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Can I use a non-accredited HMO?

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If your HMO is not accredited: Approval depends on your HMO provider’s policies.

PHMC partners with several HMO providers. Accreditation may vary per doctor or service. To confirm:

Each HMO plan has a yearly limit called the ABL. Once this is reached: Check your remaining balance regularly with

Common exclusions: Always verify with your HMO before availing services.

Typical HMO coverage includes: Coverage varies based on your plan and Annual Benefit Limit (ABL).

If you arrive without an LOA: Always coordinate with your HMO provider to avoid delays.

LOA requests can be done through: Processing time varies from instant approval to several hours, depending on your HMO.

The LOA is a required document issued by your HMO provider. It confirms that your consultation, procedure, or admission is

To avoid delays, prepare the following:

Full Content:To use your HMO at PHMC, follow these steps: