Medicard HMO Maternity coverage

Question

Hello mga mommies! Sino po dito may Medicard select na HMO card for maternity coverage? How much po binabayad niyo monthly? Or sino po dito may HMO maternity coverage and ano po ang HMO niyo?I have my own HMO from my company pero ang maternity coverage lang is yung pre and post natal, some lab test, and up to 5k reimbursement for delivery/procedures. Di nga lang covered yung hospitalization for maternity.Balak ko po kasi kumuha ng sarili kong HMO mismo para magamit sa panganganak though we do have philhealth and savings pero we would like to maximize our options para talagang ALMOST free na yung maternity ko. Thank you!

Amihan Santos · Answer

Ay, good thinking talaga na mag-add ng sarili mong HMO para sa maternity! A few of us tried that approach kasi ang maternity packages ng company HMO ay talagang minimal lang, and honestly ang hospitalization costs ay nakakatakot pag walang full coverage. Medicard Select ay isa sa popular choices ng mga kapit-bahay ko, pero ang monthly premium depends talaga sa age and plan tier, better kung direct inquiry ka sa Medicard mismo para makita mo exactly kung ano covered nila end-to-end (delivery, room, anesthesia, lahat). Maraming moms din sa circle ko ang nag-combine ng Philhealth + sarili HMO para talaga naman zero-out or minimal ang out-of-pocket, so your strategy is solid! Pwede mo rin tignan other providers like Intellicare or Avega para compare, kasi different ang benefits per provider.

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