HEALTHCARE In The Philippines (Is It Good Enough?)

[@TheFilipinaPea]

👉My videos and the effort I put into them are 100% free for everyone to enjoy, and all I ask is that you leave a thumbs-up on any videos that you like and subscribe to my channel - I have never, and will never, ask you for anything else. For those of you that still wish to support my channel further, however, I’ve posted my links below. Thanks! 👉 Support through PayPal: www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=GC9T7PMLZ3BDW&source=url 👉 Patreon: www.patreon.com/thefilipinapea

[@rickward7018]

Great video! I'll reference this video should I ever visit the Philippines. Thanks Pea!

[@stevesalkovics6792]

Miss Pea, I would like you to be a guest on my podcast. Please contact me at [e-mail] so we can talk about the details. I would be honored to have you as a guest. Salamat, Steve aka "Sal"

[@karlpierce3035]

How many VA facilities are in the Philippines?

[@enrequieedios4657]

@@karlpierce3035 I do not think since the law was passed here in the USA, it is required to Use a VA hospital, I think you can use any facility , ask the VA

[@williamthompson109]

@@karlpierce3035 1 There is VA in Manila

[@truttman]

Man, she picked the right person to interview. Tons of knowledge and good at explaining it, too.

[@russellclement2058]

And wearing so much GOLD ,,,

[@douglasmichel1000]

You never cease to amaze us Pea. You are becoming the most professional journalist on You Tube. This video has been far more than helpful. for many of us this is a lifesaver !

[@Philthos]

Definitely saved me days of research and comparing,!!

[@iomtilt]

This is exactly the information I need Pea. You hit the spot yet again !!! Thanks Pea, awesome content 🇵🇭🇬🇧👍

[@_apey]

Pea is the best!

[@rogandbingofbingalahtravel3680]

Having contacted Pacific Cross, Cigna and others it is important to realize that, though most countries honor these plans, the United States has a limited time period such as 90 days in which it would honor such a plan (for visitation purposes) as, the medical costs in the USA are much higher than most countries throughout the world. Great information, Pea, as always!

[@alcoury332]

I believe it's actually 30 days or 90 days , depending on company/ plan/ if emergency or not.

[@noelrodriguez3505]

This knowledge is just outstanding 👏 great to know this and people should be on this information more. Way to go Pea

[@mrbascope]

Plus, my house wherever end up be set up, will be a home base.. i plan to travel around and get to know every corner of your country, its people, and culture… it will be a beautiful and great way to employ my most valuable and expensive resource I have, which is time.

[@gordo7877]

I want the policy that includes Pea as my nurse!

[@indycharlie]

:D

[@i-am-your-conscience]

priceless

[@eddiestover3747]

Yes I would definitely pay a higher premium for her

[@harmwesterhout2469]

I will not pay here cause my love would be enough for her hihi

[@justingoodnow851]

Mmhmm

[@FrankCrijns]

My wife and I (both Seniors) were insured with Pacific Cross. I abandoned it because of my understanding of pre-existing conditions. My wife is still insured, she was admitted 2x in hospital and Pacific Cross was up to his worth. Excellent service. A representative of Pacific Cross even came to the Chong Hua hospital in Cebu to to assist when checking in for an operation. All expenses paid.

[@globalwanderer360]

Your channel is becoming an indispensable reference vlog for expats and travelers.

[@DangerouslyActive]

That was her plan. In a introduction on KZbinr Paul's channel..she gives a brief insight of how her channel will be.

[@roberttrout3588]

Amen! This lady is amazing! She is working so hard for us, and bringing us clear and concise, accurate information, presented with the typically joyful professionalism that represents Philippine culture 🙏🙏🙏🇵🇭🇺🇸

[@kalanimontero8926]

@@DangerouslyActive ull

[@richardalcorn7187]

Now, this was truly an excellent interview. Health insurance for expats is a major concern, and you covered the subject better than anyone else. Fantastic job🏆🏆🏆

[@bbqg1992]

Because of you and this video , I have started the process of medical coverage for my relatives in Cebu. I cant thank you enough for changing there lives for the better.. Best wishes

[@TheFilipinaPea]

Thank you so much, Henrietta! ❤️

[@adibee88]

FILIPINA PEA!!!! THANK YOU, SO MUCH!!! You asked and Rachel answered, ALL and MORE of My Questions! I am so RELIEVED. Overseas Healthcare is Paramount! I am really happy the prices and coverage for the US Dollar Policy, is for ME. I have Military Retiree Medical and Dental. Now I KNOW, my Stateside coverage WON'T WORK, in the Philippines, it's okay! The offered health care is VERY affordable! YOU'RE GREAT, Filipina Pea!! 🙏🏽💜🇵🇭

[@timsannicolas7562]

Finally. I Love this essential information. Pacific Cross Medical Insurance, count me in. Thanks Pea, your awesome. Regards to the Agent. Well appreciated.

