BUHAY SA AMERIKA: Can I afford a health insurance in the Philippines? My health insurance research. 

Ms G! thank you for your hard work to share this very informative and very important vid. I have to save this one for my future reference.

Thank you so much ate Gi!! Been waiting for your latest vlog. This is so informative. May 10 years pa kami ng hubby ko to retire pero preparing and getting all information we can get thru online, people we know and helpful people like you. Thank you so much!!❤

What a very thorough and impressive content you made !!!! Much appreciated and all the best.

We need more content like this❤ thank you so much for sharing ate G!

Thorough research ang ginawa mo, ang galing. I am sure a lot people benefited from this research. Thanks for posting.

This a very comprehensive video. You have done many a favor. Thank you.

THANK YOU! I subscribed and shared your video to my HS classmates who are now FilAm here. Very informative and awesome research! You are AWESOOME "kabayan!"

This is a very important topic for pinoys who thought of retiring in the Philippines. Thank you for this video. 10 more years for me to do this.

Thank you for this very vital info. Everyone who's thinking or planning on retiring in the motherland is grapples with the reality that Pi could use some improvement on so many areas and this is on top of them. I myself am putting away money just for health care for when I move back. I wish you happiness on your journey back. Be well. 🤗

Very informative. Thank you! This is definitely a deciding factor whether or not to retire in the Philippines

Thanks Gi! Another important and informative vlog which tackles the utmost concerns of retiring back home. Thank you for your advanced research. Kudos to another well made vlog!

My cheap advice. Be healthy and be positive about retirement in Philippines. Get your yearly general check up in States or in Canada. Have an exit plan for emergency health issues. Don't get stuck in the Philippines if your sick.

Thanks, Ate Gi! I finally decided to go with Pacific Cross because of your video. I also got Blue Royale B ☺

Hello ate Gi! So thankful for the effort you put on this and for sharing them to us. I’ve been waiting for this since you mentioned it on your previous episode that you’ll be coming up with this topic about health insurance when retiring in the Philippines. I’ll be getting there soon and this is really a gem of information. All the best to you and your family!!😊

Thanks for a very well researched and detailed presentation. We are also considering repatriating in a couple of years. This should really help us plan and prepare.

Thank you. I needed this. You broke it down for us. Thank you.

This deserves an award! Super informative. Thank you so much. Respect to you po. Stay safe.

Very helpful and informative. Thank you 👍

one thing to consider is the quality of the care you will receive. i was told of my in laws medical advice from one of their docs. the patient has congestive heart failure and had a low sodium level. the advice was to take in more salt in the form of bagoong. FAIL!!! giving more salt would push the patient into an acute heart failure exacerbation. that is medical student level knowledge and yet i have heard of such questionable management from some providers. this isn't a generalization about medical care in the Philippines but one should be selective. i am a recently retired fil-am physician.

Eto rin concern namin sa retirement. Thanks for the info.

Thanks for sharing this info and your spreadsheet! Very much appreciated. I still would like to retire in the Philippines.

Dito nalang ako sa USA. 81 yrs.old na ako at maganda ang health insurance. Nandito ang mga anakko. Wala akong anak sa Pilipinas.

health insurance here in The Philippines is hit or miss, I just made a video about it. cash is king here, because the insurances rarely cover entire costs and if you don’t have the cash sometimes they wont even take care of you

Thank you so much for this!

Thanks for this info - yes, it's true - health coverage is the biggest hindrance to folks in the US who want to retire. But there are options in the Philippines kung dual citizen ka.

i appreciate the detailed research on costs. mas maigi na gamitan ng ibang criteria like in real life, how well do these insurance companies process claims.kasi all look good on paper. but kahit sa US, maraming horror stories pagdating sa bayad ng claims. also compared to other western countries, US does not have univ healthcare and is profit driven. if you're indigent then it is free but if no, then it is expensive. my sense is dealing with health insurance cos. in pinas is going to be more challenging compared to US and you have to be prepared to pay out of pocket. that is the trade off for attempting to have a robust quality of life in your remaining years. aanhin naman if relatively healthy but without a sense of community and fulfillment. that is not living. so be proactive in your diet and exercise and things within your control but ultimately take calculated risks in health arrangements. nothing is ever guaranteed anyway. think of many expats doing well there, walang roots, iba walang local spouse and on a budget and okay naman. have faith.

