Everything you need to use your coverage.
If your client has set up your coverage, everything you need to use it is here, how to use your card, what you're entitled to, and where to get help fast.
At the hospital: when you check in at a hospital or clinic, give the company name Homebased Advantage so your coverage can be found.
Using your HMO card
It's designed to be simple, even in an emergency. Three things to know.
Go to an accredited provider
Choose from over 1,700 accredited hospitals and clinics nationwide. Check the current list on the PhilCare hospital list, and confirm the provider is in-network before planned visits.
Present your card & a valid ID
Show your HMO card at the desk. For most consultations and emergencies, that's all it takes, no cash needed for covered services.
Get care, up to your limit
You're covered up to ₱200,000 per illness, per year, including a private room and pre-existing conditions. Keep documents for anything reimbursable.
What your coverage includes
₱200,000 maximum benefit
Per illness, per year, for each covered person, including pre-existing conditions.
Private room
Room accommodation is covered for eligible confinements, subject to your benefit limit.
Dental coverage
Included with your plan, availed through Dental Network Co (DNC) accredited clinics.
Pre-existing conditions
Covered from the start, subject to your maximum benefit limit.
COVID care
COVID-related care is covered, so a diagnosis doesn't turn into a large bill.
₱100,000 life insurance
A life insurance policy is included for you, for your family's peace of mind.
A covered family member
At least one family member is covered, based on a set hierarchy. See who qualifies →
1,700+ providers
A nationwide network of accredited hospitals and clinics. See the PhilCare list →
Common questions
How do I find an accredited hospital or clinic?
Check the PhilCare accredited hospital list, or email us at support@myva.ph and we'll help you find the nearest in-network provider before your visit.
When does my coverage start?
Your sign-up, payment, and required documents must be in by the 20th of the month for coverage to begin on the 1st of the following month. If everything is completed after the 20th, coverage starts the month after that.
Can I use my HMO before my physical card arrives?
What if I need care in an emergency?
Go to the nearest hospital and present your card, emergency care at accredited hospitals is covered, subject to your benefit limit. If you're ever seen at a non-affiliated hospital in a true emergency, keep all documents; certain cases are reimbursable up to a set amount.
How do I use my dental benefit?
Dental care is availed through Dental Network Co (DNC) accredited clinics. Find one on the DNC website.
Who is my covered family member, and can I change them?
Your covered family member follows a set hierarchy and is set when you first enroll. Dependents can't be added or changed on an existing plan. If your family situation changes, like getting married or having a child, let us know within 30 days and we'll walk you through your options.
Something isn't working, or I lost my card. What now?
For help using your HMO once your cards have arrived, you can contact PhilCare directly. For a lost card or an account question, email us at support@myva.ph with your full name, certificate number, and the issue, and we'll help.
What about renewals, changes, or cancellations?
There's no renewal to worry about, coverage is ongoing and billed monthly until it's cancelled. Any plan changes or cancellations are handled through your client (a cancellation must be requested before the 20th to stop the next month's billing). Questions about your specific plan? Email us at support@myva.ph.
"My cardiologist had me do an ECG and the HMO covered it all. On my own, that would've come straight out of my family's budget." Fe Isabel A. · a VA covered through their client
Have a question about your coverage?
Real people, quick answers. Whether it's finding a hospital or replacing a card, we're here to help you use what you have.
Email support@myva.ph