Live in the Philippines

Live in the Philippines helps expats with visas, moving and other services regarding the Philippines.

2017 PhilHealth Update

Health / by

I get a lot of questions about healthcare coverage in the Philippines.  The majority of questions that I get are related to PhilHealth, the Philippine Government Healthcare Insurance plan.  Today, I thought that I would update a few things about some changes coming in PhilHealth, and other information that has been around for a while, but still present constant questions that arrive in my inbox!

Changes in PhilHealth?

Yes, changes are coming to PhilHealth, and not good ones for most readers of this site.  The vast majority of readers here are foreigners who plan to visit or live in the Philippines.  The changes that are coming with PhilHealth are directly pointed at foreigners.

All foreigners can get PhilHealth

Starting a number of years ago, as I recall it was around 2010 or shortly after that, it became possible for all foreigners to get a policy for PhilHealth.  That is still in effect, and whether you plan to come to the Philippines for 2 weeks, 2 years, 2 decades or any other length of time, you can get covered by PhilHealth.  Frankly, if you are coming for a short vacation, like the 2 weeks that I mentioned, though, you would be better to get a travel insurance policy that will cover health care expenses.  For those staying longer in the Philippines, though, and particularly for long term residents, PhilHealth is a good value.  Even though pricing is going to be changing, it will still remain a good value.

No matter if you are married to a Philippine Citizen or not, even if you are single and visiting the Philippines for the first time, you qualify to sign up for PhilHealth.  All you need to do is go visit any PhilHealth office and fill out an application for coverage, and pay your fees.  There is no medical exam or anything like that.  Sign up, pay, and you are covered.

Price going up?

As I mentioned previously, the premium cost of PhilHealth is going to be increasing for foreigners. In the past, the cost of PhilHealth has been P200 per month (P2400 per year) to cover the entire family.  Imagine that, $48 per year to cover an entire family for healthcare?  That is dirt cheap.  But, nothing lasts forever, or so I have been told.  When the coming PhilHealth changes roll out (I have been told it is June 1, 2017), foreigners will no longer be eligible to be covered as a dependent on their spouse’s policy.  Instead, foreigners will need to sign up for their own policy and the premium will be P18,000 per year.

Complaining

I have gotten a lot of complaints from other expats who already heard about the coming changes. I understand their disappointment, and why they are upset.  However, if you step back and look at things from a distance, you can realize that P18,000 is equivalent to US$360 at today’s exchange rate.  Paying $360 for a full year of healthcare coverage is still dirt cheap.  Yeah, it is not as good as paying $48, but it is still a good value.  Personally, I will pay the new rate without complaint.

No more Z Package

Z Package from PhilHealth

The Z Package is something that is relatively new with PhilHealth.  Last year, the Z Package saved my life when I had a problem with my heart.  I needed a quadruple bypass operation to save my life. That operation costs about P2 Million in private hospitals in the Philippines.  That is about US$40,000.  However, we learned about something called the “Z Package” that is offered by PhilHealth.  Under this Z Package, they offer care for very serious and expensive medical conditions.  Things like Cancer, Organ transplants, Heart Surgery, etc.  My experience is with with the Heart Z Package, and under that plan, each patient has the option of paying:

  • P350,000 for the surgery and will be staying in a private suite in the hospital.
  • P250,000 for the surgery and will be staying in a smaller private room in the hospital.
  • P100,000 for the surgery and will be staying in a ward with multiple patients.
  • Free for the surgery and will be staying in the ward.

I selected the P250k package, as I did not care about having a suite, and treatment is the same under all options.  I was very happy with the Z Package and all of the care that I received under the package.  It saved me P1.75 Million in medical costs, and frankly saved my life.

Unfortunately, under the new PhilHealth regulations, foreigners will no longer be eligible for Z Package benefits.  This does upset me, really it saddens me.  I am alive from the Z Package, and I feel that if we pay the premium we should be eligible for the same coverage that all other premium payers are getting.  Especially when we are paying a MUCH higher premium.  As it stands right now, we will be paying a hugely larger premium, but getting less services than others.  I feel that is not right.

The bright side

I feel it is unlikely that I will need the Z Package again, but you just never know.

