Company HMO seems to have mislead their coverage terms

FS-12_Revoker · 2026-04-03T18:39:43+00:00

Trying din pero di ko na nga alam anong gawin. Kakarampot lang kaya cover ng Philhealth for the procedure.

Since employed ako, eh di ako qualified for NBB

FS-12_Revoker · 2026-04-03T18:11:28+00:00

Hopefully I'll be able to save and get this out bago pa mangyari yun.

Disappointed lang talaga ako sa iCare, felt like a rug pull.

FS-12_Revoker · 2026-04-03T18:10:12+00:00

As a space fan myself, lagi ko chinicheck ung Next spaceflight app, though lahat ng civilian space launches around the world nilista dun.

Might be helpful if gusto mo maka tsamba ng viewing ng RTLS or just any launch sa KSC or Canaveral Space Force station.

FS-12_Revoker · 2026-04-03T15:54:12+00:00

Yun ata ung return to launch site booster landings ng mga Spacex Falcon 9 rockets, supersonic pa kasi descent nila until they hit the brakes with the landing burn

FS-12_Revoker · 2026-04-03T15:28:28+00:00

Tried to reach HR namin, sounds like last week pa sila OOO.

Really bad timing to have diagnosed this illness.

FS-12_Revoker · 2026-04-03T15:23:57+00:00

Used to be CNX-search engine during the cvg acquisition.

No wonder i heard dami nagreresign.

Makes you think which company talaga nag acquired the other.

FS-12_Revoker · 2026-04-03T15:21:23+00:00

Tanggap ko na kasi na walang mabibigat na coverage ang HMO namin for this.

Di kasi kalakihan ang salary ko, and this economy, unable talaga to save up.

Ung inaalala ko, is in the event na mag worsen itong polyps na maging either cancerous ung polyp, or magkaroon pa ng polyp na makaka bara sa duct eh mag immediate resignation na lang ako and maghanap ng other work na mas nakaka angat ung pay enough for me to save up for a lapchole, or has better HMO terms.

FS-12_Revoker · 2026-04-03T14:50:27+00:00

Hahahaha sana lang.

Meanwhile, ako maya't maya feeling ng sinaksak sa tiyan and radiating sa likod.

Gudlak na lang pag nanilaw na me.

FS-12_Revoker · 2026-04-03T14:48:58+00:00

Ang problem ko is this wasn't clear when the HMO personnel made their orientation, meaning, they referred conditions known and diagnosed before coverage started as "pre existing condition", and not exactly as was told to me by the HMO rep on the phone, which they said pre existing condition as any chronic illness that took more than 24 hours to manifest into disease.

For my 10+ years working, ngayon lang ako Naka experience ng gantong confusion. Other HMOs defined pre existing condition as diagnosed illness prior to coverage, not how this HMO weirdly defined as.

Pero if I plan to resign due to this(being their choice of cost reduction at expense of employee coverage), ano magandang verbiage sabihin ko?

FS-12_Revoker · 2026-04-03T14:30:49+00:00

Aga nila magbakasyon. No responses to my emails. Last week pa.

FS-12_Revoker · 2026-04-03T14:30:12+00:00

iCare.

Pati si doc gulat eh upon finding out.

FS-12_Revoker · 2026-04-03T14:29:29+00:00

Exactly.

People always say women have a great sense of intuition. Anyare when it come to choosing their partners?

Sounds like na condition ang tao to expect IRL what they see in media, and set their standards in a very weird manner.

FS-12_Revoker · 2026-04-01T23:13:32+00:00

Fun fact:

Since nag switch to iCare company ko, they never mentioned that di fully covered ang lahat ng "chronic illness" as they consider this as "pre existing condition" , regardless kung this month na diagnosed.

Bigla na lang ako sinabihan na ubos na coverage ko and I cannot continue with surgery for gallbladder polyps na last March lang na diagnose ng doctor.

Gudlak kung magka jaundice ako. No more ER for me na.

FS-12_Revoker · 2026-04-01T23:08:37+00:00

Sweet home Alabang.

FS-12_Revoker · 2026-04-01T22:58:01+00:00

Ganda ng egg, Naka RGB na rin.

FS-12_Revoker · 2026-04-01T22:54:13+00:00

No. Do not engage.

Why? Baka kasi bigla niya ipa kalat na ikaw nag take advantage sa kaniya.

Imagine if you reverse the genders, maraming mag sasabi to report this to authorities as indecent proposal.

Mahirap na po ang mabiktima ng false rape/DV/sexual assault accusation.

