • @Happywife226
    @Happywife226 5 місяців тому +1

    Helpful topic, thanks.

  • @felisak6053
    @felisak6053 4 місяці тому +1

    I also researched that Life insurance with living benefits can be useful in the Philippines. If you are not able to do the 5 daily activities, they can provide you monthly cash benefits based on your coverage. It covered chronic conditions, cancer, or any injuries that cause for you not to do the 5 daily living. Also, if you have flex spending account from fidelity you can use this as well for your medical expenses even if the clinical situation happened 4 yrs ago.

  • @carolinewick9496
    @carolinewick9496 2 місяці тому

    Great video. Reasonable affordable private healthcare prices. 😊

    • @official_ate_gi_channel
      @official_ate_gi_channel  2 місяці тому

      Thank you! It may not be affordable to everyone, but that's what I gathered from my research.

  • @27pumpkin65
    @27pumpkin65 5 місяців тому +2

    Thank you so much for sharing. Are hospital stock options still available for Asian Hospital or St. Luke’s BGC?

  • @olivegreen5918
    @olivegreen5918 5 місяців тому

    Thanks for sharing this!
    Just a random question po, what’s your camera? 😅Can’t help but appreciate your video editing and quality of the video. Thanks in advance!

  • @leahgayares5694
    @leahgayares5694 5 місяців тому +1

    Thank you po
    for the helpful information😊

  • @SamJone2024
    @SamJone2024 5 місяців тому +6

    This is exactly the reason why I’m staying put in Canada and just visit to PI once in a while. Canadian healthcare has it’s own issues but I never had to worry paying anything everytime I get admitted and I don’t want to bother with insurance in PI. I also like the North American lifestyle but if I slightly do the same lifestyle in PI but surrounded by poverty I can’t for the life of me be able to stand it. Imagine driving in a car in a hot weather and see homeless everywhere and I can’t even help to make their life better. It’s a sad reality, I wish I’m rich so I can setup a homeless shelter in PI even just a small carinderia to feed people.

    • @lillyofthevalley7937
      @lillyofthevalley7937 5 місяців тому

      Yes, need to endure and tolerate unsightly situations, and the feeling of helplessness to alleviate poverty. Lets just pray for them.
      30 y in Canada, and just came frim Pinas where the heat wave was extreme. I survived, the experience was authentic.

    • @SamJone2024
      @SamJone2024 5 місяців тому

      @@lillyofthevalley7937 I think for me it’s more about “buhay mayaman” in PI while surrounded by poverty. I’m not one to show off but here in North America I’m just normal but I’m also introverted and like my privacy and definitely don’t like attention to myself so living here definitely suits me better. I missed PI specially the beaches and food but hey there’s always trade off.

    • @trumpet-call1372
      @trumpet-call1372 5 місяців тому +1

      Ang dami na ring homeless sa america ..eron panga akong nakita video nakakatot mga tambay isang whole street addicts.

  • @MignonMendoza
    @MignonMendoza 4 місяці тому +4

    They are accepting US Medicare now in the Philippines, as well as Kaiser health insurance

    • @official_ate_gi_channel
      @official_ate_gi_channel  4 місяці тому

      Hi! Do you know what hospitals in the Philippines accept US Medicare? Thank you!

    • @ourtravellifevideos6885
      @ourtravellifevideos6885 4 місяці тому +1

      @@official_ate_gi_channel i heard from a husband’s niece who works at Blueshield Blue Cross, She said St Luke’s and i think the other one is Asian Hospital.

    • @ShaneEnriquez-u1b
      @ShaneEnriquez-u1b 3 місяці тому

      since when did Medicare is acceptable outside US po? As far as I know, per medicare, it doesnt apply if outside US… unless that’s changed very recently… thank you po..

    • @user.-_me
      @user.-_me 3 місяці тому

      Medicare part-C / medicare advantage plus cover worldwide medical emergency.

    • @ItsmeFlorRamillano
      @ItsmeFlorRamillano 3 місяці тому +1

      @@user.-_meno you have to pay from your pocket first then you can reimburse back to US

  • @iashakezula
    @iashakezula 3 місяці тому

    Thank you. When I travel back , I get the medical travel insurance.
    I don’t have plans to retire back in the Philippines because my benefits are here and my husband is not Filipino however those yearly costs is actually feasible…

  • @glammom415
    @glammom415 3 місяці тому

    Actually, health insurance is the number 1 consideration if we plan to retire sa Pinas. Thank you for the info. Will help me convince my husband😀

  • @airplanebuilder8685
    @airplanebuilder8685 5 місяців тому

    Thank you for doing the legwork. I am 62, retired military and we have Tricare for Life and VA but I am still intrigued by the options you have presented. Also, a lot of people focus on treatment; putting the focus on metabolic health, improved body composition (muscle-wise) and mobility will improve your quality of life in your later years. Salamat.