[@DiscoDrew]

Insurers are the same all over the world. Quick to take your money, but when you need them they put obstacles in the way.

[@siggi9876]

I think the Filipina Pea is offering the whole package. Doesn't she has a friend, that is lawyer.......? You just need to use her service too, to fight fight back the insurer. (^-^)

[@rudolfantonmaier755]

I am insured with Hanse Merkur in Germany,if I pay a bill in advance I take a picture of my bill send it to Hanse Merkur and have my money on my account within 1 week

[@fendermon]

Exactly. It's legal gambling. What if they just don't pay? Who will make them? @Disco

[@FishBarney]

@@fendermon I reckon you're better off stacking the money and paying in cash as you need it. I never trust insurance companies.

[@kennor5227]

Everyone wanting to live in the Philippines should be watching you Pea. Waiting for you to break 100k subs. Great job.

[@Murph_.]

I'd like to know more about healthcare in that how it works when you are sick and injured... like where do you go, who treats you, and how the system works. Not healthcare insurance, just the system... In my small experience, it is far below what we expect in the west (especially when you are in the provinces). I don't have any experience in the bigger cities. My wife hurt herself when we lived in Malaybalay, Mindanao, and we had to go to the hospital. They don't really do triage, taking the worst patients first. They just send you to a location in the hospital depending on your health issue. I also feel like the doctor was just going through the motions, not giving individual service (meaning every problem has similarities but can be different between individual patients...). So, it's like an assembly line... you get in line, you tell the doctor your problem, and they give you a generic diagnosis without asking questions or getting specific information, and that's it. I'm sure they are wrong very often because there is no attention to detail. Get people in and out seems to be the goal. It is one of the main reasons we live in the USA and not Philippines.

[@WildMidwest1]

Deeply insightful. Thank you for sharing this impression.

[@alanh1508]

I don't know about Doctors and nurses who practice in the Philippines, however if they are similar to The Filipino medical professionals I have met and worked with here in the US I have no concerns about those professionals in the Philippines.

[@subotaiKhan]

Depends on what hospital you go to. I've had good nurses and I've had experiences with nurses that are always on their phones.

[@RotaryTeamVincent]

I have been going to the Philippines for over 25 years and my observation is that if you go to a reliable Hospital, you will receive excellent care. The doctors and nurses are both very knowledgeable and caring.

[@videbytes]

Thank you for the great info. My wife found me unconscious by the beach in Masbate Province. No ambulance was available. It took her 2 hours to find someone who could drive me to the Doctors Hospital in Masbate City - 45 minutes away. My private hospital room was almost as good as a small town hospital room in the us, and the care I received was outstanding. Four days in the hospital came to about $990 US. I had PhilHealth, and that brought it down to about $668.

[@JunRoss-pp3mv]

You're lucky, if you're having a stroke or heart attack, you'll be either be in a vegetative condition or dead by the time you arrive at the hospital.

[@robertmaddelena7890]

Thanks Pea your the best at researching the topic. This lady was so good at explaining the coverages. Its really not to expensive for good coverage. God Bless

[@menotyou611]

Appreciate your efforts Pea! These are the type of videos that got you to 50k subscribers. Don't waste your time and videos defending yourself against trolls. Just tell it like it is and you will be loved.

[@bluesysaxman]

That nurse outfit definitely makes me want to visit you. Thank you for all the good information you always provide.

[@KyoshiKarlKWagner]

The Philippines is one place I would not want to get sick. After all I hear and learn for my family there... I shudder!

[@SuperVladamere]

If you're in a city you can find good Healthcare. Out in some swamp, well, prayer is always a good option.

[@carltonstyron3198]

Pea, thanks for your work. This is some important stuff. While in the Philippines, I hung around hospitals all the time...not really for me, but because some of my best friends are doctors. I was awaken at the activity that went on in the hospitals. In Bohol there are around a dozen or so hospitals...and they are all very busy. Not only with locals, but expats also....mostly because of renting a motor and crashing it because they didn't learn about Filipino driving skills. Insurance is a high priority...or the expat better have a lot of cash if something happens.

[@carltonstyron3198]

Pardon, I meant to say around a dozen hospitals in Tagbilaran, Bohol... :)

[@justingoodnow851]

I love how many topics you cover , you really hit on everything we want to know! And some things i didn't even know i wanted to know :)

[@TheFilipinaPea]

Thanks! Just let me know if there’s something you wanted to know that I didn’t know 🤣👍

[@benmat]

I've gone to the dentist in Manila, and he did a good job for 6 times less expensive than in my country. But honestly, i would be king of reluctant to have any surgery in the philippines except in case of emergency... While I watched the documentary about Dr. Jose Fabella Memorial Hospital, i was so shocked that I cried. And i really rarely cry... I hope other hospitals are better than this one...

[@ateam6486]

yeah, in Dumaguete i got 8 teeth fixed got 60 US dollars,

[@alvinmaldonado466]

I have thegreatest oral surgeon in the world practicing in cavite.

