My cheap advice. Be healthy and be positive about retirement in Philippines. Get your yearly general check up in States or in Canada. Have an exit plan for emergency health issues. Don't get stuck in the Philippines if your sick.
I think the yearly check up in the Philippines is fine for now. I am still working here in the US but when I visit the Philippines I asked doctors there to do a general check up. Same cost here even with the insurance plus you get better service. People there are more caring
saving this for future reference. thank you so much ate G! this is one of my main concerns and the top source of my anxiety in planning for an early retirement in the Philippines.
Thank you so much ate Gi!! Been waiting for your latest vlog. This is so informative. May 10 years pa kami ng hubby ko to retire pero preparing and getting all information we can get thru online, people we know and helpful people like you. Thank you so much!!❤
Great info for those who need it! This was one of our biggest concerns as we plan to retire in PI for good in 4 years. Fortunately for my wife & I, I'm retired USAF & can use TRICARE Overseas Program with preferred/certified providers in PI. Our co-pay if it doesn't change is currently at 25% & our annual cost currently stands at $726.00/year.
As a seasoned FILAM finally embracing my Filipino roots & researching pre-retiring data such as health insurance in PH - this content is 100% of the data options I was looking for - I even forwarded to my family/friends. I'm glad I stumbled across your channel & will be checking out the rest of your videos. Salamat Ate Gi 🙂
i appreciate the detailed research on costs. mas maigi na gamitan ng ibang criteria like in real life, how well do these insurance companies process claims.kasi all look good on paper. but kahit sa US, maraming horror stories pagdating sa bayad ng claims. also compared to other western countries, US does not have univ healthcare and is profit driven. if you're indigent then it is free but if no, then it is expensive. my sense is dealing with health insurance cos. in pinas is going to be more challenging compared to US and you have to be prepared to pay out of pocket. that is the trade off for attempting to have a robust quality of life in your remaining years. aanhin naman if relatively healthy but without a sense of community and fulfillment. that is not living. so be proactive in your diet and exercise and things within your control but ultimately take calculated risks in health arrangements. nothing is ever guaranteed anyway. think of many expats doing well there, walang roots, iba walang local spouse and on a budget and okay naman. have faith.
health insurance here in The Philippines is hit or miss, I just made a video about it. cash is king here, because the insurances rarely cover entire costs and if you don’t have the cash sometimes they wont even take care of you
This is so true. My friend's father died because they did not have cash on hand for downpayment at the hospital and they would not take her credit card info. it was so sad.
@@friedapplepie1872 yea they need to do better with that. It certainly depends on the place and the doctor, but come on they shouldn't put money over people
THANK YOU! I subscribed and shared your video to my HS classmates who are now FilAm here. Very informative and awesome research! You are AWESOOME "kabayan!"
Thanks for this info - yes, it's true - health coverage is the biggest hindrance to folks in the US who want to retire. But there are options in the Philippines kung dual citizen ka.
Thank you for this very vital info. Everyone who's thinking or planning on retiring in the motherland is grapples with the reality that Pi could use some improvement on so many areas and this is on top of them. I myself am putting away money just for health care for when I move back. I wish you happiness on your journey back. Be well. 🤗
An eye opener for all, not just when one is about to retire, whether here or there because there is this wellness-illness continuum from the womb-to-tomb that partakes cost and expenses, then financial planning is one key to add in taking care of one’s health, be it in promoting health, preventing illness, treating a medical issue or concern, recuperating from hospitalization, or rehabilitating from a recent health challenges, on top of the possibility of getting hit, accidentally. Having a strong support system that are as equally as health conscious as all family members alike is highly encouraged. God bless for being so kind in sharing this video.
@@LCTalens1 We try to cover as much that we can cover to prepare for retirement. But we all know that we could not account for, like what you said, health outcomes. In that area, we can only trust God that he will take care of us. Thanks for watching!!
Thank you for doing the hard work in researching health insurance. My husband and I are in Texas, and we plan to go back to the Philippines. We are in our 60’s. Now I know about hospital stocks option which I plan to pursue. Salamat!
Thanks Gi! Another important and informative vlog which tackles the utmost concerns of retiring back home. Thank you for your advanced research. Kudos to another well made vlog!
Love the edits and your voiceovers, Ate. Can't wait to see the content when you guys are back home. We're in our 30s in Los Angeles but want to settle in the Philippines in our 40s. Recently came back from PI visiting white sand beaches and BGC, and we were blown away by the modernities, excellent restaurants/beautiful malls and obviously the beautiful beaches. We really do not have those things here in the US especially with the rising cost of everything (who's going to build beautiful and modern shops in this economy?), and maybe the closest white sand beach is Mexico, the other Hawaii which does not even compare to Palawan. All the best. Hope you all pull the trigger sooner than later. Time is short. You guys should just let that compound interest work since you guys invested, your upcoming SS and sale of the house/savings. Just pull the trigger!
💛💜 wow! retiring in your 40's! that's great!!! naguumpisa pa lang kami nung 40's kami eh kaya ngayon pa lang namin kayang mag-retire. in fact in a few years pa. enjoy your US journey and keep the dream alive! thanks for watching!
No matter what Insurance you choose just be careful because once you already confine dame ng mga charges minsan kahit di nila ginawa ang procedures meron naka charge so please read the bills at isulat lahat ang mga tinutusok sa Inyo pati mga ekg, ecg etc. so just be very careful
Even without health insurance, I think the hospitalization in the Philippines is still a lot cheaper than in the US. My brother was hospitalized at the Lung Center in QC for more than 2 weeks and his payment upon his discharge came out to only about 100,000 pesos (private room) This is the total with SC and PhilHealth discounts. I went to an EENT and their fee was 1000 pesos and with SC discount, I just paid 750 pesos. So, just set aside extra money when you are there just in case you get hospitalized. It is cheaper than paying some insurance company. Also, Medicare will cover if it is an Emergency. Pay your bill first and Medicare will reimburse you.
I’ve been retired for 18 months now been traveling around and prior retirement I’m already eligible for Medicare part A and also elected to get part B. Aside having Medicare I also kept my health insurance from my previous employment where I retired from which was J&J. So I have a very good, if not best medical coverage I can get here in the USA with very affordable co-pay for hospitalization etc. I walked 4 miles every day around my neighborhood when weather permits and currently in the best of health no prescription medication of any kind whatsoever thank the lord🙏🏻Lately, I’ve been thinking about going back in the Philippines and live there as I have everything I needed, We have a beautiful home and transportation that are paid off in the province 🙏🏻 still what worries me is health insurance in the Philippines. I will do more research on pros and cons before deciding whether to move forward. Appreciated all the info and thanks for your hard work🙏🏻
Check if your insurance in the States will cover you when you are in the Philippines. Kaiser will reimburse your emergency care including hospitalization but you will need pre-authorization for other medica/surgical services. Blue Shield will reimburse your medical expenses but you have to submit all the necessary documentation. They reimbursed the cost of my pacemaker replacement including hospitalization and doctor fees. St.Luke's accepts HealthNet insurance and they will do all the paper work for you including preauthorization. Unfortunately, Medicare is still not accepted in the hospitals in the Philippines. Outpatient visits are cheaper than the co-payment I used to pay in the U.S. Remember, seniors have 20% discount on all medical services including doctor's fees. Even quality dental and vision services are cheap so I don't mind paying in cash. I'm an 82 yr. old M.D. who decided to continue my retirement in the Phil.and came back in 2016. It was the best decision I made in the last 10 yrs. and I'm living a retirement life that I have dreamed of without worrying about my health care needs. I can definitely say... No Regrets! Hope this helps you make your decision about retiring in the Philippines.
