Being sick is expensive. But the good news is you can protect yourself from stressful medical expenses with an HMO. Here’s a complete guide on choosing the best health card in the Philippines.
Best Healthcare Provider in the Philippines
It may be hard to come up with the “best” health care provider in the HMO industry. However, you may choose the one that offers client centered benefits which may include but not limited to:
More: Cheap Health Insurance
- Maximum coverage of health expenses
- Ease and convenience of payment
- Affordable package rates
- Extensive network of hospitals, clinics and doctors
- Great customer service
Top Health Cards in the Philippines 2023
To help you decide which HMO health plan to get, here is a list of top health card providers in the Philippines. Compare their benefits coverage and payment schemes to select the best one for your needs.
Asalus Corporation (Intellicare)
Asalus is formerly Intellicare. The company has been providing good quality HMO products for those under the employment terms. It offers both Corporate and SME Plans.
Benefits
Some benefits of Intellicare include but not limited to:
- Inpatient care
- Dental care (optional)
- APE
- Emergency confinement
- Out Patient care
See: Intellicare Plans
Monthly Premiums
The monthly premium of Intellicare will depend on the package chosen by your company.
Contact Numbers:
- 8789-4000
- 7902-3400
Asiancare Health Systems
Asiancare Health Systems offer various services for health care. Members can have free unlimited consultations (depending on plan) and emergency benefits during times of critical care needs.
See: Asiancare Packages
Contact Numbers:
- 5198751
- 9255298
Avega Managed Care
Avega’s experience with HMO plan service gives its members peace of mind during health concerns. It can fully customize the member’s plan based on needs and budget.
See: Avega Plans
Contact Numbers: 7902-3430 or 8789-4030
CareHealth Plus Systems
Carehealth Plus offers its expertise in the HMO service segment by having a good network of hospitals for their clients. The company was established in 2015 and has since grown into one of the major providers of health care in the country.
Read: Accredited Hospitals of Carehealth Plus
Types of Plans
See: Carehealth Plans
Depending on your needs, you may select the right plan for your protection.
Optimum Care Program
Quantum Gold
Quantum Care Program
ValuePlus Program
Contact Number for inquiries and quote: 82471878, 82084611
Carewell Health Systems
Carewell Health Systems promises to provide quality services and affordability when it comes to your HMO needs. You can choose from its network of accredited hospitals and clinics if you need medical services.
List of Carewell Health Accredited Hospitals
There is a good number of hospitals where you can use your Carewell health card. This makes it convenient for you to avail medical services and consultations near your area.
Some of the hospitals accredited by the HMO include:
Bernardino General Hospital
Manila Doctors Hospital
Medical City
Meycauayan Doctors Hospital
Metro Lipa Medical Center
Our Lady of Grace Hospital
Contact numbers: 3555771, 8715586, 09989884692, 09257204819
Caritas Health Shield
You have probably heard about Caritas Health Shield being one of the popular HMOs among employers and companies. This is because of their extensive network of doctors and care facilities where you can have your check up.
Offers Enhance Core 6 and 10 as well as Kiddie Health Plans.
24 Hour Medical Hotlines: 0917305 5152, 0945369 4180
Cocolife
Cocolife is one of the many HMO companies in the country. It has an extensive network of service providers for the members’ convenience. It has an extensive program package too so you can customize your benefits.
See: Cocolife Accredited Hospitals
Cocolife contact phone number: 88107888
They also have a 24 medical help line so you can get in touch with the company for any account concerns. To avail of the emergency care benefits, you may call Cocolife within 24 hours upon admission for confinement.
Dynamic Care Corporation (DCC)
Dynamic Care Corporation offers different coverage based on the preference of the clients. One may avail of individual, corporate and family accounts. Accredited hospitals include Carmona Hospital and Medical Center.
See: Dynamic Care Plans
EastWest Healthcare, Inc.
Eastwest Healthcare Inc. is one of the leading providers of healthcare management services. With almost 20 years of experience, the company has been involved with empowering its members to choose their preferred network of hospitals and doctors.
Some of the available products offered by the company include:
- Flexi Health
- Royal Health Advantage
- MedAssist
- Contact phone number for inquiries: 88173333
Maxicare Healthcare Corporation
Maxicare is among the largest HMO providers in the country with over 1 million clients served. Many companies entrust their health card needs for employees to this company. It has an extensive network of hospitals and doctors for your convenience.
Available package plans include:
- Individual and family plans
- Small and medium plans
- Corporate package
Benefits
Features of Maxicare accounts include but not limited to:
- Coverage of up to Php 200,000
- Inpatient Care
- Outpatient Services (consultation)
- Preventive care
- Emergency services (ER)
- Annual Check-Up
- Teleconsult features
There is also an option to avail dental services within a specific plan of your choice.