[@1MinuteFlipDoc]

which documentary? the PBS one ... POV: Motherland? ..or a different one?

[@michaelg6641]

@@ateam6486 So, dental care is good there in DM, and Cebu sounds like? Ive went to Mexico before and it was a lot cheaper than the US, but you're saying 8 teeth for 60 bucks? I might come just for that, and I only need a filling! But actually its between 2 teeth and in the US they're telling me I need 2 root canals and crowns for $1000 each tooth (which seems to be the favorite price here), and it doesn't even bother me, just want filling between them.

[@JunRoss-pp3mv]

My cousin from Australia had an emergency detached retina surgery at St. Luke in Manila & they screw it. Australian doctors said it's irrepairable. He lost his peripheral vision & St. Luke is supposed to be world class.😂

[@tonymanning9067]

You do such a good Job… And have explained everything very clearly you should be a great reporter very good interview....

[@spacecoasttactical]

Just looked at the small print on my worldwide health cover. She's right, the underwriter is Pacific Cross. :)

[@CalmWatersLiving]

Fantastic, information! I agree with other comments. Your channel is becoming indispensable. Pea, you rock!

[@philipfleming3008]

I traveled from Cebu city to Tagbilaran, Bohol on the hydrofoil and it was amazing!! Saw the creepy big snake, the cave pool, and painted church. Alano white sands is where I spent my honeymoon with my amazing Filipina wife. A truly magical week in the most picturesque place I'd ever been with the nicest people I'd ever met!!

[@lancemided3251]

The example of a 55 year old person doesn’t really answer the cost question for the average retirees in their 60’s and 70’s. It will be substantially more for those above 55. She also did not talk about deductibles and co-payments. It’s a difficult subject because the factors change with age and health. Thank you for the major effort put into this presentation.

[@donniewood2328]

Thank you Filipina Pea excellent presentation on Heath Insurance for expacts and those travel to the Philippines on tourist visa .It very important to have Medical Heath Insurance for anyone travel because one never knows what could happen while on vacation or those who live in the Philippines for a few months. I am ask buy many people about travel medical coverage and I tell them to do their research because everyone one has different needs of coverage . well done on your part on research . I hope everyone see this vlog so they will understand the importance of medical coverage..

[@fredhowsare750]

Very nice to have someone who researches their content before presenting it. Blog professionally done. Good lighting , sound. Background very colorful. Would like to see a blog on what you consider the best and safest Phillipino pen pal / dating sites, including hidden costs. Similar to ChristianFillipino and Fill/Cupid.

[@justin.s9783]

that was pretty straight forward to me so i don't have any questions. really good vid.

[@VegasNegus]

I checked prices and found Pacific Cross was indeed cheaper than Cigna and Aetna for the same coverage, paid yearly. In addition I like the fact that Pac Cross renews regardless of age, and also covers travel worldwide. You can choose to reduce your premium by excluding more expensive countries. And they offer travel insurance and rental car insurance. Well done Pea!

[@NickBarang]

No, sadly, it's not. My experience of top tier healthcare here is not great, I can't imagine what it's like if you can't pay the fees for Manila's "top" doctors.

[@llothar68]

Depends on what problems you have. I only investigated the dentist world and it's like most in the Philippines disgustingly expensive compared to other ASEAN countries. The terrible influence of America is shown again.

[@1MinuteFlipDoc]

good to know!

[@enrequieedios4657]

one out of 3 deaths in USA hospitals id doctor related also Thailand is ranked number 22 in the world the USA is 34, for medical care , costs and being up to date per sa top tier get your self together go to Thailand and use Pac cross

[@tlevans62]

I’ve had great treatment here for Prostate Cancer with great Doctors, and most of the things I’ve had issue with here I’ve been treated better here than my friends in Australia or Canada. My treatments were at The Medical City and they have a lot of first rate equipment.

[@JunRoss-pp3mv]

Not sure where you got these info@@enrequieedios4657

[@yachtstargazer3148]

Have been using Pacific Cross cover for many years, luckily never had a claim, so don’t know if they come thru when needed. The one thing I have observed with Philippine Doctors, Surgeons and Specialists is that their medical training and certification is lightweight by International standards. Also perhaps because they are overworked, visiting a few clinics weekly, they tend to rush their diagnosis with minimal testing and default towards operations rather than as a last resort. So, if you do have a serious problem, recommend getting more detailed tests (like colored ct scans) and sending that data overseas for a second opinion.

[@mikejones5364]

I agree, I wouldn't trust my health to a Philippines doctor, it just too risky

[@spidermanspiderman9910]

I will believe your comment if you said you used the service in various hospitals in the Philippines. Your comment is just an opinion.

[@yachtstargazer3148]

@@joewilliams7783 Don't know, but I am pretty sure that the patient pays the Hospital/Medical bills and then gets reimbursed in stages by the Insurance company once all the paperwork has been processed.