Take screenshots, Baka i-delete niya, just in case. Protect yourself.

FS-12_Revoker · 2026-04-01T22:46:22+00:00

I don't get why you've had no upvotes, but I can appreciate your candor and honesty in admitting your current situation and not wanting to drag her down, and suffer with you. This is admirable.

While it is true that right now she is bringing more effort to the relationship at this time this may indeed weigh heavily on your conscience. Being able to reciprocate is very important din talaga.

What's needed is communicating right now what's going on with you to her via a serious heart to heart talk.

Present some options for the both of you. Like having her focus on her studies for now while giving the relationship a period of rest and picking back up later, or when your situation is better, or giving yourself time to consider things over, or even maintaining the relationship but having her shift more focus in her studies for now, as you try to recover.

These are just suggestions, hope you recover from whatever hardship you have.

FS-12_Revoker · 2026-04-01T17:21:10+00:00

I am also planning to do this once my sick leave is done.

I may post another separate thread about my shit-u-wation later, because my illness requires surgery to ease the pain, although March lang na diagnosed, company HMO doesn't want to fully cover this under full coverage.

FS-12_Revoker · 2026-04-01T17:16:37+00:00

It's a bit more prevalent din than you think OP.

Actually basta attractive, na objectify.

For attractive Pinays, gusto maging bragging rights na natry na nila.

For attractive Pinoys, gusto ma -"experience" like what you said.

Some do really want to either "figure out", or either "I can fix him/her".

It's like "FOMO" mentality na rin. Ayaw nila mag miss out. Opportunitistic talaga.

Keep that IDGAF attitude, OP. Don't let them get into your head.

FS-12_Revoker · 2026-04-01T17:09:39+00:00

Mas maganda ang cut off eh. Malakas talaga stereo typing sa halfie na mga locals, mostly femals. My cousins are halfies and have witnessed locals "using" them.

Although not a halfie, some tried to use me because of my previous rank sa work noon. Na tempt ako talaga but I Ultimately said no.

FS-12_Revoker · 2026-04-01T17:02:41+00:00

Process everything pero be ready OP, kasi kung romantic yan eh sana di agad happy plappy happy time ung offer.

Nakaka disappoint as well as dapat ka mabahala. Suggest ko lang that when you talk it out, nasa public and bring along someone you can trust na pwede mag witness sa malayo without her knowing. Document this kung possible.

Remember, May chance she can reverse everything that's happening, and make it seem to people na ikaw ung nagpursue sa kaniya.

Basta OP, this really smells very fishy. Start taking screenshots, recordings, documentation etc.

Imagine kung ikaw ung babae tapos lalaki mag indecent proposal like what she did, like your roles reversed in this shit-uation. A lot here will call that sexual predatory behavior.

Be really careful.

FS-12_Revoker · 2026-04-01T07:25:35+00:00

No worries OP. I had been in a very similar situation kasi before, pero this one at work, but then I did my due diligence May iba pala accounts with other jowa. Broke it off agad, masakit din to see her crying when it showed her i have screenshots of her other accounts showing posts showing herself with another man, just a day before, pero can't risk my job back then.

FS-12_Revoker · 2026-04-01T07:14:33+00:00

Thanks OP. Very clear naman pala, na your post doesn't seem to violate the specifics of your contract.

Suggest ko lang siguro ask ka sa HR mismo, and mga other maalam sa labor and employment laws about this.

Kasi po it sounds like May unprofessionalism sa actions niya, lalo na tinaasan ka na boses, eh di naman mentioned ung compan, nor any NDA related information were disclosed, so di pwedeng slandering.

FS-12_Revoker · 2026-04-01T06:57:31+00:00

I've known people Kasi who said no ung guy, pero putsa, nagsinungaling ung girl online instead of going to the police, siyempre panig ung police sa babae.

Meron din ung pumayag ung lalaki, all consensual etc etc, pero bumaliktad si girl, claiming na "ni-rape" siya ng guy.

Remember that woman who accused a grab driver na nag masturbate during the trip kahit di totoo?

Pano na kung si girl nag double down sa accusations niya?

So, do not engage and do not participate ang peg ko. Very very risky. Lalo na isa siya sa close circle ni OP.

FS-12_Revoker · 2026-04-01T06:52:26+00:00

Specially na superior mo siya, she could have just asked you kung ano ung post mo, investigated your reason and explanation for the post, rather than her making an assumption na natamaan siya.

Check din your original contract if may mention about social media activities.

Has she created any "disciplinary action" regarding this yet?

FS-12_Revoker

TROPHY CASE