Maxicare Health Insurance - anyone with Coverage Experience

Interesting, I’m looking into hospitalization insurance also.

@talamban I'm also in the process of purchasing Maxicare's Prima Gold for Seniors. Be aware that the coverage does not cover hospitalization. I think, it pays 20k for emergency room (per annum). Hope that helps. 

Only 20,000 pesos per calendar year for emergency room visits? That's $366.00 USD a year...like $1.00 USD a day...definitely doesn't appear to pay much at all...JMO!

Smoking cigarettes has finally gotten too me. I had to make a visit to the local province hospital recently. It certainly wasn't like anything I've seen in Las Vegas. The facility is lacking for sure, but it's a small facility with larger ones north and south an hour or less. I was there for about 8 hrs. Got some meds and treatment, and prescription plan. Was only asked to replace the meds they used on me and no other fees.

I have since gone back for a follow up and to gain a maintenance plan. Again, no fees, even when I asked for a way to donate. The Dr didn't want anything.

I'm down to 2 cigs a day and almost off them. So hopefully I can be rid of this nasty habit. But I don't even know now if and how much health insurance I should get. Let alone where.

@rvilladelgado9 My issue here is 20k coverage with a 13k premium. The premium to benefit ratio is way outsized and the fact that 20K is easily self-insurable would encourage me to walk away from the deal and just purchase philhealth.  The insuror is making a lot of money on this plan, similar to most plans for foreigners in the Philippines. Most enrollees do not look at the low coverage limits.

Smoking cigarettes has finally gotten too me. I had to make a visit to the local province hospital recently. It certainly wasn't like anything I've seen in Las Vegas. The facility is lacking for sure, but it's a small facility with larger ones north and south an hour or less. I was there for about 8 hrs. Got some meds and treatment, and prescription plan. Was only asked to replace the meds they used on me and no other fees.
I have since gone back for a follow up and to gain a maintenance plan. Again, no fees, even when I asked for a way to donate. The Dr didn't want anything.

I'm down to 2 cigs a day and almost off them. So hopefully I can be rid of this nasty habit. But I don't even know now if and how much health insurance I should get. Let alone where.
-@Larry Fisher

How did you cut down? My brother is a lifetime smoker and it worries me.

@pnwcyclist  I switched to chewing tobacco a d skoal. That works fine. You stop smoking cigarettes which has immediate health benefits to the respiratory system. Then begin to quit the skoal (which you put in mouth). It is much much easier to quit chewing tobacco and skoal than cigarettes, similar to nicotette but much cheaper and widely available.

@Larry Fisher .

I remember when I quit some years ago. I was trapping muskrats on Delaware and Maryland marshes and on this particular day I was on a marsh with a lot of soft spots. If I stepped in the wrong place I would go in past my knee. To get my hip boot out of the mud I would have to lay down my trap stakes and bag of rats, pull my hip boot out, get back up on top of the marsh and pick up my traps and rats. After a few of those ordeals I was puffing and panting and blaming the cigarettes. I stomped my pack of Kools in the mud and 40 years later I never smoked another cigarette. I did smoke those little De Nobili cigars for a while because it made me look like Clint Eastwood but I never inhaled the cigars so they were easy to quit.

I believe there is a time to quit and cold turkey was the way to go for me. When the urge for a cigarette hit me I would grit my teeth and say to myself I'm stronger than that. It only takes 2 weeks for the urges to subside and then you're home free. The worst mistake is thinking you're doing so well that it wouldn't hurt to bum one.

danfinn said . . . . .I switched to chewing tobacco a d skoal.

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Were you able to buy skoal in the Philippines? I was able to buy Stoker's Long Cut Wintergreen snuff on Shopee for P280. After searching for a long time under snuff but they call it Snus in the Philippines.

I've searched for Red Man online in the Philippines with no luck. From time to time I get the urge, time to time translates for me means once every few years.

@Enzyte Bob No, at one time I saw skoal sold at a kiosk at NAIA. But I quit smoking in the 1990's. in the US. From time to time I buy tobacco leaves in the local mercado and it is OK for chewing after washing it. Here in Dumaguete, snuff is not available so I stock up on long cut when we travel to the US.