In the past two months, my husband was hospitalized twice, with the second visit for his back surgery where titanium screws were inserted in one of the vertebrae of his spine (read his take on the procedure here). His doctor, an orthopedic surgeon, declared the operation a success and signed the discharge sheet last Monday, four days after the back surgery.
It's been eight days since he had his surgery and my husband can now walk around our condo with a cane, an improvement from the walker he used when he was discharged from the hospital. I'm ecstatic at how quickly my husband is recuperating but I can't get over what the doctor said during one of our check-ups. He said that the surgery to correct what my husband had (impinged nerve) is a fairly routine procedure, and that he has done literally dozens of them, but 9 out of 10 of those who suffer from it opt not to push through with the surgery because of the costs.
The doctor estimated the cost for back surgery (hospital fee and professional fee) at about Php150,000-Php200,000, and between the Php50,000 case rate from Philhealth and the Php30,000 remaining from the maximum benefit limit of his HMO (we already used part of that during his first hospitalization), I was happy that we would only be shelling out between Php100,000 to Php120,000. My sister-in-law also promised to lend us money, so I didn't have to take out a credit card loan, a salary loan, or worse, liquidate my investments.
However, when we completed the clearances for the operation, the doctor said that upon consultation with a more senior doctor, they realized that the procedure wasn't as simple as they originally thought it would be. This was because the vertebrae involved was no longer as sturdy as it should be so it needed extra support in the form of titanium screws. This is how the screws would look like once inserted.
To make a long story short, the screws alone cost Php100,000 which led to about Php240,000 in out of pocket expenses upon checking out of the hospital, after the Philhealth and HMO subsidies were deducted from the total bill.
The good news is it wasn't as expensive as I thought it would be, because I had mentally prepared myself for out of pocket expenses of Php300,000 to Php400,000, so Php240,000 was a "discount". I did have to take out a credit card loan though (payable monthly for a year), since I couldn't bear to liquidate my investments when they were all in the red.
Despite finding myself in debt and rebuilding my demolished emergency funds for the nth time, I still recognize how lucky we were because even if we couldn't pay for the surgery outright with our own cash, we still turned out alright because of generous family members, lines of credit extended to me and our savings. How many people can claim similar access to those resources?
Which is why healthcare really should be a priority of our government and from my experience, Philhealth seems to be on the right path. My husband had laminectomy / discectomy and the case rate for that was about Php50,000, about 16% of our total bill. Admittedly, a 16% subsidy is pitiful but it's still better than nothing. What amazed me about Philhealth though was how efficient the whole process was.
Upon checking in, I was directed to the Philhealth booth and was told to submit a form to be signed by my employer and a certification of contribution, again from my employer. When the final bill arrived, the subsidy was already deducted from the total bill. This is a far cry from the tortuously slow process Philhealth used to be known for, with reimbursement checks arriving months after hospitalization, if at all.
My husband's HMO, Coco Life, also deserves special mention. I purchased HMO coverage for my husband from my past employer, since as an employee I had the privilege of enrolling my dependents with the HMO, with the premium to be paid through salary deduction. My HMO coverage automatically ceased when I was no longer with the Senate, but my husband's subsists until the end of the year because it was paid for, and not just a perk of employment, like mine was. Like Philhealth, all of our transactions with Coco Life were transparent and hassle-free. Now that I've experienced life with HMO coverage, I can't imagine going back to the days when we didn't have it.
I also have HMO coverage with my current employer, but sadly there are no similar benefits for dependents like in my past job. I sometimes think with regret at the job offer I turned down, because it had HMO coverage for dependents with a maximum benefit limit of Php350,000. If I said yes to that, then between Philhealth and the HMO, my husband's surgery would have been covered 100%. But if I did say yes, then I would be in Zamboanga City now, so that always quickly snaps me out of my reverie.
I want to pay off my cousin and sister-in-law ASAP since I know how debts between family members can sour relationships and I don't want that happening to us. I sigh a little when I think of how the money I'm setting aside for debt payment could have been used for savings or investments or making a bigger pre-payment on our mortgage. But there's no use indulging in coulda-shoulda-wouldas. I know why my savings were depleted, which led to us being short in cash and needing a loan for the surgery, and I know that it wasn't for some flimsy reason, so I'm not beating myself up over not having enough cash at hand. The thing to do now is to not breach the trust my relatives reposed in me when they lent me money interest free during the time I needed it. Rebuilding our emergency funds is only secondary to that.
As always, gora lang nang gora.