Teacher Kath - Health and Financial Planner

Hindi lang pala about earning more.

It’s also about knowing na kapag may nangyari sa’yo, you can take care of yourself without putting the future you worked so hard to build at risk.

Kasi kapag pinaghirapan mong buuin ang savings, investments, business, at buhay na gusto mo para sa family mo..

hindi mo lang gustong palaguin. Gusto mo rin itong protektahan.
That’s a different kind of peace. 🤍

And sometimes, that’s what being financially successful really feels like.

Hindi enough na may HMO ka.

Kailangan alam mo rin kung ano ang gagawin kapag kailangan mo na siyang gamitin.

1. Check muna kung accredited ang hospital/clinic.
Before you go, check your HMO’s accredited provider list. Hindi lahat ng hospital tumatanggap ng lahat ng HMO.
You may check it via Medicardgo app or Medicard website https://www.medicardphils.com/accredited-providers/

2. Pagdating mo, sabihin na HMO member ka.
Look for the HMO/Insurance desk or coordinator.
Sabihin mo na gagamit ka ng HMO and present your HMO card/ID and other requirements.

3. Kung may request ang doctor, huwag agad magbayad.
Kung may laboratory, diagnostic test, procedure, or other request, ask the HMO coordinator first:
“Covered po ba ito ng HMO ko, and kailangan po ba ng approval?”

4. Kung kailangan ma-admit, inform the HMO coordinator.
Usually, the hospital’s HMO coordinator will help process the authorization and coordinate with your HMO.

5. Before discharge, ask kung may babayaran ka pa.
Having an HMO doesn't always mean zero bill.

Ask:
“May hindi po ba covered sa bill ko?”
There can be exclusions, benefit limits, room upgrades, or other charges depending on your specific plan.

And if it’s an emergency:
Unahin ang medical care. Don’t delay necessary emergency treatment just because you're unsure about the HMO process. Once you're safe, the hospital/HMO coordinator can help you with the coverage and documentation.

One more thing:
Save your HMO's customer service number, app, website, and member ID on your phone before you need them.

Kasi ang HMO na hindi mo alam gamitin…
parang may payong ka pero naiwan mo sa bahay nung umulan. 😅

Exact procedures vary depending on your HMO and plan. Always check your HMO's current rules and accredited providers.

Kapag mataas na ang value ng oras at trabaho mo bilang freelancer, hindi ka nagdadalawang-isip gumastos para hindi maantala ang business.

Laptop?
May backup.

Internet?
May backup.

Software?
May subscription.

Files?
May backup.

Pero ikaw?
Kapag ikaw ang hindi okay, sino ang magde-deliver?

Sino ang haharap sa client?

Sino ang tatapos ng trabaho?

Hindi dahil inaasahan mong magkakasakit ka.
Dahil alam mong ikaw ang nagpapatakbo ng buong business.

Kaya ang pag-secure ng health mo isn't just a personal decision.
It's part of protecting the business you built.

Kung independent ka, dapat kasama rin sa business planning ang sarili mo.

📩 DM me. Let's talk about an HMO plan that fits your freelance life.

Grateful reality of the breadwinners. 🙏🏻 Tag someone who prays like this.

Send this to someone who might need to see it 🫶🏻

You don't always show it. But you carry it. 🤍 If this is you, hit follow

Some people don't chase security for themselves.. they build it for everyone around them. Tag someone like that