Thanks for sharing your information and experience. I'm retired (66) in cebu city and have family that live in Toledo. I do have Philheath to get me in the door.
Great video! This is a must watch for all expat retirees. This is the first video I've ever seen covering someone's personal experience with a major cardiac event in the Philippines. You restored some of my faith in the Philippine healthcare system's ability to provide quality cardiac treatment. If you don't mind though, could you be a little more specific about your actual diagnosis and treatment. You mentioned blockages and stents so I'm assuming you only had two stents put in, right? You did NOT have a bypass, right? I'd just like to know because a bypass or bypass/stent combination would have likely cost much more. As a general rule, I've always recommended that all expats have an emergency medical fund of at least $20K USD to cover cardiac events, major trauma (like a motorcycle wreck), or cancer treatment. Sounds like I wasn't too far off, eh?
Had 2 blockages - a stint was inserted in the main blockage which restored my volume to 60% - which is an acceptable range. The other could not be fixed - the cardiac center in Nashville offered to try - but it’s a minor artery and my daughter is a cardiac specialist who agrees the risk is too high vs leaving it alone - I should have another 10 years
Thank you for sharing your first hand experience. There is too little of this kind of information available, based on first-person experience of treatment and costs. Your content is a valuable insight. Thank you for taking the time, sir. God bless.
Great information. I'm 73 and planning to retire in the Philippines,, I just went to my cardiologist for a stress test and echo cardiogram. Luckily my heart and arteries are good shape. Hope all is well with you.
I am an American age 72 living in Cebu City, Philippines, arrived in Feb 2022. I have a Fiancée and her two twin daughters living with me, and I have not been this happy in 47 years. My heart is ok and pumping good (strong), but I do have heart disease (arteries). At Cebu Doctor's Hospital, I got a full detailed medical exam + cardio including full abdomen ultrasound, 2D Echocardiogram w/Doppler, Resting Electrocardiogram, Chest X-ray, and full blood tests after I arrived, and nothing unexpected or overly bad was found. No high BP, low BP, no Diabetes, etc. But some build-up in arteries. Keep taking my Crestor, daily aspirin, etc. The rest of me was great. Later I received a full cardio stress test -- I passed the test well. So each year I will get a full physical & Cardio exam - about 15,000 pesos.
Actually, for the treatment you got, the cost was pretty cheap, compared to the U.S. where the "out of pocket cost" (for similar care) would have been MANY times MORE, and if you had possessed private P.I. insurance you would have paid much less.
Check your Medicare policy. Mine covers travel to a foreign country if I have a major medical event. I have to pay upfront but submit my medical costs for reimbursement for Part A, Part B, and Part D coverages. I did not mention Part C as it depends on whether someone chooses to have an Advantage Plan or traditional Medicare. I even asked about the length of travel which would apply to what I would want to do spending a large amount of time in many countries. The answer was as ling as I have a permanent residence in the USA reimbursement will occur. In many instances the total charge for hospitalizations, so procedures snd doctors costs would be less than the portion Medicare would pay. If my out of pocket costs were to reach $5000 in an annual year my Medicare Advantage Plan would Cover 100%. Everyone should note that your Medicare Part A costs you nothing, the premium for Part B this year for all Medicare recipients is $164 which is deducted from your Social Security and your part D for prescriptions cost $11 a month. Everyone needs to check on their Medicare plans for out of country coverage and if it does not cover those costs one should change to a better plan. A person over 65 should never give up Medicare coverage as travel insurance for those over 65 is terrible and if you have a major medical issue you should fly back to the USA for procedures if you can. There are only 4 hospitals in the Philippines that I would potentially go to and in the top 100 hospitals in Southeast Asia there are three. Thailand has over half with many having world class medical care and in Singapore it is world class medical care.
Great information, thanks for sharing your story and your costs. I've never bothered with health insurance and am 56 years so coming into the red zone for unexpected emergencies.
Great information. Just had an angiogram done in the US on an outpatient basis and the bill was almost $23,000 US. They discounted it for Medicare to about $4,000 and my Medicare plus plan paid for all of it.
This is a really good video!!! First of all, im happy you lived to tell us the story. Secondly, it really is eye opening as to how much money we should have in reserves should something like this happen to us. Ofcourse, an ounce of prevention is better than a pound of cure. Again I'm glad you are doing well and grateful to you for this video!!!
