Insurance

We have had several hospitalizations in the last two years due to various health problems.   I have been figuring the costs involved and have started moving in a different way.

The Philippine government has a health insurance policy called Philhealth.   I have priced it and while it covers only in-hospital incidents, that is the biggest cost in our health expenditures.   The cost for Babeselle and Inday for the hospital costs over the last 4 months would have paid for about 8 years of insurance.   So, I am having them get family coverage for the families as the funds permit.

With that converted into a fixed monthly cost rather than a larger amount on an unplanned basis, we can budget better.   The incidental doctor’s visits will still be paid out of pocket but generally, that is less of an impact; it still takes money from needed areas but not like a hospital bill.

And you may remember from previous posts, they will not release a person from the hospital until the bill is paid.  This will take care of that problem.

Insurance is something that we often take for granted because it is required in many cases and assumed to be in place in others.   In a lifestyle where it is a subsistence living, insurance is relatively rare to non-existent.

Hopefully, this will address some of the desperation moments we have had over the years.

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