Due to insurance fraud, you still have to come up with cash up front, then claim after the services were rendered. This could take time due to documentation requirements. Make sure you have a lot of cash to cover your hospital bills because the insurance will not pay up front. Especially, when your provider is overseas.
I also researched that Life insurance with living benefits can be useful in the Philippines. If you are not able to do the 5 daily activities, they can provide you monthly cash benefits based on your coverage. It covered chronic conditions, cancer, or any injuries that cause for you not to do the 5 daily living. Also, if you have flex spending account from fidelity you can use this as well for your medical expenses even if the clinical situation happened 4 yrs ago.
Thanks for a very well researched and detailed presentation. We are also considering repatriating in a couple of years. This should really help us plan and prepare.
@@official_ate_gi_channel i heard from a husband’s niece who works at Blueshield Blue Cross, She said St Luke’s and i think the other one is Asian Hospital.
since when did Medicare is acceptable outside US po? As far as I know, per medicare, it doesnt apply if outside US… unless that’s changed very recently… thank you po..
Hello ate Gi! So thankful for the effort you put on this and for sharing them to us. I’ve been waiting for this since you mentioned it on your previous episode that you’ll be coming up with this topic about health insurance when retiring in the Philippines. I’ll be getting there soon and this is really a gem of information. All the best to you and your family!!😊
I also looked into this...since my US health insurance or medicare covers emergency...i figured i will just need air medical transport funds to be airlifted...for other services it is quite affordable...and even cheaper if you have senior discount like we do since we're dual citizens...also i continued my SSS phils which also covers some medical expenses...
You are right Ate Gi! Insurance are not really that dependable. If you are retiring in the Philippines, best option is Hospital Stock Option. Like Condos, Investment cost are not that expensive before hospital construction. For me its at least 2 years waiting. I'm in Quezon City. You can ask your Doctor-Friends for it. And yes the benefits you mention is almost the same with mine.
Very informative po Ate Gi! The hubby and I retired early in the Philippines late 2022 and still come back to the US for preventative care but also looking for medical insurance options in the Philippines. A friend of ours there who works for a US company has Maxicare. We will look into that too aside from your options here. Thank you!!
This is very informative. It is making me rethink about retirement altogether. I am 100% in agreement commenting that HEALTH is wealth. Stay healthy to avoid this astronomical cost of medical insurance. However, why it is called insurance because we never know what will happen at the end of the day, we need to love ourselves by staying HEALTHY ❤
Thank you for doing the legwork. I am 62, retired military and we have Tricare for Life and VA but I am still intrigued by the options you have presented. Also, a lot of people focus on treatment; putting the focus on metabolic health, improved body composition (muscle-wise) and mobility will improve your quality of life in your later years. Salamat.
You deserve all the care lined up for you. Tricare, VA. At may VA sa atin that can take care of you, I’m sure you know. Salamat po for watching. And thank you for your service. 🫡
Thank you. When I travel back , I get the medical travel insurance. I don’t have plans to retire back in the Philippines because my benefits are here and my husband is not Filipino however those yearly costs is actually feasible…
The problem with health insurance in the Philippines is as you aged only few companies will cover you & if they do, the premium is sky high with limited coverage. As you aged you need medical insurance more cuz you'll have more health issues. The best medical knowledge, most up to date treatment & newly FDA approved medication are not available in Philippines.
Do pushups and calisthenics all day. Practice strict caloric restriction. Sleep well. Bathe once a day, wash hands and face frequently. Brush after each meal. You'll be healthy as a marathoner, no sickness worries. Just me. Thank you.
Totoo yang sinabi niyo. Malayo pa ako sa retirement, iniisip ko na mas gusto ko umuwi sa Pinas pag panahon para mag retire. The best nga yung mag stock member, pero specific lang na mahospitalize ka most likely dun sa hospital na may stock ka. Kaya dapat dun ka din malapit nakatira in case of emergency. Marami na bang mga hospital sa Pinas na may stock option? Hopefully you can make a video about hospitals with stock options.
As I know stock options are for practising doctors. But for public, the Securities and Exchange Commission stopped one hospital from soliciting from public, stock membership without SEC-registration.
We're lucky cuz all immediate family on both sides are in the US. Left Pinas when I was 15 yrs old. Been here for 58 years. We still visit Pinas every 3 or 4 years for vacation but not to retire.
If you have a serious medical emergency and you are brought to the best hospital in pinas, your insurance won't be enough. If you have a chronic medical condition you'll know pretty much as to how much you'll be spending on maintenance, tests and check up every month to keep you well and alive while in pinas.
Nearly the same with other known insurance here in PI..Some of them maxicare, medicard, ucpb and there are others still and growing but you still need to check them out.
I appreciate so much providing us with this informative video about health insurance options. We also understand that we get insurance to cover for the medical expenses that will really get you bankrupt if you didn't have coverage .. the dreaded diseases because yung routinary expenses sa hindi malubhang sakit kaya naman i-self insured.
ATE GI....."THANK YOU" for providing us with this much needed information. This is very helpful for those who might want to retire in Philippines. Your information is very thorough and makes it easier for us to decide. THANK YOU..
Hi, for those in Central luzon, Lakeshore Medical Center located in Mexico Pampanga, very accessible from San Fernando and nearby towns, I believe is still open for stock options. The hospital has now started its construction. You may visit their website or verify with the township.
What is this kind of feeling na every time po na may upload kau Ate Gi at napanuod parang navivisualize ko ung future. Salamat po more power to you ma’am
Thanks for sharing this informative and helpful content! Goes to show that you don’t need to deplete ALL your savings when you get seriously ill in PH. You can save up and prepare for it in advance through health insurance (if you can afford it).
Due to horror stories dealing with insurance companies in the Philippines, I don't trust them. At least in US, they can be sued by anyone, people have rights. Also, PhilHealth is fine for now, but with continued massive corruption, I do not know if it will still be there when the time comes that people need it.
@@rachelboticario4761 where do you live? Depende yata sa lugar o sa ospital sa Pinas at kung anong klaseng US health insurance. I heard some hospitals accept US health insurance but you have to pay first and then file a claim for reimbursement later through US health insurance para mabawi iyong binayad mo sa ospital sa Pinas.
Thank you for this helpful video. I'm like you someday my wife and I would be partially retiring in the Phlippines 6 months out of a year - every year.