[@yachtstargazer3148]

@@spidermanspiderman9910 I think it's a bit more than just an opinion. Have been living in the Philippines for 20 years and love it. But the "fact" that Philippine trained doctors have to go thru retraining and certification in UK/USD/Canada/Australia, is more than an opinion Many Doctors end up working as Nurses. Many Nurses end up as medical assistants in retirement homes in those countries until retrained. Many of the best Doctors here in the Philippines, ended up working overseas for many years getting retrained, before returning home. We all know that the Philippine education system is not well funded, forced to take shortcuts to put people to work and we do our best to fill in the Gaps. That's why I advise a second opinion from overseas, if you have a serious concern

[@WildMidwest1]

@@yachtstargazer3148 A well reasoned and beautifully presented perspective.

[@BullScrapPracEff]

Here's a number for you. 19 hours of observation costs 29,000 here in the United States. Insurance didn't cover this because it wasn't an emergency that I was shipped to this hospital on an emergency and shipped to a specialized care facility after. That bit in the middle wasn't covered... Insurance in the United States has more problems than not.

[@GUITARTIME2024]

That sounds odd.

[@thomasoleary2564]

This is the most informative Philippine health insurance video I have found. Your guest was very knowledgeable. Thanks.

[@dragonrln]

Great information and answered many of my personal questions about insurance in the PI. Thorough and well done, Miss Pea. Thank you.

[@eddiefavella1321]

Thank you so much Miss Raquel and Pea on your introduction to health insurance ❤

[@fredgillilandjr8648]

Pea,. . . . Once again you amazed us!!!! Thank you so much for sharing your love for the Philippines with the rest of the world. I would love to have a home there. And I might just drop my insurance here and get that. These blood suckers here care more about the dollar than helping their fellow man. Keep up the good work pea. We love ya and GOD bless

[@WildMidwest1]

I work in healthcare and I assure you the problem is not that people don’t care. The problems are extreme levels of bureaucracy and layers of socialism. Healthcare workers feel helpless in a crazy system that grows crazier every year, with ever more unrealistic expectations and largely unfunded mandates. Nothing drives up the cost of healthcare like politicians and others making promises they cannot possibly keep. PI healthcare, by contrast, appears to be much more capitalistic as it was in the US 50-70 years ago. I hope PI can find a way to modernize care delivery without adopting everything that went wrong in the west. Not sure if that is possible though.

[@wongeebullard1382]

Excellent interview. And so very comprehensive. Just amazing. The Pacific representative gave a wealth of essential information. Thank you both.

[@TheFilipinaPea]

Thanks! The contact info is in the description box of the video

[@stephenembrey883]

Just amazing he mount of valuable information the Pea Pirate provides on her channel. I believe it is the most comprehensive channel in all of PH. GREAT JOB PEA!

[@cindygordon5242]

My favorite person

[@TheFilipinaPea]

Well thanks, Cindy!!!! ❤️

[@TheFirephoenix76]

Man, I promise you I was just thinking about this the other day... Thanks Pea. You’re a real gem...

[@TheFilipinaPea]

You’re so welcome, Radaryn! 😊

[@user-DrJoe-Future]

Thank you -- extremely informative video on Health Plans for the Philippines and the World. I took notes. The issue with Americans who are age 65 or over, most are covered under Government Medicare Part A (Hospitalization) and Part B (Outpatient Doctor Care) Insurance. Medicare Insurance only pays 80% of costs. Then most buy a Medicare Supplement (Gap Insurance) for the other 20%, and both together, theoretically, will pay 100% of all medical costs. I had 3 major eye surgeries, and paid a total of less than $100.00. Part D is medicines, and that is extra you have to buy a pharmacy plan for pills, etc. HOWEVER, When you move Out of the Country, Medicare will not pay anything -- they pay NOTHING. So many lose all their insurance. If you are a US Military Veteran and live in Manila, the ONLY US Veteran's Administration (VA) medical facility in the World outside the United States is in Manila, so they can get medical care there for free or low cost. That is why I want my VA Medical Card for a backup because I am a Veteran. If you have US Military Tricare Insurance (different types), they will pay some costs for in and out patient medical care in the Philippines if you go to Tricare approved medical doctors and hospitals -- most of which are in Manila (probably 85% of them). Some are in Cebu, but not many. So I have either limited Tricare insurance, or unknown VA Medical insurance, and will probably have to go to Manila to benefit from both. I think Tricare has a $3500 CAP on medical expenses for patients, meaning that Tricare will pay anything over $3,500 for major medical issues. So if you have a $16,000 medical procedure, you don't pay more than $3,500 out of your pocket, "Tricare for Life" will pay the difference. Now these numbers change -- I don't know what the "Tricare for Life" numbers are for 2021. Other types of Tricare Military Medical Insurance may pay more than "Tricare for Life."

