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FAQ'S |
It's the revolutionary new gift card from PFHDP that allows the OFW to purchase
a traditional discount card, but also load money specifically to use for health
care in the Philippines for their family! It's simple: Present the card with valid
id and receive discounts on health services. It's affordable: It costs only $15
per year for the individual and $45 per year for the family! It's comprehensive:
Our members receive discounts on services including medical, dental, laboratory,
vision centers, optometry, gyms, spas, and more! It even provides discounts on hospitalization!
HOW DOES IT WORKS ?
It's a traditional discount gift card that's loadable via the internet, or calling
our office and using your credit card or ATM/debit card to load the HealthCashCard
specifically for health care for your family. The OFW (loader) accesses our website
at www.healthcashcard.com
and fills out the form that tells us who will receive the card (beneficiary). The
loader then decides how much to load on the card. You can load as much as $200 each
time! After deciding how much to load, the OFW/loader then clicks submit. It's that
easy! Our office in metro Manila will receive immediate notification and the HealthCashCard
discount gift card in the name of the recipient will be issued and delivered, with
the requested cash value assigned to the card. Your loved one can then go to any
of our accredited providers and receives services and the discounted fees are taken
off the card. There is no out of pocket money from your loved one!
WHAT IF I DONT HAVE CREDIT CARD ?
We understand that not everyone has a credit card or debit card. That's why we have
made several options available to you. All you have to do is call our office or
email us at info.healthcashcard.com. You may wire the money to our account at Bank
of the Philippine Islands in the name of Philippine Family Health and Dental Plan,
Inc., account number 0361016084 . But contact us first. Our friendly staff will
walk you through the process and insure that everything goes smoothly. You may also
send the money via Western Union or other wire transfer mechanisms to Philippine
Family Health and Dental Plan, Inc.
SO WHY PUT MONEY ON THE CARD WHEN I CAN JUST SEND THE CASH TO MY FAMILY DIRECTLY?
We want you to continue to provide the assistance you provide. However, we believe
by loading the HealthCashCard you insure that your hard earned money is spent on
what is truly necessary, GOOD QUALITY HEALTH CARE! We believe the reason you made
the sacrifice to work abroad was to improve your loved ones quality of life. This
helps to do just that! In addition, you are able to log on to your account and know
every time the card is used, and for what purpose.
HOW OFTEN CAN I LOAD THE CARD?
You may load the card as many times as you like. There is a maximum load of $200
per transaction (unless it is an Express Load) and$1000 in a 21 (twenty one) day
period. These requirements have been instituted to protect our loaders and beneficiaries.
The card is valid for a year. We will notify you thirty days before the expiration
date and you may elect to renew the card at anytime before expiration.
HOW MUCH CAN I LOAD?
You may load as much as $200 per transaction. However, in special circumstances
such as urgencies or emergencies, you may elect to use our EXPRESS LOAD feature
which allows for up to $1000 to be loaded onto the card. By using the express load
feature, your family member must already have a membership. Simply contact us, and
we will walk you through the process. Be aware that in order to protect you, we
will require valid identification, banking information, and proof of use. Specifically,
we will contact the provider on your behalf (hospital, physician, etc.) to insure
your load is spent for purposes intended.
WHO IS ELIGIBLE TO RECEIVE THE CARD?
All members of the immediate family up to six are eligible to receive the card (family
membership). The family membership is $45. If your family exceeds six, then additional
cards will have to be purchased. Even though you may be overseas, you should include
yourself as a member for when you return home so that you may avail of the benefits
as well. The money on the card must be used before the expiration unless the card
is renewed. Upon renewal, the load balance remains on the card. Renewal of the Family
Membership is $35. Renewal of the Individual Membership is $15. You may also elect
to have the fee for the renewal debited from the HealthCashCard at the time for
renewal. Keep in mind, the balance on the card will remain on the card upon renewal.
HOW MUCH IS IT?
