THINK WISE HMO

17/12/2024

LOOKING FOR THE PERFECT GIFT?🎁
Why not give the gift of health and protection this Christmas?

Health insurance isn’t just a policy; it's a promise to always look out for each other. Make their health a priority this season.

🚀Message/Call Us right now to this Viber Number (0955-9667-768) or email us to [email protected].

🚀Hurry🚩🏁🚩🏁 First 10 people will receive exciting Freebies. Also We can give you free Consultation and Free Quotations.👌 www.pacificcross.com.ph

17/11/2023

15/11/2023

Looking for HMO Partners?
Plan to have a MEDICAL COVERAGE PLAN?
How to AVAIL HMO and INDIVIDUAL HMO?
FOR MORE DETAILS AND INFORMATION SEE THE CONTACT DETAILS BELOW 👇👇👇👇👇

15/11/2023

𝙉𝘼𝙏𝘼𝙉𝙂𝙂𝘼𝙋 𝙈𝙊 𝙉𝘼 𝘽𝘼 𝘼𝙉𝙂 13𝙏𝙃 𝙈𝙊𝙉𝙏𝙃 𝙋𝘼𝙔 𝙈𝙊?

Here are the things that you can do to maximize your hard-earned money.

1️⃣ Save at least 20% for your emergency fund. You know, we’ll never know. 🏥

2️⃣ Pay your existing debts. The longer you pay off your debts, the greater the interest will be. ⛓

3️⃣ Start at least an indirect investment. There are a lot of fund managers out there who can help you start. Like me. 📈

4️⃣ Get an insurance. Set aside a little for your long-term wealth protection. Remember, it’s better to get an insurance 10 years earlier than 10 minutes too late. 🛡

5️⃣ Reward yourself / family. BUT DON’T BE TOO OVERWHELMED. Spend 10% as a reward. You deserve it! 🏆

6️⃣ Save for Noche Buena. There’s no greater joy than having a decent meal on Christmas day with your family or love ones. 🎄

7️⃣ 10% for tithes. 100% of your income is a blessing from up above. Giving back a portion won’t hurt. ⛪️

8️⃣ Invest in yourself. Buy books or tools that could improve your mind, skills, or well being. 🧘‍♀️

Laban mga mare at pare! Enjoy your hard-earned money but be responsible. 🧠

Advance Happy Holidays! 🎄

10/11/2023

The Philippines’ Top HMO & Health Cards Providers are listed below:
Maxicare HealthCare
Over 1,000 hospitals and 56,000 affiliated doctors and specialists make up Maxicare’s connections with the over 1 million members it serves across the nation. In the Philippines, it is regarded as one of the largest and most recognized HMO service providers.

Intellicare
One of the Philippines’ first HMO providers, Intellicare, focuses on offering businesses and business owners an affordable HMO plan for their employees.

Medicard
One of the most well-known names in HMO, Medicard has provided healthcare services for almost forty years. Members only pay for what they use because unused money are repaid, and they offer a range of plans to satisfy diverse needs (OFW, family, business, etc.).

Caritas Health Shield
Since it began operating more than 20 years ago, Caritas Health Shield has grown to include 76 branches and 15 Clinica Caritas across the nation. With a network of 14,000 doctors, they have assisted over 800,000 patients.

Philhealth Care (PhilCare)
As one of the nation’s first HMO providers, PhilCare was established in 1982 as Philippine Health Systems. In 2019, it introduced DigiMed, a service that enables users to speak with medical professionals both verbally and visually.

ValuCare
With more than 1,300 accredited hospitals and clinics, 990 dentistry offices, and 19,000+ medical specialists, their objective is to “offer inexpensive quality health care and promote the well-being of our plan members.” A ValuCare service representative will be able to provide information on the maximum benefit limit (MBL); visit their website to do so.

Eastwest Health Care
EastWest Healthcare, established in 2002, aims to provide customers with practical healthcare options at affordable pricing. They offer comprehensive HMO and TPA plans, and more than 100,000 members from 500 local and international enterprises participate.

Avega Care
A managed-care organization called Avega offers medical services to customers who need insurance for their staff members. They work in partnership with 800 organizations and have a network of 12,000 physicians and medical specialists.

Insular Health Care
Over 1,200 medical facilities across the nation and over 18,500 accredited medical specialists make up IHC’s healthcare network. For people with limited resources who need quality medical coverage, they offer incredibly affordable HMO packages.

Pacific Cross Health Care
HMO, medical, travel, and personal accident insurance are all provided by Pacific Cross Insurance Company. With a significant concentration on the ASEAN region, it was established in the Philippines in 1949 and today has sister companies all throughout Asia.

10/11/2023

A Health Maintenance Organization or HMO started in the early 1900s in The United States of America in Washington wherein a small clinic offered lumber mill owners and their employees prepaid medical services and procedures for a premium. With the influence of President Nixon in the 1970s and with the HMO Act of 1973 the HMO industry blossomed because of the need for medical attention.

An HMO is basically an organization wherein they close the gap between individuals or companies and health care providers such as doctors, specialists, clinics and hospitals. It enables itself through a fund wherein individuals or corporations who seek medical help pay a premium monthly, quarterly, semiannually or annually. Normally services provided by these medical practitioners are less costly than standard since the HMOs provide a steady stream of customers.

Advantages of Getting an HMO
An HMO has a large network. In the Philippines, an HMO is alike the fancy ones offered by Life Insurance companies. Hospitals and Clinics affiliated with HMOs are very competitive since it usually involves accreditation that is filtered by HMOs set qualifications. So you are in good hands with doctors and you always have the choice to prefer which provider you would like to have tests or procedures done.
An HMO is less costly than most medical plans. Basically it is the more practical way of getting yourself a health plan since at a minimum it will only cost you less than 1,000 pesos a month, in short “hindi masakit sa bulsa.” Most of the treatments that you typically do within the HMO network are dependent on the Maximum Benefit Limit (MBL) which is usually per illness per year, some providers even go as far as use all hospital services that you desire to avail just as long you are within the MBL.
Disadvantages of Getting an HMO
The flexibility of a visiting specialist. An HMO does have a network of medical practitioners but you can only see specialist (e.g. neurologist, physical therapist, etc.) if your doctor referred you to see the specialist. Although this is not exactly the case for the Philippines at the moment since most specialist are also with many HMO networks because of it being relatively new.
You will pay for treatments done outside the HMO network. This one is a bit tricky because most of the time, procedures done outside are reimbursable but only up to 80% of the total cost or a certain value determined by the HMO, apply of which is more applicable.
So what happens if I will not be using my HMO? Well, be happy of course! It means that you were healthy when the plan took effect until it expired. We have to stress out that getting an HMO will only be used as a protection for when your health suffers either by an accident, poor nutrition or something acquired. Again and again, “Prevention is better than cure.”