My first reaction when I heard this news was that the Z Package would be going away for foreigners is that I started thinking of possibly moving back to the USA.  After my serious health problems that I experienced in 2016, health has become a very big concern for me.  I spend a lot of time trying to improve my health (I even have a new blog called 430 To Fit which is all about health).  However, after I stepped back and considered the entire picture, I decided that I was over-reacting.  I feel that many expats who know about this are also over-reacting.  Yeah, it is not good, and is not right that we will be getting less benefits for a lot more money, but the value is still good.

The fact is that I lived here for about 16 years before I even knew of the Z Package, and many of those years there was not even such a thing as the Z Package.  So, why would I consider moving because the package will no longer be available to me?  Truth is that I am just very thankful that it was available to me when I badly needed it.

Other options

For foreigners, no matter where you are from, there are other options available to us in the event of a catastrophic health event.  I know, because I considered a lot of options last year before settling on having surgery here in the Philippines.  You can even stay in the Philippines for care, and get a Blue Cross Philippines healthcare policy.  It is not cheap, but you can do it.

For Americans, we can go back to the USA and sign up for Obamacare (ACA) – although with the new President changes will be coming, and we don’t know what will be happening for sure.  If you are an expat who has been exempt from ACA, you can go to the USA and sign up anytime, you do not have to wait for the enrollment times.  You can get off the plane, sign up, and go have your medical procedure taken care of.  Since pre-existing conditions are not a worry under current US healthcare policy, even if you had a heart condition like I had, you could still sign up and get it taken care of.

For other nationalities who live in the Philippines, you would need to look at your own country’s healthcare system to see what options would be available to you.

Get PhilHealth

I want to encourage every person who will be spending considerable time in the Philippines to sign up for PhilHealth.  Even with the higher premium it is still inexpensive when compared to other parts of the world.

A lot of foreigners complain that Philippine Hospitals will not treat you unless you put up money in advance.  Truth is, though, if you have PhilHealth coverage, that is your ticket to getting treated.  If the hospital accepts PhilHealth (they all do now), they must treat you as long as you have PhilHealth coverage.  Say it is a holiday and you have no access to the money in the bank (ATM is not working), if you have a serious health condition suddenly, you can get treatment if you have PhilHealth!  That peace of mind is worth the P18,000 per year that it will cost for the coverage.

How much does PhilHealth Pay?

There is really now way to give a hard and fast answer.  The amount that they pay varies depending on your condition.  They have a schedule of how much is paid depending on what the diagnosis is.  Generally, if you are hospitalized, you can expect that about 50% of your bill will be paid by PhilHealth.  But, it varies.  I have also had some medical treatment that was paid 100% by PhilHealth.  Additionally, I have had treatments that were paid as low as about 25%.  If the money is an issue, talk to your doctor and make sure that he knows how PhilHealth works.  He can admit you into the hospital with the diagnosis that pays the most.  In other words, there are multiple diagnoses that can cover the problem that you have, and they may pay different amounts.  This is very common.

For example, a few years ago I was in the hospital with a very bad infection.  If my doctor listed my diagnosis as “infection” the PhilHealth would have paid one amount, but by putting my diagnosis as “Infection related to Diabetes” (which was true), the amount paid was much higher.

Hospitalization

PhilHealth is generally for medical treatment that requires hospitalization.  It does not cover things like visits to your doctor’s office.  I have had some outpatient treatments, though, that PhilHealth covered, and they are expanding what is covered, so always check.  If you will be hospitalized, though, and you are a PhilHealth member, you can be certain that there will be some coverage.

I have heard complaints from some about the fact that PhilHealth does not cover visits to the doctor’s office.  Why complain or worry?  Most doctors charge about P500 or so for an office visit, that is only $10, so it should not cramp your budget much.

So, these changes are coming!  Be ready.  I know some of this will be shocking to some foreigners.  I have already heard from many people who are outraged by it.  But, if you step back and look at the big picture, I think you will agree that although it is not right, it is still cheap.

Good luck!

Reader Interactions

Comments

  1. Bob can a foreigner get Private (non-government) insurance in the Philippines? What are the costs and will it cover you for major medical event like yours?

    • Hi Tim, yes, as I said in the article you can get private coverage through Blue Cross Philippines. I don’t know the exact price, and it also would depend on your conditions, your health test, everything just like the US to price would vary. I will tell you though that it is quite expensive.

