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Ballparking costs and insurance coverage


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We are relocating Feb 1 and it's time for me to make some health insurance policy decisions/purchases.  We are:

 

Myself, 58, good health, but on meds for BP and cholesterol:  Diltiazem (Cartia XT generic) 240mg/day, Lisinopril 10mg/day, Simvistatin (Zocor generic) 40mg/day

Asawa, 33, excellent health

Daughter, 4 years

Son, 9 months

We will be entering Balikbayan, after 6 months or so, I'll be applying for 13a.

 

Looks like Philhealth and a second policy, was looking at BCBS PI.  I see the BCBS thing has been pounded to death in other posts, but back-of-napkin math on PhilHealth seems worth it.

We will not be returning to US, will most likely exclude that on any policy.

  1. Anyone know what I can expect to pay for prescription maintenance meds (listed above or equivalents)?  Any experience with exclusion of "pre-existing" conditions?
  2. I have a decent budget for this and can get the policy coverage/costs info myself, just looking for some direction.

Thanks!  I'm probably going to purchase the policies before departure.

Edited by johnk213
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I can't comment about tricare, but there have been many prior posts about issues related to costs and reimbursements. As far as BCBS, it seemed to me most members of LinC who posted had favorable comments regarding the coverage and care. I don't use it, but it does seem okay.

 

The cost of Philhealth is low for a reason. It is barebones coverage. Again, there are members who have reported their experiences, but as I recall, none were bad. It is economical, but you can expect to have out of pocket costs.

 

If you are comfortable with generics, meds can be reasonable for cost. My health coverage allows for reasonable compensation, but I still stick with generics when I can.

 

Not sure you can buy coverage prior to arrival if it is sold here.

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NOSOCALPINOY

My wife and I have TRICARE Overseas for the retired military and works OK. You didn't mention if you are retired military and if not just disregard my comments about TRICARE. We do though have PhillHealth as a supplemental backup, but haven't yet to use it. 

That's a pretty loaded question about medical health coverage and costs, but here's what I found concerning BCBS below and or else Google is your friend. Looks like you have some homework to do before and after getting here to the Philippines.

https://www.google.com/search?q=blue+cross+blue+shield&gws_rd=ssl

http://www.bcbs.com/glossary/frequently-asked-questions.html

https://www.geo-blue.com/

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Salty Dog

My wife and I have TRICARE Overseas for the retired military and works OK. You didn't mention if you are retired military and if not just disregard my comments about TRICARE. We do though have PhillHealth as a supplemental backup, but haven't yet to use it.

That's a pretty loaded question about medical health coverage and costs, but here's what I found concerning BCBS below and or else Google is your friend. Looks like you have some homework to do before and after getting here to the Philippines.

https://www.google.com/search?q=blue+cross+blue+shield&gws_rd=ssl

http://www.bcbs.com/glossary/frequently-asked-questions.html

https://www.geo-blue.com/

TRICARE is secondary if you have Other Health Insurance such as PhilHealth.

 

I'm pretty sure you sign some sort of statement when you file a claim with TRICARE that says you don't have OHI.

 

You are required to file with PhilHealth first and then after they pay you file with TRICARE.

 

It doesn't matter if you don't want to file with PhilHealth. You don't have a choice as long as you have them.

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Thanks all, keep the info coming.  I checked out the links, they are all US-based and global travel BC/BS programs, I am looking specifically at the PI BC/BS company.  If possible, I want to get the forms and applications out of the way now, but if I have to wait then so be it.

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Yeah, I saw that post.  Have the BC info, PhilHealth site been down all day (US time). :wheel:

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Yeah, I saw that post.  Have the BC info, PhilHealth site been down all day (US time). :wheel:

Members who have signed up reported the Philhealth registration as quite simple. Same for my family. Just need identifying documents as I recall (birth certificates etc).

 

Using a local insurance company has the added benefit of getting you admitted to a hospital quicker than when cash basis.

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I've found some links that provide information about pre existing conditions and how it affects coverage.

 

http://www.bluecross.com.ph/index.php?id=news&page=24

 

http://www.icare.net.ph/pec.html

http://www.icare.net.ph/faq.html

 

May require some translation, but the information is useful.

 

If you have some sort of pre-existing condition, perhaps taking along a "certificate" describing the condition and the care being provided would help. You still got a few days left! Keep I mind with USA medical privacy laws, this may be a harder task than it seems.

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A friend of mine has high blood pressure controlled by meds and according to him BC would not take him without a lifetime exclusion for anything connected to the circulatory system but Caritas took him with a one year exclusion.

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NOSOCALPINOY

TRICARE is secondary if you have Other Health Insurance such as PhilHealth.

I'm pretty sure you sign some sort of statement when you file a claim with TRICARE that says you don't have OHI.

You are required to file with PhilHealth first and then after they pay you file with TRICARE.

It doesn't matter if you don't want to file with PhilHealth. You don't have a choice as long as you have them.

I'm aware of the OHI. I personally do not have PhilHealth, my wife does! So no, I personally do not have OHI, it would just complicate my TRICARE claims, but then again those under the DEMO Program like those affiliated with Medical City, the hospital would file our PhilHealth/TRICARE claims in our behalf and only  just charge us our deductible and 25% copay making it less complicated to file our claims ourselves. 

Edited by NOSOCALPINOY
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This is quite an exercise.  Looks like BC permanently excludes preexisting conditions.  Others exclude, but only for the first year.  Anyone have experience with MaxiCare, Cigna, iCare, others?

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I just wanted to add that recently I was advised on this site (maybe by Monsoon? I'm not sure) that travel insurance is always cheaper than health cover yet can provide the same or more benefits. Anyway, I found that to be the case for me. Obviously it's only a permanent solution if you're a permanent traveler.

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