Premium Price
The Maxicare monthly premium may start around Php 2,010. This is based on Silver plan with an annual premium for 40 years old.
Php 24,126 for annual premium
See: List of Maxicare Accredited Hospitals
Contact Numbers: 7798 7770
Plan Types
Different plans are available through Maxicare. The maximum benefit limit may range from Php 60,000 to Php 200,000 depending on your package. They include silver, gold, platinum and platinum plus. Room and board are also varied depending on the plan.
Price of contribution will depend on payment terms. They include quarterly, semi annual and annual payments. Depending on your age, preferred plan and terms, you can view the quick computation of your payment.
MediCard Philippines
Medicard has an extensive number of accredited providers across the country. It provides some of the most competitive monthly rates for health card coverage.
Benefit coverage from around Php 95,000 up to Php 150,000. It offers one of the most affordable monthly premiums at Php 3,000.
See: Medicard Plans
Cheapest plan starts at Php 500/year (unlimited doctor consultation with primary care physicians
More: Accredited Hospitals of Medicard
Contact Numbers:
- 8841-8080
- 8884-9999
Medicare Plus
Medicare Plus is among the top HMO providers in the country. The company boasts of at least 800 accredited hospitals and thousands of doctors nationwide. This provides you the convenience to have a check up anywhere.
Cheapest Health Plan Available: Php 1,500 per month
Contact Numbers: 88153049
Pacific Cross Health Care, Inc. (Blue Cross Health Care, Inc.)
The company offers medical, travel and personal insurance to individuals. However, you may also avail of their health insurance benefits as an alternative for HMO.
See: Pacific Cross Plans
You may get in touch with them thru the 24 hours client support using 632 8230-8511
Value Care Health Systems, Inc. (ValuCare)
Valucare’s mission is to provide quality health care service through consultation and other medical benefits.
See: Valucare Plans
Account holders enjoy:
- Consultations and treatment
- Minor surgery benefits
- Treatment of minor surgeries
- Dressing and sutures
Depending on the features of the plan, the premium may start from Php 2,735 including VAT (*based on icompute feature, 39 y.o., major hospitals, quarterly payment and ward, may change without notice), Maximum coverage: Php 60,000 per illness per year.
Valucare Contact Number: (02) 8702-3388, 5317-4388
Cheapest HMO Plans
The cheapest HMO plan in the Philippines may come in the form of a prepaid health card. Others offer low monthly rates based on benefits for individuals.
Here is a list of the cheapest HMO and health card plans.
| HMO | Price Rate | Coverage |
|---|---|---|
| Maxicare Eready Titanium | Php 1,300 | Emergency Room |
| Maxicare Silver (Individual semi annual) | Php 9,933 | Up to 60,000 coverage, semi-private room |
| Medicard Health Check | Php 500 | Unlimited check up at Medicard clinics. |
| Medicare Plus (Health Assure Plus Individual Plan) | Php 43/day | Consultations, necessary x-ray |
There are at least three categories in which health card plans may fall. They are individual, family and corporate. Usually, the cheapest plan per month will fall under the individual account type.
An affordable HMO plan may be in the form of a prepaid health card. In most cases, they can be used for emergency room expenses. If you wish to get the best price from a regular plan, you may pay either semi-annually or annually.
But take note that sometimes, you can save money if you will enroll a family member or two to get better prices.
On the other hand, corporate plans are more affordable if you are currently employed as the monthly premiums are deducted automatically.
The cheapest HMO plan per month in the Philippines can range from Php 1,800 to Php 3,000 or more. The price will depend on the benefits that you will avail and the overall coverage.
Accredited Hospitals
As mentioned, HMO plans can only cover your expenses within its network of providers. This means you need to choose only the accredited HMO hospitals that the company considers.
See: List of Accredited HMO Hospitals
You can only use your health card in these facilities. Otherwise, you may need to pay for your bills if the hospital is not included in the list. In some cases, the HMO company will reimburse your expenses in other hospitals.
What is HMO
HMO stands for Health Maintenance Organization. It is a company that provides assistance to members during times of medical expenses. In essence, health insurance is the primary product of an HMO company.
One characteristic of an HMO is that it has a network of medical service providers. It has accredited hospitals and doctors whom the member can avail service from.
For most Filipinos, health card is a more common term when referring to HMO. That’s why you will be asked by a hospital staff whether you are going to use a health card or not.
Benefits of HMO Health Cards
- The primary benefit of HMO is convenience. Your account will cover consultation fees every time you need to have a check up with a doctor.
- Program and benefits are customizable. You can choose only the service and benefit that you want.
- Most companies offer affordable health card rates even for those who are currently not employed.
- You have access to high quality medical services from accredited hospitals and doctors
- Of course just like with a health insurance, you have peace of mind. The HMO company will pay for all your covered medical bills under your plan.