      • calling Pacific Cross now Bob and i have that and for 7000 pesos i donr have to pay anything at the Hospital so i stop with Philhealth just keep pating for my asawa 🙂 its only 2400 volontary

          • no problem off course it depends on youre age the fees you have to pay but the only insurance that is covering you till you die sry for that and more expensive the older you get but at 65 dollar plan for around 1600 dollar and 1 500 000 pesos covered

          • Hi Bob! I’m Marlou, a senior Account Executive of Pacific Cross Philippines, formerly Blue Cross Philippines. First of all, I would like to thank you for promoting our products and services. I just want to know if I could be of any help to you or to anyone from your site and your subscribers in providing necessary information about Pacific Cross. You may contact me thru my email [email protected] I’ll be glad to assist you. Thanks

  3. Bob, the premium change (for foreigners) doesn’t surprise me. Sounds similar to the official government policy of not allowing foreigners to have a “Senior ID” simply because they are foreigners. I’m not aware of any other country that treats foreigners like this. We live here, pay house taxes, house/car insurance, VAT, etc and should be treated the same as locals. But this is the PI and after 48 years of living/visiting here I understand that’s the way it is and it often doesn’t do any good to complain. Glad I’m retired military and have Tricare — it works great here. Cheers. Al

  4. Thank you for the heads up and information. I looked into private insurance a while back and what I found for my age group was very expensive ( not worth the cost) instead of a few hundred per year they wanted several thousand per year. So I will stay with the Philhealth

  5. As a visitor for only a few weeks at a time I always buy travelers insurance which covers many things including temporary health insurance. From what I have learned of Philhealth over the past decade, even with the increases it still appears to be a bargain compared to medical insurance costs in the USA.

    • I agree that it will still be a bargain, and I have no intention of dropping the coverage. However, there’s also the fact that it is very unfair to single out people, make them pay more, and get less coverage. I have been a subscriber to philhealth for over 16 years now, always paid my premiums comma and have even promoted them on this website. I just don’t think it’s right the way that they are doing, but like I said, I will still keep the coverage.

  6. Am I correct Sir Bob that I will have to get an ARC to apply for Philhealth? Also, the new discriminatory rules do seem unfair and at odds with a country which would benefit from having foreign money here. More worrying is the trend towards ever-increasing restrictions on foreigners when a bit of relaxation would be more helpful to BOTH SIDES. Foreigners here should start researching the options for returning home should things get too bad – live the present but prepare for the future.

    • Hi Steve, I really don’t know what an ARC is, I’ve never heard of that. I suspect that you’re asking about an ACR I card. If my suspicion is correct then no, you do not need to get one. As I said in the article anybody can get philhealth, even if you’re just a tourist here for a couple weeks. All you needed to go fill out an application and pay the money. I hope this helps.

      • Just checking you are ‘on your toes’ Sir Bob’ with my (uhmmm) deliberate mistake! I will ask about the need for ACR and let you know if I have problems. Thanks.

  8. I got a quote from CIGNA it was about $900 a month and would include 3 months a year in the states for me and my family. If I had similar coverage in the states the cost is $1400 with no deductible and 100% coverage… I wonder if you can get PhilHealth and some kind of gap. Insurance that a covers the rest?

    • Wally you said, “That includes 3 months a year in the States?” Who pays for the 3 months? Who pays for the airfare?

    • I have heard a lot of that, Jason. If somebody can’t afford 1500 per month for healthcare, they probably need to look for some solutions to that. It’s still very cheap compared to what they would be paying in their own countries. That’s the way I see it anyway.

    • 1500 pesos a month? My co-pay equals that with my Blue Cross policy in the states and i have a $750 deductible, and a 2k family deductible and that is considered a premium policy

  10. Bob, I disagree with your analysis and conclusions regarding the fairness of the upcoming increase in PhilHealth payments for foreigners. Most forreigners are not like you. We come here when we are 60 plus, just the age when our health care costs start to escalate. Then we marry, our wife delivers babies (expensive), our children go through childhood illnesses and accidents (expensive), and then they often go to our home countries for university and work – just when health costs are low for 20 – 60 year olds. Only our wife is low cost to the system. Yes, PhilHealth is a great deal for us, but conversely we are a huge drain on the system. Why shouldn’t we pay our way? As for you, yes, you have been paying in 2,400 pesos per year for your family for 16 years. Then, your operation cost PhilHealth 2 million minus the 250k pesos you paid. This is a monumental cost shouldered by the Philippine taxpayers. Why should they do this? Even at $380/year, my bet is that we will be getting a huge subsidy for our health care, especially if you add in our kids.

