19/08/2026
โ๐ ๐ฎ๐ ๐๐ ๐ข ๐ธ๐ฎ ๐ป๐ด๐ฎโฆ ๐ฝ๐ฒ๐ฟ๐ผ ๐ฐ๐ผ๐๐ฒ๐ฟ๐ฒ๐ฑ ๐ฏ๐ฎ ๐๐ฎ๐น๐ฎ๐ด๐ฎ?โ
Last week, nasa hospital ako niyan at maririnig niyo rin sa background yung mga sounds habang nandun ako. ๐
Habang nasa hospital, may nagtanong sa akin na friend kung covered daw ba ng HMO niya yung isang specific procedure.
Sabi ko, possible naman, pero ๐ฑ๐ฒ๐ฝ๐ฒ๐ป๐ฑ๐ฒ ๐๐ฎ๐น๐ฎ๐ด๐ฎ ๐๐ฎ ๐ฝ๐น๐ฎ๐ป ๐บ๐ผ. May mga benefits, inclusions, limitations, at exclusions na kailangan mong malaman.
So instead of guessing, ๐๐ถ๐ป๐ฎ๐๐ฎ๐ด๐ฎ๐ป ๐ป๐ฎ๐บ๐ถ๐ป ๐๐๐ป๐ด ๐๐ ๐ข. para makasiguro. Thankfully, okay naman, and helpful din yung hospital in assisting us.
Kaya naisip ko, share ko na rin ito for awareness.
Whether company-provided yung HMO mo or ikaw mismo ang kumuha ng individual plan, ๐ถ๐บ๐ฝ๐ผ๐ฟ๐๐ฎ๐ป๐๐ฒ๐ป๐ด ๐ฎ๐น๐ฎ๐บ ๐บ๐ผ ๐ธ๐๐ป๐ด ๐ฎ๐ป๐ผ ๐ฎ๐ป๐ด ๐ฐ๐ผ๐๐ฒ๐ฟ๐ฎ๐ด๐ฒ ๐ป๐ด ๐ฝ๐น๐ฎ๐ป ๐บ๐ผ.
Hindi porket may HMO ka, automatic covered na lahat.
๐ Know your benefits
๐ Know your coverage
๐ Know your exclusions and limitations
๐ And kapag hindi ka sure, call your HMO and ask.
May booklet or information naman usually about your plan. Take time to read it kasi mas okay nang alam mo na bago mo kailanganin.
And for those asking kung ano ang HMO ko, Intellicare. I've experienced three different company-provided HMOs over the years, and based on my personal experience, very responsive ang Intellicare.
Pero regardless kung anong HMO ang gamit mo, ang ๐ฝ๐ถ๐ป๐ฎ๐ธ๐ฎ-๐ถ๐บ๐ฝ๐ผ๐ฟ๐๐ฎ๐ป๐๐ฒ: ๐๐ป๐ฑ๐ฒ๐ฟ๐๐๐ฎ๐ป๐ฑ ๐๐ผ๐๐ฟ ๐ฝ๐น๐ฎ๐ป.
Kasi ang HMO, hindi lang dapat โmay card ako.โ
Dapat alam mo rin kung ano ang covered saโyo. โค๏ธ
