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.
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
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
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.
@@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
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!!❤
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 🙂
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.
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!
💛💜 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!
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.
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.
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.
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🙏🏻
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.
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!"
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.
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.
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!
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.
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
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!
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. 🤗
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.
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.
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.
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!!😊
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!!
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.
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...
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.
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 ❤
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.
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!
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.
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.
@@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.
@@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.
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..
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…
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.
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. 🫡
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.
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 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.
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.
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.
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.
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.
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..
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
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.
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.
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.
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!
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).
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.
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.
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!
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.
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
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.
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.
Tama po. Prevention is better than medication. O regular check up para pag may major health issue balik US at ipagamot doon.
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. 😄
@JunRoss-pp3mv God forbid this happens to you. But, You might as well buy a lottery if you know your fate!
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
COVER all the bases as suggested exactly and plan ahead
We need more content like this❤ thank you so much for sharing ate G!
What a very thorough and impressive content you made !!!!
Much appreciated and all the best.
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.
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
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.
@@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
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.
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!!❤
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 🙂
This a very comprehensive video. You have done many a favor. Thank you.
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.
thank you for your service po! you deserve all that care. thanks for watching!
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!
💛💜 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!
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.
Thorough research ang ginawa mo, ang galing. I am sure a lot people benefited from this research. Thanks for posting.
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.
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.
thanks for the tip! thanks for watching!
Tama po.
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🙏🏻
OK reality 80% of men get prostate cancer.. my treatment was well over 100k. 80% is a terrible number
Dito nalang ako sa USA. 81 yrs.old na ako at maganda ang health insurance. Nandito ang mga anakko. Wala akong anak sa Pilipinas.
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.
Smartest way my friend, I am the same 😊
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!"
Awwwwsome! salamat kabayan, for watching, for sharing!!
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.
I will wait for video on hospitals with said option and how to avail. Thank you.
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.
Thanks, Ate Gi! I finally decided to go with Pacific Cross because of your video. I also got Blue Royale B ☺
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!
salamat din po for watching. glad it gave you some ideas.
Eto rin concern namin sa retirement. Thanks for the info.
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.
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
😁really?
Can't wait to go back to the Philippines! 2&1/2 yrs more until my early retirement! Thanks for sharing this important information! 😊
Very informative. Thank you!
This is definitely a deciding factor whether or not to retire in the Philippines
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!
my pleasure! thanks for watching!
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. 🤗
Thanks for sharing this info and your spreadsheet! Very much appreciated. I still would like to retire in the Philippines.
This deserves an award! Super informative. Thank you so much. Respect to you po. Stay safe.
awww..! salamat po. Famas ba? lol! i only want to help. thanks for watching!
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.
NO medicare will not go read. dont lie to peoples.
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👍🙏🙏
you're welcome!
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.
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.
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!!😊
😊 so happy to be of help. my best to you and your famly as well!
Hi Mam Gi 🥰 Your content is always informative… Thank you for sharing… Bless your heart! 🥰
thank you 💜
Thank you. I needed this. You broke it down for us. Thank you.
Great job on this video, Gi! Very informative and helpful!
@@jessecortez9070 thank you!
Thanks for covering this ate.... Plan to come back ASAP but still investing
Thank you. This is informative specially now I will be retiring soon & been thinking of health issues.
glad that it is helpful to you. thanks for watching!
Thank you for researching and sharing your wisdom!
Thank you for this info!.. I like your channel.. very informative.. keep sharing! 😊
Thank you this is very informative. I'm retiring in the Phils. for sure. I needed this bit of info. God bless.
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!!
You're welcome. Thanks for watching!
Very helpful and informative. Thank you 👍
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.
Cancer could still strike at any time, unfortunately.
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...
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.
Thanks for sharing!
Thank you for your research. This is one of the deciding points for most immigrants coming back home. ❤
I'm glad you found the research helpful! thanks for watching.
Thank you Ate Gi this is very informative.
Thank you so much for this!
I always look forward to your videos about retirement and preparing for retirement. Very well researched you did us a favor. Thank you !
I am always happy to know that people actually look forward to my videos. Thank you for always watching!
Thank you for your video.
Is this Pacific Cross International
or
Pacific Cross Philippines ?