Thank you for sharing your medical experience and costs. This really helps. We will be moving there in a year and a half and we're looking at medical insurance. We're both blessed to be healthy and not taking any meds but we also need to set aside a budget for medical emergencies. Your video gives us an idea of how much to set aside when and if we ever need to. God bless.
Thanks for sharing i had a heart attack April 2018 and had a stent I won't live full time in the Philippines now its difficult to get insurance, Well i can get insurance but its expensive even travel insurance because im high risk. Its good to see you made a recovery i also made a recovery. Your house 🏠 looks amazing stay well thanks for sharing.
Finding medical insurance for expats who are 65 and up is difficult to find overseas. Insurers just don’t want to write a policy for you. I’m turning 70 in a few months and would like to move to the Philippines and build a house as you are doing. Wish you well.
Unless your wealthy you better have good health care coverage, another thing medical care is subpar. I’m in Thailand for medical care but live in the Philippines. Buy the best medical care you can afford. Trust me
I am 66 in the Philippines and insured with Pacific Cross and their peso plan. There are 3 tiers, I am on the lowest one which covers up to 500,000 pesos and cost me 32,000 pesos per year. It goes up a little bit annually. Hope this helps.
Good Vid! My Gf's Daughter had Knee surgery and 5 days in the hospital (Private-Manila area) and that all was about half what You paid for your heart attack
Thank you for that info and everything is good. I live in the Dumaguete area, and if I am going to survive...well I would have to be by helicopter. I just have to accept my faith.
Thank you for sharing your experience since I had a quad bypass some 12 years ago a heart attack is one of my biggest concerns and how it would hit my pocket book. I’m on Luzon so I can get good care just how to pay is the concern
You had a medically coated stent which means your artery was not fully blocked. Eliquis and blood thinners for life, and hyper tension meds. Get doing some walking, just bought yourself another 10-15 + years
I recently also had a heart attack and emergency open heart surgery(CABG) in the US. The final bill was $315k usd including 8 days in the hospital. Thankfully my health insurance covered everyting but my $3k usd copay.
Good information. Hang in there. We will keep watching. I want to see the finished house. Our property looks like about the same size as yours so we want to see our possibilities and steal some ideas.
Thank you. This was a video I was really looking for since I live in Cebu City. In fact, I live about 5 minutes from Cebu Doctor's University Hospital where my Primary Care Physician has an office. I just turned 72, so I am concerned. I already have 500,000p in my U.S. medical checking account with debit card access. My Fiancée has access to it in an emergency. I will add another 200K pesos. I agree with you, at my age, health insurance has been a bust here. It is either not available, or excessively expensive. My Fiancée did help me get Phil Health here for whatever it's worth. In the U.S., I had a number of surgical procedures, and it cost me nothing with Medicare and my military Tricare Insurance that pays the difference. I think it sucks we cannot use Medicare outside the country --- even at a reduced rate. I paid for it all my life, and still paying for it now at about $300.00 a month -- for nothing. Why do we let the politicians get away with that? However, I am supposed to have a $3,000 out-of-pocket cap on my Tricare medical expenses per year, or 150,000p (50 x $3000) reimbursement after the fact. But I have to pay upfront. So theoretically, anything above 150,000php Tricare should pay and reimburse me in full. That is why I only had 500,000p in the medical account.
@@rayintoledocebuphilippines5517 Well, if I wanted my military retirement healthcare insurance, I had to get Medicare Part B. So now I have "Tricare for Life" medical insurance. I hope it works when it counts!
Aside from Medicare's the highly restricted provision for emergency care while traveling outside the U.S., we will NEVER see original Medicare coverage outside of the U.S. For that to happen, a completely new and very complex computer/software system would have to be developed to handle all the billing and prevent fraud. A whole new system of audits and reviews would have to be implemented. It would be an impossible bureaucratic nightmare! Plus, it's highly unlikely that any clinic/hospital outside of the U.S. would ever go along with conforming to Medicare's coding and billing requirements. However, I believe there is a somewhat simpler solution that we might be able to get our politicians and Medicare to go along with. They could write legislation allowing or mandating that Medicare Part C Advantage plans cover medical treatment overseas, which is presently limited to the first 60-days out of country. With the comparatively low cost of healthcare overseas, I believe many Medicare Advantage Plans would jump on this opportunity because it would be very profitable for them. Now bear in mind, that it would still be VERY unlikely that overseas hospitals would bill directly to a Medicare Part C plan. So, you'd still have to have the cash to pay out of pocket first, and then submit bills for reimbursement later. Still, that would be vastly superior to what expats have now.
