What is HMO?

HMO stands for Health Maintenance Organization. HMO refers to the healthcare coverage designed to cater to the health needs of an employee or a person. This coverage ensures that they have access to a network of medical providers and services, offering comprehensive healthcare support and contributing to their well-being. The Philippine government unfortunately does not offer free health services so it’s very common for a Filipino employee to sign up for one.
Common Ranges of Coverage:

• HMO coverage typically includes a wide range of healthcare services, such as:
• Doctor’s Visits: Regular check-ups and consultations with doctors within the HMO network.
• Hospitalization: Coverage for in-patient care, surgeries, and medical treatments during hospital stays.
• Emergency Care: Access to emergency services and urgent care when needed.
• Prescription Medications: Coverage for prescribed medications as per the HMO’s formulary.
• Preventive Care: Services like vaccinations, screenings, and wellness programs to maintain good health.
• Specialist Consultations: Referrals and coverage for specialized medical consultations.
• Laboratory and Diagnostic Tests: Coverage for various medical tests and diagnostic procedures.
• Dental and Optical Care: Some HMO plans also include dental and vision care benefits.
• Maternity Care: Coverage for prenatal and postnatal care, as well as childbirth-related expenses.
The specific coverage details may vary depending on the HMO plan chosen. Our HMO offerings aim to provide comprehensive healthcare support for our Virtual Assistants, ensuring their well-being while they assist our valued clients.