Hello Ka- Istorya 
I just like to give my full testimony about the importance of availing long term health care. I am a Nurse by profession although I am working now as a Full Time Broker here in IMG Cebu. I just want to emphasize how Filipino tend to take for granted how important it is to have a long term health care planning. As you see many Filipino can't sustain a means of buying their own medicines. Probably one of the reasons is
1. Lack of financial Stability
2. Prices of Medicine are Increasing
3. Economy is unstable
4. Lack of Health Education
There is a reason as to why I become a broker here in IMG, probably one of the reason is I tend to like and try out new things on my own and venture something that is more new to me. But as i go in deeper into my career, I tend to realize that as earlier as now. I should be planning heads on what I want my future to be. As a health provider at the same time financial adviser, for me it is my call to voice out what really is lacking with us Filipinos? Some of you would probably agree with me that we tend to rely more on just our company Healthcare (short term healthcare)
The question is, is it stable? Do you think you can use it till you reach at a ripe age of 60? Does it provide you everything you need in terms of medical usage? Our economy now a days are unstable. You won't know by tomorrow you might lose your job or an accident might happened. There is lots uncertainty, that not only with that company health care can accommodate. Once you lose your job, you lose every ounce of chance you get to have free medical care.
A lot of misconceptions between long term health care and short term health care has been taken for granted. I just want to emphasize that it is important and there is nothing wrong in being prepared early. Life is unpredictable, so to ensure ourselves. We protect ourselves by securing our future needs. One of them is our Health, reason as to why long term health care is being manifested. It is for our future actually that we avail a long term plan. There is nothing to lose, and that is my sole purpose that as earlier as now I availed by own long term heath care.
One of the best thing about Kaiser is that you only need to focus for 5 years to pay. Once you already paid your share on that "5 years" your money would then continually grow yearly until the day you retired or get old. Don't just rely on pension, a lot of misconceptions again why we tend to get "overly" excited when we receive a pension during our retirement age. Pension means it is our last salary in our work. Imagine at that age of 60 - 65 you used up all the pension surgeries. The question is, will that sustain everything? No right?
You can even start and get your children their own health care at an early age of 10. Why wait for years to pass by, I will be showing to you a diagram. The earlier you get your own healthcare, the more savings you can use up during your retirement years. Since that age is where we get all types of illnesses which may caused as a thousands probably millions! Since surgeries and hospitalization can happen anytime.
Remember guys it is not money that we enjoy can make our lives easier. If we used it wisely perhaps it could even avoid us causing numerous debts! You may have seen a lot of us tends to get this habit. That if their is any of our family who gets hospitalized we end up selling our valuable assets. But still it ain't enough to sustain everything. I wrote this out, just to let you realize the sooner we look into our future with preparedness. Then, their is nothing to fear or lose
Know more about Kaiser Benefit and Program
Kaiser long term health care
Originally Posted by noy
hi TS, can you PM me the details? the rates? basically the payment scheme...and how the policy works. interested here..thanks
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