Understanding the differences between public, private, PhilHealth, and expat health insurance options is a confusing topic for most foreigners in the Philippines. This guide uncomplicates the Philippine health insurance system with how-tos, expert insights, and insider tips to help you make an informed health decision.
Is the Phil Health fee of 18K for an out-patient procedure (lumbar epidural) appropriate for an American with International Aetna insurance?
Hi Steven, I'm not sure exactly where you see the 18k fee, but let's use your number as an example. Normally the amount PhilHealth covers is the government-subsidized co-pay. PhilHealth pays a fixed amount (in your example 18K PHP) to help reduce the total cost of your specific treatment. The remaining bill = total cost - the 18k. That remaining bill would need to be covered by your private insurance or by your out-of-pocket.
If you are looking for specifically how much PhilHealth covers for a Lumbar Epidural, I recommend contacting PhilHealth directly.