    • @official_ate_gi_channel
      @official_ate_gi_channel  5 місяців тому

      Thank you for your service po!!

    • @thasarg4288
      @thasarg4288 5 місяців тому

      I too have tricare and I'm retiring to Cavite in September from Las Vegas I want health plan there too For me wife and 31 year old son

    • @official_ate_gi_channel
      @official_ate_gi_channel  5 місяців тому

      You deserve all the care lined up for you. Tricare, VA. At may VA sa atin that can take care of you, I’m sure you know. Salamat po for watching. And thank you for your service. 🫡

  • @carmelternia9381
    @carmelternia9381 5 місяців тому

    Thank you so much for this very good info. Eventually, i'll be retiring in the Phils. couple of years from now. I'm not familiar with this Stock Option but for me, this is a good choice. Ms Gi, may i ask a question ; the benefits you mentioned in Stock Option is attractive, is it the same w/ other big hospitals nationwide or only in Manila? Thanks again. Good luck & Stay healthy. God bless.

  • @KaILOCO
    @KaILOCO 5 місяців тому +2

    Thank you for sharing ❤

  • @nitadmp6255
    @nitadmp6255 4 місяці тому

    I like your video you clearly elaborate what is the cost difference between US and Philippines and the services.. very informative thank you.

  • @atomyfusionteam.8330
    @atomyfusionteam.8330 Місяць тому

    Great job with blogging this info.

  • @paengguin9381
    @paengguin9381 5 місяців тому +60

    Due to horror stories dealing with insurance companies in the Philippines, I don't trust them. At least in US, they can be sued by anyone, people have rights. Also, PhilHealth is fine for now, but with continued massive corruption, I do not know if it will still be there when the time comes that people need it.

    • @rachelboticario4761
      @rachelboticario4761 5 місяців тому +5

      Wen me and my husband retired in Philippines nagamit nman iyong health insurance from USA nagamit ko rin iyong philhealth ko

    • @paengguin9381
      @paengguin9381 5 місяців тому +3

      @@rachelboticario4761 where do you live? Depende yata sa lugar o sa ospital sa Pinas at kung anong klaseng US health insurance. I heard some hospitals accept US health insurance but you have to pay first and then file a claim for reimbursement later through US health insurance para mabawi iyong binayad mo sa ospital sa Pinas.

    • @RayMorales-k5v
      @RayMorales-k5v 5 місяців тому +2

      Exactly. Most of the time to get reimbursement from US health insurance, the international hospitals must be JCI-approved facility

    • @paengguin9381
      @paengguin9381 5 місяців тому

      @@RayMorales-k5v good to know. Thanks.

    • @MynameisNOBODY-jp6mk
      @MynameisNOBODY-jp6mk 5 місяців тому +5

      i don’t think non-filipino citizens are qualified for Philhealth…

  • @teamkaskas
    @teamkaskas 5 місяців тому

    Maraming salamat po mam. Will share this info to my friends and loved ones

  • @carmenarmstrong344
    @carmenarmstrong344 3 місяці тому

    Thank you for sharing, great information!! I live here in the US and I will be retiring soon and planning on getting the hospital stock option. A friend of mine have that, she live in the Philippines, so if you will need that let me know and perhaps my friend and I could help.

  • @independentjohn
    @independentjohn 5 місяців тому

    Ang ganda po ng voice over nyo ate ghi,,, just came across to your channel or perhaps youtube suggested it 😊

    • @official_ate_gi_channel
      @official_ate_gi_channel  5 місяців тому

      Thank you! 🤗

    • @venerpaez5527
      @venerpaez5527 5 місяців тому

      Just came across this channel. Very informative thank you for doing the research and sharing with us. Much appreciated. Take care and God bless.

  • @brianstarfire
    @brianstarfire 5 місяців тому

    thanks, very useful info!

  • @apamoleras554
    @apamoleras554 5 місяців тому

    Would absolutely love an update video. Hopefully you'll be able to get the hospital stock option. Thank you again!

