<blockquote rel="Andoy31">question guys:
kailangan ba tlaga ng private health insurance with hospital coverage?
kse may medicare nman and if ok lang syo maghintay ng tawag/appointment -- should be sufficient na diba?
benefits ng private health insurance is pwede kang mamili ng doctor and date kung kelan mo gusto magpa gamot?
if hindi super comprehensive an private insurance mo-- may babayaran ka prin na $$$ on top of certain % ng bill mo.
if critical /life-threatening nman ang sakit mo - uunahin ka parin nman ng public hospital diba?
reason for asking -- kinuha lng kase nmin uing extras (uing mga hindi sagot ng medicare) unless may hindi ako nakikitang super benefits</blockquote>
Depende 'to sa risk appetite mu. Nung kumuha ako ng private health kinuha ko yung second highest coverage. A few years ago, nagpa surgery ako to remove my gallbladder gawa ng stones, wala naman akong nararamdaman during that time, just decided what the heck. Sabi ng surgeon pwde na akong operahan bukas na bukas din pero nagpasched ako in a few weeks time. Yes, may babayaran ka pa rin, I paid 700 pero total cost the surgery w/o insurance is above 12K. Delay lang ng 1 hour yung surgery ko kasi na trapik ata yung doctor pero very smooth yung experience ko. Inoperahan ako ng tanghali, nasa bahay na ako ng midnight. Yung plan ko hindi % ng bill kungdi, 500 ang cash out, yung 200 eh meds (which is PBS, mani-mani lang), taxi, & other expenses.
A friend of mine was also diagnosed with gallstones a few months ago, nagkataon pa na kalilipat lang nila ng private health. So ang nangyari nasa public system sila. My friend was in agony for almost 1 month kasi pabalik balik sa public doctor for consultation, and ilang araw delayed yung surgery kasi pila system dun. Twice syang inoperahan kasi palpak equipment at yung doctor.
Yung isang friend ko naman na surgery sa appendix. Ganun din, sinugod sa hospital nung first night pero ilang araw pa sya naghintay ma-operahan kasi nakapila. Yung plan nya is semi-private, public yung doctor pero private yung room.
Nung nasa ER ako a few years ago sa public hospital for a non life threatening incident, nakita ko yung mga sinugod sa ER nag walk out kasi ilang oras na silang naghihintay at wala pa ring tumitingin sa kanila. I was treated for my injuries after 9 hours nung na admit ako sa ER, kaya never again ako sa public.
Tama yung sinabi mu, kung life threatening, on the brink ka na, i-prioritise ka naman ng public health care system. Kung hindi, tiis-tiis na lang. Or you can be lucky na minimum lang yung coverage mu and never get an emergency treatment.