Hi Ate Gi. Just get an insurance in the U.S. that will cover you in the Phil. HealthNet is accepted at St. Luke's Hospitals and they will even do the pre-authorization for you. There is a special concierge service at St.Luke's that is reserved just for international insurance. Blue Shield will reimburse your medical expenses but you have to submit all the necessary documentation yourself. They reimbursed the full cost of my pacemaker replacement including hospitalization and professional fees. Kaiser will cover emergency care including hospitalization but you also need to submit the documentation yourself. I was covered fully when I was hospitalized for a bout of pneumonia. (This was before I switched from Kaiser to Blue Shield). Outpatient visits are cheaper than the co-pay in the U.S. Most physicians charge less than P1000 (about $20) per clinic visits. Remember, seniors have 20% discount for all medical services including medications, so most clinic visits will be less than P1000. It is the same for dental and vision care so I usually just pay in cash. Of course, this all depends on where you plan to live in the Phil. I recommend that you get long term care insurance. Mine, with John Hancock, will cover for a caregiver and a home nurse since I prefer to remain at home in case I become bed-ridden. Reading the book "Being Mortal" by Dr. Atul Gawande helped me make the decision to continue my retirement in the Phil. since it helped me plan for what can happen healthwise as I gets older. I'm an 82 yr. old M.D. who spent almost 50 yrs. training, practicing and teaching in the U.S. (in N.Y. and the SF Bay area) and came back in 2016. I can truly say I'm enjoying my retirement life.
Hello! This is such good information! Thank you so much for taking the time to explain all of these. It gives us a sense of relief because we will have Blue Cross Blue Shield upon retirement. At first, we didn't know that we can be reimbursed by Blue Cross. But some viewers, like you, were so kind to inform us that international kiosks are now available at some Philippine hospitals to cater to international health insurance. Such a blessing! By the way, I also want to verify if John Hancock will cover long term care insurance in the Philippines. I'm assuming it will, because you are in the Philippines, but I just want to validate it. I love hearing that you are enjoying your retirement in our home country. Thank you for your valuable time sharing this info with me and my viewers. And thank you for watching.
@@official_ate_gi_channel I got my long term care insurance when I was still in my 60's. Before I left for the U.S. in 2016., I called John Hancock and consulted with an agent about coverage in the Phil. I was told that I could be covered for a caregiver and nursing care so I decided to continue with the insurance coverage and just cancelled the services I won't need in the Phil.l such as nursing home care thereby decreasing my monthly premium. I now pay $127/month which is automatically taken off my Wells Fargo account. I'm still pretty mobile and self-sufficient but if I want, my primary physician (a gerontologist) is willing to sign the papers so I could hire a caretaker anytime. By the way, my brother who retired from Florida also has Blue Cross and he has no problem getting reimbursed for his cardiac care and hospitalizations. I know that planning for retirement could be an anxiety laden process. It took me several years of going back and forth between the U.S. and the Phil before I finally decided to pull down the lever. It was all worth it because the best thing about retiring here in the Phil is, as a senior you get respect and priority anywhere you go and that makes you feel extra special unlike in the States where you are mostly ignored.
@@official_ate_gi_channel I got my long term care insurance with John Hancock when I was still in my 60's. Before I left for the Phil. in 2016, I contacted them and I was told my insurance would cover me for a caregiver and in home nursing care. I decided to continue with the insurance but cancelled services I won't need like nursing home coverage and others. I was able to decrease my monthly premiums and now I'm only paying $127/month which is automatically taken off my Wells Fargo account. I'm fortunate that I'm still pretty mobile and self-sufficient though my primary physician (a Gerontologist) said she will sign the papers for me to hire a caregiver anytime I want. By the way, my younger brother who retired from Florida also has Blue Cross/Blue Shield. He also had a pacemaker replaced and his cardiac care and hospitalizations have all been covered. Of course, with BC/BS you have to pay first and then you get full reimbursement. I remember for my pacemaker replacement with 2 days hospitalization at St.Luke's Global, I had to pre-pay about P80,000 including professional fees which were then fully reimbursed. Therefore, you still need to set aside some cash for emergency medical needs. I'm very satisfied with my healthcare here in the Phil. I'm surprised and impressed with the quality of technical know how and equipments the doctors are now using. I think they are on par with the hospitals in the U.S. For example, they are now doing routine femoral ablation for atrial fibrillation. I had to go to Stanford to have the procedure done since it was not available at Kaiser at that time. Of course there are some inconveniences you will likely encounter such as doctors being late for their appointments and a policy of first come first served in the waiting rooms but they are part of the adjustments one has to make if one decides to move back to the Phil. I found that changing my mind set helps me enjoy my retirement time more and appreciate what the Phil. has to offer. Best of all, being a senior here makes you feel extra special. You are given priority and respect anywhere you go unlike in the U.S. where seniors are mostly ignored.
I got my long term insurance with John Hancock when I was still in my 60's. Before I left for the Phil. in 2016, I contacted one of their agents and was told I would be covered for a home nurse and a caregiver anywhere I go in the Phil. I then cancelled the nursing home and other coverages which I won't need in the Phil. thereby cutting down my monthly premium. I now pay $125/month which is automatically taken off my Wells Fargo account. I'm fortunate to still be mobile (I still play golf occasionally) and still self sufficient though my primary physician (a Gerontologist at St. Luke's) said she will sign the papers for me to hire a caregiver any time I want. By the way, my younger brother who retired from Florida also has Blue Cross/Blue Shield and he didn't have any problems when his pacemaker was replaced. His cardiac care and hospitalization bills were all reimbursed. Of course, with BC/BS, you have to pay in advance. I remember when I had my pacemaker replaced, the hospitalization and professional fees came up to about P80,000 which I paid with a credit card. Needless to say, I'm quite satisfied with the medical care I'm getting. I'm impressed with how much technical advancement we have in our modern hospitals. Most doctors are equipped with the latest apparatus and instruments. I was surprised that they can do femoral ablation for atrial fibrillation almost like a routine procedure. I had to go to Stanford Hospital when I had mine done because Kaiser was still not doing it at that time. You're very smart in doing the research and preparation before coming back home to retire. It took me years of going back and forth between the U.S. and the Phil. before I finally pulled the lever down. It was all worthwhile. The best thing I found being retired here is that as a senior, I get respect and given priority anywhere I go. It makes me feel extra special! I don't think I felt it in the U.S. where seniors are almost forgotten and mostly ignored. @@official_ate_gi_channel
Thank you for sharing, great information!! I live here in the US and I will be retiring soon and planning on getting the hospital stock option. A friend of mine have that, she live in the Philippines, so if you will need that let me know and perhaps my friend and I could help.
Hi Ate Gi. I replied to your inquiry about the long term care insurance. I hope you saw it. I forgot to mention that as a senior (60+), every Filipino automatically qualifies for a senior card and Phil Health, free of charge. Even if you still reside in the U.S., you can get a senior card when you're here and you will get 20% in all eating places including McDonald's and Starbucks! If one has a medical disability, one can get a PWD (Persons With Disability) card which also entitles you to a 20% discount. Once you have a senior's card, you can get a Phil.Health card easily even without other documentations (it took me less than 15 mins to get one). If you are hospitalized, Phil Health discount is automatically deducted. I had a deduction when I had my cataracts extracted. For medications and groceries, you need to apply in the Barangay where you're residing to get a booklet to record the medicines and groceries you're buying. I hope this information helps.
