In the past two months, my husband was hospitalized twice, with the second visit for his back surgery where titanium screws were inserted in one of the vertebrae of his spine (read his take on the procedure here). His doctor, an orthopedic surgeon, declared the operation a success and signed the discharge sheet last Monday, four days after the back surgery.

It’s been eight days since he had his surgery and my husband can now walk around our condo with a cane, an improvement from the walker he used when he was discharged from the hospital. I’m ecstatic at how quickly my husband is recuperating but I can’t get over what the doctor said during one of our check-ups. He said that the surgery to correct what my husband had (impinged nerve) is a fairly routine procedure, and that he has done literally dozens of them, but 9 out of 10 of those who suffer from it opt not to push through with the surgery because of the costs.

The doctor estimated the cost for back surgery (hospital fee and professional fee) at about Php150,000-Php200,000, and between the Php50,000 case rate from Philhealth and the Php30,000 remaining from the maximum benefit limit of his HMO (we already used part of that during his first hospitalization), I was happy that we would only be shelling out between Php100,000 to Php120,000. My sister-in-law also promised to lend us money, so I didn’t have to take out a credit card loan, a salary loan, or worse, liquidate my investments.

However, when we completed the clearances for the operation, the doctor said that upon consultation with a more senior doctor, they realized that the procedure wasn’t as simple as they originally thought it would be. This was because the vertebrae involved was no longer as sturdy as it should be so it needed extra support in the form of titanium screws. This is how the screws would look like once inserted.

back0

To make a long story short, the screws alone cost Php100,000 which led to about Php240,000 in out of pocket expenses upon checking out of the hospital, after the Philhealth and HMO subsidies were deducted from the total bill.

The good news is it wasn’t as expensive as I thought it would be, because I had mentally prepared myself for out of pocket expenses of Php300,000 to Php400,000, so Php240,000 was a “discount”. I did have to take out a credit card loan though (payable monthly for a year), since I couldn’t bear to liquidate my investments when they were all in the red.

Despite finding myself in debt and rebuilding my demolished emergency funds for the nth time, I still recognize how lucky we were because even if we couldn’t pay for the surgery outright with our own cash, we still turned out alright because of generous family members, lines of credit extended to me and our savings. How many people can claim similar access to those resources?

Which is why healthcare really should be a priority of our government and from my experience, Philhealth seems to be on the right path. My husband had laminectomy / discectomy and the case rate for that was about Php50,000, about 16% of our total bill. Admittedly, a 16% subsidy is pitiful but it’s still better than nothing. What amazed me about Philhealth though was how efficient the whole process was.

Upon checking in, I was directed to the Philhealth booth and was told to submit a form to be signed by my employer and a certification of contribution, again from my employer. When the final bill arrived, the subsidy was already deducted from the total bill. This is a far cry from the tortuously slow process Philhealth used to be known for, with reimbursement checks arriving months after hospitalization, if at all.

My husband’s HMO, Coco Life, also deserves special mention. I purchased HMO coverage for my husband from my past employer, since as an employee I had the privilege of enrolling my dependents with the HMO, with the premium to be paid through salary deduction. My HMO coverage automatically ceased when I was no longer with the Senate, but my husband’s subsists until the end of the year because it was paid for, and not just a perk of employment, like mine was. Like Philhealth, all of our transactions with Coco Life were transparent and hassle-free. Now that I’ve experienced life with HMO coverage, I can’t imagine going back to the days when we didn’t have it.

I also have HMO coverage with my current employer, but sadly there are no similar benefits for dependents like in my past job. I sometimes think with regret at the job offer I turned down, because it had HMO coverage for dependents with a maximum benefit limit of Php350,000. If I said yes to that, then between Philhealth and the HMO, my husband’s surgery would have been covered 100%. But if I did say yes, then I would be in Zamboanga City now, so that always quickly snaps me out of my reverie.

I want to pay off my cousin and sister-in-law ASAP since I know how debts between family members can sour relationships and I don’t want that happening to us. I sigh a little when I think of how the money I’m setting aside for debt payment could have been used for savings or investments or making a bigger pre-payment on our mortgage. But there’s no use indulging in coulda-shoulda-wouldas. I know why my savings were depleted, which led to us being short in cash and needing a loan for the surgery, and I know that it wasn’t for some flimsy reason, so I’m not beating myself up over not having enough cash at hand. The thing to do now is to not breach the trust my relatives reposed in me when they lent me money interest free during the time I needed it. Rebuilding our emergency funds is only secondary to that.

As always, gora lang nang gora.

