19/09/2025
True to life story today with my father.
Doctor checking sa gamay na samad sa ilong sa akong father.
Father: Dugay nani wala naayo doc kay og mokogan ang samad ako man dayon paksiton.
Doctor: Dili jud na sya maayo kay I saw something na cancerous nana sya. Kailangan na kuhaon ang problema. Need na sya hiwaon tapos ipa biopsy.
Father: Matangtang ni ako ilong Doc?
Doc: No, kuhaon rana ang part nga naay problema
Me: So mabangag ng ilong sa akong Papa Doc?
Doctor: YES! Diba niari mo para nangayog tabang? So mao na akong ikahelp.
Me: If that's the case Doc, how much it cost?
Doc: Prepare 18,000 for that operation.
Me/Father : (Silent in few minutes)
Father: Sure na Doc nga maayo akong ilong?
Doc: YES!
Me: Cge Doc will call you if we decide. (Thinking if there's another possible way to cure it. ) Doc, do you have an alternative way to cure it before he will undergoe an operation? Like medicines to try if it works? Or ointment?
Doc: NO? That's the solution I can give.
ME: Ok Doc. Thank you. We will call you once we decide.
Secretary: Consultation pay is 700.
Conclusion:
First: Maka kulba kaayo ang ingon ana nga situation. Gamay na samad buslot na dayon ang ilong. (We need God's wisdom, og unsay iyang plan to cure it. Pls help us to pray). 18,000 can be afford but ang maboslot ang ilong syempre makahadlok.
Second: Importante ang Health card. Why?
Today, we spent 700 Consultation fee and for the surgery he required us Php18,000
My father is Senior Citizen. No more HMO can cover him.
If only pwede pa sya makakuha og HMO then we can save more money.
✅ For 7,000-12,000 Premium yearly
Free: Consultation, APE & Dental yearly
Pre-existing conditions covered (75,000 per illness including surgery or operation)
✅ Need to have Long-term Healthcare plan. Why?
Mostly, HMOs can cover up to 60-65 years old only. So if before 60 years old, nakakuha nata og Long-term Healthcare wala nay problema sa healthcare needs after retirement years.
Hope you can learn about this today. Importante jud nga naay healthcare (Short term & Long term healthcare)
Message me to help you get your Health Card.
DUMAGUETENOS Antonieta Radoc Romero