Hello po! Yes..I read your 2nd comment. Salamat po. We're interested with J. Hancock's home care coverage. Tatawagan po namin sila. Sana naman hindi masyadong mahal na. Kami rin po, we trust the medical care sa atin cause we are based in Manila. Makati Med, St. Luke's BGC or Asian Hospital are all accessible to us. Whenever I visit, I take care of picking up my mom's meds from Mercury Drug. I know about that booklet ☺. I didn't know about the grocery discounts. That there's a booklet to track that too. I'll tell my mom. Yes, seniors are given priority and respect in the Philippines. It's really wonderful. In 2 years, I'll get the same privilege. Maraming salamat po sa lahat ng inputs nyo. I learned a lot from you that are reassuring and I'm sure, the rest of the viewers are learning too. Thank you so much for watching my videos.
@@official_ate_gi_channel Great! On your next trip to Manila, I would like to invite you to visit me in Silang, Cavite where I built my dream retirement house on a fairway lot at the Riviera Golf and Country Club, 20 mins. from Tagaytay. I think it will give you a better idea of how one can retire here with a better quality of life than in the U.S.
I have to watch it again. This time I won’t skip adds. One add was 10 minutes long. You have quite a few adds. But I needed to watch the info asap. Thank you for this.
My suggestion to avoid stress and headache... Do your full medical health test in the US or if you are in Canada... Then go and have a nice vacation in the Philippines.
@@normamcquait1089 true, outside of Manila and cebu's best hospitals, nakakatakot ang mga ibang poor quality hospitals sa Pinas. Kulang sa doktor, nurses at medical equipment.
What a treasure of information. I am desperate for this because I plan to go home and my Illness is incurable. I’m on a clinical trial here and eventually I might run out of option. So my main concern is of course health insurance. I wish I could carry my Medicare and my Supplemental Paln the. But your Video gave me hope. Question- the prices are annual fees? I know that the way the work might not be perfect but to have those coverages and even if you might have to pay some upfront will be a big relief for me. I want to spend my last years with my family so your Video was Godsend. Thank you so much for a timely information. God bless!
Hi. Yes, the rates are annual. I am so sorry to hear about your illness. I wish you well and hope that you find one that will work for you. My best to you. Gigi.
Ate Gi, lahat ng Filipinos are all covered by Philhealth, like all patients undregoing hemodialysis worldwide not pay for The procedure, 156 sessions per year, it is a 3x per week. All meds like Epo, lab tests and medicines are all covered by philhealth. Meaning, The HD patients Dong have to pay a single cent. I believe that holds true for cancer patients.
This is a very important topic for pinoys who thought of retiring in the Philippines. Thank you for this video. 10 more years for me to do this.
My cheap advice.
Be healthy and be positive about retirement in Philippines.
Get your yearly general check up in States or in Canada.
Have an exit plan for emergency health issues. Don't get stuck in the Philippines if your sick.
Tama po. Prevention is better than medication. O regular check up para pag may major health issue balik US at ipagamot doon.
You can be healthy & get in an accident. You can have yearly checkup in the US but what happens if your cancer started when you fly back in Pinas. 😄
@JunRoss-pp3mv God forbid this happens to you. But, You might as well buy a lottery if you know your fate!
I think the yearly check up in the Philippines is fine for now. I am still working here in the US but when I visit the Philippines I asked doctors there to do a general check up. Same cost here even with the insurance plus you get better service. People there are more caring
COVER all the bases as suggested exactly and plan ahead
We need more content like this❤ thank you so much for sharing ate G!
What a very thorough and impressive content you made !!!!
Much appreciated and all the best.
Ms G! thank you for your hard work to share this very informative and very important vid. I have to save this one for my future reference.
saving this for future reference. thank you so much ate G! this is one of my main concerns and the top source of my anxiety in planning for an early retirement in the Philippines.
Thank you so much ate Gi!!
Been waiting for your latest vlog.
This is so informative. May 10 years pa kami ng hubby ko to retire pero preparing and getting all information we can get thru online, people we know and helpful people like you.
Thank you so much!!❤
Great info for those who need it! This was one of our biggest concerns as we plan to retire in PI for good in 4 years. Fortunately for my wife & I, I'm retired USAF & can use TRICARE Overseas Program with preferred/certified providers in PI. Our co-pay if it doesn't change is currently at 25% & our annual cost currently stands at $726.00/year.
thank you for your service po! you deserve all that care. thanks for watching!
As a seasoned FILAM finally embracing my Filipino roots & researching pre-retiring data such as health insurance in PH - this content is 100% of the data options I was looking for - I even forwarded to my family/friends. I'm glad I stumbled across your channel & will be checking out the rest of your videos. Salamat Ate Gi 🙂
Thorough research ang ginawa mo, ang galing. I am sure a lot people benefited from this research. Thanks for posting.
i appreciate the detailed research on costs. mas maigi na gamitan ng ibang criteria like in real life, how well do these insurance companies process claims.kasi all look good on paper. but kahit sa US, maraming horror stories pagdating sa bayad ng claims. also compared to other western countries, US does not have univ healthcare and is profit driven. if you're indigent then it is free but if no, then it is expensive. my sense is dealing with health insurance cos. in pinas is going to be more challenging compared to US and you have to be prepared to pay out of pocket. that is the trade off for attempting to have a robust quality of life in your remaining years. aanhin naman if relatively healthy but without a sense of community and fulfillment. that is not living. so be proactive in your diet and exercise and things within your control but ultimately take calculated risks in health arrangements. nothing is ever guaranteed anyway. think of many expats doing well there, walang roots, iba walang local spouse and on a budget and okay naman. have faith.
This a very comprehensive video. You have done many a favor. Thank you.
health insurance here in The Philippines is hit or miss, I just made a video about it. cash is king here, because the insurances rarely cover entire costs and if you don’t have the cash sometimes they wont even take care of you
This is so true. My friend's father died because they did not have cash on hand for downpayment at the hospital and they would not take her credit card info. it was so sad.
@@friedapplepie1872 yea they need to do better with that. It certainly depends on the place and the doctor, but come on they shouldn't put money over people
THANK YOU! I subscribed and shared your video to my HS classmates who are now FilAm here. Very informative and awesome research! You are AWESOOME "kabayan!"
Awwwwsome! salamat kabayan, for watching, for sharing!!
Thanks for this info - yes, it's true - health coverage is the biggest hindrance to folks in the US who want to retire. But there are options in the Philippines kung dual citizen ka.