    • I can’t figure out what we disagree on? I specifically said many times in the article that I am happy to pay the cost of they are asking. So where do we disagree?

    • Foreigners should not be charged more in the states that is discrimination and any company that engages in it can expect a class action lawsuit. If someone needs to pay more because of health factors that is reasonable not because they have white skin and some filipino thinks they poop money.

    • That is how I feel Wally Barr. I don’t have a problem paying the price that they’re asking, but, on the other hand, if the United States announced a policy that all Filipinos could no longer get Social Security, or medical care would be triple for all Filipinos, that would certainly be met with an uproar. It’s basically the same thing that’s going on here, we’re being charged much more, and our benefits are slashed. Sure, the amount after is not too much to pay, it’s actually still cheap, but it is unequal.

    • I really went back and forth on the issue for a long time, several years. I never became a Philippine Citizen though, I just didn’t want to give up my United States citizenship. So, no, I’m not a Philippine citizen.

      • For one thing, you don’t have to give up your US Citizenship by Naturalizing to another. That issue has been resolved by the US Supreme Court by 3 or more cases and has been so for at least the past 30 years. On the other hand, it’s not so simple to Naturalize as a Filipino Citizen, though I think Bob has indeed met the tougher requirements. Namely the resident requirement and the ability to speak one of the native languages. Personally, I don’t think it’s worth the trouble.

        Bob is certainly right about the value of PhilHealth, even after the changes coming. Personally I am still covered by the Medicare Supplemental that is provided to me by Boeing as part of my retirement settlement. Unlike Medicare, it covers my medical expenses abroad.

        • Ron, I am not going to argue about the citizenship issue. It is a point of contention among people. Philippine law specifically requires renunciation of citizenship in order to become a citizen here. There are ways that you can weasel your way out of it, but I feel that if I were to become a citizen I don’t want my first act to be to break the law of the country of which I am becoming a citizen. Others can do what they want, but that is how I feel.

    • No, I thought about doing that for a long time, but in the end I didn’t want to give up my u.s. citizenship, so I never became a Philippine citizen.

    • I believe that it will, yes. From everything I’ve read that seems to be the case. However, if your dependents go on your policy, they will also have limitations to their coverage just like we do. If they sign up for their own policy, and 2400 pesos per year, they get the full package then.

  13. bob it less for guys who under the retirement visa 15,000 a yr and it July 1 not June also any body want to give suggestions here is the email address to do as nothing in concrete yet [email protected] attn William O Chavez Regional Vice President a good one what if you have paid already for the full year for 2017 what happens also if you are a new member and not cover under the wife does that start you all over will no cover reach also the family do that start a new also your limit in hospital days for the whole family for the 2017 year I was told they want to hear from us to make changes. As i went to there main office at the Golden Pick hotel in Cebu, last week then to see a supervisor o the 4 floor

    • Yes, the SRRV guys give a bit better deal, but I did not mention it, because it is such a slight difference, I did not consider it a major thing.

      I have actually paid 3 years in adavance already (2017, 2018 and 2019) and was required to do so as part of getting the Z Package heart surgery last year. It is a small amount of money, though, and will still cover my family for those 3 years, so I don’t have a huge problem with it.

    • Yes, the SRRV guys give a bit better deal, but I did not mention it, because it is such a slight difference, I did not consider it a major thing.

      I have actually paid 3 years in adavance already (2017, 2018 and 2019) and was required to do so as part of getting the Z Package heart surgery last year. It is a small amount of money, though, and will still cover my family for those 3 years, so I don’t have a huge problem with it.

    • but Bob it under your wife? If so the way the lady told me unless they make changes all you paid and i have paid will mean nothing and we have to pay again for 17 how do you see that

    • We can no longer be dependent under our wife’s policies. We will have to get our own policies. That is the new policy of philhealth. In my case, we paid three years in advance, which was required in order for me to have the Z package for my surgery. I will no longer be able to be covered on that 3 years come I will have to get my own policy for that. However, my wife and children will still be covered by the money that we paid, so it’s not a big problem for me.

  14. Hi Dave – I am 100% with you! For $1 per day, you can’t go wrong on PhilHealth. Yeah, I wish the price was remaining the same, but I hdon’t have a big problem, or really any problem paying what is being asked.

