Newly hired? Here’s what you need to ask about your health benefits
Congratulations on getting your new job! This milestone may well determine the rest of your career, and there are many changes that are going to happen at once. You will learn to budget, invest, and spend for experiences you’ve always wanted to have. It’s important to remember that there are perks to working beyond your salary and bonuses. One of them is having health benefits.
If you’re a new employee, having your first health card can be an exciting but intimidating experience. It helps to be proactive about this aspect of your professional life. Healthcare companies in the Philippines provide a range of services that can make medical emergencies less stressful, but they can also be useful for preventing them. Getting to know your health card insurance provider now can save you time in the future and help you make the most of your coverage.
To get you started, here are five things you need to ask about your healthcare provider.
1. What are the annual services covered?
It’s important to know from the outset which services you can avail of annually, because this will affect your schedule. Keep in mind that you may have to file a leave for some of these procedures, as clinics are not always open past business hours. Some usual annual services are dental and optical ones. Make sure you get your teeth checked out – get your oral prophylaxis to prevent periodontal disease and gingivitis, and have those cavities filled in before they get worse. It’s also good to have your eyes checked even before you feel any blurring in your vision or dizziness. These may come free with your health card, so make sure to ask your company about it
2. What are the affiliated institutions?
Each healthcare company has affiliated institutions where you can avail services. Most large hospitals honor all HMO cards, but smaller clinics are more restrictive. Your health card probably came with a booklet of affiliated institutions, but it won’t hurt to check online for updates. You should highlight those within your immediate work area and those near where you live. Post it somewhere easy to see in case you need to be rushed for a medical emergency.
3. How much do you have to pay for additional dependents?
This depends on your healthcare provider, but there is usually an option to include additional dependents such as parents, siblings, or unmarried children in your coverage. This will mean having some extra deductions from your monthly salary, but this is far cheaper than buying a subscription for them on your own. So, if you can already afford to sacrifice a little from your cutoff, ask about the cost for additional dependents.
4. Is there a medical reimbursement benefit?
This has less to do with your HMO provider and more to do with your employer, but it’s important to check if you have a medical reimbursement benefit. This usually takes the form of reimbursements for prescription medicines and vitamins, and the sooner you know about it, the less chance you will accidentally throw way any prescriptions or receipts. You should also ask if this covers the prescription medicines and vitamins of your additional dependents, if you have them.
5. Can you convert the medical benefit into cash?
Flexible benefits are becoming a trend among many companies, and they let you convert your unused allowances and benefits into cash or points for online shopping. Make sure you ask about this option just in case you have it. Employers understand that younger employees have less need for medical attention, so in order for you to take advantage of your benefits, you should check all the options and possibilities.
Healthcare providers in the Philippines make your work less stressful and more enjoyable, especially in the long run. You may not appreciate how much it’s going to help you or your loved ones now, but given the stress of working, commuting, balancing your budget, and saving up, sooner or later you will need to get some medical services. It’s better to be prepared for that than being taken by surprise. It’s also going to ease your worries about what you are going to do in case there is a medical emergency.
As a last note, health card insurance providers in the Philippines sometimes provide perks other than the usual oral prophylaxis, optical services, and coverage for illnesses. These range from discounts on gym memberships to updates on fitness classes, fun runs, or weekend hikes. These don’t only make you healthier, they also allow you to bond with your workmates and meet new people. Easing into your first job can feel lonely, so these fitness activities are a great way to get used to your professional life.
Wondering if there are there are other health plans to supplement your current? Or maybe you want to ensure your loved ones’ health? Maria Health is here to help you out. From hospitalization to consultation and even emergency ambulance service, Maria Health has partnered with the top health insurance providers in the country to provide you with the best options. And the best part? Maria Health is always free.