    • @MynameisNOBODY-jp6mk
      @MynameisNOBODY-jp6mk 5 місяців тому

      not all hospitals will cater to foreigners as stock options investors.. this type will give you only discounts on hospital services not free..

  • @raymonddee1059
    @raymonddee1059 2 місяці тому +1

    Life style in Pi keep u strong and healthy

  • @miaburkhart
    @miaburkhart 5 місяців тому

    Thank you for the information so what would you prefer?

    • @official_ate_gi_channel
      @official_ate_gi_channel  5 місяців тому +1

      like what i said in the video, i prefer to get a stock option, if I find one. if not, i will probably consider AXA. but i might bring down the maximum overlimit to brng the premium down.

  • @emmarn2838
    @emmarn2838 5 місяців тому

    Hello Ate Gi. Thanks for the video. May I ask where I can buy the hospital stock?

    • @official_ate_gi_channel
      @official_ate_gi_channel  5 місяців тому

      Hi. You need to get a stock from a hospital near you for emergencies. Call them and ask if they have stocks for sale and ask for their benefits.

  • @Mixvlogsinthedecade
    @Mixvlogsinthedecade 5 місяців тому

    OMG!!!! Thank you so much for this video Madam, maganda ang Hospital Stocks para sa akin .... need pag ipunan to

    • @official_ate_gi_channel
      @official_ate_gi_channel  5 місяців тому +1

      sa akin din po, yun ang gusto ko. sana makahanap tayo.

    • @Mixvlogsinthedecade
      @Mixvlogsinthedecade 5 місяців тому

      @@official_ate_gi_channel opo saka nagrresearch po ako regarding this.. thanks to you po

  • @topaztowers
    @topaztowers 5 місяців тому

    appreciate this video and a big help for us for our future retirement decision. I wish you well.

  • @TheHonorio5
    @TheHonorio5 3 місяці тому

    Nearly the same with other known insurance here in PI..Some of them maxicare, medicard, ucpb and there are others still and growing but you still need to check them out.

  • @okamsug
    @okamsug 5 місяців тому +1

    If you have a serious medical emergency and you are brought to the best hospital in pinas, your insurance won't be enough. If you have a chronic medical condition you'll know pretty much as to how much you'll be spending on maintenance, tests and check up every month to keep you well and alive while in pinas.

    • @MynameisNOBODY-jp6mk
      @MynameisNOBODY-jp6mk 5 місяців тому

      you can always go back
      to US is needed😊like regular check up

  • @omgorion9810
    @omgorion9810 5 місяців тому

    ATE GI....."THANK YOU" for providing us with this much needed information. This is very helpful for those who might want to retire in Philippines. Your information is very thorough and makes it easier for us to decide.
    THANK YOU..

  • @MerciMercibrice
    @MerciMercibrice 5 місяців тому

    Ms.G, thank so much for your input about health insurance coverage when planning to retire in our homeland Philippines. Since you have mentioned some of insurance companies that doing business in our country I would love to know if we can use such insurance to any private hospitals around the country

    • @official_ate_gi_channel
      @official_ate_gi_channel  5 місяців тому

      Yes, they can be used in private hospitals in the Philippines. Check out the spreadsheet in the video description. It has links to the hospital affiliations of the health insurance companies. Thanks for watching.

  • @rafaelg4566
    @rafaelg4566 5 місяців тому

    Thank you for this helpful video. I'm like you someday my wife and I would be partially retiring in the Phlippines 6 months out of a year - every year.

  • @preciousmoments5821
    @preciousmoments5821 5 місяців тому

    Very informative thank you for sharing po 😊

  • @MaryLouFletcher
    @MaryLouFletcher 4 місяці тому

    Thank you so much for this. I hope there is something for other ages, like 50 or 50 years old. For some relatives in the Philippines.

  • @IMELDACASTRO-gj3mx
    @IMELDACASTRO-gj3mx 5 місяців тому

    Hello. Thank you for your very informative videos. I just want to know if the insurance with Pacific Cross is a direct bill to the hospital or doctors in the Philippines or I need to pay for it first and get reimburse here in the US. Thanks.

    • @official_ate_gi_channel
      @official_ate_gi_channel  5 місяців тому

      from the comment of one of the viewers here, he said even if there's insurance coverage, we have to have some cash for deposit. i'm not sure if we need to pay the entire bill first then apply for reimbursement. i didnt get to the claim processes po eh. sorryy. thanks for watching!