    • Hi Bob, I was wondering as a foreigner getting my own Phil-health policy on July 1st and not being eligible for z package benefits. Should my Filipino spouse and child stay on their separate policy than mine so they are eligible for z benefits. My wife and kid are Filipino Americans. If they are dependents on my foreigner Phil- health policy are they not eligible for Z package? Do I just get taken off as a dependent from my wifes policy? Do we have to have 2 separate policies or have them put on my foreigner policy with reduced benefits for them also? Your thoughts on this would be appreciated. Thanks Steve

      • Hi Steve – If your spouse and child go on your policy they will not be available for Z Package. If they have their own PhilHealth (assuming they are Filipinos) then they will have full coverage if they use their own policy.

  15. Bob Great Article (As always),
    My situation is this, I am retired U.S.Navy and thus covered under Tri-Care and my wife and I are both Senior Citizens and thus she automatically qualified for free PhilHealth with me as her dependent. We both had medical situations 2016 and we both used our TriCare & PhilHealth. Question? How does the new regulation effect our situation? Will it differ for someone older than “60”? Thanks and stay healthy. . .

    • Thank you Terry, I read the memo from philhealth, and the way I understand it, if you are a foreigner, over 60, you still qualify for free philhealth. However, you will not be a dependent of your wife, that is not allowed anymore. You will have your own free policy. You will also be subject to the limitations that are being put on foreigners, with no Z package available. This is how I understand it, based on my reading of the memo. I’m sure if it’s any different, we’ll be hearing about that soon.

    • Yes, it really did help me a lot. I appreciate everything my friends did to help. It covered the cost of the surgery, and some other things, but there have been a lot of other costs involved to that it didn’t quite cover but that’s okay.

  18. I wonder why the desk employee at Philhealth today told me the new premium for foreigners would be 900 pesos per quarter….i can only hope it’s true…

  19. More Philippine confusion, wife has just been to Tagum Philhealth office and they say there is no change as I am already registered. So its a wait and see game by the sounds of it.

  20. Then BOB, as you currently know as per your advice from them – As a 75 year old SRRV holder who is currently covered under my wife’s Philhealth Senior Citizen Policy which is free of any premium cost I would be now be AGAIN required to effect my own coverage – Would this be cost free of the yearly premium of P18,000 ? Also if not free is there a discount or proposed separate plan for SRRV holders ?

    • According to the memo from philhealth comma srrv holders are at a reduced price, 15000 pesos per year. It also says that foreigners over 60 years of age qualify for free philhealth. So, at your age I would suspect that you would have free coverage. I would recommend that you check with Phil Hill first, don’t just take what I say. It is pretty obvious that implementation on this is varying from place to place, so make sure of what your area is doing in this regard.

      • I don’t understand that statement at face value, I’m 68 and have Phil health, what about me? I’ve had it and I’m still paying, what’s up, I’m confused. I’m on a tourist visa but pretty much here permanently.

  21. The over age 60 appplies to Filipinos only. Expats will have to pay the 18,000. begining July 01

    • Hi Jon – that is also what I expect. However, it is not the way the PhilHealth Circular reads. Here is what it says on this topic:

      All foreign nationals are qualified to be covered under the Lifetime Member
      Program of the NHIP once they have reached the age of 60 and have made 120
      monthly contributions.

      • Then, we should all go and give them the 120 payments to avoid the increase, is that possible.

  22. We went to Philhealth yesterday as my wife AGAIN forgot to pay the annual premium in January.Well that is done but according to the girl at the phil health office my coverage as dependent will only last until July and then I would have to get my own policy. It was her understanding that the over 60 applied to Filipinos only. But she also said there was a lot of misunderstanding and that hopefully by July it would all be clarified. I have use Phil health twice and think it is well worth the money. Sure I hate to see the premiums go up but i still feel it is a bargain. The option is going back to your home country. As for me, No thanks.

    • What she told you about misunderstandings is completely correct. There are massive misunderstandings about this. The memo that I quoted to you is about foreigners only, not Filipinos. However, I believe philhealth is working right now on preparing a better memo that is more clearly understood. I will be having a meeting with the philhealth people later this week, I hope. I will be posting updates as I get them.

  23. Everyone seems to be all revved up to sign up again with this bunch of lying, racist thieves. Well good luck with that. Enjoy it when they duplicate this little act and in July 01 of 2018 you are faced with renewing your premium again for 3600p

  24. Hello Bob, If a foreigner becomes a naturalized Filipino citizen, would he be eligible for z package?

    • I can’t say for sure, this is not been finalized yet, but I would expect that yes he would be able to pull in that case. I will let you know though, it takes at least ten years to become a Philippine citizen.