[@happycamper4416]

Correction: You don’t lose your Medicare part A or B (extra pay) outside the country. You are a plane ticket to (Guam or U.S )away from medical care.

[@RandyRhode-yq5hq]

Thank you for the VA healthcare information.

[@Brit_in_Mindanao]

Thanks Pea, I've been watching your videos since you started and I have to say you've become a trusted source of information, it's well researched and I love your light hearted and humourous delivery too

[@lurking0death]

U.S. Veterans Affairs (V.A.) has a clinic and hospital for U.S. Armed Forces veterans in the Manilla area. They also have a regional office that handles all other veterans claims and issues.

[@Thisdanceisforyou]

Your videos are informative and useful . Your doing so amazing wow

[@TheFilipinaPea]

Thanks so much, LCMM 👍👍❤️

[@wwedirtysheets]

Pea is everyone favorite person dont look at her looks look at her personality i love how ur English is so perfect education very smart

[@blakenolan3579]

I don't find anything wrong her looks either. Attractive,educated,well spoken ,classy,funny very well rounded woman in my opinion

[@shamalamadingdong9205]

Yes Pea I am ready. Love your videos. You are very good at what you do. Very informative. Thank you for all of your investigating and getting the right people to interview.

[@themikesullivan1]

This was a very good Pacific Cross commercial...

[@squirrelattackspidy]

I feel like I'm someone is trying to sell me a timeshare in alaska.

[@MrRide2k]

The health insurance agent, your guest, was very impressive, and imparted good information. I am retired from the insurance business in the US.

[@trintex44]

This was very interesting. And you answered my question about medicare as well🙂

[@sveneriksson4405]

When I was at Juness Beach Resort in Morong near Subic bay. I did not have to pay for my care because I was a tourist. But the nurse said if I want I can leave money in a jar to others who can not afford care. I left about 700 pesos. Back to everything we came across but one who had lived in Sweden for a couple of years, so we spoke a little Swedish before we moved on.

[@waynejensen4150]

I remember being in a hospital in antipolo with my wife. For a fan for my wife I had to pay up-front so she could be a little cool. And the run down condition of the place shocked me. While I am not here to degrade the Philippines , let me just say ; Culture Shock !

[@siroliver8367]

the shock is the constrast between the hospital and the mall

[@mikejones5364]

I was in a provincial hospital in Davao City back in 2010. It was old and delapted, they had cats living inside the hospital. It was not a place I viewed as sanitary

[@subotaiKhan]

Only Manila and Cebu have first-world quality hospitals

[@peter-bakestar]

Filipino nurses and doctors can't work in Australia until they have completed more training as we have very high standards. Just saying

[@00dfm00]

@@peter-bakestar Okay. However, my sister is an RN in the US and, as she wholeheartedly admits, her Filipino nurse subordinates continue to dazzle her and her other US-trained nurses with their performance. Don't anyone forget that just because they were trained in a 'lesser' country they have any less skills. Our Western paradigm is set up so that we favor those trained in our countries for job positions. Filipino nurses are known around the world for excellence.

[@bobinthewest8559]

A good follow up to this video would be the topic of: Locating/selecting health care providers. Selecting your primary care physician... Choosing a dentist, eye doctor, etc. Always a good idea to have thought about these choices BEFORE an emergency arises so no time is wasted (in the event of...). Just a suggestion Pea... no pressure, lol.

[@BS_Mods]

Thank you so much Pea. Always working hard to keep us informed. From my experience, south of Duma you are on your own if you need an ambulance. Don't wait for them or they may no longer be needed. RIP 😁

[@stephencoleman3578]

In my area traffic is so bad, stretcher bearers would be faster than an ambulance.

[@kayakcobber524]

Yes saw a woman one time so sick but she had to take a Cerus first....or people who broke a leg and just stay in the Payak far up in the mountains....

[@alexlovesusagreecephilippi7599]

I totally agree with your other viewers! Extremely useful and informative... I have been trying to find information on health insurance in the Philippines and never went beyond PhilHealth and a couple of others. Wow the one you and the agent talk about sounds great, it seems that you hit the health insurance jackpot of "beneficial" advice. Congrats! Now I am going to spread the word...

[@JoseNDoria]

In my situation as medically retired military I do not have to worry about HealthCare coverage. I'm really interested in knowing how the VA in Manila works, since it's the only place outside of the US where you can actually use veterans benefits. Compared to most out of pocket insurances in the US these plans sound very enticing. Thank you for the research and the heads up.

[@joseinluzon2218]

They will only see you if you are 100% service-connected, but they will only treat your service-connected issues. I’m 100% S/C, but they won’t see me for the care that I really need the way my Chicago VA treated me for everything. They are extremely extremely limited. I have yet to hear someone speak positively of the care offered there. My opinion is that they should not even call themself a VA Clinic. The name is misleading and the service offered is severely limited and very disappointing.