  • @ItsmeMimimg
    @ItsmeMimimg 4 місяці тому

    Ate, nag binge watch ako sa mga videos nyo, am a subscriber na and nurse too here sa Texas, 2 grown kids too

    • @official_ate_gi_channel
      @official_ate_gi_channel  4 місяці тому +1

      I am touched. Salamat for watching my videos ha! 😘

    • @ItsmeMimimg
      @ItsmeMimimg 4 місяці тому

      @@official_ate_gi_channel will watch the remaining videos pa Teh

  • @Xavi_03
    @Xavi_03 5 місяців тому

    Thanks for sharing this informative and helpful content! Goes to show that you don’t need to deplete ALL your savings when you get seriously ill in PH.
    You can save up and prepare for it in advance through health insurance (if you can afford it).

    • @official_ate_gi_channel
      @official_ate_gi_channel  5 місяців тому

      yes, that's the idea. earmark some savings for health insurance in the future. thanks for watching!

  • @carmelausf8768
    @carmelausf8768 5 місяців тому

    Thank you ate Gi ❤

  • @gylecruz7902
    @gylecruz7902 5 місяців тому

    Thank you for sharing very informative information in health insurance if thinking of retiring in the Philippines like me. God bless!

    • @official_ate_gi_channel
      @official_ate_gi_channel  5 місяців тому

      God bless you as well. salamat po!

    • @teresa8363
      @teresa8363 5 місяців тому

      I have to watch it again. This time I won’t skip adds. One add was 10 minutes long. You have quite a few adds. But I needed to watch the info asap. Thank you for this.

  • @jasperjohndejesus8898
    @jasperjohndejesus8898 5 місяців тому +1

    Try out Paramount insurance. We got one for my mom nasa 70s na xa. Reimbursement basis ung set up you can pay quarterly monthly or annual. Quarterly payment is P2100++. All HMOs here do not cover 60 yrs old above. All you mentioned are too expensive po.

    • @official_ate_gi_channel
      @official_ate_gi_channel  5 місяців тому

      ang mahal nga nila eh. i wll probably bring down the overall annual limit to bring the premium down. your paramount insurance plan has a great price! how much is the annual coverage limit or oveall maximum limit? thanks for watching!

  • @ambesyosa
    @ambesyosa 5 місяців тому

    very informative maraming salamat po!

  • @rimenboller8611
    @rimenboller8611 5 місяців тому

    Thank you for sharing
    Enjoy your retirement and long healthy life

  • @FrancisRivera1231
    @FrancisRivera1231 2 дні тому

    Ate g, the premium payment of $3k plus for health insurance is one time payment and it covered for one year benefit ?

  • @peanutshell9405
    @peanutshell9405 5 місяців тому

    Wow thanks for covering this topic. I wonder if the hospital you chose will balance bill you kahit may contract na sila sa health insurance sa Pinas?? You, know it is not like in the US once they contract agreement sa health insurance eh di pwedeng mag balance bill except for expected co-payment ng patients, which is an agreement between health insurance and insurer. I think this is a good question na need itanong sa insurance company before the surprise bills from the hospital.

  • @nicholasdeguzman4241
    @nicholasdeguzman4241 5 місяців тому +1

    Nice very informative.you should mention too.the senior advantages from US.at the age of 65 .they will cover emergency treatment even you are in the Philippines. I always advice that have an emergency fund. Goodluck

  • @melissaoostendorp3623
    @melissaoostendorp3623 5 місяців тому

    I appreciate so much providing us with this informative video about health insurance options. We also understand that we get insurance to cover for the medical expenses that will really get you bankrupt if you didn't have coverage .. the dreaded diseases because yung routinary expenses sa hindi malubhang sakit kaya naman i-self insured.

    • @official_ate_gi_channel
      @official_ate_gi_channel  5 місяців тому

      totoo po yon. that's why we're trying to save for that possibility na magka malubhang sakit kami. thanks for watching!

    • @melissaoostendorp3623
      @melissaoostendorp3623 Місяць тому

      @@official_ate_gi_channel How did you contact these companies, is it through their website or through an agency?

    • @official_ate_gi_channel
      @official_ate_gi_channel  Місяць тому

      @@melissaoostendorp3623 Hello! I inquired frm the insurance companies and asked them to give me a quote for a 60 year old female, non-smoker.