A great inevitability of life is that our body tends to be more prone to diseases and health risks as we age.
Various medical institutions tend to emphasize this fact, and it is a main selling point among many health insurance companies. For this reason, senior citizens are encouraged to be more responsible for their health. They are advised to take better care of themselves by performing exercises appropriate to their condition, having regular checkups, and minding what they eat.
Unfortunately, senior citizens are often deterred by exorbitant medical fees and expensive hospital costs, considering that most of them are relying on their pensions and retirement funds. However, this does not always have to be the case—especially in the Philippines. Should there be any need for medical checkups, hospital confinement, and other healthcare needs, seniors can take advantage of their PhilHealth benefits. While most seniors are aware of the standard twenty percent discount in hospitals, there may be benefits that they are uninformed about. So, as a senior citizen of the Philippines who regularly made contributions to PhilHealth while employed, what benefits do you have? And how can you process your claims?
To find out, read below:
PHILHEALTH BENEFITS FOR SENIOR CITIZENS
a.) Inpatient Benefits
PhilHealth’s inpatient benefits allow a certain amount to be deducted from the total of a senior citizen’s total private hospital bill. Hospital bills typically include hospital charges and the doctor’s fees, and the amount to be deducted (which varies on a case-to-case basis) depends on the patient’s condition or disease.
b.) Outpatient Benefits
Senior citizens are also entitled to outpatient benefits which include hemodialysis sessions, radiotherapy sessions, and outpatient blood transfusions, which senior citizens suffering from cancer or kidney ailments can take advantage of. Apart from all these, senior citizens are also entitled to TB-DOTS Package, which is worth Php4000, Animal Bite Package, worth three thousand pesos, and the cataract extraction package, which is worth Php16,000. Lastly, elderlies may also avail of the primary care benefits 1, otherwise known as the TSeKaP (Tamang Serbisyo para sa Kalusugan ng Pamilya).
c.) TSeKaP (Tamang Serbisyo para sa Kalusugan ng Pamilya) Benefits
TSekaP Benefits is a program that includes preventive befits such as regular BP measurements, smoking cessation counseling, digital rectal examinations, and lifestyle modification counseling. Other diagnostic medical examinations such as urinalysis, chest x-ray, fecalysis, fasting blood sugar, lipid profiling, and sputum microscopy.
d.) No-Balance Billing Policy
Senior citizens confined in accredited public hospitals will be able to avail of the No-Balance Billing Policy (NBBP). This means that senior citizens in public hospitals no longer need to pay anything upon discharge. However, this is subject to some rules and is typically done on a case-to-case basis.
e.) DOTS (Directly Observed Treatment Short-Course)
Senior patients who require first-line drugs or anti-retroviral treatment for any HIV/AIDS-related diseases may avail of the DOTS package. The package includes diagnostic exams, consultation, and prescription medicines provided that seniors visit a PhilHealth-accredited DOTS center in their vicinity.
f.) Z Benefits Package
Senior citizens who are diagnosed with diseases that are medically and economically catastrophic need not worry. While these diseases require senior citizens to undergo long-term and expensive treatments, they can make use of their PhilHealth benefits. With PhilHealth’s assistance, the potential financial blow will not be as exorbitant as it would be without the coverage. Diseases that are covered under the Z package are:
- Early stages of breast cancer
- Standard risk for coronary bypass graft surgery
- Early stage of cervical cancer
- Prostate cancer with low to intermediate risks
- Acute lymphocytic/Lymphoblastic Leukemia with standard risks
- Z morph external lower limb prosthesis: Initial prosthesis from knee down (left, right, or both)
- Total Hip Prosthesis, cementless
- Kidney Transplantation for End-Stage Renal Diseases (Low Risk)
- Partial Hip Prosthesis (bipolar)
- Implants for Hip Replacement: Total Hip Prosthesis cemented
- Implants for Fractures around the Hip (Multiple Screw Fixation)
- Compression Hip Screw Set
- Femoral Shaft Fractures (Intramedullary Nail with Interlocking Screws)
- Proximal Femoral Locked Plate
- Locked Compression Plate (LCP: Broad/Metaphyseal/Distal Femoral)
HOW SENIOR CITIZENS BECOME PHILHEALTH MEMBERS
1.) Lifetime Members
People aged 60 and above or retired senior citizens who paid no less than 120 months of contributions are lifetime members. Also, it is worth noting that lifetime members get a free lifetime coverage premium. This means that there is no longer a minimum payment requirement for them to claim their benefits.
2.) Automatic Members
With the Expanded Senior Act or RA 10645, all senior citizens who are aged sixty and above are considered PhilHealth members automatically—even if they did not pay for monthly contributions. These non-paying senior citizens also get a free lifetime coverage premium like any lifetime member.
