Skip to main content

Health Insurance for Midlife

Health is wealth. It is very important to take care of our health regardless of age. More so for midlife people. It is in this phase of our life, we become vulnerable to illness like hypertension, diabetes, even going through the various stages of menopausal may bring us to make appointments with our doctors. Medical treatments are costly and this article is about how we can alleviate the burden of shouldering steep medical expenses. 


Creative Common License, Woman by Cuba Gallery taken on April 19, 2012,All rights reserved, https://www.flickr.com/photos/cubagallery/8360030698
We need an insurance plan to cushioned us from expensive medical expenses that we will incur if we need to attend to our medical needs. We have two options that we can avail to address our financial concerns about our medical needs.

The 2 options available are:

1. Private health insurance
2. PhilHealth programme

Private health insurance is widely available and it can be very expensive. If you are still active in the work force, your company may have provided their employees with a health care insurance. The premium may either be paid 100% by the company or it will be on a sharing basis. The employee may be required to pay a certain percentage of the annual premium. If you are self employed, you can get a health insurance for yourself and pay the whole premium.
These are the general benefits that a patient can receive if he is enrolled with a private health insurance:

IN PATIENT:

  • Room and board accomodation
  • Use of the operating room, intensive care unit (ICU), isolation room and recovery rooms
  • Professional fees of attending physicians, surgeons and anesthesiologists
  • Standard nursing services
  • Medicines for in patient use
  • X ray, laboratory examinations, diagnostic tests and therapeutic procedures incidental to confinement
  • Dressings and conventional casts
  • Anesthesia and its administration
  • Oxygen and its administration
OUTPATIENT:

  • Consultation, except for medicines prescribed
  • Eye, ear, nose & throat (EENT) treatment prescribed by an accredited physician or specialist
  • Treatment for minor injuries such as lacerations, mild burns and sprains
  • Dressing, conventional casts & sutures
  • X ray, laboratory examinations, diagnostic tests and therapeutic procedures prescribed by an accredited physician or specialist

What I have listed above are the general provisions the members can avail when enrolled in a private health insurance. The benefits may vary depending on the provisions of the health insurance company and the type of plan a member wants to avail. The premiums may also vary depending on the type of plan. 

I am enrolled with Maxicare and this is provided as a company benefit. When I was hospitalized because of mild stroke, all my medical expenses were shouldered by Maxicare except for the professional fees of my neurosurgeon and my take home medicines.

Members are required to avail the services of Maxicare's accredited hospitals and doctors to enjoy the full benefits of the plan they are enrolled.

As an out patient, all  diagnostic tests and laboratories prescribed by my cardiologist and ob gynecologist was shouldered by Maxicare except for medicines prescribed by my doctors.

I can truly say, I was saved from shelling a big amount of money for my medical needs because I have a health insurance.

An alternative option is the PhilHealth programme which is government subsidised in the Philippines. The beneficiaries of the PhilHealth programme have access to a comprehensive package of services, which includes:
  • In patient care
  • Catastrophic coverage
  • Ambulatory surgeries
  • Deliveries
  • Out patient treatment for malaria & tuberculosis
If one is identified as indigent or an Overseas Filipino Worker (OFW), they are entitled to outpatient primary care benefits.

These  are the benefits that PhilHealth members can receive:

IN PATIENT:

  • Room and board
  • Medicines
  • Diagnostic and other services
  • Professional fees and operating services under the "all case rate" payment scheme


OUT PATIENT:

  • Day surgeries
  • Radiotherapy
  • Dialysis
  • Out patient blood tranfusions
  • TB-DOTS - Tuberculosis - Directly Observed Treatment, Short Course
  • Malaria treatment
  • HIV/Aids treatment
  • Animal bite treatment
  • Cataract operations
  • Vasectomy
  • Tubal ligation


Patients have free choice of providers both public and private. Providers, meaning hospital or clinics are allowed to charge the patient the difference between the total cost of care and the balance of the billing which PhilHealth will pay.

Indigent and sponsored members, lifetime members, senior citizen members, household members are entitled to avail the free hospitalization under the no-balance billing scheme when they are admitted in a non private room of public or government hospitals.

To enjoy the other half of our life it is imperative that we take care of our health. We have to strive to live a healthy life for prevention is best than cure. 

If you want to avail of a private health insurance, research about the different plans and its premium and choose which fits best your budget.

If you learned something from this post, you can like and share it or share your thoughts. If you want to be notified once a new blog is up, hit subscribe found at the top of this post.

Middle life is beautiful.

Till next time. God bless.



























Advertisements

Popular posts from this blog

Singapore:Day 2 Kampong Glam, Sentosa, Universal Studios Singapore

I was supposed to start the 2nd part of my Singapore trip last night but because of a lot of work at the office (making up for the days I was away from work), I was so tired when I arrived home. I'm missing Singapore already so I'd better start my blog right now!


Anyway, day 2 started earlier today. While Charmi was still sleeping, I sneaked out of bed and took a bath. The bathrooms at Meadows Hostel where we stayed were very clean but you have to bring along your own toiletries because they are not provided. No need to bring towels, they will provide it, and before I forget when we checked in, the receptionist gave us 2 free adapters. By the way, I booked our hostel via Booking.com. No credit card  or prepayment was required, I paid in cash at the hostel.
Before taking a bath, I took my breakfast and I have the pantry by myself. The pantry has an overview of the sky rise buildings in Singapore and I was enjoying the sprinkling of rain. It was a beautiful morning, no hurries,…

How can Midlife Women Live Longer?

How long do you want to live? 80, 90, 100? But the real question is," how can we live longer?". To live longer entails keeping our bodies in good health, in good shape, nurturing our spiritual growth, and caring for our family. According to data, a woman turning 65 today can expect to live on average until 86.6 years of age. I stumbled upon in internet a life expectancy calculator, this calculator computes the additional life expectancy of a person. This is how it works: I input my date of birth then it calculated that I will have an additional life expectancy of 33.6 years! Wow!

The truth is there are several factors that contributes to increase or decrease in life expectancy. These are:

1.  Current health- are you in good health? suffering from an ailment?
2.  Lifestyle - are you a smoker? drinks excessively? does not exercise? parties too much?
3.  Family history - is there a member of your family who has cancer, diabetes, hypertension?

Smoking, drinking too much alcohol, …

Korean Skin Whitening Product for Php 13.00 only

Anyong haseyo (pronounced ahn-yo-ha-say-yoh)! Korean beauty is the mania these days, everyone is all agog with the perfectly, glowing, white skin of the oppas and unnies. While browsing over the internet, I came across this product Seoul White Korea, I looked it up and learned it is sold at Watsons. After enjoying the sweltering heat of summer in the beaches, my natural morena skin became darker and duller. I'm not after achieving a fair complexion like the Koreans, what I want is to bring back the color of my skin to its natural glory in the shortest time. So, my midlife women- sisters, let us try these beauty products and see if we can incorporate it in our daily skin care routine.


I visited a Watsons store near our house and went directly to the skin care racks but no Seoul White Korea in sight, so I walked over at the other side of the store and there I saw my Seoul White Korea! There was Seoul White Korea Soap and Seoul White Korea cream in tube and sachet. I took down the ba…

Nuffnang