Thank you for this very vital info. Everyone who's thinking or planning on retiring in the motherland is grapples with the reality that Pi could use some improvement on so many areas and this is on top of them. I myself am putting away money just for health care for when I move back. I wish you happiness on your journey back. Be well. 🤗
An eye opener for all, not just when one is about to retire, whether here or there because there is this wellness-illness continuum from the womb-to-tomb that partakes cost and expenses, then financial planning is one key to add in taking care of one’s health, be it in promoting health, preventing illness, treating a medical issue or concern, recuperating from hospitalization, or rehabilitating from a recent health challenges, on top of the possibility of getting hit, accidentally. Having a strong support system that are as equally as health conscious as all family members alike is highly encouraged.
God bless for being so kind in sharing this video.
@@LCTalens1 We try to cover as much that we can cover to prepare for retirement. But we all know that we could not account for, like what you said, health outcomes. In that area, we can only trust God that he will take care of us. Thanks for watching!!
Eto rin concern namin sa retirement. Thanks for the info.
This deserves an award! Super informative. Thank you so much. Respect to you po. Stay safe.
awww..! salamat po. Famas ba? lol! i only want to help. thanks for watching!
Thank you for doing the hard work in researching health insurance. My husband and I are in Texas, and we plan to go back to the Philippines. We are in our 60’s. Now I know about hospital stocks option which I plan to pursue. Salamat!
salamat din po for watching. glad it gave you some ideas.
Thanks Gi! Another important and informative vlog which tackles the utmost concerns of retiring back home. Thank you for your advanced research. Kudos to another well made vlog!
my pleasure! thanks for watching!
Thanks, Ate Gi! I finally decided to go with Pacific Cross because of your video. I also got Blue Royale B ☺
Love the edits and your voiceovers, Ate. Can't wait to see the content when you guys are back home. We're in our 30s in Los Angeles but want to settle in the Philippines in our 40s. Recently came back from PI visiting white sand beaches and BGC, and we were blown away by the modernities, excellent restaurants/beautiful malls and obviously the beautiful beaches. We really do not have those things here in the US especially with the rising cost of everything (who's going to build beautiful and modern shops in this economy?), and maybe the closest white sand beach is Mexico, the other Hawaii which does not even compare to Palawan.
All the best. Hope you all pull the trigger sooner than later. Time is short. You guys should just let that compound interest work since you guys invested, your upcoming SS and sale of the house/savings. Just pull the trigger!
💛💜 wow! retiring in your 40's! that's great!!! naguumpisa pa lang kami nung 40's kami eh kaya ngayon pa lang namin kayang mag-retire. in fact in a few years pa. enjoy your US journey and keep the dream alive! thanks for watching!
No matter what Insurance you choose just be careful because once you already confine dame ng mga charges minsan kahit di nila ginawa ang procedures meron naka charge so please read the bills at isulat lahat ang mga tinutusok sa Inyo pati mga ekg, ecg etc. so just be very careful
😁really?
Very informative. Thank you!
This is definitely a deciding factor whether or not to retire in the Philippines
Even without health insurance, I think the hospitalization in the Philippines is still a lot cheaper than in the US. My brother was hospitalized at the Lung Center in QC for more than 2 weeks and his payment upon his discharge came out to only about 100,000 pesos (private room) This is the total with SC and PhilHealth discounts. I went to an EENT and their fee was 1000 pesos and with SC discount, I just paid 750 pesos. So, just set aside extra money when you are there just in case you get hospitalized. It is cheaper than paying some insurance company. Also, Medicare will cover if it is an Emergency. Pay your bill first and Medicare will reimburse you.
NO medicare will not go read. dont lie to peoples.
Thank you. I needed this. You broke it down for us. Thank you.
Thanks for sharing this info and your spreadsheet! Very much appreciated. I still would like to retire in the Philippines.
Thanks for sharing Ate . God bless ❤️🙏
I’ve been retired for 18 months now been traveling around and prior retirement I’m already eligible for Medicare part A and also elected to get part B. Aside having Medicare I also kept my health insurance from my previous employment where I retired from which was J&J. So I have a very good, if not best medical coverage I can get here in the USA with very affordable co-pay for hospitalization etc. I walked 4 miles every day around my neighborhood when weather permits and currently in the best of health no prescription medication of any kind whatsoever thank the lord🙏🏻Lately, I’ve been thinking about going back in the Philippines and live there as I have everything I needed, We have a beautiful home and transportation that are paid off in the province 🙏🏻 still what worries me is health insurance in the Philippines. I will do more research on pros and cons before deciding whether to move forward. Appreciated all the info and thanks for your hard work🙏🏻
OK reality 80% of men get prostate cancer.. my treatment was well over 100k. 80% is a terrible number
Check if your insurance in the States will cover you when you are in the Philippines. Kaiser will reimburse your emergency care including hospitalization but you will need pre-authorization for other medica/surgical services. Blue Shield will reimburse your medical expenses but you have to submit all the necessary documentation. They reimbursed the cost of my pacemaker replacement including hospitalization and doctor fees. St.Luke's accepts HealthNet insurance and they will do all the paper work for you including preauthorization. Unfortunately, Medicare is still not accepted in the hospitals in the Philippines. Outpatient visits are cheaper than the co-payment I used to pay in the U.S. Remember, seniors have 20% discount on all medical services including doctor's fees. Even quality dental and vision services are cheap so I don't mind paying in cash. I'm an 82 yr. old M.D. who decided to continue my retirement in the Phil.and came back in 2016. It was the best decision I made in the last 10 yrs. and I'm living a retirement life that I have dreamed of without worrying about my health care needs. I can definitely say... No Regrets! Hope this helps you make your decision about retiring in the Philippines.
Can't wait to go back to the Philippines! 2&1/2 yrs more until my early retirement! Thanks for sharing this important information! 😊
Due to insurance fraud, you still have to come up with cash up front, then claim after the services were rendered. This could take time due to documentation requirements. Make sure you have a lot of cash to cover your hospital bills because the insurance will not pay up front. Especially, when your provider is overseas.
thanks for the tip! thanks for watching!
Tama po.
I also researched that Life insurance with living benefits can be useful in the Philippines. If you are not able to do the 5 daily activities, they can provide you monthly cash benefits based on your coverage. It covered chronic conditions, cancer, or any injuries that cause for you not to do the 5 daily living. Also, if you have flex spending account from fidelity you can use this as well for your medical expenses even if the clinical situation happened 4 yrs ago.
Thanks for sharing!
Thanks for a very well researched and detailed presentation. We are also considering repatriating in a couple of years. This should really help us plan and prepare.
They are accepting US Medicare now in the Philippines, as well as Kaiser health insurance
Hi! Do you know what hospitals in the Philippines accept US Medicare? Thank you!
@@official_ate_gi_channel i heard from a husband’s niece who works at Blueshield Blue Cross, She said St Luke’s and i think the other one is Asian Hospital.
since when did Medicare is acceptable outside US po? As far as I know, per medicare, it doesnt apply if outside US… unless that’s changed very recently… thank you po..
Medicare part-C / medicare advantage plus cover worldwide medical emergency.
@@user.-_meno you have to pay from your pocket first then you can reimburse back to US
You absolutely, right?It's so hard to make a decision if we don't have insurance to go back home.That's something we have to think about ithank you👍🙏🙏
you're welcome!
