Health Maintenance Organizations (HMOs) provide essential financial protection when medical needs arise, but many Filipinos still encounter the frustrating situation of HMO denied benefits. Whether during an emergency room visit, an outpatient consultation, or a diagnostic procedure, denied coverage can cause delays, unexpected expenses, and...

Many Filipinos encounter inaccessible healthcare in the Philippines, especially when trying to book appointments at HMO-accreditated clinics. Long waiting times, fully booked schedules, or clinics that seem perpetually unavailable are common frustrations among members. These issues are now always due to the patient’s HMO–many factors...