- Prepaid health cards are also available for emergency situations.
Benefits and Features
Some HMO cards can provide various add-on services to the plan. They may include but not limited to:
- Free dental cleaning (oral prophylaxis)
- Annual medical exam
- Executive check up
- Discounts at food establishments
- Giveaway items
Disadvantages of HMO
Similar to a health insurance, you have to pay on a regular basis for coverage.
Payments are still required even if you did not have any medical expenses for the duration of the coverage.
You are only allowed to use the health card in accredited doctors and hospitals of the company.
Only the basic consultations, some diagnostic tests and other hospital procedures and expenses may be covered.
Your expenses may not be fully reimbursed if you will avail services outside of the HMO’s network of providers.
Philhealth VS HMO
One may think, can I use Philhealth and Health Cards of HMO at the same time? Yes, you may be able to use them both as they are independent from each other. You can have coverage from HMO and Philhealth and maximize your discounts.
How To Apply for a Health Card?
HMO or health card is usually a benefit provided by an employer. As part of the employment package, some companies enroll their workers to an HMO of their choice for their own protection. However, even individuals who are unemployed, self-employed or voluntary members can easily get a health card as they wish.
Applying for a health card in the Philippines is quite easy. You simply need to choose the service provider and sign up for any offers that suit your budget and needs.
Most of them have online application for a health card. However, you can also go to the nearest office branch of the company that you selected.
It is a good idea to first compare the features and benefits of the HMO health cards. Before applying, take note of the amount you have to pay, the coverage and the accredited hospitals.
Next, you may choose to select either an individual or family or group account. Each will have a dedicated amount of payment and coverage details.
Fill out the form and submit your payment.
Family HMO Account
Most HMO companies offer accounts where an individual may enroll their family members. This way, the succeeding members will only have to pay less compared to having an individual account. An additional member like a spouse or children may be included in this type of account.
Sample Computation
If you are still deciding whether to get a health card or not, it is best to plan ahead your budget. There are different payment options for you. The monthly rate depends on your preferred plan.
- Quarterly – paid every three months
- Semi-annual – paid every six months
- Annual – yearly payment
The rate per month can range between Php 500 to Php 2,500 or more. However, there are prepaid HMO accounts that you can also avail for special incidents.
Employers usually take care of the health card payment for their workers through special corporate accounts.
Online Calculator
Some HMO companies have a dedicated online calculator where you can check how much the premium is. However, it will depend on the terms and the type of protection that you need.
- Monthly Rates – HMO monthly rates are usually more expensive but it would be more convenient to those with limited budget.
- Quarterly Rates – The quarterly rates of HMOs are still priced decently but you can pay your premium every 3 months.
- Semi Annual – Those who avail semi annual HMO prices will have better rates if divided into 6 months consideration. More savings for the member.
- Annual – The annual HMO rates provide the most savings sine you have to shell out a larger amount in return.
HMO for Senior Citizens
For those with senior citizen parents who are above 60 years old, a health card can provide a sense of security. It is quite common for seniors to have health problems as they become weaker due to aging.
Related: Senior Citizen HMO Cards
Don’t worry, there are cheap health cards for senior citizens that you can avail. Simply choose the one with an attractive benefit package.
In this case, letting the HMO pay for the medical services incurred will be a lot more convenient than shelling out of pocket money.
Health Card For Above 65 Years Old
If you are still able to work or has a source of income, it may be a good option to give them a health card suitable for senior citizens to protect them from unexpected expenses on health care.
Those with a good source of income, say for example self-employed or business owners, a health card can provide convenience in any future health problems.
If you are a senior yourself, then getting a health plan from an HMO may be a practical decision.
Best HMO For Pre-Existing Condition
One disadvantage of a health card is its coverage limitation. Most HMO companies will not pay for some medical tests and procedures if the member already has the illness before applying for a health card.
See: HMO for Pre-Existing Condition
However, there are HMO that accepts pre-existing medical conditions of a new applicant. However, your monthly dues or benefits may be modified to accommodate your health problem expenses.
Best HMO for Single Parents
We understand that single parents tend to hive tighter budgets. That’s why it is a good idea to get an HMO or health card to protect the family from sudden health expenses.
When choosing the best HMO for single parents, bear in mind that you should be able to maximize the benefits while keeping your monthly budget on track.
HMO for Singles
Individuals who do not have a family may opt to get the maximum benefits from their HMO accounts. This means you can have yourself protected and simply nominate the dependents either your parents or siblings.
The best HMO for singles is something that is affordable in terms of monthly payments but with quality benefits to the account holder.
Health Cards for Students
Even students get sick. For parents, it would be a good idea to have your kids protected from unwanted health expenses. Some health cards can offer special packages for the family which means even the children will be covered.