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11 Comments on The Cost of Back Surgery

  1. jackie uy
    October 28, 2016 at 2:13 pm (9 months ago)

    Hi Ms Jill! Tama gora lang ng gora! I’m glad your hubby is recovering well from the surgery. Ang mahal pala ng back surgery, delicate din kasi involved ang spine. Pero pano na lang yung mga walang HMO coverage, talagang they will have to find a way.

    Reply
    • Jillsabs
      October 30, 2016 at 10:37 pm (9 months ago)

      Mahal magkasakit! Hopefully Philhealth case rates increase in due time and that most Filipinos will be able to have access to HMOs (either through their employers or through individual contribution).

      I never really realized just how far behind our country was with welfare states (in terms of everything actually, not just medical expenses), but this really opened my eyes to the work that still has to be done. One step at a time Pilipinas. Kaya natin ito.

      Reply
  2. frt
    October 30, 2016 at 5:22 am (9 months ago)

    just curious. coco life didn’t consider your husband’s condition as pre-existing?

    Reply
    • Jillsabs
      October 30, 2016 at 10:38 pm (9 months ago)

      Hi FRT,

      I think there are only certain conditions that fall under the pre-existing list, and my husband’s back issue isn’t part of that list.

      Reply
  3. Bhuboy Villanueva
    October 30, 2016 at 12:25 pm (9 months ago)

    Hi, have you considered going to PCSO, I read some story that they get help from PCSO for medical expenses. It is really good to have emergency funds, mine was reduce because of a recent death from the family, but I don’t fret about it since I build up my emergency fund for things like those, not its time to replenish it.

    Reply
    • Jillsabs
      October 30, 2016 at 10:44 pm (9 months ago)

      Hi Bhuboy,

      I didn’t consider PCSO because I could still find ways to pay for my husband’s hospital bills even if my relatives didn’t lend us money. We still had our savings and there was the option of liquidating investments, which I didn’t like, or taking out credit card and salary loans, which I was more open to.

      The process in asking for PCSO assistance is also quite arduous (many requirements, long lines etc) so if I can manage at my own level, I would rather not go through the PCSO process.

      Reply
  4. edelweiza
    November 11, 2016 at 9:43 am (9 months ago)

    Good to know the surgery was a success and your husband is recovering well. Magastos talaga magkasakit pero buti na lang meron tayong malalapitan sa oras ng pangangailangan. Madali mabayaran ang utang lalo na kung determined na magbayad. 🙂

    The last time my FIL got admitted to the hospital, na-witness ko rin kung pano naglevel up ang PhilHealth with their case rates and outright bill deduction. Nakakabilib, ha! Sana taasan pa nila ang rates ng mga health cases in the future para mas malaki ang mabawas sa hospital bills ng mga members. 🙂

    Reply
    • Jillsabs
      November 11, 2016 at 10:06 am (9 months ago)

      Amen talaga sa higher Philhealth case rates!

      Reply
  5. Bee
    November 16, 2016 at 6:26 pm (8 months ago)

    This post got me to setup my own blog on personal finance. I am in a similar situation. My emergency fund was recently wiped out and I now have credit card debt amounting to 122k due to medical bills. I am so overwhelmed, I don’t know what to do. I hope that in putting my journey into words, medyo maorganize ko yung thoughts ko. I feel very anxious 🙁

    Reply
    • Jillsabs
      November 17, 2016 at 9:40 am (8 months ago)

      Hi Bee,

      First off, take a deep breath and know that you are not alone in having money problems. Also, money problems are the easiest to solve. Unlike relationship problems or a tarnished reputation, money problems are a breeze.

      Feeling better na? 🙂 I hope so 🙂

      Second, I find the easiest way to solve a cash issue is to make short term and long term game plans. The long term plan is quite rigid (i.e. pay off debts), but the fun is in the short term plan because that’s where you can test your creativity and ability to hustle.

      If you want, you can send me an email at jillsabs@gmail.com and I’ll help you go over your budget so that we can come up with a realistic game plan to decimate your debt. Also, please share your blog address. I’d love to read another local personal finance blog!

      Reply
      • Bee
        November 17, 2016 at 12:04 pm (8 months ago)

        I didn’t think of that. Thank you. There are indeed things that are a lot harder to fix than this and at least I have an income source to pay it off, I am healthy and no one in the family died. Nakaka-overwhelm lang talaga. It’s my first time being in debt na ganito kalaki ang amount. I’ve been good at clearing my credit card balance every cutoff in the past recent years.

        Amidst money problems, at least I have family around me and I am healthy.

        I entered my url above. PH-based PF blogs seem to be a very supportive bunch. I could definitely use some input.

        Reply

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