[@happyguy7836]

The va in phillipines will only treat medical conditions you aquired while in military. But you can get your drugs from them. If you needed a major surgery and could board a plane, I think the va in japan will do most stuff, check that though....that was 15 years ago.

[@edwardaustin9046]

VA clinic in Manila is only authorized to handel service connected issues. So good for some but not all. On top of that, some of the more specialty issues still need to be handled by FMP (pay up front the get reimbursed most times). The majority of US veterans can NOT use the VA clinic in Manila. If you want more info, check out tricare in the Philippines on fb groups. Imho, ymmv

[@whiteboymax250]

Wrong. VA benefits can be used in Thailand as well

[@dennislbrown]

This answered a LOT of questions. I did get a chuckle at the lovely lady who was in full salesman mode, but nothing wrong with that.

[@htennek1]

I don't know much, but I do know that up until just a couple years ago, every filipina I met was a nurse. Not only that, they were the best nurses. So, in the phillipines, I would assume that at least the care you get from nurses are the best. Also, they are in the top of prettiest nurses as well.

[@JunRoss-pp3mv]

You must be working in a hospital 😂😂

[@marksimpson2876]

Always ready for you to take good care of me . You are most gracious person i know .

[@5starCA]

I had to click on the nurse outfit thumbnail. You’re irresistible 😉

[@IAmCraaiigg]

Self-insured means that you have financial reserves to cover medical expenses. Most expenses are reasonable in PI, and doing this is a reasonable plan for most situations. You need to be able to prove ability to pay to receive services and to pay off your bill to be discharged. You can carry a medical pre-paid card which proves to hospitals that you can cover expenses to the limit on the card. $1k USD may be enough for most things, and $5k will be better. However, some procedures are costly. I read that a Coronary Bypass is $18k, and Serious Stroke is $36k. Travel insurance is cheaper than most private insurance, and should cover these expenses. But travel insurance is a reimbursement program so you will need to be able to pay these upfront. Your budget and medical history will dictate what you do to prepare for such emergencies. Most expats will say you should connect with a good primary doctor, any specialists you anticipate needing. I would also try to connect with the billing department at your choice hospital to see what they would accept for payment for services, or proof of insurance. Carrying a balance at a PI bank or other arrangement may be sufficient. I would add that if you are in Manila or Cebu look up the ambulance services, and which hospitals they will take you to. Ambulances are just taxi services, and many do not have the equipment nor staff to provide life saving interventions while in transit. Their sirens do not part traffic so they are not great. But it's the best you have access to in an emergency. I also plan to have health screenings in Thailand as their health care system is much more robust that PI in general IMHO. Health insurance quotation site: www.pacificprime.com/compare-quotes/ PhilHealth info for foreigners: www.philhealth.gov.ph/news/2017/expands_coverage.html

[@monstadable]

Travel insurance will not cover strokes and heart attacks.

[@ThirstyTunaTaco]

We pay 125 euro a month here fully insured for medicines, hospital and dental... So i dont think the $ plan is cheap.. Maybe it's cheap compared to the USA but not to many EU countries. Very informative video though..

[@clydekimsey7503]

125 euro for 2 people?

[@llothar68]

You wont find a better cost/benefit ratio in health care than in EU. Sad and makes me think a lot if i really want to stay away when i get older.

[@mikejardine6623]

I pay 370 Euro for the insurance in germany.

[@firstnamesecondname852]

You must inform them that the amount of your insurance rate depends on your salary or your pension.

[@simply2ghetto]

Which EU country are you in?

[@davidsteck413]

Great job Pea !!!your questions are thorough and important

[@TheFilipinaPea]

I try to be thorough 😊👍

[@kaos1353]

That's some really good info Pea .. now I just need to get there can't wait

[@nicklanger9600]

Pea, your so awesome! My wife and I are moving back to Cebu from the USA this year, and you did my research on medical insurance for me! Thank you so much, your videos are amazing!

[@L4P-Monk]

I have a great health plan. If I get really sick then it’s time to cash in my chips. I’m not trying to extend my life in any way. If it’s my time to go I’m leaving. Peace ✌️

[@saulgoodman7221]

This sounds like what I will need when I leave the US to cover any health issues that may arise. While planning I'll make sure to include this expense.

[@antioniousbrown1961]

Thank you so much for this segment , this is more cost effective than a bad marriage. You're the BEST Pea !!

[@Smalltummywonderful]

Oh, I have definitely looked into all of this before. I know the differences between public hospitals, and private hospitals also Philhealth. I have also heard that illegal imprisonment if the bill can't be paid it leads to problems. From, or as far as I know on the subject. Great job and great video, salamat po Pea

[@quangb8448]

So what happens if the hospital is not part of the Pacific Cross network? Does the patient pay for the entire bill out of their own pocket?

[@drewnc6196]

Pea, this was so informational and answers one of the many questions that I have about moving to your beautiful country. Thank you for all that you do, you truly are a very intelligent and beautiful young lady who really cares about people. Thank you again.

