Philhealth, Gobal Ins, Or Self Insure?

[jpbago]

 

 

Total cost was 163,500p and Philhealth paid 11,200p of that.

 

That's a good example of what PhilHealth pays and 40% goes direct to the doctor. It's not comprehensive unless you're classified poor. But I thought read in the paper recently that PhilHealth was covering 100% for dengue treatment.

I suppouse not treated in private hospitals or if chosing private room.

 

The hospital had no rooms available at first so they put her in emergency for 1 day, then 2 in a ward with 6 beds, then a semi, then ICU for 2, then a ward, then a private for 4 days with pneumonia. There really isn`t much difference in the room cost (100 to 200p) but they charge 150p to write her name on a piece of yellow tape on the door every time she was moved. Just like the express lane fees. All these add ons add up..

The doctor`s report stated dengue shock and pneumonia. Philhealth paid only for dengue.

The doctors did not get 40%. Her doctor charged 1,500p/day for a total of 18,000 and the ICU doc charged 8,000p for 2 days. As for the private hospital, if I read it correctly, Philhealth covers even less if not in a Level 3 Hospital. And the treatment is useless in a public hospital. Before she went to Riverside, she went in a public hospital in a city of 140,000 people but there was no doctor on site, no meds and no lab.

[sjp52]

 

 

Irregardless whether or not you have private medical insurance, anyone residing in the Philippines should apply for PhilHealth. The reason is some hospitals may not accept private medical insurance because their accounting departments wouldn't know the reimbursement procedure. You are back to square one, which is a substantial cash deposit before any procedure.

PhilHealth or not, you will still need a cash deposit before a procedure in a private hospital. Anyone considering any kind of medical coverage should do their own due diligence by reading the information and speaking directly to the Plan Administrator. 

 

Our daughter was hospitalized on July 1 with dengue shock stage 2 and then pneumonia. We have Philhealth but had to pay a deposit before entering from the ambulance. Then for 11 days, I had to make payments every 2 days to keep the balance below 10,000p. Total cost was 163,500p and Philhealth paid 11,200p of that. Now, Bob, that is not a good chunk but merely a sliver! Some barangays in Bacolod get Philhealth for free.

 

i think the higher the cost, the lower the percentage phil health pays. If they paid 30 to 40 percent for all high cost hospital bills they would go broke in no time. You cant expect too much for 150 pesos a month.

[Thomas]

 

 

 

Total cost was 163,500p and Philhealth paid 11,200p of that.

 

That's a good example of what PhilHealth pays and 40% goes direct to the doctor. It's not comprehensive unless you're classified poor. But I thought read in the paper recently that PhilHealth was covering 100% for dengue treatment.

I suppouse not treated in private hospitals or if chosing private room.

 

The hospital had no rooms available at first so they put her in emergency for 1 day, then 2 in a ward with 6 beds, then a semi, then ICU for 2, then a ward, then a private for 4 days with pneumonia. There really isn`t much difference in the room cost (100 to 200p) but they charge 150p to write her name on a piece of yellow tape on the door every time she was moved. Just like the express lane fees. All these add ons add up..

The doctor`s report stated dengue shock and pneumonia. Philhealth paid only for dengue.

The doctors did not get 40%. Her doctor charged 1,500p/day for a total of 18,000 and the ICU doc charged 8,000p for 2 days. As for the private hospital, if I read it correctly, Philhealth covers even less if not in a Level 3 Hospital. And the treatment is useless in a public hospital. Before she went to Riverside, she went in a public hospital in a city of 140,000 people but there was no doctor on site, no meds and no lab.

 

Yes. I ment PhilHealth pay a static amount for Dengue undepending of cost, and the hospital added many extra for you. But some odd PhilHealth didn't pay for the lemonia (but perhaps they count that's normal to get when have dengue

[Daydreamer]

Get out your policy, coverage book or check it out online but go and read the fine print on if you are or will be living outside of the country. It's better to be safe and double check than to be sorry later!

 

I found out before I left, that I would lose my coverage when I stepped foot outside my home state(TriCare), and I could also not count on Obamacare for anything. And seeing as I'm not retirement age yet, I don't get the benefit of ss. So that means don't do what the romans do for a few and either become a hermit(which is detestable to me)or take it easy and try and stay healthy which is easy for me(now that I'm  in a country without modified food more or less :thumbsup: ) and continue exercising like there's no tomorrow. :tiphat: