Kainos kinsa nakasulay?

[poy]

---

Tried mi kainos sauna a few years back. Ok bya ila service.....

[maynagtext]

mao sad ni mga comments akong na receive. one friend told me that dugay gyud daw ka i refer sa hospital para tingali maka save ang company. In my research this is the only HMO I come across with that has its own clinic.

I think the reason is because they want to find ways where they can better help us and also to maximize our healthcare coverage. I'm sure If the case is emergency they will send you directly to the hospital. This is the case for many clinic-based program where they have to go through the clinic first, but for direct access members you can go directly to their affiliated doctors in the hospitals.

In fairness to Kainos, they have a very good customer service especially their friendly customer associates and kainos representatives. I know this because when my mother underwent a surgery last 2008, it was ve and jr who took good care of my mom, they visited and had a small talk with us. I was really touched by their concern. With our previous HMO, I didn't feel any care or concern from their liason. What even surprises me is that after a week I received a call and text messages from jr and ve asking the condition of my mom and if we already had a follow up consult with our doctor. For me, I commend them for that exceptional service.

I think to those who are having problems with kainos, first, know your corporate healthcare plan or policy to have an idea of what's the coverage of your plan. If you can not understand the terminology or their policy, call their hotline they are 24/7. Second, your corporate healthcare plan was chosen or customized by your company according to your premium. So, if you have any concern regarding your healthcare coverage or why you are not covered, ask your HR they should know about it.

And as for individual healthcare plan, of course, you can not expect the same coverage as corporate plan because it's totally different. It's really an advantage if you are in a big group or company because you can demand all the services that you want. If you plan to get a kainos individual healthcare plan, talk first to their officers and they will explain to you the coverage for what they will cover and what they will not cover. Now, if you are complaining why this is only the coverage, I mean, what can you expect from a cheap premium? Go for a higher premium and you will be given lots of coverage. Regarding the dental coverage, well, we are fortunate because this is free but again what can you expect from a free dental? free na gani mareklamo pa gyud ka. peace!

Sa naga-ingon na daghang doctors kag ospital ang nagareklamo kay wala kabayad ang kainos, sa tinuod lang dako ni nga problema. Sa tan-aw nako, hindi man gyud magcomplain ang mga doctors and hospitals if regular sila makadawat ug bayad sa kainos so dapat ayuson gyud ni sa kainos but as of now ok sila nako. Mao ni amo experience with kainos.

[maynagtext]

mga maam ug sir naka try namo nga mo balibad ang kainos sa ilang laboratory test? gibalibaran man nila akong papa gud, mokuha unta siya ug lab test para sa iyang diabetes, tag 1,200 ang cost ing balibad man ang kainos nga naa man unta sila ana.

Unsay meaning akang INDIVIDUAL BASIC CARE PLANS 1600 W/ NO PRE-EX?

Mao lage na aldrin before mo magkuha ug individual plan, pa-explain ug tarong sa taga-kainos kung unsay coverage anang plan kay ka klaro man gyud sa imong plan na "no pre-ex coverage" ang plan. Ang diabetes kay ma fall mana under sa pre-ex so wala gyud coverage imo papa. Mangutana gyud sa ila kung unsa pa mga sakit ang ma fall under anang pre-existing kay mao ra ba gyud na kasagaran sakit sa mga tiguwang like hypertension o high blood, diabetes, sakit sa kidney, etc kay basin ma-useless ra ang imohang ginabayad.

[VampyR]

you would only be disappointed...trust me

[buyogon]

Dili lang few but many sa ila resident na doctors are not that really competent

[karlakkk]

super ok ang kainos.. mao na ang health insurance sa amu company then ako baby libre check up anytime mi gnahan.. if in doubt ka sa mg aresident doctors nla then ang direct access ang kuhaa na plan.. mao na ano.. daghan na kaau doctors member sa kainos.. ad2 ka sa ila clinic present the card and free ra.. bisan mga consultant na mga doctors member ani..

ang pedia sa ako baby kay pediatric cardiologist member sa kainos..

[aldrin89]

Mao lage na aldrin before mo magkuha ug individual plan, pa-explain ug tarong sa taga-kainos kung unsay coverage anang plan kay ka klaro man gyud sa imong plan na "no pre-ex coverage" ang plan. Ang diabetes kay ma fall mana under sa pre-ex so wala gyud coverage imo papa. Mangutana gyud sa ila kung unsa pa mga sakit ang ma fall under anang pre-existing kay mao ra ba gyud na kasagaran sakit sa mga tiguwang like hypertension o high blood, diabetes, sakit sa kidney, etc kay basin ma-useless ra ang imohang ginabayad.

thank you, mo ask lang unya ko nila kung unsa gyud mga sakita ang naa sa pre-existing.

as of now, ok kaayo ilang ge refer nga doctor. Maayo kaayo.

[pinoy]

ok ra ning kainos but i don't trust sa ilang inhouse nga doctors.

First:
- gi hatagan ra ko pawala sa muscle pain it turns out naa diay koy slipped disc pag adtu nako sa chon hua

Second
- akong wife nagpacheck up, dysmenorrhea ra daw, pag adtu namo sa chong hua naa na diay cancer akong wife..

Akong mga disappointments nila di masukod when it comes sa ilang mga doctors naa sa fuente.

Ok ra sila in minor cases like fever and some stuff... ila pod accomodation sa hospitals ok ra sad.

If maka feel mo ug severe pain, pagpa refer nalang mo ug doctor and ayaw ng mga doctor nila sa fuente.

Thanks

[zairus]

sa akong experience sa dental service sa kainos kay bati man. feeling nko d kbalo ang dentista kay naglisod jud cya ibot sa akong ngipon. mura cyag nkig-wristling sa akong ngipon. nahadlok jud ko kay dugay jud niya na ibot.. ang pa-cleaning pd kay murag wa man gitarong. since adto, ana jud ko na dli nako magpa dental service di adto bahala nag libre

mao sad na ako na experience niadtong nagpaibot ko sa ngipon, giingnan ko hilig ba daw ko moinom ug gatas kay gahi kuno kaayo ako bag-ang

[pocketbell]

ako bai, ako companya mao na amung health service...ok rman keu