20/10/2025
PhilHealth helps, but it doesnโt cover all expenses โ thatโs where Life Insurance and HMO plan comes in. ๐
Because financial preparedness is not just for saving money.
Itโs about protecting you and your family when it matters most. ๐ฏโฅ๏ธ
Need a free quote?
Message me. ๐
๐๐ฎ๐ธ๐ถ๐ ๐ธ๐ฎ๐ถ๐น๐ฎ๐ป๐ด๐ฎ๐ป ๐บ๐ผ๐ป๐ด ๐ฎ๐น๐ฎ๐บ๐ถ๐ป ๐ธ๐๐ป๐ด ๐ฝ๐ฎ๐ป๐ผ ๐ป๐ฎ๐ด๐๐ผ๐๐ผ๐ฟ๐ธ ๐ฎ๐ป๐ด ๐ฃ๐๐๐๐๐๐๐๐ง๐ ๐บ๐ผ?
Last May 2024, naoperahan ang wife ko due to ovarian cyst.
It was an ovarian cystectomy...isang surgery na tatanggalin ang bukol sa o***y
That's so unexpected.
Nakakapraning.
Salamat sa Diyos, successful ang operation
Pero eto na, nung dumating yung bill.
Total Bill: โฑ170,613.20
Buti nalang, sabi ng staff:
โCovered po kayo ng PhilHealth.โ
Akala namin laking ginhawa na 'yun.
Then we saw the bill.
๐ Total Bill: โฑ170,613.20
๐ PhilHealth Coverage:
โฑ13,910.00 - Room for 4 days and Medicines
โฑ16,380.00 - Professional Fees
โฑ30,290.00 - Total Philhealth Coverage
Napakamot talaga ako sa ulo.
So I started digging. And hereโs what I found. ๐ฎ
_____________
๐๐๐ฅ๐ฆ๐ง ๐ง๐๐๐ก๐: ๐ฃ๐๐๐๐๐๐๐๐ง๐ ๐๐ข๐๐ฆ ๐ก๐ข๐ง ๐๐ข๐ฉ๐๐ฅ ๐๐ฉ๐๐ฅ๐ฌ๐ง๐๐๐ก๐
PhilHealth has a Case Rate system.
Every illness or procedure has a fixed coverage.
For example:
*Pneumonia (moderate risk): โฑ29,250
*Dengue: โฑ10,000
*Cesarean Section: โฑ37,050
*Cholecystectomy: โฑ60,450
You can check here for the actual case rate:
https://www.philhealth.gov.ph/services/acr/
*above mentioned are just examples (It depends on the case rate)
So kung bill mo โฑ60,000 at ang case rate ay โฑ15,000
Thatโs the max theyโll cover.
You shoulder the rest.
_____________
PhilHealth isnโt like a typical health card.
You donโt swipe and expect "fully covered".
It helps, YES.... pero kung โdi mo alam paano siya nagwowork,
pwede kang ma-shock sa bayarin.
_____________
๐ง๐ข ๐๐๐ง ๐ง๐๐ ๐๐จ๐๐ ๐๐๐ก๐๐๐๐ง๐ฆ, ๐๐ ๐ฃ๐ช๐๐๐ ๐๐๐ก๐ ๐ ๐๐๐๐จ๐๐ข๐ ๐๐ ๐ก๐๐๐ฌ๐ข๐ก
For employed or voluntary members:
You must have at least 9 months of contributions in the last 12 months before confinement.
Otherwiseโฆ sorry.
For senior citizens:
They can be automatic members, but they still need to register & submit docs to be eligible.
_____________
Here's what you can do today:
โ
Check your contributions sa PhilHealth Member Portal.
โ
Kung self-employed or OFW ka, consistently maghulog.
โ
Ask your HR kung updated ang remittance mo.
โ
Prepare a Member Data Record (MDR) and valid ID palagi.
_____________
Don't expect magic coverage. WALANG GANON.
PhilHealth is helpful, pero hindi sapat kung malaki ang bill.
You still need:
โข Emergency fund
โข HMO (if you can)
โข Critical illness or health insurance
_____________
For years, I thought PhilHealth = peace of mind.
Pero now I know: PhilHealth = partial aid lang.
Still thankfulโฆ and still humbled.
Letโs share this with others, lalo na yung mga walang HMO or insurance.
Because financial preparedness is not just for saving money...
Itโs about protecting your family when it matters most.
We all deserve peace of mind.
God bless sa mga taga-bayad sa ospital. ๐
Stay strong!!!
_____________
*No Balance Billing not applicable.
You can also check here all DOH hospitals accredited by NBB
https://www.facebook.com/DOHgovPH/posts/tingnan-listahan-ng-mga-doh-hospitals-sa-bansasa-doh-hospitals-bayad-na-ang-bill/1203553008478136/
