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Comparative Analysis of Top HMO Programs
Comparative Analysis of Top HMO Programs
Below is the comparative analysis of the top HMO Providers for organizations with 20-99 members. Note that the rates indicated herein are based on standard risk classification and for new accounts only. Furthermore, rates may also change based on the risk assessment of the chosen provider. For a detailed discussion of the programs, please contact our benefit consultants immediately at: 02-6555026, 02-6661329, 09178831278, 09189856931, 09175177828, 09166120125.| SALIENT FEATURES | MAXICARE | INTELLICARE | MEDICARD | PHILCARE LUXE |
|---|---|---|---|---|
| a. No. of Hospitals | 642 | 561 | 600 | 579 |
| b. No. of Clinics | 871 | 868 | 539 | 651 |
| c. No. of Doctors | 43,000 | 34,629 | 59,135 | 27000 |
| d. No. of Dental Clinics | 3,800 | 860 | 806 | 812 |
| e. No. of Cardholders | 1,000,000+ | 1,200,000 | 890,000 | 400,000 |
| f. Years in the Industry | 30 years | 22 years | 29 years | 36 years |
| g. Major Hospitals | All Major Hospitals | All except AHMC | All except SLMC Global, AHMC | All Major Hospitals |
| h. Coverage for Pre-existing Conditions | Covered | Covered | Limited | Covered |
| i. Outpatient Consultations | Covered | Covered | Covered | Covered |
| j. Inpatient/Confinement | Covered | Covered | Covered | Covered |
| k. Annual Check-up | Covered | Covered | Covered | Covered |
| l. Dental Care | Covered | Covered | Covered | Covered |
| m. Group Life | 25,000 | 10,000 | 10,000 | 25,000 |
| n. Group Accident | 50,000 | 20,000 | 20,000 | 50,000 |
| o. Maternity Assistance | Consultations only | Consultations only | Consultations only | Consultations and 5K |
| p. Diagnostic Procedures | Covered | Covered | Covered | Covered |
| q. Therapeutic Procedures | Covered | Covered | Covered | Covered |
| r. Mobile App | Android | Android/IOS | Android | Android/IOS |
| s. Initial Number of Principal | 20-99 | 20-49 | 20-49 | 20-99 |
| t. Sample Room & Board | Open Private | Open Private | Large Private | Open Private |
| u. Sample MBL | 250,000 | 150,000 | 150,000 | 250,000 |
| v. Annual Rate | 21,700 | 26,747.52 | 16,641 | 19,180 |
| w. Sample Room & Board | Regular Private | Regular Private | Regular Private | Regular Private |
| x. Sample MBL | 200,000 | 100,000 | 100,000 | 250,000 |
| y. Annual Rate | 18,642 | 22,457 | 14,029 | 16,648.8 |
| z. Sample Room & Board | Semi Private | Semi Private | Semi Private | Semi Private |
| z1. Sample MBL | 90,000 | 80,000 | 80,000 | 200,000 |
| z2. Annual Rate | 14,454 | 15,729 | 10,485 | 13,451.2 |
| z3. Ave. Cost-Benefit Ratio | 126/thousand | 210/thousand | 136/thousand | 69/thousand |
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