Hello ate Gi! So thankful for the effort you put on this and for sharing them to us. I’ve been waiting for this since you mentioned it on your previous episode that you’ll be coming up with this topic about health insurance when retiring in the Philippines. I’ll be getting there soon and this is really a gem of information. All the best to you and your family!!😊
😊 so happy to be of help. my best to you and your famly as well!
Hi Mam Gi 🥰 Your content is always informative… Thank you for sharing… Bless your heart! 🥰
thank you 💜
Great job on this video, Gi! Very informative and helpful!
@@jessecortez9070 thank you!
I also looked into this...since my US health insurance or medicare covers emergency...i figured i will just need air medical transport funds to be airlifted...for other services it is quite affordable...and even cheaper if you have senior discount like we do since we're dual citizens...also i continued my SSS phils which also covers some medical expenses...
Thank you for your research. This is one of the deciding points for most immigrants coming back home. ❤
I'm glad you found the research helpful! thanks for watching.
Very helpful and informative. Thank you 👍
You are right Ate Gi! Insurance are not really that dependable. If you are retiring in the Philippines, best option is Hospital Stock Option. Like Condos, Investment cost are not that expensive before hospital construction. For me its at least 2 years waiting. I'm in Quezon City. You can ask your Doctor-Friends for it. And yes the benefits you mention is almost the same with mine.
Thanks for sharing!
Thank you. This is informative specially now I will be retiring soon & been thinking of health issues.
glad that it is helpful to you. thanks for watching!
Thank you for researching and sharing your wisdom!
Very informative po Ate Gi! The hubby and I retired early in the Philippines late 2022 and still come back to the US for preventative care but also looking for medical insurance options in the Philippines. A friend of ours there who works for a US company has Maxicare. We will look into that too aside from your options here. Thank you!!
You're welcome. Thanks for watching!
Thank you for this info!.. I like your channel.. very informative.. keep sharing! 😊
This is very informative. It is making me rethink about retirement altogether.
I am 100% in agreement commenting that HEALTH is wealth. Stay healthy to avoid this astronomical cost of medical insurance. However, why it is called insurance because we never know what will happen at the end of the day, we need to love ourselves by staying HEALTHY ❤
Thank you this is very informative. I'm retiring in the Phils. for sure. I needed this bit of info. God bless.
Thank you so much for this!
Thank you for doing the legwork. I am 62, retired military and we have Tricare for Life and VA but I am still intrigued by the options you have presented. Also, a lot of people focus on treatment; putting the focus on metabolic health, improved body composition (muscle-wise) and mobility will improve your quality of life in your later years. Salamat.
Thank you for your service po!!
I too have tricare and I'm retiring to Cavite in September from Las Vegas I want health plan there too For me wife and 31 year old son
You deserve all the care lined up for you. Tricare, VA. At may VA sa atin that can take care of you, I’m sure you know. Salamat po for watching. And thank you for your service. 🫡
Thank you. When I travel back , I get the medical travel insurance.
I don’t have plans to retire back in the Philippines because my benefits are here and my husband is not Filipino however those yearly costs is actually feasible…
The problem with health insurance in the Philippines is as you aged only few companies will cover you & if they do, the premium is sky high with limited coverage. As you aged you need medical insurance more cuz you'll have more health issues. The best medical knowledge, most up to date treatment & newly FDA approved medication are not available in Philippines.
Thank you Ate Gi this is very informative.
Do pushups and calisthenics all day. Practice strict caloric restriction. Sleep well. Bathe once a day, wash hands and face frequently. Brush after each meal. You'll be healthy as a marathoner, no sickness worries. Just me. Thank you.
Cancer could still strike at any time, unfortunately.
Thank you po
for the helpful information😊
Life style in Pi keep u strong and healthy
Totoo yang sinabi niyo. Malayo pa ako sa retirement, iniisip ko na mas gusto ko umuwi sa Pinas pag panahon para mag retire. The best nga yung mag stock member, pero specific lang na mahospitalize ka most likely dun sa hospital na may stock ka. Kaya dapat dun ka din malapit nakatira in case of emergency. Marami na bang mga hospital sa Pinas na may stock option? Hopefully you can make a video about hospitals with stock options.
I will wait for video on hospitals with said option and how to avail. Thank you.
As I know stock options are for practising doctors. But for public, the Securities and Exchange Commission stopped one hospital from soliciting from public, stock membership without SEC-registration.
Dito nalang ako sa USA. 81 yrs.old na ako at maganda ang health insurance. Nandito ang mga anakko. Wala akong anak sa Pilipinas.
We're lucky cuz all immediate family on both sides are in the US. Left Pinas when I was 15 yrs old. Been here for 58 years. We still visit Pinas every 3 or 4 years for vacation but not to retire.
Smartest way my friend, I am the same 😊
If you have a serious medical emergency and you are brought to the best hospital in pinas, your insurance won't be enough. If you have a chronic medical condition you'll know pretty much as to how much you'll be spending on maintenance, tests and check up every month to keep you well and alive while in pinas.
you can always go back
to US is needed😊like regular check up
Thank you for sharing ❤
I always look forward to your videos about retirement and preparing for retirement. Very well researched you did us a favor. Thank you !
I am always happy to know that people actually look forward to my videos. Thank you for always watching!
Thanks, ate Gi! Matagal na ako naghahanap ng magandang video about retiring. Very helpful ❤
Glad you found it helpful. thanks for watching!
Great video. Reasonable affordable private healthcare prices. 😊
Thank you! It may not be affordable to everyone, but that's what I gathered from my research.
Nearly the same with other known insurance here in PI..Some of them maxicare, medicard, ucpb and there are others still and growing but you still need to check them out.
Helpful topic, thanks.
Glad it was helpful! thanks for watching.
Thank you so much for this. I hope there is something for other ages, like 50 or 50 years old. For some relatives in the Philippines.
I hope so too!
Actually, health insurance is the number 1 consideration if we plan to retire sa Pinas. Thank you for the info. Will help me convince my husband😀
I appreciate so much providing us with this informative video about health insurance options. We also understand that we get insurance to cover for the medical expenses that will really get you bankrupt if you didn't have coverage .. the dreaded diseases because yung routinary expenses sa hindi malubhang sakit kaya naman i-self insured.
totoo po yon. that's why we're trying to save for that possibility na magka malubhang sakit kami. thanks for watching!
@@official_ate_gi_channel How did you contact these companies, is it through their website or through an agency?
@@melissaoostendorp3623 Hello! I inquired frm the insurance companies and asked them to give me a quote for a 60 year old female, non-smoker.
ATE GI....."THANK YOU" for providing us with this much needed information. This is very helpful for those who might want to retire in Philippines. Your information is very thorough and makes it easier for us to decide.
THANK YOU..
thank YOU for watching. I'm glad it is helpful to you.
I like your video you clearly elaborate what is the cost difference between US and Philippines and the services.. very informative thank you.
Glad it was helpful!
Maraming salamat po mam. Will share this info to my friends and loved ones
thanks for watching and for sharing!
