HMO Insurance in Cebu
Everyday Care for Your Family
What an HMO covers, where it stops, and what to add so a big bill does not fall on you. Crux explains it plainly.
Which cover fits you?
Complete the sentence: choose one option in each menu.
| What is included | HMO | Hospital insurance | Critical illness |
|---|---|---|---|
| Consultations, lab tests and check-ups | |||
| Hospital stays | In network, up to a yearly limit | ||
| Large hospital bills | |||
| A lump sum on a serious diagnosis | |||
| Stays with you if you leave a job | Not if it came with the job |
Choose where you are headed and what applies to you. Your tier lights up in the table above.
What does your HMO cover ?
What an HMO is
A plan that gives you access to a network of doctors and hospitals for a yearly fee, so everyday care is simple to use.
Everyday care
Usually consultations, laboratory tests and check-ups. Read your plan for the exact list.
Hospital stays
Inside the HMO network and up to a yearly limit. What is inside the network, and what the limit is, changes from plan to plan.
The yearly limit
The most the HMO pays for you in a year. When it runs out, the rest is your cost.
Employer plan or personal plan
A plan that comes with the job usually ends with the job. A personal plan is yours to keep.
HMO and health insurance together
Many people keep an HMO for everyday care and add health insurance for the large bill. Our guide explains how the two fit.
Three things to know about an HMO
A visit or a lab test should not need a claim form or a large payment up front.
A long hospital stay or a serious illness can use up a yearly limit quickly.
If your HMO comes from your employer, ask what happens the day you resign.
How an HMO works when you need it
Using an HMO is usually simple. These steps cover the moments when it is not.
Understand it once, with a person to ask
Crux helps you read your plan, understand the limit and decide what to add, and answers when you have a question.
First step
Use your HMO card
For care in the network you present your card and the HMO handles the rest, up to your limit.
Second step
Ask before a large bill
Before a planned stay, ask your HMO what it will cover. We help you read the answer.
Third step
Talk to your advisor
If a bill goes beyond the limit, message Crux and we look at what else you can use.
Consult our recommended guides
Short, plain answers to the questions people ask about HMOs.
- Read the guide
Critical illness or HMO
What each one pays for, and why many people hold both.
- Read the guide
HMO coverage rates
How HMO coverage is structured.
- Read the guide
Group cover for employers
Benefits for a team, designed and renewed by Crux.
- Read the guide
Health insurance
Cover for the large bill an HMO limit may not reach.
What this cover does not do
No fine print. Rosa gives you the plain list.
Or read the list here
An HMO makes everyday care easy. It has clear limits.
- Treatment above your yearly limit.
- Hospitals and doctors outside the HMO network, in most cases.
- Conditions you already had, where the plan excludes them or has a waiting period.
- Cosmetic procedures.
- Dental and optical care, unless your plan includes them.
- Cover that follows you when you leave your employer, if the plan came with the job.
Exclusions differ from plan to plan. Read the policy wording, and an advisor can go through them with you before you buy.
The FAQ, in plain words
Straight answers about HMO plans.
Usually consultations, laboratory tests and check-ups, and hospital stays inside its network, up to a yearly limit. Read your plan for the details.
A plan that comes with the job typically ends with the job. Check your company terms, and consider a personal plan so you are not left without cover.
It is the most the HMO pays for you in a year. When it is used up, the rest is your cost.
For everyday care, often yes. For a long hospital stay or a serious illness the yearly limit can run out, which is why many people add health insurance.
Some employer plans cover dependants, often at extra cost. Check your benefits guide or ask HR.
Yes. Read our comparison of HMO and health insurance to see how the two fit together.
HMO insurance
Know what your HMO leaves out.
Tell a licensed advisor how you are covered today, and they will show what to look at first.