If your child is at least 18 years old, you may be able to apply for an HMO health card for him or her. Individuals who may have existing medical conditions and require frequent check ups with doctors will benefit from this type of account. High school and college students can get the best health services either from their own health card account or as dependents from their parents’ HMO.
Health Cards for Kids
You can also have your kids covered by an HMO account. In order to save on medical expenses, card holders may have their kids covered by their accounts but you can also avail of products specifically for them.
Although it would mean additional expenses, you will have better peace of mind and financial security during times when your kids get sick.
See the best HMO for kids options that you can avail.
Health Cards for Babies
An HMO for baby can help with expenses particularly in emergency cases. Usually, the family account can have a baby supplemental account which is also covered by the principal account holder. For babies, the best HMO is something that provides consultation and confinement benefits.
Ask your preferred HMO if it can cover check ups, vaccines, medication and pediatrician services.
Best HMO for Diabetic Patients
Those with diabetes may be considered as clients with pre-existing conditions. Do not worry as there are so many options for you in getting the best health card for diabetic patients.
In line with this concern, you should get a plan that provides care benefits for frequent blood testing, wound care and management as well as unlimited consultations.
Stroke Patients
Stroke may have a lifetime form of expenses. Usually, this will involve physical therapy and medication. A frequent visit and consultation with a doctor will also be a regular aspect of recovery. Choose the best HMO health card for stroke that covers your treatment needs.
HMO for Critical Illness
Critical illnesses commonly requires bigger amount of hospital expenses. Because these diseases require utmost care and attention, an HMO or health card should be able to cover the important aspects of expenses.
Related: Health Insurance for Critical Illness
If you are going to choose an HMO provider, it is ideal to get something that has the highest coverage amount. This way, the maximum amount that can be covered by the HMO will be available.
OFW HMO Health Plans
If you are an Overseas Filipino Worker, you may still take advantage of health cards and HMO plans in the Philippines.
Whether you are abroad or staying in the country for a vacation, you can still get health benefits for you and your family.
HMO Coverage for Babies
A health card for babies can provide convenience and peace of mind to the parents. One of the most important function of an HMO of this type may be seen in terms of unlimited number of check ups.
With some HMO health plans, the inclusion of some pedia tests and diagnostics allows the parents to forget about the expenses involved. They can simply rely on the coverage of their plans and concentrate on their baby’s health.
Children and Kids HMO Account
If you have the option to pay for your children’s health card, you may do so. Many of HMO companies offer the flexibility of putting dependents under a single account.
Of course, this also means additional monthly payment rates in exchange of your peace of mind.
Health Cards for Frequent Travelers
Those who travel frequently should get an HMO plan that correspond to their activities. For example, an HMO company that has an extensive network of hospitals in the country should be a priority.
On the other hand, a plan the covers emergency room expenses with the highest rate is an ideal health card as well for travelers.
HMO for Tourists
Tourists may also benefit from having a ready health card in the country. If you are a foreigner or a balikbayan scheduled for a vacation, a prepaid HMO card may suffice.
Accordingly, the benefits will depend on the covered criterion per card. You may also use your health insurance if you wish.
Best Health Card To Get
Deciding on the best HMO plan depends on the individual. Assuming you are not under any forms of employment by a company, you can choose the health card of any type.
However, choose based on your lifestyle, budget and ability to follow rules made by the health card company to maximize your benefits.
Freelancer HMO
Freelancers may have a limited budget when it comes to HMO payments. It is best to get a plan that you think you can fulfill payments for in the duration of the policy.
If you are still not very confident, you may purchase prepaid health plans that also provide coverage for sudden health expenses.
Voluntary Member
Voluntary means you do not need to rely on a company’s benefits in terms of applying for an HMO plan. You can do this on your own. The main drawback is you will have to shell out your own money to pay for the premiums of the HMO.
The advantage of this setup is you can choose the benefits and payment terms based on your lifestyle.
HMO for Individuals
As mentioned earlier, most health cards are sponsored by a company or employer. Although the salary deduction scheme is still in effect in most cases, companies also apply HMO for their employees as an added protection.
If you are an individual, you may avail of any health plan that you want as long as you can pay the monthly rates.
You can also decide to get a family HMO if your budget permits it. This way, you can enroll other members of the family that are not under your account as dependents.
Self Employed
Self employed people usually have their source of income from small businesses and enterprises. You can enroll in any of the available HMO plans that cover your basic health needs.
If you are older, have some pre-existing medical condition or always exposed to bad elements, it is recommended to get a health card to protect you from sudden medical expenses.
company’s accredited institutions.
For Business Owners
Small business owners can also get in touch with their preferred HMO company. There are corporate accounts that are suitable for employees of small companies and SME. Take time to research more on the monthly payment for a group of workers in your business.
References: Britannica
Last Updated on January 2, 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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