IMG Pera Solutions

Iba po ang HMO na nanggagaling sa company na pinag trabahuhan mo (short term hmo ang tawag dyan) , hindi na mag continue yan kaoag ikaw ay na-terminate, nag resign or mag retire, kung sakaling mangyari sayu yan na mawala ka sa company dapat meron ka pa din na personal.

Iba din ang HMO na dapat meron ka once you retire from your job, hindi mo madadala yang hmo benefits mo kapag retire ka na dyan sa company mo. So Dapat prepared ka bago ka mag retire.

Tingnan kung anong plan ang bagay sa edad mo.
ito ang

Start your retirement now that your still earning and habang malakas ka pa🥰
👇👇👇👇

Start your retirement now that your still earning and habang malakas ka pa🥰
👇👇👇👇

Kung may trabaho ka pa now at sumusweldo dapat start ka na ng retirement mo. Wag mong antayin na 60 years old ka na dun ka palang mag start....

How do Filipinos deal with HEALTHCARE?

1) WALA. Some do not even have Philhealth because they are informal workers. So if they get sick, the solution is utang or beg.

2) PHILHEALTH. Common for the working Filipinos but KULANG because it cannot shoulder the full cost of healthcare. Healthcare is not just hospitalization. Healthcare also includes medicines.

3) FAMILY. Some Filipinos rely on their family to help them in times of need. This is not really reliable and is unfair to the people who end up paying for others. Kahit anong kanta pa na family is love... kung problema na sa pera ang usapan, meron talagang magagalit or masasaktan.

4) COMPANY. Some companies have good healthcare programs but it is only good while you are employed with them. As soon as you resign or get fired, you will no longer enjoy that benefit. You cannot work forever. Do you really want to work forever?

5) PREPAID health cards and coop health insurance. This is a cheaper alternative than applying for individual health insurance. But this is only short-term. If you are not able to use these health cards, the money you spent will not go back to you.

6) LONG TERM HEALTHCARE. Payment period is only 7 years. You just need to save for 7 years and wait for your money to grow. If you don't get sick, you will get a bonus for being healthy. Kaiser's long-term healthcare program not only has health benefits but also life protection and investment.

Consider getting a Kaiser Long-Term Healthcare program.