It is my understanding that because mama is 74 years old she
qualifies for their "premium" plan; the cheapest policy is just over
Php26,000 annually. That's a little over $600 a year or about $50 a
month. The coverage is a whole lot betterthan Philhealth and the co-
pay when required is only 20%. As it is the $100 a month we send her
for meds will now not only pay for the monthly premium but also so
for the 20% co-pay. This means no extra money out of our pocket.
I'll call Blue Cross next week to confirm what I believe to have
understood reading their website.
DJ
Hawaii
--- In LivingInThePhilippi
<ogergree@..
>
> --
> I,m in blue cross but my wife is in P.health and didnt know that the
> cover was so low
> Problem is that firms like British Ex Pats wont cover after 65 yrs.
> and BC charge extra up to 75 and then I believe they dump you
> The problem with the Philhealth office is that one has to Queue for
hours
>
>
> Gerry
>
>
>
>
>
>
>
>
>
>
> - In LivingInThePhilippi
wrote:
> >
> >
> > List Guide note: Somone wrote some where else. . ..
> >
> > I am running myself ragged. My GF's mom (74 yrs old) is
constanly in
> > need of medical care. We send $100 a month for her meds. I
recently
> > found out that her Philhealth plan only pays 20% of her costs.
Every
> > so often another "emergency" rears it's ugly head and we get a
call
> > for more money. I'm wondering if we can pay for the
best "Philhealth"
> > plan available and thereby cut the out of pocket expenses.
> > Currently the cheapest plan is 100 pesos a month. IF possible,
I'd
> > rather pay 500 pesos a month and have her *co-pay* go from 80% to
20%.
> > Sure makes sense to pay 500 pesos on a premium and send her 4500
> > pesos for the meds and other out of pocket expenses.
> >
> > I've gone to the Philhealth website and looked at the various
plans
> > that are offered. I found a good plan but I can't find a premium
cost
> > associated with the plan. I have been on the phone for the last 7
> > hours (8 am to 3 pm PI time & calling from Hawaii) trying to
contact
> > someone there. That's where the fustration sets in. The lines
are
> > almost always busy. On the three times I got through I received a
> > recorded message. On two occasions I pressed two for enrollment
and
> > once I hit zero for the operator. The extension rings, no one
picks
> > up and it disconnects. (How do the locals deal with this?Huh)
> >
> > So here's is my query for the enlighten ones: Can I buy and
> > "upgraded" *Philhealth* plan for mama and how much? Also, does
> > anyone know a "magic" number (I'm calling 673-9999 & 673-3754)
that I
> > can call to get to a real live person at Philhealth to answer my
> > question?
> >
> > DJ
> > Hawaii
> >
>
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