Hi, for those in Central luzon, Lakeshore Medical Center located in Mexico Pampanga, very accessible from San Fernando and nearby towns, I believe is still open for stock options. The hospital has now started its construction. You may visit their website or verify with the township.
Hi! I'm actually visiting this Lakeshore jobsite next week. Thanks!
Please keep us updated as I am seriously considering to build my retirement home at Lakeshore Subd. Thanks.
What is this kind of feeling na every time po na may upload kau Ate Gi at napanuod parang navivisualize ko ung future. Salamat po more power to you ma’am
💜💜Salamat po!!
Thanks for sharing this informative and helpful content! Goes to show that you don’t need to deplete ALL your savings when you get seriously ill in PH.
You can save up and prepare for it in advance through health insurance (if you can afford it).
yes, that's the idea. earmark some savings for health insurance in the future. thanks for watching!
Due to horror stories dealing with insurance companies in the Philippines, I don't trust them. At least in US, they can be sued by anyone, people have rights. Also, PhilHealth is fine for now, but with continued massive corruption, I do not know if it will still be there when the time comes that people need it.
Wen me and my husband retired in Philippines nagamit nman iyong health insurance from USA nagamit ko rin iyong philhealth ko
@@rachelboticario4761 where do you live? Depende yata sa lugar o sa ospital sa Pinas at kung anong klaseng US health insurance. I heard some hospitals accept US health insurance but you have to pay first and then file a claim for reimbursement later through US health insurance para mabawi iyong binayad mo sa ospital sa Pinas.
Exactly. Most of the time to get reimbursement from US health insurance, the international hospitals must be JCI-approved facility
@@RayMorales-k5v good to know. Thanks.
i don’t think non-filipino citizens are qualified for Philhealth…
Thank you ate Gi ❤
Ate, nag binge watch ako sa mga videos nyo, am a subscriber na and nurse too here sa Texas, 2 grown kids too
I am touched. Salamat for watching my videos ha! 😘
@@official_ate_gi_channel will watch the remaining videos pa Teh
thanks, very useful info!
Thank you for this helpful video. I'm like you someday my wife and I would be partially retiring in the Phlippines 6 months out of a year - every year.
OMG!!!! Thank you so much for this video Madam, maganda ang Hospital Stocks para sa akin .... need pag ipunan to
sa akin din po, yun ang gusto ko. sana makahanap tayo.
@@official_ate_gi_channel opo saka nagrresearch po ako regarding this.. thanks to you po
Very informative thank you for sharing po 😊
Glad it was helpful! thanks for watching.
appreciate this video and a big help for us for our future retirement decision. I wish you well.
my best to you as well. thanks for watching!
Ang ganda po ng voice over nyo ate ghi,,, just came across to your channel or perhaps youtube suggested it 😊
Thank you! 🤗
Just came across this channel. Very informative thank you for doing the research and sharing with us. Much appreciated. Take care and God bless.
Hi Ate Gi. Just get an insurance in the U.S. that will cover you in the Phil. HealthNet is accepted at St. Luke's Hospitals and they will even do the pre-authorization for you. There is a special concierge service at St.Luke's that is reserved just for international insurance. Blue Shield will reimburse your medical expenses but you have to submit all the necessary documentation yourself. They reimbursed the full cost of my pacemaker replacement including hospitalization and professional fees. Kaiser will cover emergency care including hospitalization but you also need to submit the documentation yourself. I was covered fully when I was hospitalized for a bout of pneumonia. (This was before I switched from Kaiser to Blue Shield). Outpatient visits are cheaper than the co-pay in the U.S. Most physicians charge less than P1000 (about $20) per clinic visits. Remember, seniors have 20% discount for all medical services including medications, so most clinic visits will be less than P1000. It is the same for dental and vision care so I usually just pay in cash. Of course, this all depends on where you plan to live in the Phil. I recommend that you get long term care insurance. Mine, with John Hancock, will cover for a caregiver and a home nurse since I prefer to remain at home in case I become bed-ridden. Reading the book "Being Mortal" by Dr. Atul Gawande helped me make the decision to continue my retirement in the Phil. since it helped me plan for what can happen healthwise as I gets older. I'm an 82 yr. old M.D. who spent almost 50 yrs. training, practicing and teaching in the U.S. (in N.Y. and the SF Bay area) and came back in 2016. I can truly say I'm enjoying my retirement life.
Hello! This is such good information! Thank you so much for taking the time to explain all of these. It gives us a sense of relief because we will have Blue Cross Blue Shield upon retirement. At first, we didn't know that we can be reimbursed by Blue Cross. But some viewers, like you, were so kind to inform us that international kiosks are now available at some Philippine hospitals to cater to international health insurance. Such a blessing! By the way, I also want to verify if John Hancock will cover long term care insurance in the Philippines. I'm assuming it will, because you are in the Philippines, but I just want to validate it.
I love hearing that you are enjoying your retirement in our home country. Thank you for your valuable time sharing this info with me and my viewers. And thank you for watching.
@@official_ate_gi_channel I got my long term care insurance when I was still in my 60's. Before I left for the U.S. in 2016., I called John Hancock and consulted with an agent about coverage in the Phil. I was told that I could be covered for a caregiver and nursing care so I decided to continue with the insurance coverage and just cancelled the services I won't need in the Phil.l such as nursing home care thereby decreasing my monthly premium. I now pay $127/month which is automatically taken off my Wells Fargo account. I'm still pretty mobile and self-sufficient but if I want, my primary physician (a gerontologist) is willing to sign the papers so I could hire a caretaker anytime. By the way, my brother who retired from Florida also has Blue Cross and he has no problem getting reimbursed for his cardiac care and hospitalizations. I know that planning for retirement could be an anxiety laden process. It took me several years of going back and forth between the U.S. and the Phil before I finally decided to pull down the lever. It was all worth it because the best thing about retiring here in the Phil is, as a senior you get respect and priority anywhere you go and that makes you feel extra special unlike in the States where you are mostly ignored.
@@official_ate_gi_channel I got my long term care insurance with John Hancock when I was still in my 60's. Before I left for the Phil. in 2016, I contacted them and I was told my insurance would cover me for a caregiver and in home nursing care. I decided to continue with the insurance but cancelled services I won't need like nursing home coverage and others. I was able to decrease my monthly premiums and now I'm only paying $127/month which is automatically taken off my Wells Fargo account. I'm fortunate that I'm still pretty mobile and self-sufficient though my primary physician (a Gerontologist) said she will sign the papers for me to hire a caregiver anytime I want. By the way, my younger brother who retired from Florida also has Blue Cross/Blue Shield. He also had a pacemaker replaced and his cardiac care and hospitalizations have all been covered. Of course, with BC/BS you have to pay first and then you get full reimbursement. I remember for my pacemaker replacement with 2 days hospitalization at St.Luke's Global, I had to pre-pay about P80,000 including professional fees which were then fully reimbursed. Therefore, you still need to set aside some cash for emergency medical needs. I'm very satisfied with my healthcare here in the Phil. I'm surprised and impressed with the quality of technical know how and equipments the doctors are now using. I think they are on par with the hospitals in the U.S. For example, they are now doing routine femoral ablation for atrial fibrillation. I had to go to Stanford to have the procedure done since it was not available at Kaiser at that time. Of course there are some inconveniences you will likely encounter such as doctors being late for their appointments and a policy of first come first served in the waiting rooms but they are part of the adjustments one has to make if one decides to move back to the Phil. I found that changing my mind set helps me enjoy my retirement time more and appreciate what the Phil. has to offer. Best of all, being a senior here makes you feel extra special. You are given priority and respect anywhere you go unlike in the U.S. where seniors are mostly ignored.
