5 Common Myths about HMO Plans in the Philippines

When it comes to health and wellness, many Filipinos consider getting a Health Maintenance Organization (HMO) plan. However, there are still misconceptions about how HMOs work, which often prevent people from maximizing their benefits. To help clear things up, here are five common myths about HMO plans in the Philippines — and the truth behind them.

1. “HMO plans are only for the rich.”

Many Filipinos assume that HMO plans are expensive and only for those who earn a lot. In reality, there are various HMO packages designed for different needs and budgets. From individual to family plans, HMOs provide affordable healthcare coverage that can help anyone, regardless of income level, manage medical expenses.

2. “I don’t need an HMO if I’m young and healthy.”

Some believe that HMO coverage is unnecessary if they rarely get sick. But accidents and unexpected illnesses can happen to anyone at any age. Having an HMO means being prepared and protected, especially when facing sudden medical costs that could otherwise be overwhelming.

3. “HMO coverage is the same as health insurance.”

Although both are designed to help with medical expenses, HMO plans and traditional health insurance differ. HMOs usually focus on preventive care, check-ups, and outpatient or inpatient services with partner hospitals. Health insurance, on the other hand, often provides lump-sum payments for critical illnesses or major medical expenses. The two complement each other, but they are not the same.

4. “HMOs only cover hospitalization.”

It’s a common misconception that HMO plans only pay for hospital stays. In fact, many plans cover preventive care such as annual check-ups, laboratory tests, diagnostic procedures, and even dental benefits. Some also offer access to wellness programs to encourage healthier lifestyles.

5. “You can only use HMOs in big cities.”

While many HMO-accredited hospitals and clinics are in Metro Manila, most providers have a nationwide network. Members can access services in provincial hospitals, diagnostic centers, and even partner clinics across the country. This makes HMO plans convenient whether you live in the city or the province.