@@rayintoledocebuphilippines5517 I would not recommend dropping Part B. Instead, I would advise everyone to look for a Medicare Advantage Plan that offers the Part B premium give back. That way you could still have a treatment option in the U.S. and not have to pay for Part B, D, and a supplement. Granted, Medicare Advantage Plans with the Part B give back option are not available in all markets, and tend to have very high deductibles. But still, it would be a low cost option to fly back to the states and get treatment for a non-emergency condition.
@@jasonjames4254 What you say is probably true regarding the Medicare Process. They would have to vastly streamline and simplify the process for those overseas. I have government Tricare insurance and use it overseas. You collect the bills and email, fax or mail to a Tricare office, they review, and reimburse you for the permitted expenses. They have "approved providers" like an HMO. I agree with you, if you try to use the exact U.S. process and system used by Medicare Overseas, it will not work. It must be considerably simplified. There may be some "leakage" or "loss," but overseas numbers are so small compared to mainland US. Medicare estimates about $60 BILLION a year in fraud, errors, etc. That is an insane amount. Overseas fraud would barely register against that when you consider the numbers.
Hello just saw your vlog, I subscribed. I'm going to PI after 40+ years out of the country. Scouting whether a female solo senior former Filipino can retire there. Can I get advice from you every now and then? Thank you!
Thank you for the excellent video. Just to clarify. I have Medicare A & B plus I have a Medigap policy, if I am traveling to the Philippines for the winter months and have an event such as you did (like heart attack or stroke) would my plans reimburse me for the hospital services and drugs, etc after I paid the hospital bills? Good luck to you I hope you are recovering well 😀👍
Lotsa liar Expat Vloggers claim that there is no reliable Hospital outside Manila…and the price of 10K for your Cardio very cheap and is almost the same asking for my Dental Implants here overseas!
@@rayintoledocebuphilippines5517 I bought insurance from A+ international which was bought out by April international. Covers one million dollars with a $1,350.00 deductible. I know what I’m talking about. I’ve used it and they paid at the top international hospital in Bangkok. Bumrungrad hospital
@@rayintoledocebuphilippines5517 Ray you can buy insurance from international insurance companies that are very reliable. That’s what I did. I don’t trust Philippine insurance companies. Yes the older you get it’s harder to get good insurance. I started with current policy at 57. Thank god I had the brains. Otherwise it would come out of pocket. Most hospitals and doctors are shit in the Philippines, with sprinkles of good and excellent doctors.
Eventually I believe the PH govt will stop Philhealth from covering expats in the future regardless of age...only will cover PH citizens..cuz they know treating expats is Costing them too much..that's where I see it going...agree or disagree?...
@@bhinbayoucity5691 Well, I am a legal resident of the PH (13a) and married to my filipina wife. So.. I qualify and have philhealth. I make my monthly contributions as well. Tourists.. I have no idea, but I believe they can not avail the program. Many of the 'expats' here are really just on tourist visas.
![[TH] Esports World Cup : Knockout Stage Day 3](http://i.ytimg.com/vi/t3FcD5TD8qI/mqdefault.jpg)
Thanks for sharing your information and experience. I'm retired (66) in cebu city and have family that live in Toledo. I do have Philheath to get me in the door.
Sorry to hear about heart attack Ray.
Glad you’re feeling better.
Great video! This is a must watch for all expat retirees. This is the first video I've ever seen covering someone's personal experience with a major cardiac event in the Philippines. You restored some of my faith in the Philippine healthcare system's ability to provide quality cardiac treatment. If you don't mind though, could you be a little more specific about your actual diagnosis and treatment. You mentioned blockages and stents so I'm assuming you only had two stents put in, right? You did NOT have a bypass, right? I'd just like to know because a bypass or bypass/stent combination would have likely cost much more. As a general rule, I've always recommended that all expats have an emergency medical fund of at least $20K USD to cover cardiac events, major trauma (like a motorcycle wreck), or cancer treatment. Sounds like I wasn't too far off, eh?
