I’m planning to enroll myself and my parents to a Health Insurance Plan or get one of those HMO cards. I’m pretty much familliar with Health cards’ membership elegibility, provisions and exclusions, most are just the same anyway.
The age eligibility for principal and dependents is from 2 to 60 years of age. Eligible dependents are as follows (in order): For single enrollees: Mother, Father, then Siblings 21 years old and below, according to age. For married enrollees: Spouse, then Children 21 years old and below, according to age. Blah blah blah.
Exclusions are a bit tricky. I learned the hard way when I was rushed to Asian Hospital for what seemed to be a severe asthma attack complete with heart palpitations, tremors and muscle tension that lasted 30 minutes. 15 minutes spent hyperventilating in the ambulance and 15 minutes spent in the emergency room where the intern proceeded to hand me a brown bag to breathe in. Yes, a brown bag (as in for sandwiches paksyet) .
Apparently I was having an anxiety attack. Huwaat! Anxiety attack my ass! Felt like anaphylactic shock to me. After breathing in to my brown bag, for a full 2 minutes -take note-, my vital signs were back to normal.
Fast forward to billing – as per “this” specific HMO procedure, the cashier called their hotline to confirm the transaction. Aba! Guess what? The customer service agent wants to talk to me. Patay na. I knew there was a problem. I was advised “nicely” that the diagnosis is not included in the policy therefore they will not be able to cover the expenses at this time.
Ok. Please explain. The agent then “recited” a list of instances/diseases for which I’ll be covered.”Uhm Mam yung ano po, unexpected po like accidents or uhm things that were brought about by your occupation.” Ah ganun ba? Well, I had an anxiety attack which was brought about by stress which was brought about by talking to clueless people who’s already buried and in debt and still wants more credit. In short, it was brought about by my occupation. Tama ba?
Nope. Sorry mam, it’s unacceptable. 3000 bucks for a 15 minute ambulance ride and a brown paper bag. Boom.
The hospital provided me with literature regarding the diagnosis which is actually related to a mental illness that is specifically stated in the policy to be excluded.
So pag baliw ka, wag ka na mag health card. It’s useless. But then again Caritas Health Shield is transferable, unlike any other health cards. And Maxicare offers Executive Check-ups. Medicard, on the other hand, has an OFW program. Hmmm. I guess the tie breaker is how much would my monthly premiums be. Haha.
Anyway, I’m still waiting for my individual quote from the HMOs. So this post will be continued..