Are you 60 years old and above? Sometimes, it can be hard to find a health card for senior citizens due to limited availability. However, we are here to help you find the right packages for your health plan needs.
Best HMO For Seniors
Health cards for seniors 60 years old and above in the Philippines are available either in regular health plans or prepaid cards. We have listed the top 3 plans for you to decide upon.
If you wish to get the optimum HMO for your needs, it is a good idea to make a health card comparison first to see the benefits, monthly payments and how to avail services.
Look: Senior Citizen Benefits
Medicard
This is a good choice for senior citizens because it does not have an age limit. You can avail it anytime for the price of Php 1998.00.
If you wish to get protected on some expenses after 60 years old, then this offer from Medicard could be your best option.
Medicard RxER Benefits for Senior Citizens
- Php 20,000 emergency benefit for trauma, this will include the facilities and professional fees.
- Php 5,000 benefit for laboratory and other diagnostic procedures
- 100% reimbursement of your money when you happen to be confined to an Emergency room in other non-accredited hospitals.
Maxicare Prima Gold
Maxicare also offers one of the best HMO health plans for senior citizens through their Prima Gold. This is suitable for individuals from 60 years old and above.
Maxicare Prima Gold Benefits for Seniors
- Unlimited number of check up consultation at Maxicare PCC-W City Center Bldg, BGC and MyHealth branches for Internal Medicine, OB Gyne, ENT doctor, dermatologist and ophthlamologist
- Up to Php 20,000 emergency care coverage
- Pre-existing conditions are covered, it means even if you already have a health problem
- 24/7 teleconsult
- Free dental procedures at Metro Dental clinics branches
- Outpatient laboratory coverage in some My Health Clinic branches
How much is the Maxicare Prima Gold?
You may avail this HMO health plan for Php 12,999.00 Php 16,888 (there has been a price increase for this card as of October 16, 2023.
Philcare Unli Consult
Unlimited Consultation for 65 years old senior citizens is a good way to protect you if you are prone to getting sick. One of the best Philcare package for senior citizens is their Unli Consult 65. You can avail of the unlimited consultations for your health problems.
Philcare Unli Consult Benefits for Senior Citizens
- Best for 66 years old and above
- Cannot be transferred
- Activation time is after 3 days
- Unlimited number of consultations for 1 year
- Different specialists can be consulted like cardiologist, internal medicine, pulmonologist, endocrinologist, gastroenterologist, nephrologist and even dentists
- Annual dental examination and consultation check up
- Unlimited temporary fillings for tooth (pasta)
- Annual dental cleaning
- Pre-existing conditions are also covered (with exclusions, for example maternity related)
How Much is Philcare Unli Consult 65?
This health plan is Php 3,600 to Php 5000.00 as of last update.
Cheap Health Cards
One option for seniors to get a cheap health coverage is by buying Emergency prepaid cards. The usual price of prepaid card for seniors may start from Php 1,499 to Php 7,000 depending on the features.
What is HMO
HMO is also referred to a health card. An account can serve as a health insurance for the member. The company will pay for your medical bills as long as you keep your account active.
Benefits
Being a senior citizen can be a bit tricky especially when it comes to financing health expenses. With a limited source of income, it can be difficult to pay for expensive health care services. That’s why it may be a good option for you to avail of a health plan that is affordable but provides good benefits.
- Unlimited doctor consultation (depending on the plan)
- Extensive network of hospitals and doctors
- Easy on the pocket monthly fees (depending on the plan)
- Coverage of a bigger amount than what you are paying for (in the event of health expenses)
HMO VS Health Insurance and Philhealth
HMO health card
One of the most attractive features of HMO or health card is that you can avail it with a relatively cheap price. This is true especially for prepaid health cards that you can use for emergency health situations. Other benefits may include unlimited doctor consultation, discounts on medical procedures and covered room and board for confinement.
Insurance
On the other hand, health insurance will usually cost more but it will cover much more as well. The higher your monthly premium is, the bigger the benefits you will get especially during critical medical concerns such as surgery or deadly diseases.
One of the good things about health insurance for seniors is that there are companies offering coverage for certain diseases. As seniors become more exposed to infections, some companies include a list of diseases they can cover up to 100%.
Philhealth
Philhealth benefits on the other hand is mostly available to senior citizens so there is no need for you to apply for it. All senior citizens are now covered by Philhealth and you can use it apart from your HMO and health insurance.
Compare Plans
We have prepared a list of HMOs that you can avail if you are a senior in the Philippines. This way, you can protect yourself from unwanted expenses when you get sick.
To do an effective comparison, it is best to look for the price rates of the HMO so you can plan ahead with your budget.
Next, see the benefits and features of the card and decide whether they are suitable for your current health needs.
Health Card and Philhealth
Can I use HMO and Philhealth at the same time? Senior citizens are automatically enrolled in Philhealth. You can get two separate benefits from your HMO plan and Philhealth. This gives you more savings in most hospital service fees.
In terms of senior citizen ID discount, it is also a separate benefit apart from your HMO and Philhealth savings.
Discount for HMO Plans
Usually, there are no discounts when you avail the HMO plans for senior citizens. However, you will get the most benefit from them in times when you need to have consultations due to your health problems. HMO health plan can be a good investment if you are a pensioner, retired employee or a self employed individual.
Requirements for Application
You may need to present documents for identification per the company’s instructions. If you are simply purchasing a prepaid HMO card for seniors, you may do so.
Some of these prepaid health cards are available from their online shopping tools.
Pre Existing Conditions
In most cases, the prepaid version of health cards do not require that you disclose your pre-existing conditions like illness and diseases. Each company may have a separate policy when it comes to existing illnesses.
See: HMO With Pre-Existing Condition
What to Choose
In choosing an HMO plan, it is best if you could see all the benefits included in the package. It is ideal if the following benefits are available in your account:
- Unlimited check up
- Free dental services
- Coverage for major diagnostic tests like CT Scan, MRI, X ray and laboratory tests
- Coverage for dependents
- Easy payment installation
- Money back option
Just remember that each HMO company has its own rules and terms. Adhere to their conditions and you will enjoy your senior years without having to worry about medical expenses.
Disclaimer: This page is not affiliated with any of the mentioned brands unless otherwise stated.
References: Investopedia
Last Updated on April 18, 2024 by Medical Pinas
About the Author: MedicalPinas has several years of experience in publishing articles to help Filipinos find medical services and their prices. It strives to provide the most accurate info available through extensive research. Info may change without notice. This site is not affiliated with any of the mentioned brands/companies and does not represent the same.
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