[@scpay]

Great interview, my only question is with pre existing conditions and being over 55, what happens to those that have pre existing conditions that need medications? With that one year wait ( probationary) period., it seems like they are up the creek with a paddle concerning medication. Thanks one again for all you do. Stephan

[@JunRoss-pp3mv]

You can buy the insurance a year in advance before retiring in Pinas. As far as premium for health insurance, it will be expensive specially when you reach 70 & above. The premium is almost comparable to the US & some stop insuring when you reach 65.

[@randydaugherty607]

My family doctor praised Filipino Doctors and researchers. My personal experience is that drinking warm water and need a massage is the answer is most things that ail you. Folk cures are common as most can't afford a doctor, and to their credit, these remedies work.

[@phantasmnine1384]

Thus is true!

[@aitp]

Just to clarify something you said Pea, you mentioned some people could take out Philippines Pacific Cross insurance as an alternative to their own country insurance. Note that their policy states: "In the event that you are hospitalized while abroad, our worldwide emergency assistance partner will be there to help you. Pacific Cross includes coverage for a *maximum of 90 days abroad per trip*. Coverage is extended beyond 90 days *provided the reason for going abroad is not to seek medical treatment*. The extension of stay overseas must also be due to an emergency illness or condition (leading to confinement) that arose on or before your 90th day abroad, for which the continued hospitalization will require you to stay abroad beyond 90 days" So its not really an alternative to ones own countries health insurance and one would need to be very careful trying to use it in this fashion. Great idea if we could though.

[@ManOfAdventure2011]

I don't think the agent said it's a replacement of your home country plan. The message is it's a good supplement plan.

[@aitp]

@@ManOfAdventure2011 and I didn't say she did. Pea mentioned using it as such. And yes it's not a bad plan for expats living in PH who want cover when they travel home or otherwise, however the point is it's NOT suitable as an alternative to cover in their home country as mentioned. But thanks for your comment

[@shabeercassimjee]

Thank you my dear Pea. Very informative. You really work very hard to inform all of us. May the good Lord Bless you 🙏.

[@garytucker7031]

You're making it easier for me to retire in paradise. Now all I need is a nurse with a sponge.

[@whynot2734]

LOL your right

[@fendermon]

I was thinking two nurses, just to be safe.

[@JunRoss-pp3mv]

If you have good retirement pension, you can have 2 nurses, a maid & a driver. 😄😄@@fendermon

[@f1hotrod527]

Not the most glamorous subject, but extremely useful. Another great video. This channel is becoming the de facto channel abut The Philippines.

[@mrjlbarrett5556]

Pacific Cross that's what we have . It used to be Blue Cross

[@jay_g1984]

Blue Cross, uhmm that's why it sounded so familiar when she was talking. I wouldn't touch with a 10 foot pole then. It is over priced and not very good benefits in return.

[@plantworks100]

Hey pea my beautiful friend, wow, pacific cross is amazing!!! I am definitely going that health insurance when I retire there. You know pea, your channel brings more information and facts about everything in the Philippines more than most of these vloggers combined. Thank you so much for all of your hard work that you do. Like I said, I am a subscriber for life to your channel. You rock my beautiful friend. Stay safe and healthy and God bless you always.😊 😊 😊 ❤️ ❤️ ❤️

[@rickmurray3859]

Miss Pea, I know from experience that there are many great hospitals in the Philippines. The one thing that has completely stumped me is this. The rate of death from this covid thing is due to the fact that in the Philippines (at least in Olongapo where we live) if you cannot pay in advance for even a life saving surgery you are not getting it and will therefore die. I realize also from experience that getting a Filipino to pay you back is difficult , is not that life more important then the money? why do they make you pay before they take care of you? In advance I thank you for your answer. Stay well and keep these videos coming. My asawa is even starting to watch you. you have no idea (maybe you do) the shit I caught watching a beautiful girls videos but now she gets it.

[@Ed19601]

They make you pay up front so they are sure they get their money.

[@bobinthewest8559]

Unfortunately... providing care to too high a number of people, and then NOT receiving payment... would quickly put a hospital out of business... and then they wouldn't be there to help ANYONE. Hospitals have high costs (salaries to doctors, nurses and other staff, maintenance of medical equipment and even the building itself, etc.), which must be paid regardless of whether or not they "collect" for services rendered. In the u.s., there are laws which force hospitals to treat in life threatening situations... but, I'm pretty sure that the government also "steps in" in some way to prevent that from putting a hospital out of business. I don't know for sure... but, I suspect that Philippines hospitals don't enjoy such protections. This is why I would say that good health care insurance, bolstered by your own emergency savings fund (as much reserve cash as you can afford to keep without spending it on living expenses), should be viewed as an imperative part of your financial planning. The most crucial layer of any plan, is what you can do for yourself.

