Philhealth Plus Private Family Policy

[imonacan]

After looking into it.. getting PhilHealth, seems like a no brainer. My wife and daughter are Philippine nationals, and I can be added later... though my wife (please correct me, if I'm wrong). 

It doesn't seem like this is enough, in case of an extended health emergency, or possible future declining health of a family member (probably me) . 

Right now, I would be paying $600 plus per month, to maintain my Excellus blue cross / blue shield policy here in the US, after retirement. There is no option, to continue this coverage living overseas  (so I think), which I fell is quite expensive, anyhow.. but Does cover everything.  I'm hoping I can do much better in the Pinas (cost wise)... between a private family policy, and Philhealth.

Just was wondering... what others are paying in Cebu, and how they are doing it, and if dental care is cheap enough to do out of pocket, or I should also include it in a policy ?

Any advice, and comparisons.. is greatly appreciated, and I Thank You in advance, for taking the time to reply.

 

Bill

 

[sonjack2847]

Blue cross is available here,but you have to use the hospitals they have on their list and when you live in the sticks like me it becomes almost invalid.Ask paul   on here he is an agent for Blue cross and could help you.

[Thomas]

After looking into it.. getting PhilHealth, seems like a no brainer. My wife and daughter are Philippine nationals, and I can be added later... though my wife (please correct me, if I'm wrong).

Yes, your wife, you, kids and her parents can go through your wife.

(Why not have you added from start??)

[imonacan]

Blue cross is available here,but you have to use the hospitals they have on their list and when you live in the sticks like me it becomes almost invalid.Ask paul   on here he is an agent for Blue cross and could help you.

Yes, that is another option, worth looking into. Hoping I can do better...than the $600 plus per month, they want for it here, to continue after retirement.

[imonacan]

Yes, your wife, you, kids and her parents can go through your wife.

(Why not have you added from start??)

 

 

Makes sense, and will have her try to add me right away

[Call me bubba]

600x12=7200 a yr,

humm. consider self insure .  if your in good health that 7200,(300.000 php plus)

would allow very good coverage

 

or a policy either from an HMO,

www.caritashealthshield.com.ph, blue cross or another firm,

if you plan to add/cover your wife/child that would add the premium much higher,

 

hope the topics listed below can assist you in making the best choice for you.your family

may i ask the ages of you?and family to be insured

 

 ,also note,,,i could be wrong,, insurance here does not cover most "vaccinations" unlike the usa

 

here are 2 previous .active topics that could help you decide.

 

http://www.philippines-expats.com/topic/13665-retire-in-the-philippines-without-good-medical-cover-at-your-peril/

http://www.philippines-expats.com/topic/15721-philhealth-gobal-ins-or-self-insure/

[imonacan]

 

may i ask the ages of you?and family to be insured

 

 

 

Yes of course, and sorry I missed the question earlier.

Wnen we will need to begin the policy (sometime next year).. I'll be 55, my wife will be 39, and my daughter will be 9.