Thanks, ate Gi! Matagal na ako naghahanap ng magandang video about retiring. Very helpful ❤

Great info for those who need it! This was one of our biggest concerns as we plan to retire in PI for good in 4 years. Fortunately for my wife & I, I'm retired USAF & can use TRICARE Overseas Program with preferred/certified providers in PI. Our co-pay if it doesn't change is currently at 25% & our annual cost currently stands at $726.00/year.

Love the edits and your voiceovers, Ate. Can't wait to see the content when you guys are back home. We're in our 30s in Los Angeles but want to settle in the Philippines in our 40s. Recently came back from PI visiting white sand beaches and BGC, and we were blown away by the modernities, excellent restaurants/beautiful malls and obviously the beautiful beaches. We really do not have those things here in the US especially with the rising cost of everything (who's going to build beautiful and modern shops in this economy?), and maybe the closest white sand beach is Mexico, the other Hawaii which does not even compare to Palawan. All the best. Hope you all pull the trigger sooner than later. Time is short. You guys should just let that compound interest work since you guys invested, your upcoming SS and sale of the house/savings. Just pull the trigger!

Thank you. This is informative specially now I will be retiring soon & been thinking of health issues.

Hi Mam Gi 🥰 Your content is always informative… Thank you for sharing… Bless your heart! 🥰

Due to insurance fraud, you still have to come up with cash up front, then claim after the services were rendered. This could take time due to documentation requirements. Make sure you have a lot of cash to cover your hospital bills because the insurance will not pay up front. Especially, when your provider is overseas.

Thank you for this info!.. I like your channel.. very informative.. keep sharing! 😊

Can't wait to go back to the Philippines! 2&1/2 yrs more until my early retirement! Thanks for sharing this important information! 😊

Thank you for sharing ❤

Thank you for researching and sharing your wisdom!

Thank you po for the helpful information😊

Thank you this is very informative. I'm retiring in the Phils. for sure. I needed this bit of info. God bless.

Thank you for doing the hard work in researching health insurance. My husband and I are in Texas, and we plan to go back to the Philippines. We are in our 60’s. Now I know about hospital stocks option which I plan to pursue. Salamat!

Maraming salamat po mam. Will share this info to my friends and loved ones

THANK YOU SO MUCH FOR THIS INFO!

Thank you Ate Gi this is very informative.

thanks, very useful info!

appreciate this video and a big help for us for our future retirement decision. I wish you well.

I’ve been retired for 18 months now been traveling around and prior retirement I’m already eligible for Medicare part A and also elected to get part B. Aside having Medicare I also kept my health insurance from my previous employment where I retired from which was J&J. So I have a very good, if not best medical coverage I can get here in the USA with very affordable co-pay for hospitalization etc. I walked 4 miles every day around my neighborhood when weather permits and currently in the best of health no prescription medication of any kind whatsoever thank the lord🙏🏻Lately, I’ve been thinking about going back in the Philippines and live there as I have everything I needed, We have a beautiful home and transportation that are paid off in the province 🙏🏻 still what worries me is health insurance in the Philippines. I will do more research on pros and cons before deciding whether to move forward. Appreciated all the info and thanks for your hard work🙏🏻

Helpful topic, thanks.

Thank you for such very informative video. God bless you always

Thank you ate Gi ❤

Thank you for your research. This is one of the deciding points for most immigrants coming back home. ❤

very informative maraming salamat po!

Even without health insurance, I think the hospitalization in the Philippines is still a lot cheaper than in the US. My brother was hospitalized at the Lung Center in QC for more than 2 weeks and his payment upon his discharge came out to only about 100,000 pesos (private room) This is the total with SC and PhilHealth discounts. I went to an EENT and their fee was 1000 pesos and with SC discount, I just paid 750 pesos. So, just set aside extra money when you are there just in case you get hospitalized. It is cheaper than paying some insurance company. Also, Medicare will cover if it is an Emergency. Pay your bill first and Medicare will reimburse you.

I appreciate so much providing us with this informative video about health insurance options. We also understand that we get insurance to cover for the medical expenses that will really get you bankrupt if you didn't have coverage .. the dreaded diseases because yung routinary expenses sa hindi malubhang sakit kaya naman i-self insured.

ang isa pa po dapat ikonsidera sa Pilipinas ay yung NAPAKAHIRAP po ng pagke-claims sa mga insurance. HINDI po siya kasing dali tulad sa ibang bansa. BUKOD SA NAPAKAMAHAL, pahirapan pa ang pagke-claims. MINSAN, patay na ang pasyente, hindi pa sumasagot ang insurance company. kaya, minsan, mas mainam pa ang may medical funds or emergency funds na ikaw mismo ang may kontrol. at galingan na lamang sa pag iinvest, para may enough passive income bukod pa sa pension. now a days naman, marami na po investment options.

