As a government employee, I am an automatic Philhealth member and my husband and kids are my dependents. So when my husband was hospitalized several times in the last few years and I gave birth late last year, I gave thanks for Philhealth many times over for its subsidy and efficient system.
What I specially love about Philhealth is how it no longer allows direct filing, meaning the subsidy is applied to your hospital bill. Thus, there’s no more need to go through the gauntlet of queuing at a Philhealth office with your documents in tow and, assuming all your documents are complete, waiting for a check to be released. Imagine experiencing the stress of being hospitalized or having a family member get hospitalized, and then going through the additional effort of personally claiming your Philhealth benefit, with all the accompanying bureaucratic challenges thrown in for good measure. Hassle!
Even the documentary requirements are simpler. Upon checking in, you’ll be required to submit the following: Philhealth Claim Form 1 (CF1); certificate of premium payments from your employer; and the Member Data Record (MDR). (more…)
My husband talked about his recent angioplasty in these posts: 1, 2, 3. So if you’re wondering what it’s like to have an angioplasty or have any other inquiry related to the procedure, then I suggest you read his posts because this post will only deal with what and how much we spent on his procedure.
So the plan was all set, save Php50,000 (a.k.a. Dave Ramsey’s Baby Step No. 1) while paying off my credit card and personal loans. After that, increase mortgage payments and keep adding to my emergency funds. It was a fool-proof plan until life happened.
My first job as a lawyer was as an associate in a tiny law firm in Alabang. One of our clients was a real estate firm with lots of developments around the country, including Cavite. During my first appearance at the Municipal Trial Court in Bacoor, Cavite, I was surprised when a few minutes before 8AM, a court staff asked the crowd inside the courtroom to group themselves as follows: SM to the left and non-SM to the right. The crowd dutifully complied and moved seats. After a few minutes, the left side of the courtroom was packed, with people even standing at the back, and the right side, where I was, had less than a dozen people.
As it turned out, the people on the left side had been caught shoplifting at the nearby SM Bacoor and since SM did not have a policy of settling criminal cases, even the smallest act of thievery was prosecuted.
I’d like to introduce you all to my son, JC aka Truck (his special name courtesy of his big brother).