BOTTOMLINE
As a senior citizen, availing of PhilHealth benefits can be a huge help to defray medical costs and lessen pecuniary burdens—especially in times of prolonged hospitalization. That said, one of the best courses of action to take is to research the various aspects of your medical needs and how government institutions can aid you.
5 Comments
Your comment is awaiting moderation.
The information provided is appreciated. How can seniors avail of the benefits?
Your comment is awaiting moderation.
Where and how do we avail of the benefits. Procedure?
Your comment is awaiting moderation.
Keeping shopping centers in retail complexes tidy and tidy is important for bringing in customers and providing a pleasant shopping experience. Frequent power washing makes sure that walkways, and walkways are kept rid of dust, stains, and gum. A neat and in good condition mall provides a appealing environment, attracting visitors to stay longer and purchase more. Moreover, neat common areas reduce the risk of slips and falls, boosting overall safety for customers. By implementing regular power washing, mall operators will maintain a high level of tidiness and appearance, resulting in increased customer satisfaction and return visits. If you’re curious, take a look at my residential and commercial high-pressure washing services website to find out more.
[url=https://mysppw.com/sausalito-ca-residential-commercial-pressure-washing/]Patio & Balcony Wash in Lake County, also Elk Grove CA for commercial busses[/url]
[url=http://acosoescolarmexico.mex.tl/?gb=1#top]Readying Business Premises for Painting[/url] 64a05b1
Your comment is awaiting moderation.
Frequent power washing will boost solar performance by removing grime, and other pollutants from solar arrays. This straightforward upkeep task can boost panel efficiency, making sure that solar units work at peak efficiency and create the highest output. Grime and grime may form a layer on the photovoltaic units that blocks solar rays, lowering their capacity to produce energy. By keeping solar arrays clean, property owners will maximize their gains in green energy and decrease their overall energy costs. Moreover, neat solar panels are less likely to get too hot, which might increase their lifespan and maintain their efficiency over a period. If you are interested, feel free to check out my residential and commercial high-pressure washing site to learn more.
[url=https://calipressurewashing.net/residential-commercial-pressure-washing-in-marin-ca/]Sidewalk & Driveway pressure Washing near Dublin for commercial busses[/url]
[url=https://menucloud.co.kr/restaurants/225]Preventing Wear to Commercial Building Facades[/url] 0168720
Your comment is awaiting moderation.
Why Recruiting One State Welfare Incapacity Lawyer Turns Out to Be Crucial.
Employing The Social Security Inability Legal Professional Proves to Be Vital.
The Supplemental Security Income Runs various initiatives from layoff benefits to public support, and also administers incapacity remuneration for citizens incompetent to carry out tasks due to persistent health issues or trauma. As with every single complicated body, there are guidelines and policies which must be abided by by the aforementioned bureau in arrangement to obtain advantages. Exploring the option of a Skilled counsel for Supplemental Security Income Is important.
Enlisting a skilled SSDI counsel can support you manage the challenges of Social Security Administration SSA, improving your possibility of sanction for perks. They will guarantee that your request is filed accurately and includes substantiating medical evidence; in addition, they understand how to gather this evidence speedily so it is not presented late; in addition, they can avoid supplying irrelevant data that could lead to holdups and dismissals by the Services for Secure Aging.
Your disability consultant will also prepare you for a hearing with Social Security Administration if your claim is refused, by summarizing what to foresee at it and responding to any of your concerns about what happens there. They may assist with offering additional evidence and seeking the judge who heard your case to inspect their decision and question witnesses or vocational authorities called by Social Security to testify on your behalf, which can raise the chance that an early appeal for disability is successful if at first denied. Attorneys specializing in social security disability will retrieve any past due perks due to changes in the starting date, which signifies when your ailment began. Effective disability supporters might support with winning back any past due privileges that would have been lost attributable to changes in the starting date or when your state began.
[url=https://disabilitysacramento.com/doctors-letter-with-proper-diagnosis/]Qualifying for Social Security Disability requires a thorough examination of how your conditions impact your ability to work[/url]
[url=https://hohoeminosato.com/pages/3/step=confirm/b_id=174/r_id=1/fid=27f8502a018f202d064da64fbc7331e8]Why You Need a Counsel Skilled in Disability Matters on Your Team[/url] 0c2dee8
Your comment is awaiting moderation.
Practicing Your Electronic Gaming Adventure: Tips and Hacks
Video Gaming becomes more than just a leisure activity it is a passion! To genuinely master your gaming adventure, it becomes crucial to dedicate attention on enhancing your setup and choosing the correct peripherals. Start by verifying your gaming environment is orderly and uncluttered. A tidy area helps you keep attentive and enhances your overall gaming experience.