[@IronmanLIIII0]

Many hospitals in America have closed their doors permanently because of too many uninsured or under insured patients. For the same reason, is one of the reasons why medical insurance premiums are skyrocketing out of control. Unlike the Philippines, the US government passed a law in 1964 mandating that even the indigent are entitled to hospital services regardless of anility to pay. Now we are paying the price in gigantic healthcare insurance premiums for those of us lucky enough to have insurance.

[@WildMidwest1]

@@IronmanLIIII0 It is the classic debate about free markets versus socialism. In the West we are careening into socialism, and price explosion is the consequence. Slogans such as “affordable healthcare act” have been anything but affordable. It’s bankrupting the middle class, which is strait out of the socialist playbook.

[@Danc571]

@@WildMidwest1 Actually, the United States stands virtually alone among developed countries in terms of personal bankruptcies being caused by health emergencies. Call it socialism or whatever you want, but the rest of the world seems to be able to assure that all of their citizens get adequate healthcare through a public or semi-public system.

[@jaybrinkman2767]

Thank you. A very important topic for us. Excellent job.

[@danshroyer8932]

Always a good interview, some how I could read your eyes when you said until then let's see what I can surprise you with! 🙂 waiting already for the next one from what I understand you are in quarantine? Stay safe we all love the Pea! God bless and Health is wealth! 🙏❤

[@HankHill757]

Pea, you should do a video on medical care in the different parts of the Philippines., specifically which areas have full service medical care (top notch treatment for various medical conditions) vs areas that have basic or no medical care. Focus on areas where most expats live. Most expats tend to be older and good medical care as we age is a consideration. Also, do a segment on elder care in the Philippines, particularly for expats. What options would an elderly expat have for assisted living care instead of dreaded nursing homes we have in the west?

[@larryc6676]

There is the nurse's outfit that I requested LOL

[@harryvanhoo7235]

Very informative. Thank you very much. Cheers from Australia. I can't wait to be able to travel again around the Philippines. I just bought a new motor bike and now it just sits in my auntie's place, being lonely.

[@cyberspooky]

Still happy 😎

[@TheFilipinaPea]

And you’re FIRST commenter! 🏆

[@clydekimsey7503]

@@TheFilipinaPea im sooooo jealous!😉😆😅

[@ronlepage8895]

My good friend broke his leg in a bike accident when he got to the hospital, he laid in a bed in the hallway for four days because he didn't have any money on him. The doctors wouldn't treat him until they got paid upfront ... THAT SUCKS!!! 😢😢😢

[@richardsmall7893]

Ear update.While it started and ended poorly the actual interview was great,and u great to look at.I presume the beginning and end was shot another time so let you off slighty on that.So i give you a 7/10 which is just about a pass.I am sure you would like a higher score? Also do you know how many passes and fails you got? As I would like to keep score.

[@danwillis1389]

Thank you sweet Pea. This is very helpful for me. I want to move to the Philippines

[@clydekimsey7503]

Am I the first? 😯

[@TheFilipinaPea]

So close!!

[@Traveler-bw1jj]

I found this extremely valuable. Thank you for this video. I sent you a few $ to help with your expenses. Thank you again.

[@kfubink6010]

I hear many times you have to pay upfront and then ask it back from the HMO true or not? Thanks for all the info provided Pea

[@scottramey4443]

True..I was in Pasig with a gall bladder attack. Lots of pain, went to ER, but had to sign paperwork that I would pay upon discharge. 4 hrs in ER, lots of Dx testing... final bill $427...as a nurse myself, I was impressed with my care

[@JunRoss-pp3mv]

You need to pay upfront in most hospital them submit a claim in the US. I know someone that was in ICU for 3 weeks & he has to pay the $70K upfront. He submitted a claim when he came back but the insurance company paid him only $65K. He lost $5K.

[@johnmurray202]

This was a GREAT video! Thanks!!

[@paulsnyers5721]

Almost first ?

[@TheFilipinaPea]

Ohhhh Paul - you’re second!!! Soooooooopp close

[@TomBTerrific]

Good information Pea. Thank you to your guest Ms Raquel also. She made it very clear and easy to understand. The only thing I would have liked to hear was rates for people over 70. 55 is when rates start to rise. Also does PC directly pay the hospital so the person insured doesn’t have to deal with all the paperwork involved. I was in one hospital in the Philippines for 3 days. You don’t leave until you pay. It’s very good new to hear St Luke’s and the other JCI certified hospitals are in PC’s package. To all of you thinking about or already living in the Philippines know this there are only 5 JCI certified hospitals in the Philippines. If you have significant issues that’s where you want to go. So no matter where you live plan for the event and how your significant other will get you there. You don’t want to be in a tricycle or jeepney stuck in traffic. Just saying.

[@JunRoss-pp3mv]

It's very costly for people 70 & above. The premium is comparable in the US. That's why she was focus on 55 yrs old which most people are not retired yet.