Start with PhilHealth and enroll in their YAKAP program. It's 17,000 pesos a year. Definitely worth it. Then, if you can, self-insure for whatever it doesn't cover. Basically, set aside money for medical expenses in a high-yield savings account (HYSA). That's what I'm doing

If you have an urgent need right now: no real insurer will cover a pre-existing condition from day one. It's like buying fire insurance after your house has burned down.

We're getting health insurance quotes this Wednesday. I'll post once we have some info to share

Find a good hospital Find a good specialist Pay with your credit card and pay it off within 60 days Hope you have savings, a pension or a stock portfolio

If it's something you have to see a doctor for, I'd fly to Guam and see one there. You can use your Medicare there.

Ian, if you open the group chat and search Health Insurance, you'll get every post ever made. People are getting fed up answering because the question gets asked 10 times a week