Monday, May 14, 2018

Living with a Deficit

It was fairly obvious that we had a deficit in our monthly budget (Hello! I kept on selling stocks and taking out credit card loans on a regular basis just to keep up with the bills), but I wasn't really sure exactly how much that deficit was. To be perfectly honest though, I think I was mostly just scared to know how much in the red we were every month.

But I sucked it up and crunched the numbers, and, like what usually happens when you face your fears, it wasn't as bad as I thought. Our deficit was Php14,500.

Tuesday, May 1, 2018

How to Get Your Philhealth Member Data Record Online

As a government employee, I am an automatic Philhealth member and my husband and kids are my dependents. So when my husband was hospitalized several times in the last few years and I gave birth late last year, I gave thanks for Philhealth many times over for its subsidy and efficient system.

What I specially love about Philhealth is how it no longer allows direct filing, meaning the subsidy is applied to your hospital bill. Thus, there's no more need to go through the gauntlet of queuing at a Philhealth office with your documents in tow and, assuming all your documents are complete, waiting for a check to be released. Imagine experiencing the stress of being hospitalized or having a family member get hospitalized, and then going through the additional effort of personally claiming your Philhealth benefit, with all the accompanying bureaucratic challenges thrown in for good measure. Hassle!

Even the documentary requirements are simpler. Upon checking in, you'll be required to submit the following: Philhealth Claim Form 1 (CF1); certificate of premium payments from your employer; and the Member Data Record (MDR).