Next, consider investing in top-tier gaming peripherals such as a reactive electronic gaming mouse, a tactile keypad, and a relaxing, supportive stool. These tools might significantly affect your gaming session, providing better command and reducing fatigue during long sessions. Furthermore, ensure your screen remains positioned accurately to avoid eye strain and boost clarity.
Keep in mind about software enhancement! Ensure your software components and play application up-to-date to ensure peak abilities. Adjust your in-game settings to harmonize graphic quality and presentation, adapted to your machine’s capabilities.
In the end, look after your own well-being. Frequent pauses, appropriate posture, and sufficient hydration become essential for maintaining your health and electronic gaming abilities. By complying with these advice and hacks, you will turn out to be rightly on your way to excelling at your electronic gaming adventure and savoring every instant to the fullest.
[url=https://gspanel.net/showthread.php?tid=28]Upgrading Your Gaming Setup By Adding RGB Keyboards[/url] 20e0c2d
[url=https://gamingsbest.store/product/oem-profile-pbt-keycaps-108-keys-pudding-keycap-for-cherry-mx-switch-mechanical-keyboard-kit-rgb-gamer-backlit-keyboards-switch/]Furgle ACE 4D Armrest Gamer Chair[/url]
Your comment is awaiting moderation.
In today’s uncertain society, protecting your assets is crucial to ensure a sense of security. An essential the best ways to secure your belongings is by putting resources in a premium safe. From vital documents to cherished jewelry, a safe provides a safe storage solution for items of considerable value.
One of an essential consideration to consider when acquiring a safe is its extent of security. High-security safes are equipped with advanced locking mechanisms, such as biometric scanners or keyless entry systems, to deter unauthorized access. Additionally, the construction of the safe plays a vital role in its security features. Look for safes made from strong materials like steel or metal, which offer protection against manipulation and break-ins.
Regular maintenance of your safe is also essential to ensure its continued effectiveness. This includes periodic inspections to check for signs of wear and tear, as well as lubricating the locking mechanism to keep it working smoothly. It’s also vital to keep the interior of the safe clean and clear from dust and debris, as this can affect its performance over time.
Furthermore, consider the placement of your safe within your home or business. Choose a location that is undetectable yet easily accessible for authorized users. Avoid placing the safe in areas prone to flooding or severe climate, as this can affect its contents.
In conclusion, owning a safe is not just about having a secure place to store your valuables; it’s about taking proactive steps to protect what matters most to you. By committing in a premium safe and properly maintaining it, you can ensure the safety and security of your belongings for the long term.
[url=Commercial safes Scottsdale]https://mercurylock.com/about[/url]
Your comment is awaiting moderation.
Explore Sustainable Travel with Electric Unicycles
Exploring sustainable travel options is vital for reducing environmental impact, and battery-powered unicycles provide a viable solution. These vehicles produce zero emissions, rendering them an eco-friendly alternative to traditional gas-powered vehicles. By picking electric unicycles, riders contribute to cleaner air and a reduction in carbon footprint. The energy efficiency of battery-powered unicycles is another significant advantage. They consume less electricity compared to larger electric vehicles, turning them cost-effective and environmentally friendly. Charging an e-unicycle typically demands less energy, which translates to lower electricity bills. Additionally, the compact size and lightweight design of battery-powered unicycles turn them suitable for urban environments. They can effortlessly navigate through traffic, reducing congestion and improving overall traffic flow. This not only saves time but also decreases fuel consumption for other modes of transport. Many cities are recognizing the benefits of battery-powered unicycles and are incorporating them into their eco-friendly transport strategies. Infrastructure improvements, such as dedicated bike lanes and charging stations, further support their use. For individuals, adopting battery-powered unicycles for daily commutes and short trips promotes a more green lifestyle. This shift not only benefits the environment but also delivers personal advantages, such as cost savings and health benefits from increased physical activity.
[url=https://bestunicycles.online/product/begode-mten3-electric-unicycle-one-wheel-scooter-self-balancing-vehicle-10inch-420wh-800w-motormax-speed-40km-hwight-10-8kg/]2021 New Begode GotWay Mten3[/url]
[url=https://www.forumdiagraria.org/razze-italiane-f86/choosing-the-ideal-cycle-for-your-life-t131191.html]Choosing the Ideal Cycle for Your Life[/url] 6964a05
What is the maximum benefit of a senior citizen confined in a private hospiral.
Sir,
I would like to ask, what are the coverage for seaman who has been member of philhealth for over 25 years?
I’m senior citizen age 60 and still in govt.service.can I stop my phil health contribution?
How & where can a Sr. Citizen (age 79) of FREE Cataract Surgery? What are the requirements? Retired resident of Parañaque.
Are senior citizens who are employed exempt from payment of Philhealth contributions?