The individual card is $15. The Family Membership is $45. You may elect to use the
card only as a discount card or you may load it with cash. If you decide to load
the card, a small loading fee will be charged (see loading fees). In addition, each
time the card is used at a provider office a small transaction fee of ten pesos
will be debited from the card, similar to a credit/debit card. There are no fees
to be paid by the beneficiary at the time services are rendered. The fees will be
deducted from the card. If it is used as a discount card only (without a load),
then the holder is obliged to pay the providers discounted fee at the time services
are rendered.
IS HEALTHCASHCARD AN INSURANCE AND/OR HMO COMPANY?
The PFHDP's HealthCashCard is a NOT an insurance or HMO card. It is a discount gift
card that provides saving solutions for individuals & families of the Philippines.
Our aim is to minimize your "out-of-pocket" expenses for your healthcare products
& services. This program offers significant savings on healthcare needs such as
medical consultations, hospitalization, dental procedures, vision care, chiropractic,
alternative medicine services, hearing services, fitness, spas and much more. The
discount fees are honored at participating healthcare providers.
HOW MUCH IS THE PLAN AND HOW DO I GET IT?
The price of the membership is $15 per year for an individual membership and $45
per year for a family membership which can include up to six members of the family
in the same household. PFHDP HealthCashCard is different because we offer discounts
on the most important thing you have, "Your Health and well Being!" It is Simple,
Affordable and Comprehensive. Simple – Use the card at EVERY accredited provider
for discounts EVERYTIME! Affordable – Only $15 per year for individuals, and $45
for family membership! Comprehensive – Discounts from head to toe! Medical consultations,
all dental procedures, optical, visions, chiropractic, spa, gyms, aesthetics, surgery,
braces and much more! NO LIMITS ON VISITS!
WHAT SAVINGS DO I GET AS A MEMBER?
The savings percentages range from 10-20% on most healthcare products and services.
HOW DO I SAVE MONEY?
When one becomes a member, we will send you a HealthCashCard via mail. As soon as
the card is received and activated, it is ready to use. Using our website at www.healthcashcard.com,
locate a participating provider of your choice in your local area and present the
card at the point of service. At the time of service, you will receive a discount
for services rendered and the discounted fee will be removed from the card. Keep
in mind, in order to get the discount; you must present your card at participating
network providers.
WHAT SERVICES DO I SAVE ON?
Dental Procedures - Chiropractic Treatment - Physicians & Hospitals Services - Alternative
Medicine - Vision Care - Medical Laboratories-Spas and Cosmetics,-Nutrition Centers
WHEN CAN I START USING MY BENEFITS?
After purchasing the plan, it takes 5-7 working days to mail the HealthCashCard
discount card to the designated recipient. The card is delivered "locked" to insure
it is not used by someone unintended. As soon as the card is delivered, our office
must be texted or called, or emailed with the correct password or identifying information.
We will then unlock the card and it is now ready to use. All you have to do is present
the card at any of our participating provider locations and start your savings!
HOW DO I LOCATE A PARTICIPATING PROVIDER IN THE NETWORK?
There are two ways to locate participating providers, you can visit our website
at www.healthcashcard.com or call our telefax number +02 889.5145 (Mon - Fri 9:00am
to 6:00pm)
IS THERE A MAXIMUM USE OF THE BENEFITS?
No, unlike insurance, utilization is encouraged because it directs traffic to participating
provider locations. You and your family may use the benefits as many times as needed
throughout the membership year. There are no limitations on usage
IS THERE A DEDUCTIBLE?
No. This program is not insurance. As such, there are no deductibles, no waiting
periods, no pre-existing condition exclusions, reimbursements, etc. Everyone qualifies
and a physical is not required to purchase the card.
IS THERE A CLAIM FORM TO FILL OUT?
No. There are no claim forms or other paperwork to file. You receive your discount
at the time of service and the fees for the service are removed from the HealthCashCard.
WHERE TO CONTACT US?
If you have any questions regarding your membership, have lost your card or need
additional membership cards, or have billing questions, Please send us e-mail to
info@healthcashcard.com or call us at our telefax number 02 889.5145 (Mon - Fri
9:00am to 6:00pm). You may also write to: PFHDP Customer Service Philippine Family
Health and Dental Plan, Inc. 132 L.P.Leviste One Lafayette Square Suite 25B Makati
City Philippines
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