Topaz Horizon: Looking for health insurance for my family (because ...

Posted this over at Twitter recently:

Yep, I'm still looking for health insurance! If you've been reading my blog long enough, I started looking for a private health plan for my family when the TMC disaster happened. By private, I mean it's a service that we pay for and not provided by the company I work for. Almost all of the recommendations I get from blog commenters and Twitter followers are the health plan providers that their company works with. The company I work for has health benefits, of course, but I'm looking for something more comprehensive and one that would cover all the members of my family, not just me.

So I've been researching?and I've narrowed down my choices. I won't say what those are yet since I'll still give them a call and check them out. They might not look as good on paper, you know. What I'm really looking for is the kind of health plan my family got when my Mama was employed at Meralco. It's almost as good, if not better, than health plans in the US before the current health crisis.?As a child, I was sick constantly. Like, I'd be confined at a hospital maybe 3-4 times a year. Not once did Mama have to take out her wallet to pay for my bills. Our dental needs were also completely covered, unlike today when only cleaning and temporary fillings are covered. Back then, we were assured that we can have everything from a filling to a root canal and not worry about the cost. Even cosmetic treatments (braces, bleaching, etc) were covered up to 25%. Absolutely frikkin' awesome. That's the kind of plan I want for my family!

Of course, that means I've been apprehensive about the cost of personal health plans, thinking that there's a reason why companies subsidize them.?But I am happy to report that we actually have cheap health insurance here. My research shows that for just P10,000 a year, a family of four can get good coverage--private hospital room, good accredited hospitals, annual physical exams, dental check-ups. If you add another 5K-10K to that amount and you get absolutely fantastic coverage, the type that asks no questions, just pays your medical bill.

That plan, even if it may be P20,000 a year, I like very much. It's really not a lot of money. Just divide 20K by 4 (that's me and my three adorable boys!), and that's just 5K a family member for an entire year. That covers dental work, annual medical checks, and should someone get sick, great medical service and treatment. For peace of mind, 20K is nothing!

Someone told me, however, that the best health insurance is money in the bank. She doesn't believe in insurance, you see, thinking that it's all a scam. She said, "How many times does one get sick anyway? Once, twice? As long as you live a healthy lifestyle, you'll be fine. And for those times you do get sick, nothing beats cash." I do agree with her somewhat, especially since when I gave birth, both times were completely paid for by cold hard cash. There's a certain sense of pride knowing we were able to save up for a hospital like St. Luke's Global.

Still, if there's cheap health insurance available here anyway, I don't see why we shouldn't avail of it. What do you think? Should I or shouldn't I? Do you have personal health plans or is yours provided by your company?

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