  25. Bob, I have a friend who says his MDR at Phil health told him his card is marked Life Member and it exempts him from the changes. Is this true or not. What about the Z-Packages as well.

  27. I agree, insurance is for the ” what if”, and i was just looking at the cost with probable return, not possible return. With Z pack it would be a no brainer, huge downside there. I just did quick scan of case payout rates just appeared majority under the 17000. Would need 1 hospital illness per year to break even (possibly) .. but “what if” 2 illness in a year. Is it worth it (either way) to take the chance. Ive had philhealth for couple years and have used it, no complaints or concerns. Your site generates great comments/ideas. I do like the idea of possibly prepay for the 120 months to get lifetime member if its a option. I do look forward to any additional info you come across.

    • In the entire history of the Z package, there’s only one Foreigner who has ever qualified for it, and that is me. So, it’s very unlikely that you would have never received the DI package anyway.

  28. Everybody has to qualify for the Z package if they apply for it. Even Filipinos. It takes a long time and a lot of work, took us a full month of working every day. Also, just leave package only applies to a few thicknesses, like heart disease, kidney transplant and some cancers. It doesn’t apply to everything.

    • You have a lot of good information, and a lot of good info from members also.
      I went into philhealth other day to ask questions, but the representative knew nothing of any changes. Instead she signed me up for my senior philhealth card. I guess will take a few months to get information from the offices. I look forward to any information on the chances of prepay for lifetime membership

  29. I am living in the Philippines under the SRRV. I
    registered with PhilHealth yesterday 16th August, 2017. For SRRV holders
    the annual fee is 15,000 pesos and the coverage category is ‘Informal
    Economy’. It does not include the Z Benefits Package. To register
    at your local PhilHealth Office you will need to show your valid SRRV
    or PRA SRRV ID card (also take copies of them with you in case they ask for
    them), submit a completed PhilHealth Member Registration Form for Foreign
    Nationals (Annex A) found at https://www.philhealth.gov.ph/downloads/membership/pmrf_foreign.pdf
    and the 15,000 pesos fee. At the PhilHealth Office they will
    probably ask you to also complete the normal application forms that they
    hold. The PhilHealth Office will then issue you with your Member Data
    Record sheet, official receipt and your PhilHealth ID card (it is card
    paper with a space for you to add your photo and signature, which you can then
    take to a photographic shop to add your photo and get laminated, about 75
    pesos). The official receipt shows your coverage and coverage period, so you
    need to keep it with your Member Data Record sheet. Make copies of these
    for when you go for any treatment. Further details are on the PhilHealth
    website https://www.philhealth.gov.ph/benefits/ and
    the PhilHealth Circular 2017-0003, link: https://www.philhealth.gov.ph/circulars/2017/circ2017-0003.pdf
    including details on the Life Member Programme for over 60s having
    made 120 monthly contributions. Note: The Circular states that you should take the completed PhilHealth Member Registration Form for Foreign Nationals to your local PRA office, but this is not correct as they will tell you to take it straight to your local PhilHealth Office. Also, although I registered and paid in August I noticed the coverage period is from 1st July, 2017 to 30th June, 2018.

  30. Anything the government touches always increases dramatically in price whether its in the US or the Phils

  31. If I get Blue Cross and have PhilHealth would this cover just about anything healthwise.

  32. I lived in Thailand for 30 years and my Filippina wife put up with it for five years but convinced me to come to stay in the Philippines. I am a BB on my passport, can I still get Phil Health? We will probably keep traveling to everytime I come back I will be back on the BB one year plan to stay here. Do you really recommend the SRRV? I live in Bislig City for now but plan to move to Siargow Island next year. We do shopping and resting in Davao quite often so I guess I should go see the Phil Health office there and see what I need to do in the interm leading up to next years changes?

  33. Hi I talked to philhealth and they told me that the cost for it are still 2400 a year if you already are in it I start this June any here know if it’s soo or not?

  34. 74, have been here for 7 months and plan to marry a Fillipina in December, do I need to go ahead and sign up for PhilHealth now?

  37. Good information! BIG BIG SALAMAT Bob for all the dedication and hard work involved with keeping ‘Live In The Philippines’ available to all of us.

  38. Bob, I was told I am covered by my Peoples health, in Philippines, I will ask when I am there in May, and let you know, Salamat ,for all your advice , I hope you are doing well in your new life