I got my long term insurance with John Hancock when I was still in my 60's. Before I left for the Phil. in 2016, I contacted one of their agents and was told I would be covered for a home nurse and a caregiver anywhere I go in the Phil. I then cancelled the nursing home and other coverages which I won't need in the Phil. thereby cutting down my monthly premium. I now pay $125/month which is automatically taken off my Wells Fargo account. I'm fortunate to still be mobile (I still play golf occasionally) and still self sufficient though my primary physician (a Gerontologist at St. Luke's) said she will sign the papers for me to hire a caregiver any time I want. By the way, my younger brother who retired from Florida also has Blue Cross/Blue Shield and he didn't have any problems when his pacemaker was replaced. His cardiac care and hospitalization bills were all reimbursed. Of course, with BC/BS, you have to pay in advance. I remember when I had my pacemaker replaced, the hospitalization and professional fees came up to about P80,000 which I paid with a credit card. Needless to say, I'm quite satisfied with the medical care I'm getting. I'm impressed with how much technical advancement we have in our modern hospitals. Most doctors are equipped with the latest apparatus and instruments. I was surprised that they can do femoral ablation for atrial fibrillation almost like a routine procedure. I had to go to Stanford Hospital when I had mine done because Kaiser was still not doing it at that time. You're very smart in doing the research and preparation before coming back home to retire. It took me years of going back and forth between the U.S. and the Phil. before I finally pulled the lever down. It was all worthwhile. The best thing I found being retired here is that as a senior, I get respect and given priority anywhere I go. It makes me feel extra special! I don't think I felt it in the U.S. where seniors are almost forgotten and mostly ignored. @@official_ate_gi_channel
Would absolutely love an update video. Hopefully you'll be able to get the hospital stock option. Thank you again!
not all hospitals will cater to foreigners as stock options investors.. this type will give you only discounts on hospital services not free..
very informative maraming salamat po!
Thank you for sharing, great information!! I live here in the US and I will be retiring soon and planning on getting the hospital stock option. A friend of mine have that, she live in the Philippines, so if you will need that let me know and perhaps my friend and I could help.
Hi Ate Gi. I replied to your inquiry about the long term care insurance. I hope you saw it. I forgot to mention that as a senior (60+), every Filipino automatically qualifies for a senior card and Phil Health, free of charge. Even if you still reside in the U.S., you can get a senior card when you're here and you will get 20% in all eating places including McDonald's and Starbucks! If one has a medical disability, one can get a PWD (Persons With Disability) card which also entitles you to a 20% discount. Once you have a senior's card, you can get a Phil.Health card easily even without other documentations (it took me less than 15 mins to get one). If you are hospitalized, Phil Health discount is automatically deducted. I had a deduction when I had my cataracts extracted. For medications and groceries, you need to apply in the Barangay where you're residing to get a booklet to record the medicines and groceries you're buying. I hope this information helps.
Hello po! Yes..I read your 2nd comment. Salamat po. We're interested with J. Hancock's home care coverage. Tatawagan po namin sila. Sana naman hindi masyadong mahal na. Kami rin po, we trust the medical care sa atin cause we are based in Manila. Makati Med, St. Luke's BGC or Asian Hospital are all accessible to us. Whenever I visit, I take care of picking up my mom's meds from Mercury Drug. I know about that booklet ☺. I didn't know about the grocery discounts. That there's a booklet to track that too. I'll tell my mom. Yes, seniors are given priority and respect in the Philippines. It's really wonderful. In 2 years, I'll get the same privilege. Maraming salamat po sa lahat ng inputs nyo. I learned a lot from you that are reassuring and I'm sure, the rest of the viewers are learning too. Thank you so much for watching my videos.
@@official_ate_gi_channel Great! On your next trip to Manila, I would like to invite you to visit me in Silang, Cavite where I built my dream retirement house on a fairway lot at the Riviera Golf and Country Club, 20 mins. from Tagaytay. I think it will give you a better idea of how one can retire here with a better quality of life than in the U.S.
Thank you for sharing very informative information in health insurance if thinking of retiring in the Philippines like me. God bless!
God bless you as well. salamat po!
I have to watch it again. This time I won’t skip adds. One add was 10 minutes long. You have quite a few adds. But I needed to watch the info asap. Thank you for this.
Great job with blogging this info.
Thank you!
Thank you for such very informative video. God bless you always
thank you po! God bless you too!
My suggestion to avoid
stress and headache...
Do your full medical health test in the US or if you are in Canada... Then go and have a nice vacation in the Philippines.
Thank you so much for this information planning to retire in Philippines even my husband don’t want to .
maybe he'll relent one day ..😉 sana. mas ok kung magkasama kayo. thanks for watching!
Thank you for this video
My pleasure! thanks for watching.
Very enlightening thx. Very helpful still have 4 more years to prepare. 😮
Kmi health insurance is not a problem yung quality lang ng care sa atin ang medyo problema kung sakali
@@normamcquait1089 true, outside of Manila and cebu's best hospitals, nakakatakot ang mga ibang poor quality hospitals sa Pinas. Kulang sa doktor, nurses at medical equipment.
What a treasure of information. I am desperate for this because I plan to go home and my Illness is incurable. I’m on a clinical trial here and eventually I might run out of option. So my main concern is of course health insurance. I wish I could carry my Medicare and my Supplemental Paln the. But your Video gave me hope. Question- the prices are annual fees? I know that the way the work might not be perfect but to have those coverages and even if you might have to pay some upfront will be a big relief for me. I want to spend my last years with my family so your Video was Godsend. Thank you so much for a timely information. God bless!
Hi. Yes, the rates are annual. I am so sorry to hear about your illness. I wish you well and hope that you find one that will work for you. My best to you. Gigi.
Ate Gi, lahat ng Filipinos are all covered by Philhealth, like all patients undregoing hemodialysis worldwide not pay for The procedure, 156 sessions per year, it is a 3x per week. All meds like Epo, lab tests and medicines are all covered by philhealth. Meaning, The HD patients Dong have to pay a single cent. I believe that holds true for cancer patients.
I know hemo is covered. It not sure that cancer treatment is covered. If that’s true, that is such a big help.
@@official_ate_gi_channellibre po ang chemotheraphy sa PGH. My sister got C , wala po sya binayaran sa chemotheraphy .
@@lilypotpot4241 that is such a blessing ❤️
Thank you for sharing
Enjoy your retirement and long healthy life
salamat po!