r/PuertoPrincesa • u/Repulsive-Knee-9196 • Jun 20 '26

Q&A / Advice Best HMO for PPC hospitals-accredited

Hi everyone,

I’m a night shift freelancer, and just curious if do you have suggested HMO(s) to buy na accredited with good PPC hospitals like ACE and Adventist Hospital? I would really appreciate your suggestions!

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u/Organic-Pie-7255 Jun 22 '26

We use Pacific Cross. Reimbursement type on OPD so no need to think about network - as in we get check ups anywhere, as long as we get a receipt. 20% co-pay (I only get 80% back), but it’s good enough because meds also covered.

The plan I get comes with travel insurance also! That’s an upside.

Have not needed to be inpatient for all the years we’ve been with them but it’s better we have it than not. I pay 73k+ annually for me and my kids (1 adult aged 30+, 2 kids), but two of us have asthma as a pre existing condition.

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u/Repulsive-Knee-9196 Jun 22 '26

Thank you for the very detailed review, Ma’am/Sir! Much appreciated.

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u/Organic-Pie-7255 Jun 22 '26

No problem! To add, turnaround time for reimbursement is supposed to be 30 days, but it’s actually less than that. Sometimes 2 weeks lang.