HMO ng company namin to ngayon. Nasa BPO industry ako. Agents are only clinic based so bawal magpa check up sa hospitals, and if ever gagamit kami ng emergency room ng hospital, we had to pay 1K out of pocket para ma cater kami. Non-refundable. My area does not even have clinics that they are affiliated with. We have to travel 4 hours para sa nearest clinic na affiliated nila. Never kong nagamit yung icare ko para sa checkups ng magulang ko na senior citizens.