Yvette Bernabe your HMO agent

07/10/2026

The **MediCard VIP Plan** is one of MediCard’s most comprehensive and premium Health Maintenance Organization (HMO) packages. It is designed for individuals and families seeking higher-tier healthcare access, top-tier hospital choices, and specialized perks both locally and abroad.

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# # # Key Features & Exclusive Privileges

* **Access to 5-Star Hospitals:** Enjoy admission and treatment privileges in premier medical institutions in Metro Manila, such as:
* St. Luke’s Medical Center (Global City & Quezon City)
* Asian Hospital and Medical Center (Alabang)
* Makati Medical Center
* Cardinal Santos Medical Center (Greenhills)
* The Medical City (Ortigas)

* **Privilege to Prescribe Your Own Doctor:** A unique feature of the VIP plan that allows you to recommend your own attending physician or long-time trusted specialist within accredited networks.
* **Pre-Existing Conditions Coverage:** Unlike standard plans that may heavily restrict or exclude pre-existing ailments, the VIP plan offers coverage for select pre-existing conditions (such as hypertension, asthma, arthritis, goiter, cataracts/glaucoma, and gastritis, subject to plan terms).
* **Global Healthcare Assistance & Emergency Abroad:** Includes international emergency travel assistance (such as Assist America) for peace of mind when traveling outside the Philippines.
* **Executive Check-Up (ECU):** Every VIP plan includes a complimentary annual Executive Check-Up at any MediCard free-standing clinic.

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# # # Core Benefits Breakdown

* **In-Patient Care:** Comprehensive coverage for room and board, intensive care unit (ICU) usage, professional fees (surgeon, anesthesiologist, etc.), operating room fees, and standard diagnostic/laboratory procedures during confinement.
* **Out-Patient Care:**
* Free consultations with primary care physicians and specialists (General Practitioners, Internists, OB-GYNs, Pediatricians, General Surgeons, etc.) at MediCard free-standing clinics.
* Laboratory tests, X-rays, and minor surgeries or treatments prescribed by a MediCard-accredited physician.

* **Emergency Care:** Coverage for emergency room treatments, medicines, doctor's fees, and emergency medical services (including tie-ups like Lifeline Rescue where applicable).
* **Preventive & Dental Care:** Routine physical examinations, health counseling, preventive health tracking, and basic dental services.

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# # # Pricing & Enrollment

* **Starting Price:** Rates typically start around **PHP 25,379 per year** (pricing may vary depending on the exact age bracket, chosen tier, and rider options selected).
* **Application:** Requires answering a health declaration/medical questionnaire during the online or direct application process, as individual underwriting applies due to the inclusion of pre-existing condition provisions.

*Are you planning to enroll in the MediCard VIP plan for yourself or your family, or do you need help comparing it with other MediCard options?*m

07/09/2026

HMO Discussion with an Offshore Company

Had a productive discussion with an offshore company with Philippine registration regarding their employee HMO needs.

I presented different HMO options, and we are now moving forward with the formal proposal and quotation for their review.

HR Team, are you reviewing your company’s HMO?
Let’s discuss your requirements and explore suitable options.

📩 [email protected]
T: (046) 230 0235
M: 0917 633 6056

02/09/2026

Had a productive discussion with a company exploring HMO options for its 200 employees.

We discussed the importance of comparing HMO providers not only based on price, but also on:

• Comprehensive medical coverage
• Competitive premium rates
• Maximum Benefit Limit (MBL)
• Hospital and clinic network
• Room accommodation
• Dental and preventive care
• Emergency and outpatient benefits
• Dependent coverage
• Customer service and claims experience

For companies with a large employee population, choosing the right HMO partner means finding the right balance between cost, coverage, accessibility, and employee satisfaction.

As an HMO consultant, our goal is to help companies compare options, understand the benefits, and choose a plan that fits their workforce and budget.

Looking for HMO options for your company? Let’s discuss your requirements.

25/08/2026

HMO for Age 63? You Still Have Options.

At 63 years old, you may still find HMO or healthcare options—but eligibility, coverage, pre-existing conditions, and age limits vary by provider.

Possible options include:

Senior-friendly HMO plans
Prepaid health cards
Hospitalization/medical insurance
Individual plans subject to assessment

Don’t wait until a medical emergency happens. Protect your health and your finances with the right coverage.

Want to know what’s available for age 63?
Send me a message for HMO options and quotation.

17/08/2026

Your Employees Build Your Business. Protect Them Too.

A construction corporation recently approached us to look for an HMO plan that would provide their employees with reliable healthcare coverage while remaining within their company budget.

For construction companies, employees face physically demanding work every day. Providing an HMO benefit is more than an employee perk — it is an investment in employee protection, retention, and productivity.

We help corporations compare HMO providers based on:

Company budget
Number of employees
Hospital and clinic network
In-patient and out-patient coverage
Emergency care
Pre-existing conditions
Dental and other additional benefits

Planning to provide HMO benefits for your employees?

Let us help you compare available HMO options and find a plan that fits your company and workforce.

Send us a message today for a FREE HMO consultation and quotation.

Alimonsurin Bernabe Consultancy
Corporate HMO Solutions for Businesses

11/08/2026

Healthcare planning starts early.

Today, I had a meeting with a 25-year-old client who is already thinking ahead—not just for himself, but for his partner.

At a young age, he understands that health benefits are not something we should only think about when we get sick.

We discussed options that can provide financial protection, access to healthcare, and peace of mind for both of them.

It’s always inspiring to meet young professionals who are already taking responsibility for their future.

Your age should never be a reason to delay protecting the people who matter to you.

If you’re looking for an HMO or healthcare plan for yourself, your partner, or your family, let’s talk and find an option that fits your needs and budget.

Yvette Bernabe your HMO agent
HMO Solutions for Individuals and Businesses

28/07/2026

💙 Your Health. Your Advantage.

Did you know your PhilCare HMO gives you access to quality healthcare with accredited hospitals, clinics, and doctors?

✅ Doctor consultations
✅ Emergency care
✅ Hospitalization
✅ Laboratory & diagnostic services (based on your plan)

Don't wait until you need medical care—learn how to maximize your HMO benefits today!

📩 Have questions? Contact our team for assistance.
email us at : [email protected]
or call T: (046) 230 0235

Stay healthy. Stay protected.

14/07/2026

Philcare application and rates/quotes you may request here

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10/07/2026

Still relying on your old corporate HMO after leaving your job?
Here's a smart option to keep your healthcare protection.
For a 37-year-old client:
✅ Successfully transitioned from a corporate PhilCare plan to HealthLuxe 150K.
Coverage highlights:
💙 ₱5,000 coverage for pre-existing conditions in the first year
💙 Up to ₱150,000 coverage for non-pre-existing illnesses
Your health deserves continuous protection—even after your corporate benefits end.
Not sure which HMO fits your needs? We'll help you compare your options and choose the plan that's right for your budget and lifestyle.

📧 Email: [email protected]
📱 Mobile: (0969) 104-8244 | 0917-633-6056
Message us today for a free HMO consultation and find the coverage that works best for you!

08/07/2026

Let us help you choose the right HMO.

Email: [email protected]
Mobile: (0969) 104 8244 or 0917 633 6056