16/09/2026
Bakit mo kailangang magsimula sa Kaiser Longterm Care habang bata at kumikita ka pa?
1️⃣ Hindi mo madadala ang short-term HMO forever.
Kapag nag-resign o nag-retire ka, possible na mawala rin ang company HMO benefit mo.
2️⃣ Short-term HMO = present healthcare needs.
Usually renewable yearly, at maaaring tumaas ang premium dahil sa age at utilization. What is affordable today may become more expensive in the future.
3️⃣ Hindi habang-buhay pareho ang financial capacity natin.
Habang tumatanda, nagbabago ang priorities at responsibilities. Mas madaling maghanda habang may stable income kaysa hintayin na kailangan na natin ito.
4️⃣ Mas kailangan natin ng healthcare habang tumatanda.
Maraming health conditions become more common with age. Kaya habang healthy pa tayo, magandang magkaroon ng plan para sa future healthcare needs.
💡 The goal is not just to have healthcare today—it’s to prepare for the healthcare we may need tomorrow.
Start preparing while you’re still young, healthy, and financially capable. ❤️