Would absolutely love an update video. Hopefully you'll be able to get the hospital stock option. Thank you again!

Thank you for this helpful video. I'm like you someday my wife and I would be partially retiring in the Phlippines 6 months out of a year - every year.

Ang ganda po ng voice over nyo ate ghi,,, just came across to your channel or perhaps youtube suggested it 😊

OMG!!!! Thank you so much for this video Madam, maganda ang Hospital Stocks para sa akin .... need pag ipunan to

I like your video you clearly elaborate what is the cost difference between US and Philippines and the services.. very informative thank you.

ATE GI....."THANK YOU" for providing us with this much needed information. This is very helpful for those who might want to retire in Philippines. Your information is very thorough and makes it easier for us to decide. THANK YOU..

Thank you for doing the legwork. I am 62, retired military and we have Tricare for Life and VA but I am still intrigued by the options you have presented. Also, a lot of people focus on treatment; putting the focus on metabolic health, improved body composition (muscle-wise) and mobility will improve your quality of life in your later years. Salamat.

Thanks for sharing this informative and helpful content! Goes to show that you don’t need to deplete ALL your savings when you get seriously ill in PH. You can save up and prepare for it in advance through health insurance (if you can afford it).

The problem with health insurance in the Philippines is as you aged only few companies will cover you & if they do, the premium is sky high with limited coverage. As you aged you need medical insurance more cuz you'll have more health issues. The best medical knowledge, most up to date treatment & newly FDA approved medication are not available in Philippines.

Very enlightening thx. Very helpful still have 4 more years to prepare. 😮

Thank you so much for sharing. Are hospital stock options still available for Asian Hospital or St. Luke’s BGC?

You absolutely, right?It's so hard to make a decision if we don't have insurance to go back home.That's something we have to think about ithank you👍🙏🙏

I also looked into this...since my US health insurance or medicare covers emergency...i figured i will just need air medical transport funds to be airlifted...for other services it is quite affordable...and even cheaper if you have senior discount like we do since we're dual citizens...also i continued my SSS phils which also covers some medical expenses...

Do pushups and calisthenics all day. Practice strict caloric restriction. Sleep well. Bathe once a day, wash hands and face frequently. Brush after each meal. You'll be healthy as a marathoner, no sickness worries. Just me. Thank you.

No matter what Insurance you choose just be careful because once you already confine dame ng mga charges minsan kahit di nila ginawa ang procedures meron naka charge so please read the bills at isulat lahat ang mga tinutusok sa Inyo pati mga ekg, ecg etc. so just be very careful

Thank you for sharing very informative information in health insurance if thinking of retiring in the Philippines like me. God bless!

Thanks for sharing!

Very informative po Ate Gi! The hubby and I retired early in the Philippines late 2022 and still come back to the US for preventative care but also looking for medical insurance options in the Philippines. A friend of ours there who works for a US company has Maxicare. We will look into that too aside from your options here. Thank you!!

What is this kind of feeling na every time po na may upload kau Ate Gi at napanuod parang navivisualize ko ung future. Salamat po more power to you ma’am

Thank you for this video

Thank you for sharing Enjoy your retirement and long healthy life

Thank you. When I travel back , I get the medical travel insurance. I don’t have plans to retire back in the Philippines because my benefits are here and my husband is not Filipino however those yearly costs is actually feasible…

Thank you for sharing, great information!! I live here in the US and I will be retiring soon and planning on getting the hospital stock option. A friend of mine have that, she live in the Philippines, so if you will need that let me know and perhaps my friend and I could help.

I worked in the US for 20 years and retired at 60 years old. At this time I'm busy spending my vacation outside the country to Europe or Middle Eastern countries. I have not made a concrete plan where to retire or settle in the future. Hopefully I will be in the Philippines.

Totoo yang sinabi niyo. Malayo pa ako sa retirement, iniisip ko na mas gusto ko umuwi sa Pinas pag panahon para mag retire. The best nga yung mag stock member, pero specific lang na mahospitalize ka most likely dun sa hospital na may stock ka. Kaya dapat dun ka din malapit nakatira in case of emergency. Marami na bang mga hospital sa Pinas na may stock option? Hopefully you can make a video about hospitals with stock options.