Had 2 blockages - a stint was inserted in the main blockage which restored my volume to 60% - which is an acceptable range. The other could not be fixed - the cardiac center in Nashville offered to try - but it’s a minor artery and my daughter is a cardiac specialist who agrees the risk is too high vs leaving it alone - I should have another 10 years
Thank you for sharing your first hand experience. There is too little of this kind of information available, based on first-person experience of treatment and costs. Your content is a valuable insight. Thank you for taking the time, sir.
God bless.
I am really happy you are okay, and did a great job on this. Thank you!!!
Thanks Ray… I’m going to link your video on my channel. I keep saying to friends and subs… got to have means cuz hospital care isn’t cheap.
Great information. I'm 73 and planning to retire in the Philippines,, I just went to my cardiologist for a stress test and echo cardiogram. Luckily my heart and arteries are good shape. Hope all is well with you.
I am an American age 72 living in Cebu City, Philippines, arrived in Feb 2022. I have a Fiancée and her two twin daughters living with me, and I have not been this happy in 47 years. My heart is ok and pumping good (strong), but I do have heart disease (arteries). At Cebu Doctor's Hospital, I got a full detailed medical exam + cardio including full abdomen ultrasound, 2D Echocardiogram w/Doppler, Resting Electrocardiogram, Chest X-ray, and full blood tests after I arrived, and nothing unexpected or overly bad was found. No high BP, low BP, no Diabetes, etc. But some build-up in arteries. Keep taking my Crestor, daily aspirin, etc. The rest of me was great. Later I received a full cardio stress test -- I passed the test well. So each year I will get a full physical & Cardio exam - about 15,000 pesos.
@@user-DrJoe-Future Glad you posted this and you are super smart and cannot believe more expats do not do this.
Sorry for what happened to you. Thank you for the information. This is really helpful.
Actually, for the treatment you got, the cost was pretty cheap, compared to the U.S. where the "out of pocket cost" (for similar care) would have been MANY times
MORE, and if you had possessed private P.I. insurance you would have paid much less.
Check your Medicare policy. Mine covers travel to a foreign country if I have a major medical event. I have to pay upfront but submit my medical costs for reimbursement for Part A, Part B, and Part D coverages. I did not mention Part C as it depends on whether someone chooses to have an Advantage Plan or traditional Medicare. I even asked about the length of travel which would apply to what I would want to do spending a large amount of time in many countries. The answer was as ling as I have a permanent residence in the USA reimbursement will occur. In many instances the total charge for hospitalizations, so procedures snd doctors costs would be less than the portion Medicare would pay. If my out of pocket costs were to reach $5000 in an annual year my Medicare Advantage Plan would Cover 100%. Everyone should note that your Medicare Part A costs you nothing, the premium for Part B this year for all Medicare recipients is $164 which is deducted from your Social Security and your part D for prescriptions cost $11 a month. Everyone needs to check on their Medicare plans for out of country coverage and if it does not cover those costs one should change to a better plan. A person over 65 should never give up Medicare coverage as travel insurance for those over 65 is terrible and if you have a major medical issue you should fly back to the USA for procedures if you can. There are only 4 hospitals in the Philippines that I would potentially go to and in the top 100 hospitals in Southeast Asia there are three. Thailand has over half with many having world class medical care and in Singapore it is world class medical care.
Great information, thanks for sharing your story and your costs. I've never bothered with health insurance and am 56 years so coming into the red zone for unexpected emergencies.
Great information. Just had an angiogram done in the US on an outpatient basis and the bill was almost $23,000 US. They discounted it for Medicare to about $4,000 and my Medicare plus plan paid for all of it.
I had one in the Phillipines and it cost about 1,300$.
@@petephelan969 where did you have it done and how satisfied are you?
Thank you for sharing the information and really glad that you are okay!!
This is a really good video!!! First of all, im happy you lived to tell us the story. Secondly, it really is eye opening as to how much money we should have in reserves should something like this happen to us. Ofcourse, an ounce of prevention is better than a pound of cure. Again I'm glad you are doing well and grateful to you for this video!!!
I was quoted $12,000 for open heart surgery in Thailand a few years back, but I recently heard that it went up to $13,000 now.
Sounds about right - my hip replacement on the USA was 30k usd - I’m sure heart surgery would be much more
This is why we built our house near Davao City. I appreciate your information.
Thank you for sharing your medical experience and costs. This really helps. We will be moving there in a year and a half and we're looking at medical insurance. We're both blessed to be healthy and not taking any meds but we also need to set aside a budget for medical emergencies. Your video gives us an idea of how much to set aside when and if we ever need to. God bless.