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 ❤
Thanks, ate Gi! Matagal na ako naghahanap ng magandang video about retiring. Very helpful ❤
Glad you found it helpful. thanks for watching!
Helpful topic, thanks.
Glad it was helpful! thanks for watching.
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.
Thanks for sharing!
Great video. Reasonable affordable private healthcare prices. 😊
Thank you! It may not be affordable to everyone, but that's what I gathered from my research.
Thank you so much for sharing. Are hospital stock options still available for Asian Hospital or St. Luke’s BGC?
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!
Hi! I have no camera. Just an iPhone. Thanks for watching. 💙💜
Thank you po
for the helpful information😊
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.
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.
@@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.
Ang dami na ring homeless sa america ..eron panga akong nakita video nakakatot mga tambay isang whole street addicts.
They are accepting US Medicare now in the Philippines, as well as Kaiser health insurance
Hi! Do you know what hospitals in the Philippines accept US Medicare? Thank you!
@@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.
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..
Medicare part-C / medicare advantage plus cover worldwide medical emergency.
@@user.-_meno you have to pay from your pocket first then you can reimburse back to US
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…
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😀
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.
Thank you for your service po!!
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
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. 🫡
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.
Thank you for sharing ❤
I like your video you clearly elaborate what is the cost difference between US and Philippines and the services.. very informative thank you.
Glad it was helpful!
Great job with blogging this info.
Thank you!
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.
Wen me and my husband retired in Philippines nagamit nman iyong health insurance from USA nagamit ko rin iyong philhealth ko
@@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.
Exactly. Most of the time to get reimbursement from US health insurance, the international hospitals must be JCI-approved facility
@@RayMorales-k5v good to know. Thanks.
i don’t think non-filipino citizens are qualified for Philhealth…
Maraming salamat po mam. Will share this info to my friends and loved ones
thanks for watching and for sharing!
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.
Ang ganda po ng voice over nyo ate ghi,,, just came across to your channel or perhaps youtube suggested it 😊
Thank you! 🤗
Just came across this channel. Very informative thank you for doing the research and sharing with us. Much appreciated. Take care and God bless.
thanks, very useful info!
Would absolutely love an update video. Hopefully you'll be able to get the hospital stock option. Thank you again!
not all hospitals will cater to foreigners as stock options investors.. this type will give you only discounts on hospital services not free..
Life style in Pi keep u strong and healthy
Thank you for the information so what would you prefer?
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.
Hello Ate Gi. Thanks for the video. May I ask where I can buy the hospital stock?
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.
OMG!!!! Thank you so much for this video Madam, maganda ang Hospital Stocks para sa akin .... need pag ipunan to
sa akin din po, yun ang gusto ko. sana makahanap tayo.
@@official_ate_gi_channel opo saka nagrresearch po ako regarding this.. thanks to you po
appreciate this video and a big help for us for our future retirement decision. I wish you well.
my best to you as well. thanks for watching!
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.
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.
you can always go back
to US is needed😊like regular check up
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..
thank YOU for watching. I'm glad it is helpful to you.
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
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.
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.
Very informative thank you for sharing po 😊
Glad it was helpful! thanks for watching.
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.
I hope so too!
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.
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!
Ate, nag binge watch ako sa mga videos nyo, am a subscriber na and nurse too here sa Texas, 2 grown kids too
I am touched. Salamat for watching my videos ha! 😘
@@official_ate_gi_channel will watch the remaining videos pa Teh
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).
yes, that's the idea. earmark some savings for health insurance in the future. thanks for watching!
Thank you ate Gi ❤
Thank you for sharing very informative information in health insurance if thinking of retiring in the Philippines like me. God bless!
God bless you as well. salamat po!
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.
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.
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!
very informative maraming salamat po!
Thank you for sharing
Enjoy your retirement and long healthy life
salamat po!
Ate g, the premium payment of $3k plus for health insurance is one time payment and it covered for one year benefit ?
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.
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
thank you for the tip! and thanks for watching!
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.
totoo po yon. that's why we're trying to save for that possibility na magka malubhang sakit kami. thanks for watching!
@@official_ate_gi_channel How did you contact these companies, is it through their website or through an agency?
@@melissaoostendorp3623 Hello! I inquired frm the insurance companies and asked them to give me a quote for a 60 year old female, non-smoker.