Are you employed but don't have any healthcare coverage from your current employer? You and your coworkers must have. Are you looking for a short term health care coverage (renewable every year) in order to cut costs on hospital and medical bills? Kaiser, the leading name in long term health care, brings to everybody it's short term healthcare plan.
Here's a rundown on how the Kaiser short term health care program works:
Five point health card program:
1.) Preventive health Care - Prevention is always better than cure, Kaiser provides annual physical examination to ensure wellness.
2.) In patient Care - Revolutionary swipe technology using Visa-EON for cash free hospital-admittance.
3.) Out patient Care - All year round medical care
4.) Dental Care
5.) Emergency Care
PREVENTIVE HEALTHCARE
Package of Annual Physical Examination at Kaiser Designated/Accredited Clinics
1.) Complete Blood Count
2.) Urinalysis
3.) Fecalysis
4.) Chest X-Ray
5.) Electrocardiogram (Adults aged at least 40 or if prescribed)
6.) Pap Smear (Adults aged at least 40 or if prescribed)
For in-patient care and emergency care - automatic admission using a revolutionary swipe technology
IN-PATIENT CARE
*No deposit upon admission (for surgical cases, contact Kaiser)
*Room and board according to plan benefit
*Operating room and recovery room
*Administered medicines
*X-ray and laboratory examinations
*Services of Kaiser specialists like anesthesiologists, internists, surgeons, etc.
*Services and medications for general/spinal anesthesia or other forms of anesthesia necessary for a surgical procedure
*Intravenous fluids and transfusion of fresh whole blood
*Modern therapeutic modalities and interventional surgical procedures such, as but not limited to, laparascopic surgery and lithotripsy, are covered up to P20,000 each per year subject to pre-existing conditions coverage
*ICU confinements, dialysis, chemotherapy, and radiotherapy subject to the maximum limit and pre-existing condition coverage
*Complex diagnostic procedures shall be covered up to P5,000 each per member per year subject to pre-existing conditions coverage (inclusive of room and board, operating room charges, professional fees and other incidental expenses relative to the procedure):
1.) Angiography (e.g. coronary, cerebral, retinal, pulmonary, GI, etc.)
2.) Pulmonary perfusion scan
3.) Tests involving nuclear technologies
4.) 24-hour holter monitory, 2-D echo and doppler
5.) Treadmill stress test
6.) Bone densitometry scan (Dexascan)
7.) Plasma/Urinary cortisol, plasma aldosterone, etc.
8.) Mammography (breast cancer) and sonomammogram
9.) Laboratory/Ancillary services for conditions whose pathogenesis or subsequent clinical improvement not yet fully established in medical science
10.) New modalities and/or diagnostic and treatment procedures for conditions with established etiologist and its use is only as alternative to the conventional methods
11.) Genetic/Immunologic studies
12.) All other terms related to the management of the case (partial listing only)
OUT-PATIENT CARE
In the event that the assured member suffers an illness or injury not requiring confinement in a hospital, Kaiser shall provide:
*Referral to specialists
*Regular consultations and treatment (except prescribed medicines)
*Laboratory and x-ray examinations
*Treatment for minor injuries and surgeries not requiring confinement
*Eye, ear, nose, and throat treatment
EMERGENCY CARE
Designated Hospitals
During an emergency case, a member who is in critical condition caused by an illness or injury, the following benefits are:
*Physician's services
*Medicines utilized during treatment and immediate relief
*Casts, dressing, and sutures
*Oxygen and intravenous fluids
*X-ray, laboratory, and other diagnostic examinations directly related to the emergency management of the patient
Non-Designated Hospitals
*Kaiser will reimburse 80% of the total hospital bills inclusive of professional fees based on Kaiser Accredited Units (KAU) but exceed P5,000
*Kaiser shall only pay the said amount (80% but not exceed to P5,000) when it is verified that the use of Kaiser non-designated provider would entail delay resulting to death, serious disability, and significant jeopardy to the member's condition of the choice of hospital was beyond the control of the member or member's family
*The member is required to submit all the billings relative to such admission to the Kaiser office for the reimbursement of compensable expenditures within a period of 15 days from the date of discharge
DENTAL CARE
The member shall be entitled to dental services administered by an accredited service provider. The dental benefits shall cover the following services:
*Consultation and dental examinations
*Dental nutrition and dietary counseling
*Dental health education
*Restorative and prosthodontic treatment
*Simple tooth extractions
*Temporary filling - unlimited (as needed)
*Annual prophylaxis (mild cases only)
*Simple tooth adjustment of dentures
*Recementation of loose crowns, in-lays and on-lays
For the premiums associated with the benefits, it is being adjusted to the amount of coverage being needed.
For those who are interested, you can contact me at either of these numbers: 09328592360 and/or 09264809304 and look for Marco
Having a health care policy is a must. Everybody gets sick and getting sick is very costly.
Kaiser Short Term Health Care
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