Thanks for sharing i had a heart attack April 2018 and had a stent I won't live full time in the Philippines now its difficult to get insurance,
Well i can get insurance but its expensive even travel insurance because im high risk.
Its good to see you made a recovery i also made a recovery.
Your house 🏠 looks amazing stay well thanks for sharing.
Great job on the video Ray. Thanks for the info.
Finding medical insurance for expats who are 65 and up is difficult to find overseas. Insurers just don’t want to write a policy for you. I’m turning 70 in a few months and would like to move to the Philippines and build a house as you are doing. Wish you well.
Unless your wealthy you better have good health care coverage, another thing medical care is subpar. I’m in Thailand for medical care but live in the Philippines. Buy the best medical care you can afford. Trust me
I am 66 in the Philippines and insured with Pacific Cross and their peso plan. There are 3 tiers, I am on the lowest one which covers up to 500,000 pesos and cost me 32,000 pesos per year. It goes up a little bit annually. Hope this helps.
Great video. Very informative. Thank you.
Thank youuuuuu for sharing....it's a lot of help.
Good Vid! My Gf's Daughter had Knee surgery and 5 days in the hospital (Private-Manila area) and that all was about half what You paid for your heart attack
Thanks for the info.
Sorry that happened ot you, but thanking you for the information. Hope you ocntinue to rehab well.
great information
Glad your hear brother ~~~~ peace love and Happiness
Thank you for that info and everything is good. I live in the Dumaguete area, and if I am going to survive...well I would have to be by helicopter. I just have to accept my faith.
Thank you for sharing your experience since I had a quad bypass some 12 years ago a heart attack is one of my biggest concerns and how it would hit my pocket book. I’m on Luzon so I can get good care just how to pay is the concern
You had a medically coated stent which means your artery was not fully blocked. Eliquis and blood thinners for life, and hyper tension meds. Get doing some walking, just bought yourself another 10-15 + years
I recently also had a heart attack and emergency open heart surgery(CABG) in the US. The final bill was $315k usd including 8 days in the hospital. Thankfully my health insurance covered everyting but my $3k usd copay.
Good information. Hang in there. We will keep watching. I want to see the finished house. Our property looks like about the same size as yours so we want to see our possibilities and steal some ideas.
Thank you. This was a video I was really looking for since I live in Cebu City. In fact, I live about 5 minutes from Cebu Doctor's University Hospital where my Primary Care Physician has an office. I just turned 72, so I am concerned. I already have 500,000p in my U.S. medical checking account with debit card access. My Fiancée has access to it in an emergency. I will add another 200K pesos. I agree with you, at my age, health insurance has been a bust here. It is either not available, or excessively expensive. My Fiancée did help me get Phil Health here for whatever it's worth. In the U.S., I had a number of surgical procedures, and it cost me nothing with Medicare and my military Tricare Insurance that pays the difference. I think it sucks we cannot use Medicare outside the country --- even at a reduced rate. I paid for it all my life, and still paying for it now at about $300.00 a month -- for nothing. Why do we let the politicians get away with that? However, I am supposed to have a $3,000 out-of-pocket cap on my Tricare medical expenses per year, or 150,000p (50 x $3000) reimbursement after the fact. But I have to pay upfront. So theoretically, anything above 150,000php Tricare should pay and reimburse me in full. That is why I only had 500,000p in the medical account.
Yes I agree - I never signed up for part B since I’ll probably never use it
@@rayintoledocebuphilippines5517 Well, if I wanted my military retirement healthcare insurance, I had to get Medicare Part B. So now I have "Tricare for Life" medical insurance. I hope it works when it counts!
Aside from Medicare's the highly restricted provision for emergency care while traveling outside the U.S., we will NEVER see original Medicare coverage outside of the U.S. For that to happen, a completely new and very complex computer/software system would have to be developed to handle all the billing and prevent fraud. A whole new system of audits and reviews would have to be implemented. It would be an impossible bureaucratic nightmare! Plus, it's highly unlikely that any clinic/hospital outside of the U.S. would ever go along with conforming to Medicare's coding and billing requirements. However, I believe there is a somewhat simpler solution that we might be able to get our politicians and Medicare to go along with. They could write legislation allowing or mandating that Medicare Part C Advantage plans cover medical treatment overseas, which is presently limited to the first 60-days out of country. With the comparatively low cost of healthcare overseas, I believe many Medicare Advantage Plans would jump on this opportunity because it would be very profitable for them. Now bear in mind, that it would still be VERY unlikely that overseas hospitals would bill directly to a Medicare Part C plan. So, you'd still have to have the cash to pay out of pocket first, and then submit bills for reimbursement later. Still, that would be vastly superior to what expats have now.
