KAISER INTERNATIONAL HEALTHGROUP
A study commissioned by the World Health Organization (WHO) showed that most health expense are shoulder by private household as much as 48% of total health expenditures. These household often had to use out of pocket payments for their health expenses.
3 TYPES OF HEALTHCARE
SHORT-TERM HEALTHCARE
This is also known as the traditional HMO. Generally, It has no life insurance coverage. There may be a yearly increase of premium upon renewal.
Ito yung healthcare na binibigay ng company sa empleyado pero pag wala na tayo sa company wala na din tayong healthcare. or ito rin ung kinukuha natin kung saan pag di natin nagamit that year tapon lang yung hinuhulog natin. kahit gaano ka pa katagal nagbayad halimbawa nagbayad ka ng shorterm care from 24 year old to 60 years old at nagkasakit ka ng 64 still wala ka paring magagamit.
Ang short term healthcare ay mahalagay kung tayo ay madalas nagkakasakit.
LONG-TERM HEALTHCARE
This is an HMO with a Health Savings Account. It has a fixed premium program, usually 7 years, which matures in 20 years. It comes with a 4-way insurance coverage together with the long-term healthcare plan. RENEWAL is guaranteed and all unused health fund accumulates with interest. It may cover beyond age 60 with long-term care growth
SENIOR CARE
This type of healthcare works similarly to the Short-term coverage except that it covers ages beyond 60 years old. It's an individual type of HMO and it's the most expensive program. RENEWAL is also guaranteed.
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We need change bu we need understanding first. it is the first step toward a better financial future and possibly becoming financially independent.