Thank you so much for this. I hope there is something for other ages, like 50 or 50 years old. For some relatives in the Philippines.

Thank you so much for this very good info. Eventually, i'll be retiring in the Phils. couple of years from now. I'm not familiar with this Stock Option but for me, this is a good choice. Ms Gi, may i ask a question ; the benefits you mentioned in Stock Option is attractive, is it the same w/ other big hospitals nationwide or only in Manila? Thanks again. Good luck & Stay healthy. God bless.

Very informative thank you for sharing po 😊

Wow thanks for covering this topic. I wonder if the hospital you chose will balance bill you kahit may contract na sila sa health insurance sa Pinas?? You, know it is not like in the US once they contract agreement sa health insurance eh di pwedeng mag balance bill except for expected co-payment ng patients, which is an agreement between health insurance and insurer. I think this is a good question na need itanong sa insurance company before the surprise bills from the hospital.

If you have a serious medical emergency and you are brought to the best hospital in pinas, your insurance won't be enough. If you have a chronic medical condition you'll know pretty much as to how much you'll be spending on maintenance, tests and check up every month to keep you well and alive while in pinas.

This is exactly the reason why I’m staying put in Canada and just visit to PI once in a while. Canadian healthcare has it’s own issues but I never had to worry paying anything everytime I get admitted and I don’t want to bother with insurance in PI. I also like the North American lifestyle but if I slightly do the same lifestyle in PI but surrounded by poverty I can’t for the life of me be able to stand it. Imagine driving in a car in a hot weather and see homeless everywhere and I can’t even help to make their life better. It’s a sad reality, I wish I’m rich so I can setup a homeless shelter in PI even just a small carinderia to feed people.

This is very informative. It is making me rethink about retirement altogether. I am 100% in agreement commenting that HEALTH is wealth. Stay healthy to avoid this astronomical cost of medical insurance. However, why it is called insurance because we never know what will happen at the end of the day, we need to love ourselves by staying HEALTHY ❤

Blessed to have found your youtube channel po 🩷 God is good 👏

Actually, health insurance is the number 1 consideration if we plan to retire sa Pinas. Thank you for the info. Will help me convince my husband😀

Salamat Ate Gi!

I also researched that Life insurance with living benefits can be useful in the Philippines. If you are not able to do the 5 daily activities, they can provide you monthly cash benefits based on your coverage. It covered chronic conditions, cancer, or any injuries that cause for you not to do the 5 daily living. Also, if you have flex spending account from fidelity you can use this as well for your medical expenses even if the clinical situation happened 4 yrs ago.

Ms G yung Pacific Cross po may 65+ - kasi sa ph until 65 you can get the lower priced even at other vendors. pwede po ba niyo to ma cover

Ate, nag binge watch ako sa mga videos nyo, am a subscriber na and nurse too here sa Texas, 2 grown kids too

Thanks for sharing this! Just a random question po, what’s your camera? 😅Can’t help but appreciate your video editing and quality of the video. Thanks in advance!

Woowww ate Ge ganda talaga boses mo nakaka relax at feeling ko nasa amerika din ako😅❤❤❤

Ms.G, thank so much for your input about health insurance coverage when planning to retire in our homeland Philippines. Since you have mentioned some of insurance companies that doing business in our country I would love to know if we can use such insurance to any private hospitals around the country

Thank you for your video. Is this Pacific Cross International or Pacific Cross Philippines ?

was wondering you said We can buy hospital stocks so we can avail of discounts.. Do you know which hospital are selling their stocks how much and where to buy them. Thanks again planning to retire in 2 years from Chicago

What a treasure of information. I am desperate for this because I plan to go home and my Illness is incurable. I’m on a clinical trial here and eventually I might run out of option. So my main concern is of course health insurance. I wish I could carry my Medicare and my Supplemental Paln the. But your Video gave me hope. Question- the prices are annual fees? I know that the way the work might not be perfect but to have those coverages and even if you might have to pay some upfront will be a big relief for me. I want to spend my last years with my family so your Video was Godsend. Thank you so much for a timely information. God bless!

Your editing is amazing. Do you have a Hollywood team lol? The slow camera walk is perfect for old guys like me.

Are all this one time payments or just the one with stock options? Thank you po.

Try out Paramount insurance. We got one for my mom nasa 70s na xa. Reimbursement basis ung set up you can pay quarterly monthly or annual. Quarterly payment is P2100++. All HMOs here do not cover 60 yrs old above. All you mentioned are too expensive po.