@@rayintoledocebuphilippines5517 I would not recommend dropping Part B. Instead, I would advise everyone to look for a Medicare Advantage Plan that offers the Part B premium give back. That way you could still have a treatment option in the U.S. and not have to pay for Part B, D, and a supplement. Granted, Medicare Advantage Plans with the Part B give back option are not available in all markets, and tend to have very high deductibles. But still, it would be a low cost option to fly back to the states and get treatment for a non-emergency condition.
@@jasonjames4254 What you say is probably true regarding the Medicare Process. They would have to vastly streamline and simplify the process for those overseas. I have government Tricare insurance and use it overseas. You collect the bills and email, fax or mail to a Tricare office, they review, and reimburse you for the permitted expenses. They have "approved providers" like an HMO. I agree with you, if you try to use the exact U.S. process and system used by Medicare Overseas, it will not work. It must be considerably simplified. There may be some "leakage" or "loss," but overseas numbers are so small compared to mainland US. Medicare estimates about $60 BILLION a year in fraud, errors, etc. That is an insane amount. Overseas fraud would barely register against that when you consider the numbers.
Didn't know they were up for sale
Hello just saw your vlog, I subscribed. I'm going to PI after 40+ years out of the country. Scouting whether a female solo senior former Filipino can retire there. Can I get advice from you every now and then? Thank you!
Sure anytime
Thank you for the excellent video. Just to clarify. I have Medicare A & B plus I have a Medigap policy, if I am traveling to the Philippines for the winter months and have an event such as you did (like heart attack or stroke) would my plans reimburse me for the hospital services and drugs, etc after I paid the hospital bills? Good luck to you I hope you are recovering well 😀👍
Check with your medigap policy, as Medicare will not. Travel insurance is cheap, so thats what I do.
self insure is so much better
This was morbid, glad you’re alive though.😮
They probably gave you a senior discount at least which is almost as good as a philhealth discount
Yes they did
New subscriber here! 👍🇵🇭❤🙏
Do you self insure or use something like Pacific Cross?
I set aside 20k usd
I hear michael onstead from pacific cross is good
For my age the best they could do is hospital stay only at about 20% for 80 usd a month - do didn’t make sense for me - cash discount was better
@@rayintoledocebuphilippines5517 yeah definetly. Good idea. I commented before i listened. Haha.
The cost in a public hospital might be you’re life 😉
Lotsa liar Expat Vloggers claim that there is no reliable Hospital outside Manila…and the price of 10K for your Cardio very cheap and is almost the same asking for my Dental Implants here overseas!
In my opinion the best hospital in cebu is very bad. No insurance no brains.. come on are you a rich man?
Are you in Philippines ? No insurance ? Try and get some as an expat that is worth the paper it is written on. And your opinion is just that.
@@rayintoledocebuphilippines5517 I bought insurance from A+ international which was bought out by April international. Covers one million dollars with a $1,350.00 deductible. I know what I’m talking about. I’ve used it and they paid at the top international hospital in Bangkok. Bumrungrad hospital
@@rayintoledocebuphilippines5517 Ray you can buy insurance from international insurance companies that are very reliable. That’s what I did. I don’t trust Philippine insurance companies. Yes the older you get it’s harder to get good insurance. I started with current policy at 57. Thank god I had the brains. Otherwise it would come out of pocket. Most hospitals and doctors are shit in the Philippines, with sprinkles of good and excellent doctors.
fyi.. I have used PHILHEALH after the fact. so.. go get it.. submit a bill. You might be surprised that they pay.
Eventually I believe the PH govt will stop Philhealth from covering expats in the future regardless of age...only will cover PH citizens..cuz they know treating expats is Costing them too much..that's where I see it going...agree or disagree?...
@@bhinbayoucity5691 Well, I am a legal resident of the PH (13a) and married to my filipina wife. So.. I qualify and have philhealth. I make my monthly contributions as well. Tourists.. I have no idea, but I believe they can not avail the program. Many of the 'expats' here are really just on tourist visas.