02/09/2025
Sa kadaghan nakong na-compare nga short-term/group HMO's, nindot gyud kaayo ning sa Kaiser. Gi-design gyud ni to support Gov't's move to give HMO sa gov't employees nga 7K annually.
Mao ni some mga advantages niya than others.
1. Covered ang pre-existing illness - usually, 2nd year pa ma-cover
2. Naay cash assistance incase of death - typically ang group HMO wa gyud nay insurance/micro-insurance
3. 5 major benefits; preventive care, in-patient, out-patient, emergency, dental - naay uban walay emergency and dental
4. Until age 65 ang covered - mostly until age 60 ra
5. For P7,000 premium, 75K coverage apil na access to Major Hospitals, - usually mas costly if apil ang access sa Major hospitals
6. Almost all private hospitals are accredited - ang uban, limited only.
7. Trusted na sa big companies and gov't agencies bisan sa Senate & Congress kay sila pud ang HMO provider.
